Cosmetic Surgery Australia News
Wed, 2 May 2007
Interest rates on hold: reprieve for homeowners
In a boon for the nation's mortgage belt, the Reserve Bank decided at its quarterly meeting on May 1 to leave the official cash rate unchanged at 6.25 per cent. The Reserve Bank's decision followed the publication of a much lower than expected March-quarter consumer price index, which showed inflation rose just 0.1 per cent for the quarter and 2.4 per cent for the year. This was well within the Reserve Bank’s target of 2-3 per cent. In a rare show of consensus, many economic forecasters are now predicting a further easing in inflation and most believe interest rates will stay on hold for the rest of 2007, particularly given the impending federal elections.
Tue, 26 February 2008
Payday Loans Can Powerful Tool For Those In Financial Need
If you are in a tough financial situation, and find yourself needing cash and your next paycheck is several days away a payday loan just might be the solution to all of your financial needs. If your think you have seen those ads for the fast cash payday loans, and you and others you know assume right away that they are scams, maybe you should think again. Sure they do charge more interest than a more traditional loan for the cash that they lend you until your next payday, but you know what, there are plenty of people who need money immediately, and have been saved by a easy, simple fast payday loans that give you cash when you need it.
Yeah, I know that I am well off now, and really want very little in my life but this was not always quite the case, just as it is not the case for millions of Americans today that work hard and live from paycheck to paycheck. There was a time when I was on the edge of absolute abject poverty with not a thing in the world. It had gotten so bad that the banks were threatening to repossess my car, which would have meant that I would not have had a vehicle to travel to and from work, and if I lost my job I would only get deeper in debt and had zero income. I needed money pretty darn bad. So, I decide to look into getting money through a payday loan advance.
By money, I mean almost a thousand dollars. It's strange to have all that cash in transferred to your bank account when your used to your balance never being over a couple of hundred dollars, and knowing that you can not spend any of it on luxury items. It is all set aside for important bills, which I paid and I was no longer worried about losing my car, or anything else for that matter. The payday loan I received saved my job, and my car.
I had suddenly gotten enough to get back on my feet again. The process of getting my payday loan was really quite simple. I filled out the forms on the Internet and gave them all of the information they requested, including my bank account number and bank routing number. Very quickly I was informed my loan was approved and the money would be in my bank account within twenty four hours, and sure enough the money was tin my account the next morning. I did not have to beg a loan officer to ignore my bad credit, or convince someone that the reason I needed to borrow the money was for a good cause. There was absolutely no embarrassment on my part or judgments from the payday loan company. I did not even have to fax the payday loan company any documents, the whole process was just easy.
Several weeks after I got my loan, I paid it off. Since I paid the loan off on time the company let me know that I could get another loan with them without any problems if I needed it. I took the up on that offer several months later; I borrowed less money this time to make sure I had enough cash for my vacation. Payday Loans can be a powerful tool to help those in financial need, if used correctly.
Source: http://powerfulpaydayloans.com/
Wed, 05 March 2008
Do you have all the right Info on Credit Card Debt?
Are you drowning in credit card debt? Many people around the world (not just Americans) are. The root cause of America’s problems with credit card debt stem from a lack of education by American consumers in how credit cards (and debt) and interest actually work. If you’re drowning quick and need info on credit card debt, this article can be thought of as something of a life preserver.
The first thing to know about credit card debt is a formula called the Rule of 72. When you put money on a credit card, there’s interest to pay. Interest is the annual percentage of the initial amount borrowed that you have to pay extra each year for the average balance on the card. In a very simple case, if you borrow $1,000, at 18% interest, and maintain an average balance of $1,000 you’ll have to pay $180 in interest during that year. The rule of 72 is how banks and credit card companies make their money. Divide 72 by the interest rate you’re being charged, and you’ll have the time frame (in years) in which your accumulated interest payments on your credit card debt will equal the amount borrowed. In the example above, 72 divided by 18 is 4, so if you float your balance around $1,000 for four years, you’ll have paid roughly $1,000 in interest.
The best way to use a credit card is to pay the balance off every month in full. Unfortunately, credit cards make it really prominent to see the minimum monthly payment which is usually a payment that covers the interest and about 25 cents to a dollar of the total amount owed. If you’ve gone overboard on credit binging, that may not be doable. However, it’s usually possible for most people to dig themselves out of the hole with some fiscal discipline. It takes planning, effort and the right info on credit card debt .
The first step: Start by sorting all your info on credit card debt in descending order of interest rates. If you can make a transfer from a higher rate card to a lower rate card, do so.
Second, figure out what your minimum payments are. Now, look at what you bring in each month, and save a month’s worth of receipts. Look at what you can trim out of your budget to pay down those debts. If, for example, you go to a coffee shop every morning, that’s an additional $5 to $7 you spend every working day. Over a 21 day working month, that’s $105 dollars. If you always eat out for lunch, that’s an extra $5 there as well. We’re not saying give up all the luxuries in your life; but try and limit your Starbucks consumption to, say, every Friday, or every payday, and make coffee at home before you leave instead – a home brewed cup of coffee costs you about a nickel, rather than $5.
Next, go through your list of credit card debts. Set each card to get a payment of at least 10% over your minimum payment each month; devote all the extra to paying off the highest rate card you’ve got. Leave your credit cards at home; if you need some electronic way to pay for things, get a debit card from your bank and have it deduct straight from your checking account. Hopefully this info on credit card debt helps with a method or two on ways to improve your credit and debt standing.
Source: http://www.beatlandscreditrepair.com/
Fri, 14 March 2008
Bad Credit Loan: Financial Help For Low Scorers
The number of people with bad credit history is increasing day by day. And once you attain this tag, it becomes impossible to wash this stain off. Any request for personal loan by people with bad credit was generally declined. But now bad credit loans are designed especially to meet the requirements of people having bad credit record.
Bad credit loans are crafted specifically to help those who have credit problems like CCJs, IVA, loan non repayment, arrears or defaults etc against their name. Now, with the help of this loan, they can meet their demands like home refurbishing, paying education fees, wedding expenses, paying off debts or buying a vehicle.
Bad credit loans can be availed in two forms, secured and unsecured. For secured bad credit loan one is required to pledge an asset as collateral. The amount derived is based on the equity value of collateral. One can avail an amount ranging from $ 5000 and $ 75000 with a repayment term of 5- 25 years.
Unsecured bad credit loans are collateral free. So those who don’t want to risk their asset can opt for unsecured loan type. But the interest rate charged is slightly higher in it. Unsecured options advance the amount ranging between $ 1000 and $25000 with a repayment term of 6 months- 10 years.
