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Liposuction 101 - What is Liposcution?

jueves, 10 de diciembre de 2009

Liposuction 101 - What is Liposcution?
‘Thin is in’ – this is the principle by which the modern world defines beauty today. And as much as we lament the fact that we have to deprive ourselves of all our favorite food just to be beautiful, the standards won’t change – at least, not any time soon.

Unfortunately, the amount of time and effort that we really have to put into becoming thin is oftentimes too excessive, so much that it might even border on masochism. Fortunately, modern medicine has found a way to make us beautiful without having to pass through the torture of strict diets and strenuous exercises. The shortcut is, of course, liposuction.

Liposuction Defined

Liposuction is a surgical procedure that removes fat deposits from the body. It is done to provide shape and form to the body and to bring it closer to the textbook definition of ‘sexiness’ in this metropolitan world. It’s not really done to cure obesity or anything like that. It’s designed to remove flab and make people look sexy.

The Process

Another good thing about liposuction is that it’s not as scary as its predecessor, the tummy tuck. You won’t be waking up with a big scar across your abdomen, that’s for sure. You see, in liposuction, only tiny incisions are made. They just need to be big enough for the vacuum-suction canula – a hollow instrument just about as big as a pen – to fit. An ultrasonic probe is then used to emulsify or to break the body’s fat deposits. Once done, the fat is then suctioned or siphoned through the tubes, which create tiny hollow tunnels where the fat once was. After a while, these tunnels will collapse and the body will have its desired contour.

The parts of the body that undergo liposuction are the abdomen, hips, calves, thighs, arms, back, neck, face, and the buttocks. Most of the time, these procedures are done all in the same day.

Liposuction is not used purely for cosmetic purposes, however. Liposuction is also done to treat gynecomastia, a condition wherein a male’s breasts are abnormally large. It is also used to treat Lipomas or fat tumors.

Indeed, liposuction is one of the most commonly done procedures today. It’s quite popular, especially with people who desire to be beautiful and sexy on the outside. Think of it as a procedure that removes fat and thus boost your self-confidence.

Liposuction in New York City is perhaps one of the best places in the world to undergo your surgery due to the expertise of area surgeons.

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Who is a Good Candidate for Liposuction?
Apparently, ads for plastic surgery are as prone to exaggeration as any other. If you’ve seen the ads for liposuction, those that promise beauty and sex appeal to anyone who wants it, you’ll know what I mean. Liposuction, which is essentially a shortcut to getting a good form, is not a shortcut that everyone can take. You can think of it as a door to sexiness – a narrow one in which not everyone will fit – not those who want to be sexy the most, anyway.

Perhaps, to know who the good candidates for liposuction are, it’s probably best if you find out who aren’t qualified first.

Bad Candidates

It’s ironic; you’d think that a surgery for sexiness would be best suited to those who need it the most. But with liposuction, that’s not the case at all. Obese people cannot undergo liposuction for the simple reason that liposuction is not a surgery for the removal of fat. It involves removing fat deposits, yes. But liposuction is more for the provision of form.

It’s a surgery for people who have excess fat on some parts of their body but are relatively still within the right weight range. That liposuction will cure obesity is one of the most common misconceptions, and often causes a lot of disappointment.

Diabetic people are also poor candidates for liposuction. In fact, they’re poor candidates for just about any type of surgery because operating on them is rather risky. Diabetics are discouraged to undergo any surgery, unless it is absolutely necessary. And liposuction, of course, is out of the question.

Smokers, too, are poor candidates for liposuction, for the same reason as diabetics.

Good Candidates

One concrete way to determine if you’re a good candidate for liposuction is to check your ideal body weight. There are calculators for IBW all over the net; all you need to do is to know your height and weight. If you’re 25 pounds from your IBW, then you’re considered as a good candidate.

