Financing

Saturday, March 20, 2010

Plastic Surgery Financing Options

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The economy has not hit the City of Houston quite as bad as it has hit some of the other major cities around the nation, however this is probably still a point in time where you have to watch your finances a little more closely than usual.

The plastic surgery or cosmetic procedure that may have been easy to find the money for a few years ago will take a little more work today. This is why it is a good idea to know all of your available options when it comes to financing a procedure that is so costly. We are going to talk today about the five main methods that people can use to finance these procedures.

1. Unsecured Loan - This is probably the least attractive option. This loan provider does not care about your credit. The interest rate is through the roof. You have a short amount of time, usually between 24 to 60 months, to pay it back. Unfortunately, this is the most popular option because it is so easy to get.

2. Credit Loan - This is probably the best option in a perfect world. They do check your credit history and credit score though to ensure that you are qualified for this loan. CareCredit is one of the most popular companies to provide this type of loan.

You can get you credit payments to as low as $50/month, however your credit score must be above 600 to get that sweet of a deal. If you have bad credit then you may need to look elsewhere.

3. In-House Financing - As the term indicates, this is credit supplied right through the place where you are getting the work done. Your plastic surgeon almost certainly has some options that you can take for financing through his office. This is the most convenient as it's all in one place, but it may not provide you with the most affordable option.

4. Place of Employment - A lot of people forget about this little secret. Most places of employment have options for you to create a flexible spending account. This allows you to set aside pre-tax dollars to cover medical costs. Check with your employer to see if this is an option that might be right for you. Make sure to verify that the money can be used for your specific procedure.

5. Credit Card - Most plastic surgeons in Houston these days will let you pay with a credit card. As if we don't already have enough items on our credit cards. This really is your last ditch option. Credit card rates are so sky high now that you would really be better off with any other option on the list. But, if all else fails, a credit card is an option usually.

So those are the financing options available to a patient, but there are some other key things to remember

Insurance Companies likely will not pay for the procedure.

Shop around for plastic surgery

Do not choose solely on price though

Make sure you have money for any post-op expenses

For more information about plastic surgery, go to Plastic Surgery in Houston.

Article Source: http://EzineArticles.com/?expert=Patrick_Allen

Labels: financing, financing options, plastic surgery financing

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Financing Your Education - An Investment in Your Future

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One of the biggest investments you can make, in terms of both time and money, is to invest in your own education because there is little doubt that getting a good education now can reap considerable rewards later in life.

But investing in an education these days is not cheap and finding the money to put yourself through college is not easy.

Many students are lucky and will have financial support from their parents or other family members, but this is not true in all cases.

Indeed, even where this is the case it is not unreasonable to expect the student to make at least some sort of contribution and to become a participant in the process. This will generally mean a combination of working a part-time job while attending school and also taking out a student loan.

Getting the money together for college can be a daunting process because we are talking about possibly having to borrow substantial sums of money which may take years to repay. So, what you need is some sort of plan.

Before you rush out and commit yourself to any college loans you should sit down and answer the following questions:

1. What can I do today to prepare myself to meet the cost of a college education? For many students it is a good idea to take some time out before going up to college to get a little experience of life and this also means that you have the opportunity to do some paid work and put some money aside to help offset your education costs.

2. Are their criteria which I need to meet in order to get financial support for my chosen course and, if so, what are they?

3. Does the school at which I will be studying provide its own "in house" financial support programs and, if so, am I eligible to apply for one or more of these?

4. What is the procedure for applying for financial support and what application forms do I need?

5. When should I apply for financial support? Are there specific deadlines which I have to meet and is there a "best time" to submit an application?

6. Will my parents need to give details of their financial situation in support of my application and will they be required to make a contribution towards the cost of my education for financial assistance to be approved?

7. What happens to the information which I, and possibly my parents, need to provide in support of an application?

8. What drawbacks are there to a particular loan? For example, will a particular loan preclude you from asking for additional loan funding from other sources?

9. Is there anything that I can do which will lower the amount of money I need to borrow but still allow me to attend the school I have chosen?

10. Are there things that I can do once at college which will allow me to cut costs and so reduce the amount I need to borrow up front?

11. Will I be able to work while attending college and, if so, what sort of work is available and what can I expect to earn?

12. What impact will the money that I am considering borrowing now have on my life once I have left college?

This is a long list of questions but it is vital that you sit down and think about them carefully when you are drawing up your plan to finance your college education. This is going to be the biggest investment you have made in your life to date and, if you get it wrong, you will have a millstone around your neck for many years to come.

However, if you get it right, your life at college will be a whole lot easier and you will be able to start your working life on a sound footing with debt which you are able to manage comfortably.

TheStudentLoansCenter.com provides information on all forms of college financing including advice on obtaining student loans with no cosigner to your application.

Article Source: http://EzineArticles.com/?expert=Donald_Saunders

Labels: financing investment, financing investment future, financing your education

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Understanding Equipment Lease Financing

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Equipment lease financing is any day a more feasible option than investing huge amount of funds in heavy machinery and equipment.

Trucks, Tractors, computers, fax machines and all types of equipment required for running an industry or business is available on lease. This concept helps to reduce the capital necessary to start a business.