Various banks and financial institution are ready to lend bad credit loans provided you produce documents of your income and bank statements. This will satisfy the lender of your repaying ability. Many lucrative deals on the loan amount are available online also. Online dealing is comparatively faster and saves a lot of time.
With the help of bad credit loans, the people with credit problems can solve their troubles and can also improve their credit score by paying off the loan in time. To maintain a healthy credit score, borrower must ensure to repay the installments regularly.
By: Tom Dikkin
Fri, 21 March 2008
Cosmetic surgery loans on the rise
THEY say beauty comes at a price, but now you can pay for it in monthly installments.
The number of people opting for cosmetic surgery loans is on the rise, with companies spruiking "fast, easy" no-deposit loans for anything from boob jobs to facelifts.
The increase has prompted the Australian Society of Plastic Surgeons and Consumer Action Law Centre to issue warnings about the dangers, saying boobs aren't the only big thing women could end up with.
The associations warn the loans promote debt in the name of vanity, and will encourage young women to get unnecessary surgery they can't afford.
But loan companies argued they are a cheaper alternative to credit cards, offering interest rates between 10 and 15 per cent.
They said the average loan ranges between $8,500 and $13,000, and the most popular surgeries include breast augmentation and lifts, rhinoplasty, liposuction, botox injections and dental work.
Article from: Herald Sun
Sat, 22 March 2008
What is Breast Augmentation ?
Breast augmentation is an operation to enlarge, or change the shape of a woman's breasts. This is done by putting saline implants under the breast tissue or under one of the chest wall muscles. Breast augmentation surgery is most commonly performed on women who are born with the genetic make-up leading to the development of small breasts. There is another group of women who have average sized breasts to start out with, but after child birth and/or breast feeding, develop atrophy, or a reduction in their breast size, and thus desire a return to their original size. There is a third, smaller, group of women, who are average to large in breast size to start out with, but desire very large breasts.
Breast augmentation surgery can be performed on an outpatient (not in the hospital) basis or in a hospital. It can be done under local anesthesia (only the breast area is numbed) or under general anesthesia (put to sleep or not aware of having surgery). Breast implant surgery can last from one to several hours depending on your particular case (your condition, implant choice, incision site, implant placement, etc.). If the surgery is done in a hospital, the length of the hospital stay will vary according to the type of surgery, the development of any postoperative (after surgery) complications, and your general health. The length of the hospital stay may also depend on the type of coverage your insurance provides.
Before surgery, your doctor should discuss with you the extent of surgery, the estimated time it will take, and the choice of treatment for pain and nausea.
Source: http://www.breastaugmentationsource.net/
Thu, 27 March 2008
Online Payday Loans
Have you found yourself in some financial troubles because you didn't have the cash you needed to pay bills that were due? Don't worry, you are not alone. Almost everyone comes across financial difficulties from time to time, whether they plan well or not. Even if you think that you are the most organized person under the sun, everyone comes into times of trouble from time to time. With all the bills that you need to keep track of in your daily life, it can be hard to manage to pay all of them and have enough funds to live comfortably.
Because sometimes people come into hard financial times where they simply cannot afford to pay for all the bills that come their way, payday loans were created. Yes, you may think that payday loans are only for financially indebted people or people who are financially irresponsible, but this is not the case at all. More and more, people are resorting to payday loans to get them through the month without falling into bankruptcy.
While you may have heard of payday loans and be sort of familiar with the process, you might be quite new to the idea of online payday loans. In our society, we rely on computers and the internet so much for things that it is no surprise that people have made the process of getting payday loans into a convenient easy to get online purchase.
Get Them Today
With online payday loans, you are taking away the entire hassle that comes with getting payday loans. Without ever leaving your home or office, you can go online and sign up for a payday loan. When you get online payday loans, you are simplifying your life and allowing the very process of loans to become easier than ever. Now you know the power of payday loans.
If you have found yourself in a sticky financial situation in which you need cash but don't know how or where to get it fast, or are unsure of taking out a loan because of the stipulations that loans come with, you do not have to worry. With our help, you can learn all about the quick and easy solution of online payday loans to make the whole problem disappear. The time is now to get on track and get the money you need to save your life.
Source: http://www.payloanstoday.com/
Thu, 03 April 2008
Cosmetic Surgery For Men
In fact, the most excellent part about plastic surgery today is that the procedures applied can be both surgical as well as non-surgical! Within the last few years, plastic surgery has become a common technique of attractive your looks. The results however will make it worthwhile!
cosmetic surgery - Previous people principally were uninformed of plastic surgery due to lack of knowledge it has developed into popular recently. Previously, due to lack of information about this new surgical magic, many people hesitated about getting plastic surgery to remove scars or to new ones from forming. If you feel there is a little something on your skin that you would like to see lighten or vanish, plastic surgery could be the answer to all of your prayers . Then the scar is layered through the method of this procedure. Hence it is concluded that plastic surgery is becoming popular day by day especially for celebrities, celebrity plastic surgery is the in thing.
Source: http://www.cosmetic-surgery-top-resources.com/
Sun, 13 April 2008
Enlargement Basics
Breast - Either of the pair of mammary glands extending from the front of the chest in pubescent and adult human females and some other mammals; also : either of the analogous but rudimentary organs of the male chest especially when enlarged. The breasts of a female mammal’s body contain the mammary glands, which secrete milk used to feed infants. Enlargement - an act or instance of enlarging : the state of being enlarged. There are many ways to enlarge the size of your breast. The most common way to enlarge the breast is by surgery, which is also known as breast augmentation, breast enlargement, mammoplasty enlargement, augmentation mammoplasty or the common slang term boob job. Recently we have seen the release of other products that are alternatives to breast enlargement surgery.
Source:http://breast.myenlargement.com/
Sun, 20 April 2008
Many People Have Realized the Convenience and Benefits of Online Personal Loans
By Beth Pardue
The Internet has provided a whole new dimension to obtaining a personal loan. Before lending companies were available on the World Wide Web, people were limited with their loan options and from where they could get a loan. Now there are endless financial resources available to people, no matter what their credit situation may be. With so many sources to lenders available online, you can often find loan deals that beat out the interest rates and loan terms you can find at local banks and credit unions.
Online personal loan options have also made it easier for those who have tarnished credit to get a loan. Consumers can search the web to find numerous lenders willing to grant loans to people with bad credit. There are other financial tools available online that can even help get your credit back into shape. You can find debt counseling and credit monitoring services as well as many free tips to help with improving your credit score like the ones available at http://www.free-debt-consultation.com
Even though the Internet has made the personal loan process much more user friendly, the requirements to obtain a loan are still the same. You still must fill out a loan application and go through the approval process. However, the online approval process is usually much faster than the traditional loan approval turnaround time. With many online lenders you will know right away if you are approved or not.