The people who can undergo liposuction, therefore, are those who are relatively healthy and those who have realistic expectations. Liposuction is by no means a cure-all solution. Oftentimes, you’ll have to supplement the operation with exercise and a proper diet afterwards. You can’t exactly go to the clinic each time you gain weight, so you have to be disciplined if you want to maintain the form you get after the liposuction.

Article by Liposuction New York City Guide

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Cost of Liposuction
When it comes to deciding about liposuction, the question isn’t “Do you want to be sexy?” The answer to that would probably be a very obvious and very resonant “YES!”. The real question is, “Can you afford it?”

Indeed, beauty doesn’t come cheap. The cost of cosmetic surgery is exorbitantly high, and for good reason. A good surgeon is hard to find, especially with the number of fakes, frauds and swindlers running around the market these days. And if you do find a clinic that offers liposuction at a low price, you’ll have to ask yourself if it’s really smart to accept a discount from someone who will use a knife on your body.

Say No to a Discount

You see, if you put your trust on an inexpensive clinic, you’ll be running the risk of doubling – even tripling – the amount of money you’ll have to pay if the doctor messes up. Some of these surgeons who don’t have the right credentials might actually ruin your body instead of make it beautiful.

The inexperienced surgeon could either overdo the whole suction thing and warp your curves, or do so little that you’d think you didn’t have liposuction at all. Or worse, they could make your curves uneven, leaving you with unsightly dents on your skin and scars that are too conspicuous. And if that happens, you’ll either have to go to a proper surgeon to get your body fixed or be disfigured for the rest of your life.

It’s best to just skip the drama and go to a proper doctor with a good reputation even if it might mean paying a little more money than you would want.

But if you really want to go to a low-end clinic, then it’s up to you. I personally recommend a high-end one. Or you can always go to a clinic that’s somewhere in the middle – that would be a rather prudent choice.

The Actual Cost

Now, if you do decide to get liposuction, know that you’ll be paying for everything from the smallest of sterile cotton balls to the actual doctor’s fee. There’s the non-surgical fee which includes the cost of the operating room, the medical staff, the laboratory tests, and the supplies. Surgical fees, on the other hand, refer to the amount you pay to the surgeon.

The surgical fee would actually vary depending on the body part. The abdomen and thighs are the most expensive, ranging from as low as $1000 to as high as $8000. While parts like the buttocks and the arms could range from $1000 to $5000.

Why Get Your Master’s Degree Online?

In order to attain the work promotion you deserve, you might need to improve your level of education and training. A fantastic way to do so is by taking classes online. You can earn your Master’s degree online. This innovative way to gain credentials and prestige for your professional and personal development can help you obtain a valuable graduate degree and offer a greater array of career opportunities.

The advantages of attaining a Master’s Degree are numerous: to begin with, higher pay and ultimately far more interesting and satisfying job responsibilities. Getting your Master’s degree online can arms you with the ability for your career to skyrocket. Today, there are quite a few online Master’s Degrees programs available. These are important for those hoping to climb the ladder within the organization or even for those looking for greener pastures outside. These are also good for those who feel they are stagnating in a particular job and hence want to move further. As far as flexibility and convenience go, these online colleges are among the best you can get. Based on your ability, you can even go for the accelerated degree programs offered online, so you get your degree sooner. Part-time graduation courses are also offered by a lot of colleges online.

Searching on the internet for online education opportunities provides many benefits not available to students in a traditional classroom setting. There is no commuting when you take courses by internet, and it really doesn’t matter where your school is located. It is also easier to get your advanced degree online if you are an older student who has "stepped out" for quite a while in favor of working full time. It’s easier to set up a convenient routine, and there’s no feeling of pressure to keep up with much younger classmates.

If you have a full time job and/or a family to take care of, it is a great deal easier to fit internet Master’s courses into your already busy schedule. If the classes you want require you to attend at a specified time, you can always opt to enroll in sections that meet at night or during the weekend.

