Tag: United States

Finances: How to Afford the Cost of a New

Finances: How to Afford the Cost of a New Home

Are you a woman who has the dream of owning your own home? If you do, you are definitely not alone. While a large number of women already own their own homes, there are even more who are looking to do so. Unfortunately, many women mistakenly believe that they cannot afford the cost of a new home. Yes, there are really some who may be unable to afford the cost of a new home, but, for others, it is actually a lot easier than it appears.

The first step in buying a new home involves examining where you would like to reside. This is important as it gives you an idea as to what the average asking price for homes is. This average asking price can give you an idea as to the amount of money that you would need to have. Since different areas of the United States have different real estate market conditions, this should be one of your very first steps. Once you decide where you would like to live, you can go about finding a home to buy, as well as get financing for that home.

Speaking of financing, there are many individuals who mistakenly believe that they need to have money, upfront, to buy a home. That is not the truth. In fact, in the United States, most women and men, use financing, provided by financial lenders, to afford the cost of a home. If you have yet to consider getting a mortgage for your new home purchase, this is the time to do so.

If you need to obtain financing to purchase a new home, your first thought may be to head on down to your local bank or a local home lending office. While this is more than possible to do, you may want to first request a copy of your credit report. Financial lenders will use your credit report to determine if you are a good candidate for receiving a loan from them. The cleaner your credit report is, the more likely it is that you will be awarded financing for the purchase of your new home. If your credit report is less than perfect, you may want to try paying off some of your old debts before approaching a financial lender.

Although a mortgage or a home loan can help you afford the cost of a new home, there are many financial lenders who first require a down payment. This down payment varies from lender to lender. It is common for mortgage or home loan down payments to be anywhere from $2,000 to $10,000. For many individuals, this is where the problem comes in. If you are wondering how you can go about coming up with the money needed for a down payment, you will want to continue reading on.

One of the easiest ways for you to save money for a new home down payment is by reducing or completely eliminating all of your unnecessary purchases. These unnecessary purchases may include a coffee, soda, or other snacks at work, dining out, a full cable television package, and so forth. Unfortunately, many individuals do not realize the importance of eliminating their unnecessary purchases, when looking to save money to buy a new home. Yes, you may only be able to save $20 or $50 a week, but it is important to remember that money can add up overtime.

Another way that many women work to come up with the down payment often needed to buy a home is by getting a second job or by requesting additional hours at work. While doing so may result in you having less free time with your family, it is a sacrifice that many women are willing to make. With an increased workload at work or a second job, even just a part-time one where you only work ten hours a week, you may be able to quickly come up with the down payment needed to acquire a home loan or a mortgage.

For many women, home ownership is an issue that they deal with in their life. The above mentioned approaches are just a few of the many ways that you can go about getting the home of your dreams.

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How to Find a Good Hair Transplant Surgeon

There is no law in the US that requires a doctor to have any special credentials to perform hair transplant surgery, other than basic licensing as a physician. This leaves many potential candidates for the surgery in the dark. It is difficult to know the difference between a good hair transplant surgeon and an inexperienced one.

If you know someone who has had hair transplant surgery, you have at least one person to whom you can go for advice. You will know from looking at their hair whether the job was done well. You can ask the person whether you were treated professionally. That person will also know how much the total cost was, and if there were any hidden fees.

You might not know anyone who has had a hair transplant procedure. In this case, you might go to the telephone directory. This is just a starting point. Many of the doctors who advertise there are simply trying to start up a practice in the field. They may have little or no experience. This is just a way to get names that you can check out.

When you contact a hair restoration surgeon, ask to see a portfolio of patients’ photos before and after hair transplant surgery. You should be suspicious if you are shown less than a dozen or so sets of pictures. This may mean the doctor does not have much experience to brag about. The pictures should be of good quality so that you can really see what kind of job was done.

Next, ask for names and phone numbers of patients the surgeon has treated. A doctor who has done many successful hair transplant procedures will have a list of people willing to talk about their experience. You can call each one and ask about how the procedure went for them.