As with any loan, you want to make sure that your credit history meets the requirements of the online loan offer. Even though it is fast and easy to apply for online loans, you want to try to keep your applications to a minimum. Filling out numerous loan applications in a short time span can be detrimental to your credit score.
It’s no wonder why so many people are catching on to the convenience of getting their loans online. With the large variety of personal loans available online, you may never have to take the time to drive to your bank for a loan ever again. More than likely, you can find any type of personal loan online that is available anywhere else. Mortgage loans, auto loans (new and used), refinance loans, debt consolidations and payday loans are just a few of the most common personal loans you can find on the Internet. Visit http://www.easy-approval-personal-loans.com to learn about some of your online personal loan options.
Tue, 06 May 2008
Liposuction
Liposuction is a cosmetic procedure intended to get rid of fat deposits and contour the body. These procedures are for sculpting the body and are not recommended for weight loss. Tumescent liposuction is the most common type of liposuction and involves injecting a large quantity of medicated solution into the areas prior to the fat being removed. Ultrasound-assisted liposuction is a new procedure wherein ultrasonic vibrations are used to liquefy fat cells and then vacuumed out. This type of surgery is most popular type of cosmetic procedure chosen by patients. It is also useful for contouring the chin, neck, cheeks, upper arms, breasts, abdomen, butt, hips, thighs, knees, calves, and ankle areas.
Source: http://liposuction.cosmeticsurgeryprocedure.com/
Sat, 17 May 2008
Cosmetic Surgery Articles
Cosmetic Surgery For Men United Kingdom - In fact, the most excellent part about plastic surgery today is that the procedures applied can be both surgical as well as non-surgical! Within the last few years, plastic surgery has become a common technique of attractive your looks. The results however will make it worthwhile!
cosmetic surgery - Previous people principally were uninformed of plastic surgery due to lack of knowledge it has developed into popular recently. Previously, due to lack of information about this new surgical magic, many people hesitated about getting plastic surgery to remove scars or to new ones from forming. If you feel there is a little something on your skin that you would like to see lighten or vanish, plastic surgery could be the answer to all of your prayers . Then the scar is layered through the method of this procedure. Hence it is concluded that plastic surgery is becoming popular day by day especially for celebrities, celebrity plastic surgery is the in thing.
Source:http://www.cosmetic-surgery-top-resources.com/
Thu, 29 May 2008
18 Personal Loan Tips For Intending Borrowers
If you're thinking of borrowing money to buy a car, boat, debt consolidation, home repairs, medical bills or anything else for that matter, here are some red hot tips to make the process much, much easier.
Avoid unsecured loans if possible
Avoid using unsecured personal loans if you can put up some security for your borrowings. This will get you a lower interest rate. A home equity loan, or redraw of extra repayments, allowing you to borrow against the equity built up in your own home or an investment property, is the best option of all, and could get you finance at up to 5 percent less than a personal loan.
Be honest in loan applications
Be honest about why you want the loan. Your bank may be able to offer you a loan option that better suits your circumstances. There are an increasing variety of different types of personal credit these days; car loans, commercial loans, leases, home equity loans, are just some of the examples.
Can't get a standard loan? There are alternatives
If the banks, building societies and credit unions won't lend to you because you're self employed, newly arrived in the country or have a poor credit history, consider the booming non-conforming and "low doc" loan market. A number of non-bank lenders offer loans which especially cater for this type of borrower. The interest rates on non-conforming loans are generally higher but come down after a few years of on-time repayments.
Check your statements for errors
There are claims that more than 50 percent of loan statements contain calculation errors. Simple mistakes, like the entry of the incorrect balance or the application of the wrong interest rate at the wrong time can be costly and mostly favour the lender. We all make mistakes, even bank computers make them and that's why borrowers should keep a close eye on loan statements. Various software for your home PC is available that can run a check on your statements.
Consider smaller lenders too
When shopping around for a car loan, consider community banks, credit unions and other smaller financial institutions which might be more approachable, and offer lower interest too.
Do you have to take out a personal loan at all?
Think twice before borrowing money without security. You may have a better option already available; home equity extension to your home loan, a new loan that uses your property as security, a credit card, or even a rich relative!
Do you qualify for a 'relationship discount'?
Relationship discounts are available from banks and credit unions for those borrowers who consolidate a range of banking business with the one institution. Home and personal loan interest rate discounts, term deposit bonuses, savings account fee waivers and credit card annual fee waivers are commonly offered.
Don't just take the dealer finance
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Don’t accept loan or lease finance offered by a car dealer before comparing the offer with finance options offered by your bank or other credit providers. Dealer finance might be less hassle but you could well end up with an expensive loan and more restrictive terms and conditions. The same goes when buying furniture or any consumer goods where finance terms are offered.
Don't make multiple applications
Don’t fill out applications at several financial institutions and have all of them checking into your credit history. This can make you look desperate and lower your credit score.
Don't rely solely on comparison rates
All lenders must now include "comparison rates" in advertisements for their home loans and personal loans to help consumers get a feel for their total cost - fees and the interest. Don't rely solely on comparison rates when choosing a loan and beware of their shortcomings. They only take into account fees and interest rates, not the features and how suitable the loan is for your circumstances.
Have the right information when applying
What you will be required to supply in any application for lease finance will depend on whether the lease is for personal or business use.
Personal lease applications will require:
· proof of current employment
· income details or tax returns
Business lease financing requires more detailed information and may include your:
· balance sheet
· tax returns
· cash flow projections
· business plan
Confirm with the lender what you will need before the interview.
Have you considered a credit card?
Consider also a credit card as your source of credit. Interest rates are generally higher but credit cards are easier to secure and offer greater flexibility of repayments.
Honesty counts
Be honest about why you want the loan. Your bank may be able to offer you a loan option that better suits your circumstances. There are an increasing variety of different types of personal credit these days; car loans, commercial loans, leases, home equity loans, are just some of the examples.
Keep accurate records
Keep accurate records of your deposits and ATM transactions. It is also wise to keep copies of your loan application and approval documents in a safe place.
This is the best way to avoid hefty fees which may be charged by a bank when its customers want to see copies of their cheques or loan files.
Know what interest rate applies
When offered car finance, either lease or loan, always be sure you know what interest rate applies. Lenders often ‘sell’ you their finance packages by quoting the monthly repayments only. This may disguise a high interest rate.
