Financial Freedom Tips

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So you’re considering having some cosmetic surgery done, but your insurance won’t cover it and you don’t have the money to pay for it up front. Believe it or not, there is a way to finance that tummy tuck or eye lift.

What to Consider

The Cost

Cosmetic surgery is expensive. Procedures cost anywhere from $500-$25,000 depending on the type of procedure being performed. Financing your surgery will only add more to that cost due to interest rates.
As with any type of financing, your interest rate will vary based on your credit history, selected loan term and the loan amount. Available loan terms might include 12, 24, 36 and 48 months or a revolving credit line depending on your credit background. Keep in mind: If it sounds too good to be true, it probably is. Be skeptical of financing companies offering 1% rates, because there is usually a hidden cost behind these offers.

Also keep in mind that you might need to come up with a down payment in order to finance your surgery. Down payment stipulations are determined based on your credit history and your health care providers requirements, if any. If you have average or above average credit, you might not be required to place any money down.

As with any type of financing, whether it be a car, a home, or even cosmetic surgery, you should take into statement what your current financial situation looks like and determine whether or not you can afford a regular monthly payment for the next 24, 36, 48 or 60 months.

If you have not already done so, figure out your monthly income subtracted by your bills, don’t forget to include miscellaneous items such as groceries, toiletries, gas, household products, pet food, etc. After you have created a monthly budget, you can now determine whether or not you can afford another $100-$200 monthly payment.

The Procedure

Before you start to get all excited about the prospect of financing your new look, it’s important to comprehend why you want to have this kind of procedure done. Make sure your expectations are realistic and that you are doing this because you believe there are no other options. Think about both the pros and cons of cosmetic surgery and weigh your other options.
A good rule of thumb for financing cosmetic surgery is to finance only major surgical procedures. If you’re considering Botox, for instance, the prices are reasonable enough, but if you’re financing the injection(s), it will cost you more than it’s worth.
You should also keep in mind that most types of cosmetic surgery need to be maintained on a regular basis, and fighting the aging process absolutely is futile.

Finding a Surgeon

Although a cosmetic financing company can refer you to a surgeon, it’s ideal to find one before you contact a financing company. Dr. Steve Fallek, a cosmetic and reconstructive plastic surgeon in New York and Englewood, NJ recommends that a financing company is not going to be healthy to give you the ideal plastic surgeon.

You want to go to a board-certified cosmetic surgeon who is reputable, honest and who hopefully you’ve gotten the study from someone who has had plastic surgery from that person. Fallek states patients should ask their surgeon to advocate a finance company.

Financing Companies

Before you selected a financing company, make sure they are reputable. They should have a good track record in financing health care procedures and should work with a network of doctors.

If you have found a surgeon to do your procedure, you might also ask if he/she has financing available. The terms of the financing should be clearly outlined in writing before you apply for any financing, and you should never pay a broker fee.

Most surgeons use the same financing companies, so don’t waste your time looking for surgeons who might have lower rates. Seeing different surgeons takes up time and money.

You might also want to think about using your credit card if the interest rate is lower. Some people also borrow from family or even take out a home equity loan.

The Decision is Made

If you have now decided that you can afford to finance your cosmetic surgery, research your procedure online to find out the benefits and risks. You might also want to discuss your surgery options with your primary doctor who might also wage you with a list of surgeons and payment options.

Many traders find that the forex trading trading time zones can be a bit intimindating . Like many others , when I started out trading this 24 hour global, cash market , I couldn’t make a lot of sense from the time regularize issue. That changed over time however and within the article I’ll let you in on a few basic insights on how the 24 hour market is handled by me and when you prepare for your next trading day, it will help you out .

You first need to think about where you’re living , or the place where you do your forex trading trade signals trading from. This is the most important bourgeois that affects how this 24 our market is looked at . For an example let’s suppose you reside in California which is on the West Coast in the U.S. and on Pacific Standard Time which happens to be three hours behind the time on the East Coast .

Now that we know that California is where we’ll be doing the trading , which is three hours behind the East Coast , the planning can begin for the forex trading trade signals trading day. In this market that goes 24 hours and never sleeps (but gets very quiet on weekends and major international holidays such as New Years ) the day is rest and stops when the financial centers in New York close at 5pm or close to that in Eastern Standard Time and the banking centers in the Far East like Hong Kong and Tokyo about the same time are opening and starting a new day . Taking this into consideration it’s ideal to have your trading charts set up so that the candle or regular bar that you are using closes at 5pm EST each day .

Since we know we’re trading from the US West Coast which happens to be three hours behind EST in New York and we know when the market resets and stops to begin a new day . The next thing to think about is when you will get ready and plan for the next day . If you’re living in California , as in this example , and you like staying up late then perhaps you’d like to get ready to trade the London session which is from 1am-4am PST or 4am- 7am PST. Perhaps you like sleeping and you want to sleep through the session in London but you don’t have a problem being up early, at around 4am Pacific Standard Time so you can see what the end of the London session looks like and get ready for the beginning of the New York session which will really get going around 5:30am PST (8:30am EST) . Or, finally, perhaps you hate waking up primeval and you like to trade in the middle of the day ; no problem . Just move for 2pm PST or 5pm EST when the day begins in Tokyo and you can do your trading during this session .

Now you clearly have knowledge of the major forex trading trading time zones and your days can be planned accordingly. Just remember, preparation and planning are the most important yet overlooked factors of success in any business , including this one .  This is the ideal way to organize your forex trading trade signals day.

Author: Andy Owings – Author of the Drummond Geometry Daily Forecast for Forex Trading & Futures Trading. Andy makes specific trade suggestions each day for 8 favourite forex trading and futures symbols. A free forex trading trade signals symbol is acquirable on the website.

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