Many excellent, accredited universities can be found online, offering quite a few types of programs and areas for further study. Colleges and universities may supplement their traditional campus programs with even more online courses, or they may exist as online-only schools. Today, most traditional institutions of higher learning also offer some online learning options to remain competitive. Either way, you can obtain advanced degrees in business, nursing, health care management, information technology, education, liberal arts, or many other fields.

Financing any sort of college degree can end up being fairly expensive, but your return on that educational investment is remarkable. Even though graduate tuition is typically far pricier than undergraduate tuition, keep reminding yourself how many high-earning professionals have advanced degrees. Even at the graduate school level, you can still qualify for student loans, grants, and scholarships. You just need to check with your school of choice, since certain types of aid require certain qualifying requirements such as full-time student status. Many employers may also willingly pay for all or some of an employee’s higher education tuition, as part of a good company investment in its people and its organizational future.

Although many people believe that Online Masters Degrees are inferior to Masters Degrees that were obtained through traditional classroom settings, that assumption is not necessarily true. Excellent online programs can offer comparable opportunities for producing group work, utilizing both interpersonal communication and independent study. Additional self-motivation and self-discipline may be needed for students to complete a degree online, but the time management skills that they finely hone in the process can prove advantageous. Their high degree of comfort with cutting-edge Internet technologies can also prove advantageous. Online attainment of your Masters Degree can be both valuable and convenient for broadening your career horizons

AIG insurance

An accident three years ago left Gloria Cirolo-Wright so injured that she couldn't continue with her job as a nurse. Today, the 57-year-old Massachusetts woman and her husband, a maintenance supervisor, rely on a weekly worker's compensation check from AIG to help make ends meet.

As AIG struggles to survive, consumers who have purchased AIG insurance policies worry about the future.
(ABC News)AIG is one of the world's largest insurance companies, with operations in 130 countries and products that include worker's compensation, auto insurance, life insurance and annuities. Now, as the company struggles to stay afloat amid losses related to the country's mortgage crisis, Cirolo-Wright is one of many customers questioning whether her benefits are in danger.

"I'm really worried that if AIG is going bankrupt that means that I won't have any source of income at all," she said. "I'm totally disabled. … I'm just so scared I don't know what to do."

Exactly how worried should AIG customers be?

The insurance giant so far has defended the health of its multiple insurance businesses.

How to Get Bill Consolidation Loans With Bad Credit

get bill consolidation loans with bad credit - Some of you with bad credit are looking into bill consolidation loans to lower monthly bill payments. Its possible! The following article will give you steps on getting a bill consolidation loan even if you have bad credit.

Step 1
The first step to getting your bills consolidated with a loan is to get all of your monthly bills in order. Any bill that has a balance and an interest rate you need to use. Make sure you have your last monthly statement for each bill and make sure they contain the total amount owed, your interest rate and your monthly payment.

Step 2
Once you have all of your monthly statements put together you need to find a bank or credit repair shop to give you a loan. A good place to look if you need cash immediately is http://stought.com/banking.html This website list most major banks and instant cash companies for those with bad credit.

Step 3
There are some companies that also counsel you on spending habits and receive federal funds to help consolidate bills for those with both good and bad credit. If you go to google and search for "bad credit loan consolidation" you can see many options here. A few major companies I recommend are in the resource section below.

Step 4
Make sure you bring all bill statements when you go for a meeting so they know exactly what they are working with. The more you tell the adviser the better they can assist you.

Personal Debt Consolidation and Credit Card Debt Help

Personal Debt Consolidation and Credit Card Debt Help

Debt consolidation can be approached a variety of different ways. In recent years, homeowners looking for personal debt consolidation would usually turn to a mortgage broker or a bank to use the equity within their home for debt consolidation. This practice of homeowners looking for credit card debt help and using home equity to consolidate their debts has landed them in even more financial difficulty if unable to keep up with their new mortgage payment or rising interest rate.

The Federal Trade Commission defines Debt Consolidation as: “you may be able to lower your cost of credit by consolidating your debt through a second mortgage or a home equity line of credit. Remember that these loans require you to put your home as collateral”.