Equipment lease financing requires the borrower to pay a specified amount every month to the manufacturer, dealer or lender whoever is the owner of the leased equipment.

Depending upon the nature of your business, you might be required to upgrade your equipment from time to time. This is especially important with computers and software.

Some lease agreements have a clause for such up gradation so there is no question of working with obsolete machinery for want of funds.

Moreover, the money spent on such lease can be treated as tax deductible business expenditure. A number of vendors and banks specialize in equipment lease financing. In fact obtaining an equipment lease is easier than getting a loan.

The mandatory checks on creditworthiness of the borrower etc are done but are more relaxed. A new business will find it easier to obtain a lease from a vendor than a bank.

Try to get a lengthy lease period if you are short of funds because the monthly rent will come down accordingly. An upfront payment is required which you need to check in advance to see if it can be reduced to some extent.

Is it possible to terminate the lease prematurely? Sometimes a pre closure fee will be taken from the borrower. There are also options like a cancellation clause which you can look into.

You can also try to purchase the equipment from the lender at the end of the lease term for a set price or at a fair market value.

You can try equipment lease financing when you are short on funds and would like to invest more on heavy equipments. Click here to know more about equipment leasing financing

Article Source: http://EzineArticles.com/?expert=Mary_Thomson

Labels: equipment financing, financing, lease financing

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What is Laptop Financing?

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Are you looking to purchase a new laptop, but do not have the immediate cash in order to make the purchase? You should definitely consider performing laptop financing in order to get your hands on a brand new 2010 notebook.

The reason why many people finance computers is because they do not own a credit card, or have already maxed on their current cards. This means that they do not have enough money to purchase a notebook and are stuck without having a computer.

A laptop has become a necessity for many people's lives. People use their notebooks in order to search for jobs because sending a resume to thousands of employers via an online resume is much more efficient than sending a resume through the mail.

Also, many people generate income from writing services online and need a portable computer in order to make money. Whatever the cause, it is essential that you obtain a notebook of some sort.

Laptop financing can be obtained through various sources. There are companies that allow people to finance a computer through their website. The only requirement is that you need to have some sort of income that can cover the installment payments.

Many companies even allow people with bad credit to purchase a new notebook. The benefit of these companies is that you can get a new computer and also build your credit history.

Another way to finance a laptop is to directly go to the manufacturer. Dell has a great financing program that allows consumers to obtain a computer through their laptop financing program. The interest rates are competitive and will allow people to even buy a notebook with the option to pay later (usually within 30 days).

For more information visit http://hubpages.com/hub/Laptop-Financing and http://hubpages.com/hub/Laptops-on-Finance

Article Source: http://EzineArticles.com/?expert=George_Samson

Labels: financing, financing laptop, laptop financing

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Manufactured Home Financing - Making Home Ownership a Reality

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Buying that first home is an emotional experience for everyone who goes through the process. For those first time buyers who are considering a brand new just built house a manufactured home can be a good choice.

This of course raises the question "is manufactured home financing the same as when buying a traditionally built house?" The answer is yes, the vast majority of banks and lending institutions treat factory built home the same as traditional stick built offerings. This makes attaining the dream of new home ownership a reality for those who can secure mortgage financing.

The first thing we need to understand is what exactly a mortgage is?

In the simplest of terms a home mortgage is the most widely used home buying financing option available to consumers today. It is a loan from any one of a variety of lenders that include banks, credit unions, and mortgage brokers for the specific purpose of buying a home.

The mortgage lender lends the money at a certain interest rate over a certain term (amount of time) during which the borrower makes payments according to the terms of the loan agreement; usually every month.

The terms and conditions stated in the loan papers are the rules that govern the mortgage throughout the length of its term.

The most important part of these is terms and conditions is normally the interest rate as it will ultimately be the major determining factor for the monthly payment and how much house one can afford. Most manufactured home financing loans offer a variety of options when it comes to how the interest rate will affects the terms.

The two most common types of mortgages are the fixed rate mortgage and the ARM or adjustable rate mortgage. Just as their names suggest the way they work are pretty straight forward.

The interest rate of the fixed rate mortgage remains the same for the term of the loan, ensuring that the monthly payment will not change until the loan is paid in full. An ARM works a little differently in that the interest can and will adjust at pre-determined dates.

This adjustment is based on current rates and because ARM's usually start at a very low rate it generally adjusts in an upward direction meaning higher monthly payments that can come as quite a surprise to many homeowners. Unless you are dealing with special circumstances it is recommended to avoid adjustable rate mortgages and stick with safer fixed rate financing.

The most important thing to consider when looking for manufactured home financing is your own budget and how those monthly payments will affect it. Remember that the collateral for that mortgage is your home.

Stretching your budget too far to buy that "dream home" can create future problems with your finances leading to foreclosure proceedings. As long as you stay realistic with your finances a mortgage is the way to make home ownership a reality.

To learn more about manufactured home loans and financing please visit the website Manufactured Home Loans & Refinance by Clicking Here.

Article Source: http://EzineArticles.com/?expert=Andrew_Bicknell

Labels: financing home, manufactured financing, own financing

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