Look beyond the banks
Get a feel for what's on offer across the wide range of financial providers around these days. Credit unions, building societies, mortgage originators, community banks and boutique online or telephone banks may offer better interest rates or lower fees than the big banks because they are anxious to win new business or they are non-profit organisations.
Try lenders with whom you are a regular customer
Take advantage of the human factor. Being a familiar face may earn you some slack if your credit background is smudged.
Understand what's on offer
Is the interest rate fixed or variable? What up-front, annual or ongoing fees are charged?
Source: http://www.money-tips.com.au/
Thu, 12 June 2008
Breast Augmentation Costs
If you have decided to move forward with a breast augmentation the cost of your surgery is a major concern. For many women it is the primary deciding factor. The average breast augmentation cost can range from $4,000 to over $8,000, which is a wide price gap. Doing the proper research may help you end up closer to the low end of that price range.
Breast augmentation, a plastic surgery procedure, is an operation to enlarge or enhance the shape of a woman's breasts via saline or silicone implants. This procedure is oe of the most popular and is most commonly performed on women who are born with small breasts. Many women also choose a breast augmentation to restore breast volume lost after weight reduction or pregnancy. A breast lift can often be done at the same time as your augmentation or may require a separate surgery.
Your breast augmentation cost will be affected by what location you reside in and decide to have the procedure. The experience and status of the surgeon will also play a strong role in the price you pay, as the reputation and clientele will give the surgeon a stronger position to raise their prices as the demand increases for their services. In addition, the pre and post-operative care costs, facility fees, and medications must be taken into consideration when reviewing price quotes from plastic surgeons. Your anesthesia can also be very costly as most anethesiologists charge by the hour, and therefore it is very important that you discuss these costs with your doctor or surgeon.
Average Breast Augmentation Costs:
Average Total Cost: $6,500
Surgeons fee: $4,500
Anesthesiologist: $1,250
Facility fee: $750
Last 5 prices submitted by breast augmentation patients:
K. Boranski. - Hollywood, California - Price Paid = $5,250.00
B. Howe. - Las Vegas, Nevada- Price Paid = $6,750.00
C. Smith - Naples, Florida - Price Paid = $8,500.00
T. Smothersen - Austin, Texas - Price Paid = $6,250.00
C. Tweedie - San Francisco, California - Price Paid = $5,750.00
Submit your procedure price paid here.
If you would like to have a breast augmentation procedure but you feel the cost may be too high for you there may be additional options to pursue. The cosmetic surgeon you select may offer financing options that may help to reduce the initial out of pocket expense. This will vary from facility to facility so it is important to ask questions and shop around.
Most insurance companies do not cover the cost of breast augmentation, except for some rare cases when surgery is needed to reconstruct vital functions of the body. Talk about these insurance concerns with your surgeon and write to your insurance company early before surgery to explore all options.
It is important to avoid the tempation of low prices offered by some surgeons, since the reason may be that not all these factors are included into the total price. Many times these surgeons claim to have extremely low breast augmentation costs to get potential clients in the door. After these clients sign paperwork and get the process they are hit with hidden fees and other charges that slip by the consumers. It is strongly suggested that consumers take their time and ask for detailed price quotes when speaking with each surgeon and facility.
Source: http://www.breastaugmentationcosts
Mon, 23 June 2008
Breast Implants
Breast implant surgery has become the most commonly performed cosmetic surgical procedure and the one with the highest satisfaction rate.
Women choose to have breast augmentation for varying reasons. Younger or older women who have always had small breasts wish to have them enlarged for their self esteem, because their friends or family may have larger breasts, or simply to fit into clothes better. Women who have breast fed may have noticed that their breasts have become smaller or more empty, especially in their upper part. Other women may have noticed that with time their breasts have become empty or saggy. Breast augmentation can address all of these concerns. Typically, the grapevine then gets working and friends of women who have had surgery then come in to have their breasts done.
Dr Szalay's experience of the women that come in for breast surgery is that they tend to be well informed. They have usually researched breast implant surgery on the Internet, often have a friend who has had the surgery and sometimes they have already seen another doctor. Because of this they are usually aware of the options. This is a good thing because it quickly enables the patient and the doctor to communicate freely and understand each other better. This is the best way to optimise the chances that the patient's expectations will be met.
The following is a summary of some of the options to consider.
Type of Implant
There are mainly two types of implants available: saline or cohesive silicone gel. Cohesive silicone gel is the most widely used implant type in Australia, primarily because it feels more natural. The current silicone implants are far safer than the previous ones because they are much less prone to leaking. Saline is less popular as it feels less natural, is more prone to visible rippling and can sometimes deflate. However, the risk of capsular hardening is less with saline.
Dr Szalay offers both types of implants.
Shape of Implant
There are two types: round or anatomical (teardrop shaped). Round implants are the most widely used implant worldwide because of the problem of rotation that can happen to anatomical implants. If you are seeking teardrop shaped breasts then a lower or medium profile round implant can achieve this in the majority of patients.
Surface of Implants
There are two types: smooth or textured. The primary advantage of a smooth implant over a textured one is that it is less prone to rippling. Whilst there was some evidence that a textured implant may be less prone to capsular hardening, some doctors feel that this is not the case.
Dr Szalay offers both types of implants.
Profile of Implant
The profile of an implant means how far forward it will project or `stick out'. Dr Szalay prefers the McGhan/CUI brand of implant which has six different types of profile- optimising the possibility of finding a profile to suit your desires.
In general, if you are seeking a teardrop shaped breast then you may prefer a low or medium profile. Similarly, if you have small, high breasts then aesthetically this may be better for you. If you are wanting more fullness in the upper part of your breast and would like your breast to project forward (which many women do) then you may prefer a high profile implant. Also, if you have breast fed or just with time noticed that your breasts have lost their upper fullness or sagged a little, then a high profile can restore the upper fullness, giving the appearance of a lift.
Placement of Implant
Your breast is composed of glandular tissue and sits on top of your pectoralis major muscle. The implant can be placed behind the muscle, in front of the muscle, or a combination of the two (dual plane). When you come in for your consultation you will be given a booklet with diagrams that show this in detail.
Dr Szalay performs all three types of placement.
Generally, if you are delicately built then you may not have a wide layer of tissue at the upper part of your breast. In this situation, it is better to place the implant beneath the muscle as it will look more natural with the muscle draping over it. On the other hand, if you have enough tissue and you have lost fullness in the upper part of your breast, then it may be better to go on top of the muscle as this method will restore more upper fullness. The risk of capsular hardening is higher above the muscle though and you should discuss this with Dr Szalay.