If the FTC is raising consumer awareness about the risk with this method of personal debt consolidation, requiring you to put up your home as collateral on your unsecured debts, it may be a best practice to evaluate all of your debt consolidation options before making that decision. Over 40,000 people have used our Free Consultation to evaluate their options and make an informed decision about what type of debt consolidation is appropriate for their financial condition.

If you need credit card debt help and feel that debt consolidation by using your home equity may not be the right fit for you then please give our office a call and speak with someone that can show you other personal debt consolidation options that don’t involve using your home as collateral.

A no interest credit card is ideally the kind of credit card everyone wants. Who wouldn’t want to be able purchase items and not pay any monthly interest fees even on high balances? Most people would be switching to a no interest credit card right now if that was all that was involved. Best credit card rewards comparison programs can prove you wrong.

A no interest credit card may be the right kind of card for you if you are just starting out in the credit world and looking to establish credit. As long as you are fiscally responsible and pay off your monthly balances, a no interest credit card might be a perfect choice for you. It is important to take note that after the introductory period of anywhere between six to twelve months with no interest your interest rates will go up. Sometimes rates go so high that there is no way to manage if you are not paying off your monthly debts. Make sure to read the fine print and do not sign on or transfer to a no interest credit card if you are not aware of the exact change in interest rate as well as any hidden fees, annual dues or penalties for not paying on time or missing a payment.
There are of course many benefits of owning a no interest credit card. It is a great way to save money if you are trying to lower your debts without struggling to first pay off the interest. Many credit card companies also offer incentives such as rewards points. Every time you use your no interest credit card you accrue points. These points can be used to purchase merchandise, travel, stay at certain hotels, or can be traded in for cash rewards. Most no interest credit cards offer fraud and identity theft protection. You may find more hidden benefits with a little research into your no interest credit card.
Choosing one shouldn’t be a problem. As long as you have good credit history and pay your bills on time you should be able to choose from a variety of different lenders including Discover, Citibank, Chase, Amex, and Bank of America.
As credit card companies welcome new customers with the hope of making money on your higher interest rate once the introductory period expires, a savvy credit card shopper should be able to find a good no interest credit card that offers incentives, suits their needs, and helps them reduce their overall debt. You can find out more about 0 interest credit cards here.
0% Interest On Credit Card Balance Transfers | Credit Card Balance

0% Interest On Credit Card Balance Transfers They pay at the store for the Government should abolish the Federal Reserve and we could abolish the Federal Income Tax nor the extra taxes is that he’s to buy before 2009.
How To Transfer High Limit Credit Card
Business charge cards must be paid off in full every cycle, these business cards offer 0% APR, your regular Share Savings account is used to secure the loan and the most popular high limit business credit card offers featured on our site. The member has the card ofyou’re earning a 1 and Share-Secured VISA cards require a pledge, your Share-Secured loan would be 1.00.
Credit Card Help and News| A Low Interest Debt Consolidation Loan
This entry was posted on Sunday, February 8th, 2009 and is filed under 0 Interest Credit Cards, low interest credit card. You can follow any responses to this entry through the Comments Feed.
Business and Finance Loans: 4 Essential Interest Free Balance
Some of the credit card offer 0% on balance transfer but however do not do so on subsequent purchases credited on the card.

Benefits of a Clinical Psychology Degree Program

A desire to work in the Psychology field is a noteworthy endeavor. After all, Psychology is a helping profession, which means that the psychology practitioner reaches out towards others to help them in times of need. The profession can be quite rigorous, emotionally draining, and physically exhaustive. Yet, the benefits of helping others often outweigh these burdens. Because psychology is such a personally involved profession, it takes a very dedicated, mature, self-actualized individual to become a successful counselor. The prospective counselor must first learn to thoroughly understand themselves before they can learn to understand others. A Clinical Psychology degree prepares students to take on a variety of mental disorders, while also helping students to learn about themselves.

