23.02.14 / Uncategorized / Author: admin / Comments Off
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Choosing the Right Plastic Surgery Consultant
Weve all heard horror stories of plastic surgery gone wrong, and often thats enough to put people off for a lifetime. But, it doesnt have to be. There will always be rogue surgeons and clinics just as therell be rogue workers in every profession,lida meizitang botanical slimming capsules reviews, but if you spend the time to look and do your research youll be able to find someone you can rely on.
Thats probably the most important point of all research. You need to check the credentials of your potential cosmetic surgery clinic as well as those of the surgeons themselves, ensuring that everyone involved is full qualified and experienced in the area. They should have plenty of happy customers behind them to ensure your satisfaction, and always see if you can find reviews and recommendations to give you added peace of mind.
Of course, you need to make sure that they can offer the necessary procedures as well. While most clinics will be conversant in all appropriate surgeries some will undoubtedly have their specialities,lida meizitang botanical slimming capsules reviews, so make sure to do your research to ensure youre getting the best surgeon you can for your chosen procedure. Always make sure that your consultant can do the job,lida meizitang botanical slimming capsules reviews, and never accept anything less than the best its your life on the line,lida meizitang botanical slimming capsules reviews, so its important to make sure youre getting the best service that you can.
If youre looking for a clinic thats well-respected and trusted in the field and with surgeons that are known for their credentials and professionalism, then you need to see what botonics can offer. Located in the infamous Harley Street their clinic and individual surgeons are renowned in the plastic surgery field and are sure to be able to help, so make sure to get in touch and youll be well on your way to finding the surgeon thats right for you.
20.09.13 / Uncategorized / Author: admin / Comments Off
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Credit Card Minimum Payments on the Rise
The minimum payment on next month�s credit card bill could be almost double what you were required to pay this month due to the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. How will higher credit card minimum payments affect your family�s finances, and can your mortgage advisor help you avoid financial hardship or even bankruptcy through cash out refinancing, a second mortgage, or a home equity line of credit?
Credit Cards can be powerful financial tools when used properly. However,lida meizitang botanical slimming capsules reviews, if you�re like 35% of our fellow Americans, you are only paying the minimum payment each month, at least according to the Federal Government Office of the Comptroller of the Currency. Federal regulators are currently pressuring major banks, including major issuers such as Citibank and MBNA as well as the Bank of America, to increase their minimum payments so that consumers have a fighting chance of paying off their high interest credit card debts.
Today,lida meizitang botanical slimming capsules reviews, your credit card minimum payment is usually between 2% to 2.5% of the total debt on your credit card. If you were to pay the minimum payment every month today on $10,000.00 of credit card debt at 18% APR, it would take you more than 50 years, 601 payments in total, to pay off your debt, and you would pay an extra $29,000.00 in interest charges to the bank for the privilege of using their money.
By the end of March 2006, major card issuers nationwide will be increasing their minimum payments to effectively 4% of the total debt each month, which for the estimated 50 million Americans who are paying the minimum payment each month may mean that their credit card minimum payment will double. Regulators argue that by paying 4% credit card minimum payments versus 2% credit card minimum payments, you the consumer will be able to pay off your debts more quickly, if you can come up with the extra money each month! Taking the above example of $10,000.00 at 18% APR, you would be able to pay off your credit card debt with a 4% minimum payment in as little as 15 years, and you would pay less than $6,000.00 in interest fees to the bank. That�s a savings of over $23,000.00 versus a 2% minimum payment.
Sounds great right? Higher credit card minimum payments can help you get out of debt faster than lower minimum payments, but there is one catch. You need to pay twice as much every month. So if your minimum payment is currently $400.00, you�ll need to find another $400.00 per month just to keep up with the new minimums. Even if your bank does not increase your rates this coming month, it�s only a matter of time before they are drawn into compliance with the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 and your credit card minimum payments rise.
As you can see from the above examples, the government is onto something, paying off credit cards more quickly saves consumers a ton of money,lida meizitang botanical slimming capsules reviews, but it actually increases their minimum payments, making it unaffordable for the Americans who need this sort of protection the most. In fact, many of the people whom we�ve spoken to in the writing of this article would likely face bankruptcy after their savings were depleted with these higher payments.
But is there a better way? For homeowners there are some very attractive options available. A Cash Out Refinance, a Fixed Rate Second Mortgage or Home Equity Loan, or a Home Equity Line of credit from your mortgage broker is one of the most effective ways to stop paying high interest on credit card debt and to actually reduce your total monthly payments. For the average customer carrying $10,000.00 dollars of credit card debt at an APR of 18% their new higher minimum payment will be 400 dollars, and if they are like most customers they also have a car loan of $20,000.00 at 9.5% and pay about $450.00 per month, the typical savings realized by consolidating those debts with their mortgage or taking a second mortgage to pay them off can be 60-70% on their current unsecured or revolving debts, and even more savings come tax time through interest deductions available for mortgages.
Speak to a mortgage broker and you�ll find that you can borrow $35,lida meizitang botanical slimming capsules reviews,000.00 per month by refinancing with cash out, getting a home equity loan or second mortgage, or opening a home equity line of credit for as little as 200 dollars per month, or even less. Refinancing with cash out not only pays off your credit card debt and your car loan at the high interest rates associated with credit cards and auto loans, but also saves you over $650.00 per month in this scenario by lowering your total monthly payments. Yes, your mortgage payment will increase,lida meizitang botanical slimming capsules reviews, but your total monthly payments will actually decrease, putting $650.00 in your pocket each month. Use some of that savings to make at least one extra mortgage payment per year and you�ll pay off that mortgage even faster than you could the credit card debt at minimum payment levels. And you should speak to a tax professional as well, because while you cannot deduct credit card or car loan interest from your taxable income, in most cases you can deduct the interest paid on your mortgage from your taxes, which has the potential to save you thousands more over the life of the loan. This method is not for everyone, but if you are a homeowner facing financial constraints and the thought of your credit card minimum payments going up by up to double makes you shiver, it may make sense to speak with a mortgage broker and with your accountant about a debt consolidation refinance or a debt consolidation loan.