Size of Implant
During your consultation Dr Szalay will carefully measure a number of breast parameters. Important technical considerations include the width of your current breasts and the distance from the nipple to the fold underneath your breast. Aesthetic considerations such as the width of your chest, your height, the size of your frame and the width of your hips will also need to be considered. Then of course, you will have personal considerations. What size are you looking for? All these things are taken into account and the consultation is very much an interactive and two-way process. Implant sample sizes can be tried on in front of a full length mirror to give you a good indication and it may be that you want to bring a friend or family member to help you decide. It is also helpful to bring one of your tops that you usually wear.
Dr Szalay will also be able to show you a range of before and after photos of breast augmentations that he has performed with varying sizes on different women to give you a further idea.
Ultimately the choice is yours, although Dr Szalay will provide you with advice based on his experience.
Incision Site
There are four choices: inframammary (below the breast); periareolar (around the nipple); axillary (through the armpit) or transumbilical (through the belly button). Incisions around the nipple can sometimes cause noticeable scarring and nipple sensation changes. Incisions through the armpit can sometimes cause nerve damage and sometimes the scar can become noticeable causing a patient to be reluctant to raise her arm in certain clothing. The umbilical approach can only be used for saline implants. Dr Szalay's preferred method is the inframammary (beneath the breast) as it allows for accurate placement of the implant and typically the scar should heal to become a fine line which is hidden in the breast fold.
The Procedure
The procedure is performed under twilight sedation with tumescence and takes about 1 - 2 hours. Twilight sedation with tumescence is safer than a general anaesthetic, with less side effects. Bleeding is minimal and there is usually little if any bruising Drains are not required. Dr Szalay performs breast augmentation at his practice in Brisbane (which is accredited by the International Organisation for Standardisation 'ISO') as well as at Kingsgrove Day Surgery in Sydney. After surgery you are typically kept in a recovery area for about 2 hours before you are discharged home.
Post operative care
Dr Szalay is contactable 24 hours a day if you need him. Most patients are able to return to their usual activities after a couple of days, but some people might be slower, so it would be wise to allow for one week off work and driving. If your work involves lifting, you should allow longer.
Risks
There are risks that you do need to consider with breast implant surgery. Dr Szalay will set these out during your consultation and also provide you with a booklet that explains them in detail.
Source:http://www.precisioncosmetic.com.au
Dr Michael Szalay
Sun, 29 June 2008
Do You Work For Your Money Or Does Your Money Work For You ?
The Poor Cash Flow Pattern
In order to understand the three basic cash flow patterns, you must first understand the difference between an asset and a liability. When you stop working for money, an asset is something that will put money in your pocket every month. A liability is something that will take money out of your pocket every month. This idea touches on the difference between earned income and passive income.
The first basic cash flow pattern is the poor cash flow pattern. Before most people even learn about money they want things, and so they learn first to work FOR money. As their income is earned it is just as quickly spent on their list of wanted items. The poor cash flow pattern has earned income flowing in and entirely back out to expenses.
It does not matter if you have a sizeable income, because money does not make you rich or poor. Money is just a tool. It is how you are managing the tool (money) that determines whether you become rich or poor. Even with a substantial income you are still poor as long as your focus is only to earn your income and pay your expenses.
You may make $500,000 a year, you may have enough income to cover all of your expenses, but if you were to stop working for money you would quickly realize that you are poor, and the idea that you were not was just a temporary illusion.
The Middle-Class Cash Flow Pattern
Eventually people get tired of this routine and begin to gain better understanding and control over their expenses. Enough time spent focused on working for money may produce extra income in the way of a raise or a promotion.
Most people still have not spent any time to financially educate themselves, so they don't know what to do with the extra money. They don't have any ideas of their own about financing their retirement, either. The extra money is usually used to buy a newer car, a bigger house, and anything left over usually accumulates as savings. Eventually most are sold on putting the extra money into a portfolio for their retirement, usually consisting of mutual funds.
These purchases make life more comfortable, and so feel like assets...but they create an expense every month for a very long period of time. The misunderstanding is made worse by bankers who ask you to list your cars and home as assets against loans. By definition, these purchases are liabilities.
The Wealthy Cash Flow Pattern
A change of focus to passive income leads people down the path to a wealthy cash flow pattern. When you look at the pattern of the wealthy you may notice- they do not get their income from a job. Their cash flows in from assets.
Imagine spending your time figuring out a process that will automatically produce some income for you every month. Now imagine duplicating and improving upon that process until it automatically produces your ENTIRE income every month. Finally, you will stop working for money. That process is a business, and that income is a passive income.
From that point forward you will be financially independent. You will not work for money, you will have money working for you. It might take you 2, 3, or even 5 years to establish a system to that point, but once you do you can retire. Once you retire, you have all of your time to spend however you like.
This is the reason understanding the three basic cash flow patterns is so important. These patterns demonstrate the reason why you can become financially independent in just a few years working at a seven dollar an hour job. Your biggest obstacle in the beginning is controlling your expenses and changing your focus from earned income to passive income. Once you have become committed to these fundamental ideas, only persistence stands between you and great wealth.
Written by: Frank Hills
Mon, 07 July 2008
Do You Work For Your Money Or Does Your Money Work For You ?
Liposuction is the removal of fat deposits from areas of the body which do not respond completely to diet and exercise. Through liposuction, both men and women can improve the shape of their bodies with this relatively simple and safe technique. liposuction is one of the most popular cosmetic surgery procedures.
How does it work?
A suction tube is inserted through a tiny incision (approximately 3 - 4mm) placed in an inconspicuous location on the skin. Under vacuum, fat cells are extracted through this tube. The result is a resculpting of bulging areas into more attractive contours.
What is a liposuction procedure like?
Initially, the patient will be sedated then large amounts of diluted local anaesthetic and adrenalin are infused into the fatty area, resulting in numbness of the area and constriction of blood vessels. (Tumescent technique)
This leads to a painless and easy removal of unwanted fatty bulges. It also reduces swelling and bruising after the procedure. The procedure is carried out without awareness, discomfort or pain to the patient. For safety reasons, the procedures are conducted without general anaesthesia.
Who are the best candidates for liposuction?
The best candidates for body sculpting should have firm elastic skin, be in good health and have tried to eliminate bulges through diet, exercise and weight loss. Patients with distinct areas of localised fat that are disproportionate to the rest of their bodies such as inner and outer thighs, buttocks, knees, hips and abdomen can be treated with great success.
Is the fat removal permanent?