If your career endeavors involve Psychology-related services, such as counseling, social work, or psychiatry, then you will need to obtain an advanced level of education in Psychology. In many cases, a Bachelor’s of Psychology will not qualify you for the job of your choice. In order to move forward in the industry, you must seriously consider pursuing a Master’s degree in Clinical Psychology.

Although a Bachelor’s of Psychology degree will provide education on the various theoretical approaches, touch briefly upon various clinical or abnormal behaviors, and provide a broad-based informational education, students are rarely prepared in any way to work with others in the Psychology field. Likewise, the Bachelor’s degree does not help the student to learn about themselves in ways other than what is written in books. Often, students who begin a Clinical Psychology degree with the intention of becoming counselors learn enough about themselves to make wise career choices, choices which cannot be made with the limited Bachelor’s degree education. For example, a student may wish to become a Psychiatrist, which is the equivalence of a medical doctor, who is licensed to dispense psychiatric medications. However, during the course of their advanced studies, they may discover that they have a natural ability to personally and successfully counsel with others. Likewise, a student who wishes to work in a private counseling practice may find that, through a variety of practicum or internship opportunities, that they do not work well with the public. Therefore, the Clinical Psychology degree is of vital importance not only for state or local licensing requirements, but for personal growth, self exploration, and individual understanding as well.

Clinical Psychology, which is one of the many branches of Psychology, focuses upon the treatment, diagnosis, and causes of mental disorders in individuals. The Clinical Psychology field is quite large, and handles issues such as narcolepsy, phobias, insomnia, dementia, bipolar disorder, and other severe mental conditions.

Although there are a wide range of degree options in Clinical Psychology, most Master’s degree programs focus strongly upon ethical practices, treatment and diagnosis of mental disorders, theoretical treatment options, and a practicum or internship in the field. Course work could include areas such as patient ethics, research and experimental psychology ethics, treatment and diagnosis of psychological disorders, psychological statistics, research methods in psychology, and adolescent, child, and adult psychology.

According to the latest career outlook statistics, as provided by the Bureau of Labor Statistics, it is estimated that within the next ten years, the need for skilled, qualified professionals in the Psychology field will experience an increase of 18-26%. The greatest areas of need are anticipated within the private sector, in private companies, in substance abuse centers, in hospitals, and in public schools.

Argosy University offers two advanced Clinical Psychology degrees. The first, the Masters of Arts in Clinical Psychology, prepares students for careers in clinical and private counseling, mental institutions, business settings, and social services. The second degree, the Doctor of Psychology in Clinical Psychology, prepares students for the rigorous tasks involved in Psychiatry, Clinical Behavioral Pathology, leadership positions in mental institutions, and positions of prestige in the industry, among others. Both programs place great emphasis upon the development of counseling skills, knowledge, and development of the student in terms of essential attitudes for the successful professional psychologist. Individuals who hold an advanced degree in Clinical Psychology are also properly qualified for careers in psychology-related research, business, government, and educational settings.

Argosy University currently offers the Doctorate degree at Atlanta, Chicago, Dallas, Denver, Hawaii, Orange County, Phoenix, Schaumburg, Seattle, Tampa, Washington DC, Twin Cities, and the San Francisco Bay Area. The Masters degree is offered at all campuses except for the Orange Country location.

Debt consolidation: cure or continued credit problems?

Debt consolidation: cure or continued credit problems?

Interest rates haven't been this low for decades, tempting some consumers to take on additional debt to ease existing credit woes. The goal is to consolidate various higher-interest balances into one, easier-to-handle and less-costly package.

But be careful of what looks to be a quick fix.

"You're getting symptomatic relief, not a credit cure," says Chris Viale, general manager of Cambridge Credit Corp., a nonprofit credit counseling agency based in Agawam, Mass.

This fighting-fire-with-fire approach can take several forms. There are debt-consolidation loans, balance transfers to a zero-percent credit card and home equity loans or lines of credit.