Be aware that not all hair transplant doctors are scrupulous businesspeople. Many will try to fool you into believing they are more experienced than they are. Sometimes, they will try to make you believe they do better work than they do. They will show you pictures that are not true examples of their own work.

They might show you photos that they have taken using lighting tricks to make the hair look thicker and healthier than it is. It is often hard to spot such tricks, but knowing that some surgeons do them will help you to watch out for them.

You will get some good advice if you go to certain associations for assistance. The International Alliance of Hair Restoration Surgeons will give you information on surgeons that are affiliated with them. The American Academy of Dermatology is another fine institution that has data on hair transplant surgeons.

The American Academy of Facial Plastic and Reconstructive Surgery is known for supporting good cosmetic surgery, which hair transplant procedures are. Finally, the International Society of Hair Restoration Surgery deals exclusively with these types of procedures.

It can be quite difficult to find the right surgeon to do your hair transplant procedure. Do not give up. There are plenty of skilled surgeons who can perform these operations well. You just need to take the time you need to find them.

Osteoarthritis: Causes and Symptoms

Osteoarthritis: Causes and Symptoms
John Robben

Osteoarthritis: Cause and Symptoms

In our last article, we briefly discussed Osteoarthritis and
Rheumatoid Arthritis. This article will take a close look at the
cause, symptoms, and current treatment used for Osteoarthritis.
So let’s take a second look at what Osteoarthritis is.

Osteoarthritis is known by many as “wear and tear” Arthritis. It
is one of the most common forms of Arthritis and is the result
of cartilage wearing away from the joints. This cartilage is
responsible for the smooth gliding of joints, and once it begins
to deteriorate, the patient is left with pain, joint swelling
and inflammation, and even deformity.

Osteoarthritis patients usually state that their pain is
greatest during times of movement, and then lessens
significantly during periods of rest. Osteoarthritis affects
many more women than men. There is an estimated 24 million
Osteoarthritis sufferers in the United States and roughly 74%
are women.

The cause of Osteoarthritis is not known, yet doctors have many
suspicions. Some of the symptoms of Osteoarthritis boggle the
minds of scientists and more research needs to take place to
determine the actual root of the disease. For instance, X-rays
can tell that Arthritis is present, yet the amount of pain
reported by Osteoarthritis sufferers differs from the results of
the X-ray. Though many people refer to Osteoarthritis as the
“wear and tear” disease, evidence shows that this disease and
its mysterious cause are not as simple as that definition. In
fact, “wear and tear” does not take place in just one joint, but
affects joints simultaneously throughout the body. An example of
this, is that sufferers with Osteoarthritis of the knee, offer
suffer Osteoarthritis in the hand. Also, doctors have noted that
patients don’t suffer with Osteoarthritis on just one side of
the body (as would be expected due to wear and tear) but because
it seems to affect the body concurrently, it appears that
Osteoarthritis is a systematic disease affecting all of the
cartilage at once.

One suggestion is that Osteoarthritis is a result of cartilage
that has stopped functioning at optimum level. Cartilage is
continuously undergoing a process where it is broken down, then
rebuilt. Some theories state that this process becomes
unbalanced and out of hand. This is referred to as “End Stage
Osteoarthritis.” It is at this stage that joint pain and
impairment begin to manifest. There are many natural remedies
that show promise in the management of Osteoarthritis pain and
symptoms. Look for future articles in our Arthritis Series that
will offer natural remedies that may prevent enzymes from
damaging cartilage.

Some other ideas that point to the cause of Osteoarthritis
include:

Previous Sports related or Joint Injuries Genetically
Inherited (it appears that Osteoarthritis runs in families)
Repeated Occurrences of Bleeding into a Joint (as occurs with
Hemophilia and other diseases) Repeated Occurrences of Gout
and Gout like Diseases Avascular Necrosis- this is a condition
where blood near a bone is cut off, this leads to bone death as
well as joint damage. Avascular Necrosis typically afflicts the
hip joint. Previous Rheumatoid Related Illness- such as
Rheumatoid Arthritis can lead to chronic inflammation of the
joints. Osteoporosis-due to the high risk of bone fractures
and injury, Osteoarthritis may develop in joints. Metabolic
Disorders- for example, Hemochromatosis can result in high
levels of Iron being deposited in the joints Joint
Infection-It is believed that cartilage may deteriorate in
people who have defects in their cartilage and joints.

