How to Find Cosmetic Surgery Financing?

All of us know that cosmetic surgery is expensive and some procedures are more expensive from the complexities involved. Some procedures may be an amount more than that of a small car! But the best part is that it is easy to attain financing for you cosmetic surgery procedure. There are many ways to get cosmetic surgery financing. Some people treat cosmetic surgery like how they purchase household items like a TV or a washer. You can have the cosmetic surgery financing by using your credit card and there are many cosmetic surgeons who accept credit cards for almost all of the procedures. This is good news for those who want to change their appearance or loose some pounds from their body.

Credit cards are really expensive in the sense that the interest rates for the amounts used for purchase are quite high and hence it will add up to the already expensive surgery to make it more expensive. In this situation generally people will try to repay the amount back as early as possible to avoid the higher interests. Also there are cases that some cosmetic surgeons do not accept the credit cards. In this case, you have to make some cash withdrawal from the credit card to meet the cosmetic surgery financing. This also will attract more expenses in the way of higher interest on cash advances.

Cosmetic Surgery Financing by Surgeons

As we have seen the interest rates on credit cards are very high and mostly people will find it very difficult to afford such hefty interests. There are other avenues for cosmetic surgery financing. You can take the home equity loans for the purpose of financing. Banks will be extremely happy to issue loan over the home equity. Home equity loans carry less interest rates compared to any other loans and are much less than the credit card interest. You can check up with the officers of your bank about the low interest rate options. In fact, banks are eager to issue loans to genuine customers, even without asking the purpose of the loans. Really this is a viable option.

If you cannot work out a bank loan, there are some other options as well. Many cosmetic surgeons have their own modes of financing. They are ready to offer their services with long-term payments with interests. The system is good for the patients as well as surgeons. The patients can do the surgery without much worry about financing and doctors get this opportunity as a deposit with more interest rates. Some doctor collaborate with private financial lenders to provide financing to patients with good credit records. Some companies offer cheaper interest rates than credit card financing companies.

Citi: Not Just A Credit-Card Bank

Citigroup Inc. (NYSE: C) or Citi is one of America’s largest and most well known financial institutions. The multinational financial services corporation has its headquarters in Manhattan, New York City, New York, and is one of the “Big Four” banks in the United States, an elite group of institutions that together (as of 2009) hold 39% of all U.S. customer deposits. Citi was formed as the result of a 140 billion merger of Citicorp and Travelers Group in 1998, creating the world’s largest financial services organization with assets of almost $700 billion. The merger allowed cross marketing between Travelers, offering mutual funds and insurance, and Citicorp’s banking divisions, giving both companies direct access to qualified consumers. Citi is currently ranked by Forbes as the tenth largest company in the world by composite index.

The third largest bank in the world today, Citigroup, by total assets, was the largest bank and company in the world until the financial crisis of 2008. During that crisis, Citi, along with many other financial institutions, suffered massive losses totaling in the billions, prompting the company’s leaders to petition for government rescue aid. Although Citi received a bailout stimulus package from the federal government in November 2008, by December 2010 Citi repaid the emergency aid in full. In addition to repaying the emergency funds, the federal government received an additional $12 billion in profit from the sale of the company shares it acquired in the bailout agreement.

As a company, Citi has two major business segments – Citicorp and Citi Holdings.

Citi Corp provides:

Regional Consumer Banking -

Retail and local commercial banking
Citi personal wealth management
Citi-branded cards, retail partner cards
Asset management (Latin America)

Institutional Clients Group -

Securities and banking
Transaction services

Citi Holdings provides:

Brokerage and asset management
Local consumer lending
Special asset pool of exclusive institutional and consumer bank portfolios

As a result of the multitude of financial products and services offered and the multiple markets serves, Citi has a number of brands. Citi brands include:



One Main Financial (formerly known as CitiFinancial)


Citi Capital Advisors

Citi Cards

Citi Private Bank – finance, banking, investment, trust and advisory services for wealthy individuals

Citi Institutional Clients Group – investment and commercial banking services

Citi Investment Research

Citi Microfinance – works with the microfinance sector to broaden the reach of financial services

Banamex – Mexico’s largest commercial bank

Woman & Co. – membership program that addresses the unique financial facts of women’s lives.

Top 10 Ways to Manage Your Personal Finances

Marriages break down over finances, banks harass you regarding them, and the stress can kill you. Feel like it’s the time to take the reins in your hands? The good news is that you can. Just combine a little bit of common sense with a pinch of planning, and you have the fastest grip on your ‘dough’. Below are the top ten ways to take good care of your finances:

1. Start with a plan. First of all, jot down all the facts of your fiscal life – how much money is coming in, how much are you spending, how much are you saving, how much do you owe somebody etc. This will require you to bring out all the bank statements, utility bills, credit receipts etc. Then divide the list into how much you want to put under each heading. Be realistic while doing so though. You cannot get along on only 20% of your salary and save 80% of it! Then, start off on achieving your set target. Again, it has to be realistic and should allow for any variable costs that you may have.