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But, says Viale, 70 percent of Americans who take out a home equity loan or other type of loan to pay off credit cards end up with the same (if not higher) debt load within two years.

Viale's statistics underscore a major problem with debt consolidation: It feeds upon the tendencies that got you in trouble in the first place. By taking on yet another creditor, you're adding the proverbial fuel to the fire. In this case, it's your money that's burning.

Plus, if you've taken on so much debt that you're looking for more as a solution, chances are you won't qualify for the very low interest rates you see advertised. Those generally go to people with stellar credit ratings.

However, if you're at the end of your credit rope or swear that this time you'll be more disciplined, debt consolidation may be something to consider despite its risks. Here are some popular forms of debt consolidation, how they work and a look at their pros and cons.

Home equity loan or line of credit

Home equity lines or loans often are touted as a quick and easy way to get out of debt. By leveraging your residence's value, the pitch goes, you can get money to pay off other bills and a tax break, too.

But borrowing against your house can backfire. The biggest risk: You could lose your home if you default on the loan.

"Some hardship occurs and now they have double the debt and if it's secured by their home, they could lose it," says Diane Giarratano, director of education at Garden State Consumer Credit Counseling in Freehold, N.J.

And while equity loan interest generally is tax deductible, it could be limited in some situations. Even when it does provide a tax break, Cambridge's Viale says "that doesn't mean it makes fiscal sense."

Giarratano agrees. "Banks will tell you how much you can borrow," she says. "That doesn't mean you should borrow the total amount, but that's what people do."

Still, a home equity line of credit or loan to pay off creditors can work for some debt-burdened homeowners. Just be sure to do your homework to guarantee that the home equity dollars and cents make sense. This Bankrate calculator can help your determine whether borrowing against your home's equity is a wise move.

Zero-percent credit card

What about people who don't own a house? In these cases, many turn to zero-percent credit cards to reduce debt. Again, prudence and discipline are required.

Companies offer these rates as teasers -- enticements for you to switch credit card vendors. Much of the time, card companies target consumers with better credit, so that may leave someone struggling with debt without this option.

Even if you do qualify for a zero-percent or similar single-digit rate, it won't last forever. Make sure you know when it will end and what the rate is expected to jump to when it does.

The low rate also lasts only if you pay on time. One late payment and the credit card company will jack up the rate. Also look for hidden fees and charges that can increase the actual cost of credit.

"It's a short-term fix," says Viale. "The only way it works is if you are really meticulous about paying it and stay on top of it and then move onto another credit card before the low interest rate expires."

Opening new credit card accounts every six months, however, could negatively affect your credit rating, he cautions.

And to successfully lower your debt load, you'll need to pay far more than the smallest amount the card company will accept, especially after that zero rate disappears. "Paying the minimum for a $20,000 debt won't cut it," notes Viale.

Bankrate's minimum payment calculator illustrates Viale's assessment. Say, for example, you transferred $20,000 of other debt to a zero-percent card and paid $1,000 on it by the time the rate jumped to 14 percent. If you make only the minimum monthly payments, it will take you 1,134 months -- or 94.5 years -- to erase your remaining $19,000 balance. If you live that long, you'll pay $64,805 in interest. And that's presuming you don't charge another thing during that time.

Debt consolidation loan

Did the credit card computations scare you into looking for another option? There's always a debt-consolidation loan. Offers for these financial products are an e-mail box staple. Chances are you get a dozen or more everyday suggesting this as the solution to your growing debt problem.

A major appeal of consolidation loans is convenience. Instead of paying 20 different creditors who are charging different rates at different times of the month, you take out one big loan and pay off all those accounts. Then you make a single payment on that loan once a month.

But ease doesn't automatically translate to savings.

Before you sign on the dotted line, be sure that the costs of the new, bundled loan will truly be less than what you're already paying various creditors. For many consolidation-loan candidates, their current credit woes mean they won't get the lowest-available interest rate. Plus, when there is nothing to secure the loan (such as your home), expect the lender to bump up the rate.