Yes, because we are born with only a certain number of fat cells and we are permanently removing many of the fat cells in the area being treated. However, should you gain weight after liposuction, the remaining fat cells might expand. So whilst the localised fatty deposits that existed prior to liposuction are unlikely to balloon up out of proportion again, it is a good policy to try and avoid weight gain following the procedure.
Will liposuction get rid of cellulite?
liposuction is not a treatment for cellulite, although many patients do notice an improvement in the appearance of cellulite after the fat cells are removed.
Aftercare
After your procedure, you may feel drowsy from the anaesthetic. It is important to have someone drive you home and stay overnight. You will be given some medication to take to prevent infection and it is important you take this as instructed.
For 1 week, you will be required to wear a compression garment day and night after your procedure. Following this, it should be worn for another week. The garments are made out of a strong lycra type material and are designed to hide under your clothing so no one need know you are wearing them. Tight clothing should be avoided for 4 weeks as they may leave a demarcation line.
You may experience some discomfort and stiffness initially (a little like having done a strenuous gym workout), but this will gradually disappear and most patients tolerate the discomfort without the need for pain killers (e.g. Panadol). Swelling or bruising usually subsides over a week or so but your final result may not be apparent for 4 - 6 weeks.
Following the first day, we recommend you walk for at least 30 minutes each day and otherwise continue with your normal activities. You can return to non strenuous work within 2 days. However, you should wait at least 10 days before attempting more intense activity and if discomfort is experienced with any activity it should be discontinued.
Written by:Dr Michael Szalay
Sat, 12 July 2008
How To Select A Professional System Tooth Whitening
A person’s appearance is very important in creating a good first impression. Much is centered on your appearance and many times your personal comfort level also depends on how you believe your appearance compares to others.
Therefore, it is not surprising that the beauty-related industries including cosmetic surgery and aesthetic dentistry are so much in demand.
Why is Tooth Whitening so Popular?
Professional system tooth whitening is one of the easiest ways to improve one’s appearance. It is fast, affordable and the impact it produces can be spectacular. The most popular method is the professional bleaching of the teeth. In this process, the teeth are treated with carbamide peroxide, an active ingredient which releases a great amount of oxygen into the enamel of the teeth making it a few shades lighter.
The compound is usually applied to the teeth with the help of a special tray which protects the gum during this process. The best thing with a professional system tooth whitening process is that it is fast and extremely efficient.
You can have your teeth completely whitened in a matter of two days. The process itself takes about 1-2 hours at most for the dentist to start the treatment; it is then followed up with re-application of about 30 minutes over the next two to three weeks. However, there should be visible impact within two days’ time. There are also other improved products today that can be applied overnight which assist in speeding up the process.
What are the Other Choices for Professional System Tooth Whitening?
Bleaching is only one of the many methods adopted to whiten the teeth. The other options for professional tooth whitening are laser treatment which is extremely efficient and fast. Of course, it is also more expensive but may be worth it given its convenience and speed. It is smart to have an estimate provided before you undergo the treatment lest the end bill be more than expected.
The benefits of professional tooth whitening can last for three to four years depending upon your life style. Your dentist will advise you on the contraindications once the treatment has been completed.
Source: www.thecosmeticdentistrysite.com
Sun, 20 July 2008
The Best Cosmetic Products For Women
Like a young girl who has found a new fun toy, this article about cosmetic products will present a whole new world of joy and wonder for you. Modern technology gives today's women a huge advantage over women of our grandmother's time. While cell phone technology gives us instant access to family members, modern fabrics allow for wash and wear convenience. As for our personal appearance, with the cosmetics products now available, there's simply no excuse for not looking your best. There are cosmetic products for every beauty need - wrinkles are diminished and nails made beautiful in just a matter of minutes. Let's take a look and see how some of today's cosmetic products would have been a dream come true for your grandmother. If you're old enough to remember putting your hair in old-fashioned rollers which poked your head all night and more often than not, fell out before the morning's brushing, you can appreciate the bevy of hair curling cosmetic products at your disposal today. There are curlers which come in special boxes to steam before placing in the hair. This means your do is perfection in less than twenty minutes. You no longer have to deal with nasty-smelling sprays which make the hair as stiff as a board. Gels and mousses keep every hair in place and have a nice fragrance as well. In Grandma's day, all the cosmetic products in the world wouldn't hide scraggly looking nails. The ordinary woman, with everyday cleaning causing snags and breaks, had to be satisfied with short nails. Press-on nails have hit the cosmetic products scene. You can have gorgeous, sexy nails with multi-color effects, intricate designs and glittery highlights at a moment's notice. Perhaps one of the greatest cosmetic products to come to the rescue of today's woman is the face cream, with a solution for every type of skin and age group. Today it's possible to keep those telltale wrinkles away. There are cosmetic products developed just for teenage skin, eliminating blemishes while nourishing young skin. There are creams suitable for daytime application as well as rejuvenating creams that work all through the night. Still more are especially for use on delicate under-eye areas.
Before we go an further, lets take a moment to review what we have learned so far about this amazing subject. Cosmetics products designed for cleaning the skin are no longer limited to cold creams. Young or older, you'll find cleansing creams and lotions to nourish and invigorate your skin. Make-up is light years ahead of Grandma's repertoire. Her foundation was a heavy liquid which never quite looked natural. Now, the number of available shades are many and today's foundation is light and natural, handily covering minor imperfections. Any cosmetic products counter, from pricey department stores to the discount drugstore, presents dozens of choices in lip color and eye shadow. Yes, we should thank our lucky stars for the modern technology that produced the current selection of cosmetic products. Besides the obvious beauty advantages, these products are relatively inexpensive when you consider the life span of a bottle of foundation or box of eyeshadow. A visit to the cosmetics counter can be fun indeed! As my smart dad once said, knowing stuff is everything, so continue gathering information about cosmetic products until you feel you are adequately educated on the subject. You can gain more information about this fun and exciting topic if you Google it.
By: Gnubas
Article Directory: http://www.articledashboard.com
Sat, 26 July 2008
Who wants to be a millionaire?
Australia now has more of them than Brazil or Spain. John Collett looks at the reasons why.Thanks to the resources boom, the ranks of Australia's millionaires swelled more quickly last year than in most other developed countries...
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The number of Australians with financial assets of at least $US1 million ($1.03 million), excluding the family home but including superannuation, rose 7.1 per cent to 172,000, according to a survey by Merrill Lynch and Capgemini.
Of the 71 countries surveyed, Australia ranked 10th by number of millionaires.
Australia has more millionaires than Brazil and Spain, despite those countries having much bigger populations. As expected, the US is still the richest country and is home to 3 million of the world's 10 million millionaires.