2. Involve the family and your better half in planning your budget and savings. Listen to what everybody needs. Listen to their suggestions and involve them in filing receipts etc. so that they know how much you all are spending versus how much you have to. This will make them more comfortable with any changes you might propose.

3. Categorise your savings into emergency funds, your children’s college funds, retirement savings and leisure fund. This way you will have a cushion whenever the need arises. For example, your children will not have to miss college if they do not get scholarships or they do not inherit an estate from that old great great grand aunt. Emergency funds should at least be three months worth of expenditure.

4. Record your savings. Keep records of what you are spending money on. Is there a way to cut down on this spending?

5. Cut down on your credit card use, because once you are hooked on buying things using credit you would always be paying off high-interest debt. You do not have to totally stop, but realise what you can pay back in a logical timeframe.

6. Expensive gifts are always the biggest financial shock. Cut down on the price and improve the experience. Be creative and give gifts that are more than hefty price tags.

7. If you are planning on mortgaging a house or buying a car on a bank loan, first consider if you would be able to pay for it without changing much of your lifestyle. Consider what small changes you can make and if that would affect your family.

8. Cut down on expensive leisure activities. Spend more quality time together.

9. Do not treat away all your perks and bonuses.

10. Teach your children how to manage their own funds because an early start is always a good investment.

Is Cosmetic Surgery Financing Available?

Cosmetic surgery can be quite expensive, with some procedures costing as much as a small car. However, cosmetic surgery financing is often available much like the financing of other major purchases. Statistics show that many people looking to change their appearance or even lose a few pounds, will purchase their cosmetic surgery the same way they purchase a refrigerator or a television. They may pull out that credit card to create cosmetic surgery financing. Most cosmetic surgeons will accept the major credit cards as payment for any and all cosmetic surgery treatment.

The problem with using a credit card for cosmetic surgery financing, obviously, is the same as that for using the card in financing any major purchase. The interest rates on credit cards are extremely high and therefore add substantially to the cost of these procedures. It’s a wise idea to pay off the costs as soon as possible in order to save on the interest rates that will incur for cosmetic surgery financing.

If the cosmetic surgeon does accept credit cards as payment for the procedures, the patients who still want to use their credit cards for cosmetic surgery financing could possibly take out a cash advance from one of these institutions. But as with buying directly with the cards, these cash advances will also add to the costs of the procedures.

Surgeons Allow Cosmetic Surgery Financing

While the interest on the credit cards used for cosmetic surgery financing can be substantial, there may be other avenues for the borrowers who are intent on plastic surgery. Some people have turned to using a loan on the equity of their home for their cosmetic surgery financing. These loans will also incur some costs for the interest, but the interest on these loans is considerably less than the traditional credit cards.

Another option is to speak with the officers at the local bank to discuss other mean of financing. Banks are looking for customers and in many cases, the customer may not even have to explain the need for their loan. These loans will also have a more favorable interest rate than the credit cards that are so easy to use.

Cosmetic surgeons themselves have set up other options so their patients will have access to cosmetic surgery financing. Some surgeons offer their own systems for treating patients and then collecting the fees with interest over an extended period of time. Such systems allow the doctor to earn the extra dollars for the interest on the loans for plastic surgery.

Restaurant Financing Is Hard To Qualify For

There is more than one way to finance an existing enterprise. When it comes to restaurant financing, banks are notoriously averse to offer much by way of working capital. This shoes that for the budding entrepreneur, finding money for cash flow may be too troublesome. What’s worse, if something requires funding down the road, it can be even more difficult to find it.

Under ideal circumstances a bank will want you to provide a minimum of 25-30% of the initial capital for start up costs. If your company need more working capital later on, say for a repair or expansion, there is boat loads of paperwork to get together. More to the point, the bank will need to see that you have been in operation for a number of years and contain collateral before they let you walk out the door with their money. Restaurant financing companies and factoring companies who provide a merchant loan are more flexible as far as their terms. They already understand that your company is taking in a decent income based upon the credit card volumes they see each month. While they will base what they offer you on those sales, they may also adjust repayment terms to match those sales on a weekly basis. That means you will never feel overextended to pay your balance.

Of course, there may be other ways who provide restaurant loans as well. Family, friends and coworkers may be willing to loan you some capital, but it is truly bad to mix your personal life with your business life if you can avoid it. An impartial, professional company is your best choice if you cannot the bank.