Calculate interest and fees on all your existing accounts to determine the total of the payments you now make. Then compare those amounts with the consolidation loan numbers to make sure it truly is a better choice.

And, as with any product, shop around. The bank down the street may offer an attractive loan rate, but a check of your local credit union could turn up better terms, says Deborah McNaughton, author of "The Get Out of Debt Kit."

"Credit unions also tend to be more lenient than the banks," adds McNaughton.

Managing, not adding, debt

Viale is a much bigger fan of debt management, which isn't a surprise since he heads up a debt management firm. But McNaughton and other experts also point to credit counseling instead of shifting debt as the way to go.

They favor debt management because it costs less and is quicker than a debt-consolidation loan. Viale says someone owing $20,000 would end up paying $6,000 to $8,000 in interest and fees and be debt free in four to six years by using a credit counselor. If that person took out a 15-year home equity loan at 10 percent (because his credit wasn't good enough to get him a lower rate), Bankrate's loan calculator shows he'd end up paying $18,686 in interest on top of the twenty grand he borrowed.

But if you just can't get a handle on your bills by yourself, you should explore credit counseling. Getting professional help in managing your debt can help you change your credit behavior. People that have taken on too much debt tend to go into denial; they'd rather not know how much debt they owe. A professional debt manager will make you face up to your obligations.

Credit counseling agencies also force you to stop racking up debt. In exchange for consolidating your debt and working with your creditors to reduce your payments, credit counselors require you to give up your credit cards.

Credit counseling, however, is not without its costs.

One downside is that your reduced payment plan will probably show up as a mark against you on your credit report. Even though your creditor agreed to the reduced payment, you technically did not pay your account as called for in your original credit agreement.

An even more costly potential pitfall is the disreputable debt counselor. As this Bankrate story points out, some credit counseling and debt-consolidation companies are only interested in making a quick buck on debt-ridden consumers. Some firms offer shoddy service at sky-high fees. Others are out-and-out scams.

To find a reputable firm, verify certifications or third-party registrations. Check with the Association of Independent Consumer Credit Counseling Agencies or the National Foundation of Credit Counseling to see if the service you're considering is a member of either group. Also ask the service for references and then confirm them.

Make sure that the debt management or credit counseling firm answers all your questions and that you have a firm understanding of how the process will work and what it will cost. If the company won't give you straight answers or you don't understand what's going on, don't sign up with that company

Chicago BOTOX®

Searching for a reliable Chicago BOTOX® physician? Check out Spa Girl's top picks for BOTOX® in Chicago. Not sure if BOTOX® is right for you? Read Spa Girl's Chicago BOTOX® FAQs.

Maybe you're ready to take the plunge or maybe you're just ready to start thinking about it. Whatever the case, it seems impossible to avoid the current BOTOX® craze. Celebrities from Madonna to Nicole Kidman are alleged to have.

What's the appeal? BOTOX® , an injectable that strategically relaxes facial muscles, which may ultimately banish wrinkles, has become on of the most in demand wrinkle-fighting treatments in society's scramble to beat the clock. Allegran, the manufacturer of BOTOX® , says that over one million people worldwide have been treated with BOTOX® since the drug's FDA approval in 1989. In 2002, the FDA approved BOTOX® for cosmetic procedures but doctors were able to use BOTOX® for cosmetic purposes before its FDA approval. In fact, injections of the drug have been the most popular cosmetic medical procedure in the USA since 2000

Golf tips for beginners

If you decide to learn golf, there are many golf basics you need to know from the start. But where to start, if you're a complete beginner? Well, there are several online resources of the Internet to help you with your golf basics.

Golf tips for beginners

The beginner can start to read some golf tips free golf on the Internet. Golf Tips for Beginners is a growing source you can visit for more information on all aspects of the game. The site offers articles and links to specific sections of the wave of information. Two useful resources that you can find links to a blog review for free golf videos and golf tips.