We’ve discussed the potential causes of Osteoarthritis, now it
is time to look at the various symptoms of Osteoarthritis.
The symptoms of Osteoarthritis include:

Joint Pain- this tends to be worse when rising in the morning
Joint Swelling and Inflammation- this occurs during periods of
activity Feeling a “Grinding” Sensation when a Joint is moved
Loss of Mobility and Flexibility

There is no sure way to prevent Arthritis in any of its forms.
There are however some things that you can do to help lower your
risk of developing Osteoarthritis or any other type of
Arthritis. Some of the preventative methods that you may add
to your lifestyle today include:

Maintain an Ideal Body Weight Take steps to prevent the
development of Osteoporosis. Some of these include taking
adequate Vitamin D and Calcium, exercising, and taking
medication if needed. Do your best to prevent injuring your
bones and joints -try to avoid accidents such as sports related,
implementing joint protection by using splints and braces.

About the author:
Written by John
Robben of Ultimate Water Massage, Inc. Providing Massage
Services and Pain Relief products. Visit our Arthritis Information
Center

Statistics for Lasik Surgery Patients

The Lasik operation can be a wonderful, life-changing option for many people whose vision is less than perfect. There are several different types of Lasik operations now available, from the original and well documented procedure to Lasik procedures done with three dimensional wavefronts, or done entirely with lasers. Each of these variations of the Lasik procedure should be discussed with the physician that is to perform the operation.
Like any surgery, Lasik does have the potential for side effects.

Sometimes reading the horror stories of the outcomes of a Lasik procedure can deter people from seriously considering such a choice. It is also true that the vast numbers of people who have a successful, trouble-free Lasik surgery tend not to report a long and detailed story of their experience, unlike those that have experienced trouble afterward.

However, it is good to know what the possible side effects of the Lasik procedure are, and also the likelihood that one of these side effects will occur for a particular patient. Just like any medicine we take, each has a possible number of side effects, but we generally assume that the likelihood of a serious side effect is small, and we take the medicine anyway. This article will hopefully put concerns of the prospective Lasik patient into perspective so that they can calmly and thoughtfully ponder having a Lasik procedure done in the future.

More than one million Lasik procedures are done in the US every year, according to the FDA. This arm of the national government has accumulated the following statistics for the most common side effects of the Lasik procedure. These statistics will also vary by the physician performing the surgery, so make sure to get as much information on the prospective Lasik physician as possible.

After Lasik surgery, 1.7 percent of patients experience some glare or sensitivity to light after the operation. This varies by patient, but this sensitivity is especially noticeable when looking at a bright light, such as a streetlight when walking at night, or other strong light and dark contrast. Another light related side effect is a halo around a light, and this occurs in 3.5 percent of Lasik patients.

The new, corrected vision can be noticed quickly by some Lasik patients, in as little as a few hours after surgery. Most patients that have undergone the Lasik procedure find the change is permanent within a few days. In 2.6 percent of clients that have had a Lasik procedure done, there is persistent visual fluctuation within at least a part of their sphere of vision.

Finally, some patients do not get a fully corrected sphere of vision after their Lasik procedure. This happens with a small number of clients, and the FDA statistics are that only 3 percent of patients have this effect. In all or nearly all cases, the physician in charge will perform an additional Lasik procedure to improve this.

This detailing of the major permanent side effects of the Lasik procedure should put any personal horror stories into perspective. Notice that none of the percentages are above 3 percent, and this should bring comfort to most prospective Lasik clients. However, it should also motivate them to look carefully at the Lasik physician’s personal record.