You will pay more while using a factoring arrangement than with a typical bank. However, the trade off of being able to qualify with a factoring agreement to that of a bank loan is substantial. After all, 6% of nothing is 0. You could have your money in 7 – 10 days. You would be lucky to receive an answer from the bank by then, let alone capital in your account. In addition, assuming everything goes well with your initial contract you should be able to qualify for more advances. This form of working capital can serve as a significant cash flow solution in today’s market.

Racing Awards, Medals and Customized Gear for Runners

Running, whether it be a 5k with the family, a 10k for an extra challenge, or a marathon for the elite runners, can be a very exciting and memorable experience. Running is a very personal sport to lots of people, as it can be great exercise and can make you look and feel very refreshed. Tons of awards are given out to winners at races each year. For people organizing these racing events, finding customized and personal running gear can be difficult, as well as finding unique prizes for running champions. When orchestrating a race, you want to have a memorable competition. Medals and unique prizes can help to make the race more exciting. Participants can keep prizes as souvenirs, and remember the experience better because of a keepsake.
The most important souvenir a competitor can take home is a winning medal. Those are worn with pride, and showed to family members and friends. They are often hung on walls, or shown off where they can be seen. Of course, medals need to be personalized, unique, and specific. You cannot award a running champion with a medal that doesn’t recognize what it’s for. It is often a perfect idea to find a company that will provide you with customized prizes for winners. Often, you can ask for customized medals that include the date, the name of the race, and the name of the company sponsoring and orchestrating the event. That way, when people proudly show their winning medal to others, the people who made the event happen will receive the credit and publicity they deserve.

In addition to medals, running apparel and gear can be a great way to make the race more memorable. Unlike medals, gear is commonly worn and would be used often. Passing out swag, such as customized shirts, jackets, hats, and bags can be a great way to add to the excitement of the race. Races with their own gear are viewed as more unique, as they have customized logos and attractive designs. Shirts can be given out to families, and jackets can be sold at the finish line. Hats can be passed out before the race to keep the sun out of the athlete’s eyes. And, of course, bags can be kept forever and used for multiple occasions. Having the name and date of your race on these items can help to increase publicity and help the runners remember what a successful and memorable race it was. Customizing these mementos can help to define a great race, and will definitely help a race to be more exciting and enjoyable.

Gamble on Line – Possess these Various Advantages for your own

There Really are assorted kinds of games and sports which can be found around the world and human beings possess significant interest within them. There’s simply no uncertainty at the simple fact this one among the absolute most essential explanations for why the games and sports really are all important to this public is on account to how those toss some type of troubles .

There Is just 1 particular certain form of video sport which likewise causes it to be into this set of their treasured games which people are able to playwith. And it’s also not any aside from betting. Betting fulfilling the exact same and is exactly about challenges. There are areas. But once again if it regards betting on line the huge benefits really are far a great deal greater than that which it’s possible to see right now.

Now you Must definitely make certain which you’re choosing the optimal/optimally internet web sites as a way to acquire through together using the practice of betting absolutely. And this is what’s going to offer a great deal of benefits to you.

A Variety of Benefits of gaming Internet:

After Would be the numerous benefits of betting on line that individuals have to be mindful of:

· Convenience:

Comfort Is decidedly among the greatest explanations. Here really is some thing which functions being a boon because you aren’t going to need to go everywhere whatsoever.

· Engage in every time you enjoy:

This Is another benefit that is important you have to know of. The internet singapore casino has ever let exactly the exact same as properly. You may be certain you are surely becoming to engage in midnight or sunrise much.

? Perform from anyplace:

Now you Maybe in almost also you also may adore the access to the games online and virtually any nation.

Each of In making certain you’re receiving through, These items can help you With the consequences for on line.

Coloring Pages Growing Horizons Of Kids

Children are amazing. They know whatever they are taught. If You wish to enhance the horizon of one’s children, and it’s time to get them participated together with coloring pages. Yes, even they all are on line pages that offer many different ways to bring the hidden talent in your kids. These coloring pages comprises of exceptional lessons that are conveyed at a manner that is fundamental to enable kids to grasp.

Coloring Pages – Benefitting Childrem

Worrying concerning the cost in Association? Chill, as they truly have been available at no price tag. Furthermore, you need to stay away from the stress of shopping for exceptionally costly gadgets that are educational. Everything you will need to have is your distribution for your own printer. It can open the pathway for both kiddies to take high benefits in association with internet colouring pages.

You must be wondering why children Have to Be included in coloring. The main reason is that coloring an image will absolutely control the entire attention of one’s kid. They is going to be in a favorable position to concentrate regarding completing their work followed closely by presenting the most useful finished merchandise.