Yet the large emerging economies of China, India, Russia and Brazil are growing their ranks of millionaires much more quickly than countries with fully developed economies. China, which had 415,000 millionaires last year, is on the verge of overtaking Britain and its 495,000 millionaires.
However, the credit crunch and turmoil in world financial markets slowed the millionaire club's growth rate last year and is expected to affect this year as well.
Wealth in Australia has been generated in several ways, says Thomas Alexy, Merrill Lynch's head of global wealth in Australia. Certainly, the booming demand for commodities has helped, he says.
"But the wealth comes in a lot of shapes and forms."
Apart from the handful of lottery winners, the prerequisite for building wealth is either being successfully self-employed, having a job with a high income or receiving an inheritance.
Yet plenty squander their income without having much to show for it.
Those with discipline who get good advice and take full advantage of Australia's quite generous tax system for borrowing to invest tend to do the best, Alexy says.
He says successful long-term investors are those who preserve their capital with good asset allocation and "never try to hit the big home run".
Andrew Inwood, the founder of brandmanagement, which conducts market research for the financial services industry, estimates that one in four of Australia's millionaires was born overseas.
"Migrants with money used to be mostly from Europe but are now from Asia and even the Middle East and Africa," Inwood says.
He says another striking feature of Australia's millionaires is that about three-quarters own their own small or medium-sized businesses and more than 70 per cent are tertiary educated.
PATIENCE
Doug Turek, the founder of high-end financial planning firm Professional Wealth, says wealth is driven by age, income and a few habits or traits - the main one being patience.
"Barring a few dotcom or iron ore millionaires, it is very hard to accumulate assets quickly; you need time for these things to build. It doesn't necessarily matter if your investment focus is strictly shares or direct property, or a mix of those things or even building a business. The key is having a disciplined focus over a long period of time."
Turek has developed an online survey (www.wealthbenchmarkets.com.au) where people enter their financial details anonymously and in return are told how their wealth compares with others of the same age and income.
More than 90 per cent of the participants in the survey are male. "Males seem to be picking up higher income roles than females," Turek says.
"There is plenty of other research to show that women, because of their time out of the workforce and inequalities in roles and promotion, are not as wealthy as men."
However, Turek says the marked predominance of wealthy males in his online survey may be partly because men are more comfortable than females in sharing their financial information, even though it is given anonymously.
"It is a male-dominated wealthy world," he says.
One of the key determinants of wealth is the family situation. "Being together and not divorced is a very strong success indicator because of the tremendous financial costs of separation over a lifetime," Turek says. "If you have been divorced, your net worth will only grow to three-quarters of those who are not."
PENNY PINCHERS
Inwood, whose company recently conducted a focus group with wealthy people, says some millionaires enjoy an extravagant lifestyle but most are modest in their spending. They tend not to spend that much on clothes and holidays, and are generally "tight" with money but will spend on quality things.
Turek says working overseas is also good for building wealth. "We have found that those that have spent time working overseas have a higher net worth than those who have not.
"You can think of professionals who have worked for a law firm in London or for an investment bank. Then there are those who have grown up in another culture and economy, and have come to Australia as a wealthy migrant."
It is not only those on particularly high incomes that have become wealthy.
Inwood uses a lower threshold for the definition of a high-net-worth individual than many other researchers. His definition is those with assets of more than $450,000 outside of their homes and superannuation. Recent research by brandmanagement shows that about half of them earn less than $100,000 a year.
They are those in their 50s and 60s, the baby boomer generation who have enjoyed rising house prices during the 1990s and 2000s and have good savings and investment habits. Home ownership has given them a springboard to borrow and invest.
Now that house prices are much higher than when the baby boomers first got onto the property ladder, it remains to be seen whether younger generations will fare as well.
SOURCE: John Collett - The Age
Mon, 28 July 2008
7 Cash Flow Steps to a Healthy Budget
The word budget can strike fear into even the strongest of people. If there is one thing very few people are ready for when they leave the safety of home for the first time it is dealing with money. There are not too many people who even know how to balance their chequebook after they open their first chequeing account. So creating a budget can be a scary proposition for anyone who isn't good at keeping track of their money.
But if we look at a budget in a different light then maybe it will be easier to live with what it is. And all it is is a cash flow plan. All a budget does is track where the money is flowing from and where it is flowing to. Cash flow; it's what makes the world go around.
Here are 7 steps you can use to plan your cash flow and before you know it you'll have built a budget. Start with a piece of paper and a pencil; you can save those fancy budgeting software packages for later.
1. Write down your monthly income. If you are a salaried worker this should be easy. If your income is not that steady then add up the past three months worth of income and average it by dividing by three. This will give you a good starting point.
2. Start writing down all your monthly expenses. Mortgage, rent, car payment, credit card payments, utilities, groceries, eating out, entertainment, and anything else you spend money on. For those expenses that fluctuate, such as groceries and gas, use the three month average method to get an accurate amount.
3. Here's the scary part for most people. Subtract the expenses from the income and see what's left. You will either have a positive cash flow or negative cash flow. Unfortunately in this day of increasing debt most people have a negative cash flow.
4. Once you have your monthly cash flow laid out in front of you you can start assigning your money to your expenses. As you make those payments throughout the month write them down to see how your spending lines up with what you have budgeted for that particular item.
5. If you have a negative cash flow then you can start looking at everything you have written down and find areas where your spending may not be in the best interest of you financial goals. As you do this you can free up money for more important financial considerations.
6. The first time you do a cash flow plan it probably won't work out quite right. It normally takes about three months to get everything working right while you figure out where your money has been going every month. Be patient with your budget and before long it will start working and you will regain control of your money.
7. Once you are comfortable with your written budget and you have better control of where your money goes and what it does then consider investing in some budget software such as Quicken. It can make your cash flow plan much easier and with the added features like retirement and tax planning it can give you a solid financial future.
By using these 7 cash flow steps you can begin your budget quickly and easily. Only by taking back control of your money can you improve your financial future for you and your family.
Written by:Andrew Bicknell
Tue, 05 August 2008
Cosmetic Surgery Financing
Cosmetic surgery financing makes procedures affordable to those who might otherwise not consider it an option.
As Medicare and private health insurers do not cover most cosmetic procedures, cosmetic surgery financing is often the only means by which patients can afford the more expensive procedures.
Many financing alternatives are available, from installment plans arranged through the doctor's office to credit from outside sources. By shopping around, patients should be able to find the best finance option for their specific needs and financial situation.