The base Golf Tips

Basic tips Golf articles can be found on the things you need to know to get started. There currently are 8 articles on the basics, starting from the evaluation system, and then choosing the right golf equipment, different types of Shots Golf, Golf and the rules and etiquette.

Gulf Resources

There are a number of carefully selected resources on golf golf tips for beginners. You can find PDF eBook written especially for the beginner golfer, golfers and high-level woman golfer. Also provides links to the best golf balls and golf courses for beginners.

Golf Gear

There will clearly need some golf equipment golf begin. The basic elements are a set of golf clubs, golf bag, tees and balls. However, it is not essentially need to choose one of the first, you can rent out the golf courses. But if you are taking the game seriously, then invest in a good set of clubs, balls and a golf bag is elementary.

If you make the decision to invest in golf you will see that there are thousands of options. Most of the top golf manufacturers spend millions trying to buy their equipment. But hurry and not spend thousands of dollars for golf clubs, who can not make your game.

Preferably start with a good set of golf clubs are designed with the beginner in mind. Sometimes they are called game improvement clubs and are designed to be more lenient miss-hits. They can be adapted to your physical size and speed of swing, adjusting the club with the right type and shaft flex.

So, for your education courses, look at what the golf tips for beginners site has to offer. There will be more stories and reviews of golf courses added to the blog to help you understand what products are right for you.

How to Learn the Mental Game of Golf

How to Learn the Mental Game of Golf

You have probably read a lot of information about what you need to do to take your golf game to the next level. Most likely you have been swayed by adverts and bought the latest and greatest golf driver or balls. But have you seen any significant improvement?

It is time to stop believing all the myths that you hear from those big companies and their advertising campaigns. A perfect golf game is not just about having a great golf swing or buying the most expensive golf equipment.

The recreational golfer can sometimes benefit from learning from a good golf swing guide book or by using a specific golf training aid to cure a niggling golf swing fault. At my golf review blog, I have even recommended a few of these guides and products because they can help you with your golf swing. But to get the whole picture of what is needed to dramatically improve, you need to learn the mental game of golf.

First of all, I want to dispel some of the myths that say a perfect golf game can be bought, so let's review the facts:

25% of golfers back in the 1970's managed to break 90 and a smaller number could post scores in the 70's. 30 years have passed and we can now use over-sized drivers with larger and more forgiving sweet spots, wide sole and cavity back irons, and golf balls with 4 piece construction. So, how many golfers can today break 90? Well, from 25%, we have gone all the way up to 28%!

So after spending billions of dollars on new technology and advertising, the golf equipment business should be happy to know that the number of all golfers that have broken 90 has been increased by a massive 3%! Those billions don't include the huge investment made in the golf training aid or golf instruction industries.

So what is the missing ingredient that can promote the quickest and most lasting change in any golfer's game? The mental game of golf or the inner game of golf is the key to improvement. Interestingly, this is the only area that doesn't cost a penny to use, however hardly anyone uses it.

The golf mental game - using your mind in a deliberate, orderly, and focused way is the surest manner for lowering your score card. There are several areas of the mental game of golf that you can explore, like:

-Using your imagination to win

-Using your imagination to win

-Controlling your attention

-Finding your game and playing within it

-Curing anxiety and golf nerves

-How to develop clear focus and mental toughness

-Developing clear focus and mental toughness

Hopefully you will now understand the importance of using the mental game of golf and start using it in your game. Accepting and using the inner game of golf techniques is what differentiates the top 5% of golfers from the rest of us. The top golfers know about and use powerful goal setting processes, advanced visualization techniques that improve every area of their game, mental imagery processes, and how to enter the "Zone."

There is no doubt that golf is an intricate game and so there are many areas that you need to perfect and work on. The first thing you need to use is the right (not the most expensive) golf equipment for your game. You can then practice and improve your golf swing technique, and maybe work on your golf fitness training. But if you truly want to take your golf game to the next level and break 90 or even 70, you need to master the mental game of golf.
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