Parents Can Be Getting Brief Repite

Additionally, Mom and Dad Will Have the Ability to Acquire short respite as your Children will probably undoubtedly be coloring pages which is really a funny exercise. On the web coloring pages have been well known to give children several of the best educational gains entirely. They is going to soon be memorizing numbers along side titles of veggies as well as creatures.

More vulnerability to coloring, simple will probably be learning methodology. Kiddies will secure a chance to fortify the coordination between eye and hand . Since they’ll be learning to color lines, abilities will grow in a ultimate manner. Psychologists state that coloring offers an insight into emotions of children in an imaginative way.

Which exactly are you thinking? Involve your kids with coloring Pages in the earliest.

Types of Wood Siding Available for Homeowners

When building your home, even the smallest decision could make a world of difference in what it ultimately looks like. This is also true when undertaking an exterior redesign project. Siding, among other key characteristics, is one of those big decisions that could entirely alter your home’s exterior appeal based on your decision.
Although plastic siding has become a popular option in recent years due to pricing, traditional wood siding remains the preference for many homeowners. This is because wood siding offers customers numerous benefits over their plastic counterparts. Benefits include:

• Wood siding is eco-friendlier than plastic

• Wood is more aesthetically appealing

• Many types of wood are naturally resistant to mold, mildew, and rot, which allows the home owner less maintenance

• Wood lasts longer

• …And much more

One of the main benefits is that wood naturally takes to paint, stains, and other decorative options incredibly well. Plastic, on the other hand, often must be crafted in the customer’s color choice – meaning that options are limited. Once decided upon a type of wood siding, however, you can then choose any type of finish. Whether you want to paint your home the colors of the rainbow, or opt for a natural dark wood stain, anything is possible. Below we look at four of the most commonly used types of siding available: board and batten siding, bevel, tongue and groove, and lap siding. Each has their own aesthetic appeal so that there is something for every person’s unique tastes.

Board and Batten Siding

Board and batten siding is a vertical design created by using two different sized boards. The wider boards are set beneath, while the narrower boards are placed atop the joins. These narrower boards are called ‘battens.’ There are no set widths, so homeowners can choose their preference. The most commonly used measurements, however, are 1 inch by 3 inch battens placed over 1 inch by 10 inch boards.

Bevel Siding

Bevel siding is the most commonly used siding. Installed horizontally, boards are cut at an angle so that one side is thicker than the others. This creates a shingle effect, or the appearance that the boards are overlapping one another. Tongue and Groove Siding Tongue and groove siding is incredibly versatile. Available in both rough and smooth board finishes, it is fitted together tightly to give a sleek appearance. It can be installed in any direction, which does not only include horizontal and vertical, but also diagonal.

Lap Siding

Lap Siding is also known as Channel siding. This siding is very versatile, with installation capabilities for any direction (like the above tongue and groove siding). This unique siding features boards which partially overlap one another, and the ultimate results are a rustic appearance like those of a hunting cabin. If you’re interested in learning even more about wood siding -including less commonly used types available – you can contact your local siding specialist or construction expert. They will be able to give you more detailed information, including a price estimate for your area.

The Best Way You Can Double Your Winning Into Sports Betting?

Have You any idea how much cash is used on sports betting? Well, that’s a significant bit. But regrettably, a lot of the cash is equaled broadly speaking by amateurs who lose. Sports gambling isn’t simply a topic of random probability. It is far much more of the competition with experts. In online betting you can’t provide an explanation that you are a newcomer.
Much like The sport is gaining a massive share. In fact, there is a excellent share of people that have intended to change the gambling sports online betting with their whole time source of income.

To be A winner in sport betting, you have to keep aside your emotions and also follow the following strategies:

· It is all about the chances

The First step of sport gambling lies on what club you will invest your dollars. Take aid. He will certainly place his money onto that team that may give the best outcome.

· Guess by Means of Your head and not heart

Even a Because they utilize their core more than their thoughts number of individuals reduction in sports bet. Betting can be a calculative game. So, you have to understand to figure your own risks and dangers in addition to learn how not to collapse into the snare of these kinds.

· Spend Money on everything you know

Never Invest you don’t understand. This advice should also be followed for sport. Persons have a tendency to bet upon high profile matches. However, the facts is that the actual athletics professionals bet upon the people that are most ignored. This yields to raised outcomes compared to people who gamble on top superior matches.

· Acknowledge your losses

No Matter how skilful you are, you should be ready to just accept your reduction with all the Same spirit in that you simply accept the victory. Afterall, it is a game. Winning And losing is now part of each and every game.