Generally speaking, cosmetic surgery financing is available regardless of the type of procedure requested, with monthly payments varying based on the cost of the procedure and the length of time needed to repay the loan.
Many cosmetic doctors have made access to financing more convenient for their patients, and you can often fill out the loan application during consultation and receive loan approval almost immediately. Other doctors have arrangements with businesses that provide cosmetic surgery financing over the Internet or telephone. Patients can also research and obtain financing on their own, and it is a good idea to investigate the various rates for cosmetic surgery financing from different sources.
When you are considering different procedures and doctors, financing can allow you a greater freedom of choice, making more expensive options feasible.
If your preferred cosmetic doctor does not offer a payment plan, there are finance companies available who deal specifically with elective surgery financing. These companies will either allow you to choose your own doctor or will offer you their own register of doctors to choose from.
It is important to know beforehand which procedure you are opting for and the costs involved before you make a loan claim. A consultation with a cosmetic medical practitioner will enable you to learn how much you need to borrow. Ask your doctor what things are included in the fee and whether post-operative visits, post-operative garments, post-operative medications, and GST are included in the fee structure. Then approach the finance company for the cosmetic surgery loan.
The loan term for cosmetic surgery financing ranges from 2-5 years. Usually these loans require no deposit.
As with any type of loan, consider your financial situation carefully and make sure you are not getting yourself into unnecessary debt for a procedure you may want, but do not actually need.
Source: http://www.cosmeticsurgeryaustralia.com.au
Mon, 11 August 2008
Is Cosmetic Surgery Right For You?
by: Elizabeth McGee
For most of us, we go through the majority of our lives not even noticing our skin; then one day we wake up and notice we just got older. I remember that day!
We might begin to look tired with bags under our eyes, our eyelids look a bit droopier and our cheeks sag a little more than they use to. Perhaps you're getting tired of your thin lips or large nose or maybe you just want a fresher or more glowing look.
Unlike years past, more and more people are looking into the option of plastic surgery for making their faces look
younger, contouring noses and eyes or getting rid of the extra fat pockets that just won't go away.
Did you know that according to the American Society of Plastic Surgeons, men accounted for about 1.2 million cosmetic procedures in 2004? It's a known fact that
men don't want to look any older than women do.
According to the American Society of Plastic Surgeons (ASPS) the top 5 cosmetic procedures were:
For women:
1 Liposuction
2 Breast Augmentation
3 Eyelid Surgery
4 Facelift
5 Chemical Peel
For Men:
1 Nose Reshaping
2 Eyelid Surgery
3 Liposuction
4 Hair Transplantation
5 Breast Reduction
The new five-year trending data shows cosmetic procedures are up 24 percent from 2000.
So is cosmetic surgery right for you?
Well, I can't speak for everyone but there are a few things to note on what to expect.
First and foremost, cosmetic surgery is "surgery" and it hurts ...ouch! There is swelling and puffiness immediately
after the procedure, so don't expect to look beautiful coming right out of surgery.
Understand that a nose job or a face lift won't necessarily make you beautiful and it probably won't change how the world feels about you. In fact, patients have been known to feel a sense of disappointment after their procedures.
Because of this it's extremely important to understand how much of a change you can expect. Changes could vary from subtle to extreme.
If you're considering plastic surgery try asking yourself these things first:
Q: Why do I want cosmetic surgery? Who am I doing this for?
A: If it's because your co-worker says you have a big nose or if you think looking more beautiful for your husband will help him pay more attention to you then,
you're a poor candidate.
Pleasing your co-worker or hoping your husband will be more attentive are poor reasons. A new face, nose or body won't change how others feel about you and if
it does, it will be temporary.
Q: Can I afford This?
A: Most cosmetic procedures are not covered by health insurance unless they are health related. If you have to scrape together the thousands of dollars it
costs to have a procedure done then you're probably better off looking into non-surgical or less invasive treatments such
as Botox, Chemical peels or microdermabrasions.
Q: What if the results are not what I expected?
A: There's always the chance that expectations won't be met. Be sure you are ready financially and emotionally to
undergo more treatment if the results failed to meet your expectations.
As with any high cost, risky procedure, be sure to think it through. Don't act on a whim. Discuss the procedure extensively with your doctor as well as with relatives and friends. Get some outside opinions. If you can, talk with people who have had the same procedures done that you are looking into. Talk with them about their experiences and get advice from them on their recommendations.
If you're still interested in pursuing cosmetic surgery be sure you are in good health and free from any major health disorders such as diabetes, heart disease or high blood pressure.
Mon, 18 August 2008
Which Credit Card is Right for You
If you're in the market for a new credit card, there is a bewildering array of cards to choose from. There are even more incentive offers, so how can you decide on the card that is best for you? Here are some of the factors to consider.
What Kind Of Payer Are You?
The most crucial question is whether you are a person who clears the credit card every month or whether you always leave a balance on the credit card.
If you pay up at the end of every month, then you can go for a credit card that offers an incentive. If not, then you need to look at the annual percentage rate (APR) on the card. If you know what your typical credit card balance is, look at the illustrations given by card issuers to give a guide to how much you might have to repay over time.
Taking An Interest
Even with interest rates, you need to be careful. Although your new credit card may come with a 0% balance transfer rate, this is not the only rate to think about. Look at the rate on purchases or other transactions to see what you might be paying. And remember that any payments you make are likely to pay off the transferred balance first, while any new spending accrues interest.
Compare Credit Cards
Want to know which card is right for you? Why not check out our credit card comparison page to view a table comparing features and benefits of some of the most popular cards. Click here.
Hand in hand with the interest rate goes the interest-free period. This is the delay between spending money on the credit card and being charged interest. This can vary considerably depending on the card you choose. The interest free period can be as much as 56 days. And it's how you use it that counts. If you put major spending on the credit card after the statement date, you have a month till the next statement, and then a few weeks to make the payment. This can be a good way of managing cash flow.
Look At The Fees
There are three types of fees that count with credit cards. The first is the cash withdrawal fee. Many credit card issuers charge you for withdrawing cash at an ATM. These fees can be around 2% of the transaction. The percentage is even higher when withdrawing cash abroad. If you must use the credit card, then you're better off making one large withdrawal so you don't pay the minimum fee each time.
Getting Some Cash Back
Some credit cards offer annual cashback deals which are great for people who clear their balance every month, but not so good for others. If you don't clear your balance, the interest charged will wipe out any cashback gains. There are also reward points schemes that allow cardholders to earn money from their spending – and spend it again with a variety of high street and online retailers.
Paying attention to these items will help you to choose a credit card that will match your financial situation.
Source:Amanda Cherry
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