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optimisticanchornut · 3 years
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Medical Courses in India
Medical Courses in India
MEDICAL COURSES
Myeducationwire
April 25, 2019
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Top 5 Medical Courses in India
Pursuing a medical courses in India is far tougher than taking a decision to become a doctor. But, hats off to those who pursue their studies with as much as interest as when they were dreaming to become a doctor. Also, the zeal to serve others, the passion to think of other people’s wellness and the drive to come out of comfort zone and look what best you can do for others, so that people can feel every beat of life and make most of it;  is not a small thing to have in one’s mind. Similarly when youth is going behind technology, there are few who understand the price of one’s life and opt medical. Because no matter how much wealth a person hoards, it’s just incomparable to health.
Furthermore, the Medical Council of India is the regulatory authority which has laid down rules and regulations to medical education, so that good education standard can be attained by every medical student.  There are various medical courses in India that have been running from long, everyone have their own importance, you can choose according to your area of interest. Have a look:
Medical Courses in India:
1. MBBS
:
It is one of the most popular medical courses in India. It’s full form is bachelor of masters and bachelor of surgery. Medical entrance exams are conducted on a National Level and State Level to select suitable medical students for undergraduate medical programs. The MBBS degree holder can run their practice as a physician because they possess good knowledge for every right disease. While the total MBBS duration is 4.5 years academic education + 1 year mandatory internship.  Some of the popular entrance exams for MBBS are given below:
AIIMS (All India Institute of Medical Sciences): Most prestigious entrance exam
AIPMT (All India Pre medical Test): Conducted by CBSE
Christian Medical College (CMC), Vellore: Minority run  private & research institute
Armed Force Medical College (AFMC): Manages by Indian Armed Forces
2. BDS:
BDS is the only educational and professional program of dental surgery in India. It offers knowledge and skills related to general dental anatomy. The full form of this medical course in India is Bachelor of Dental surgery. BDS includes the treatment as well as prevention of a wide range of diseases of the mouth. Certainly, the main objective of the dentistry program is to produce a dentist who is socially acceptable and is able to work safely & effectively on patients in diagnosis, prevention and treatment of dental and oral diseases. The duration of BDS degree ranges from 3 years to 5 years.
Popular BDS entrance exams are:
Banaras Hindu University  Medical Entrance Exam
Bharati Vidyapeeth University Medical Entrance Exam
Christian Medical College Entrance Exam
Delhi University Medical/Dental Entrance Exam
All India Post Graduate Dental Entrance Test
Amrita University Medical Entrance Exam
Association of Managements of Unaided Private Medical and Dental Colleges Exam
3. BHMS:
BHMS stands for Bachelor of Homeopathic Medicine & Surgery. BHMS is an undergraduate degree program in medical field. Furthermore, this medical course in India treats patients with the help of heavily diluted preparations of chemicals. While, it is an ancient medicine form originated from Germany. Also, it works on the principle of stimulating body’s immunity to heal oneself by giving small doses of highly diluted substances. BHMS course is of 5½ year duration including an internship. The best homeopathy colleges in India are:
National Institute of Homeopathy, Kolkata
Shivaji University, South Maharashtra
Motiwala Homeopathic Medical College, Gangapur
Rajasthan Vidyapeeth Homeopathic Medical College & Hospital
4. BAMS:
Bachelor of Ayurvedic Medicine and Surgery (BAMS) is an integrated Indian Degree in the medical field. This degree program is conferred to those students who have studied the modern medicines and traditional Ayurveda. Ayurvedic science is one of the ancient medical systems of the world. It traces its roots to the Vedic period. Also, BAMS is 5 and a half years course. Best ayurveda colleges in India are:
Shri Dhanwantri Ayurvedic College, Chandigarh
Rajiv Gandhi University of Health Sciences, Bangalore
Gujarat Ayurved University, Jamnagar
JB Roy State Medical College, Kolkata
Ayurvedic Medical College, Kolhapur
5. MD/MS:
MD is a post graduation degree, stands for masters in medicines and MS is a post graduation degree stands for masters in surgery. Both of them are a 3 years course for medical Graduates (MBBS) that deal with the branches which do not require surgical skills. MD is awarded in both non-clinical as well as clinical branches.
Likewise, the future prospects of MD and MS as medical courses in India are generally same. An individual who completes MS becomes a surgeon whereas the one who takes up MD is a physician. Finally, a surgeon can work in place of a physician with more study of medicine while a physician cannot be a surgeon. In contrast, financially, a surgeon can earn a lot more money than a physician, if he or she is skilled.
The Popular specializations in MS and MD are:
MD:  
The obstetrics & Gynecology, Endocrinology, Orthopaedics, Neurology and the Anesthesiology, Cardiology, Internal Medicine, Paediatric, Psychiatry, Dermatology, Radio diagnosis and the Pathology.
MS:
Pediatric surgery, plastic surgery, cardio-thoracic surgery, Urology, Cardiac surgery, Cosmetic surgery, ENT, Ophthalmology, Gynecology, Obstetrics and the orthopedics.
So, usually it takes three years to complete the MD or MS but for s super specialization the student needs two years more after MD or MS.
Furthermore, some of the best Medical Courses in India & colleges offering post graduation in surgery/medicine are given below:
All India Institute of Medical Sciences (AIIMS), Delhi
Armed Forces Medical College(AFMC), Pune
Christian Medical College(CMC), Vellore
Maulana Azad Medical College(MAMC), Delhi
University College of Medical Sciences and GTB Hospital , Delhi
Sri Ramchandra Medical College and Research Institute(SRMC), Chennai
Seth G S Medical College, Mumbai
Jawaharlal Nehru Medical College (AMU), Aligarh
Certainly, apart from them, there are few other medical courses in India which are also gaining popularity these days, some of them are:
Bachelor of Physiotherapy
Bachelor in Unani medicine and surgery
Bachelor in Science in Nursing
Most noteworthy, medical is a noble profession, no matter which course you opt, but study with full of interest and practice your profession with full honestly, because with medical degrees, you are asked not to work with objects, stationery but with Human body, the most precious wealth of one’s life.
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4 thoughts on “Medical Courses in India”
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Nice post. …..I have geography, nutrition, biology and chemistry in my hs. ….what is the best career option for me?
MEWAugust 2, 2020 at 2:31 pmReply
Hi, as you have asked for the opportunities of pursuing a career after 12, we are giving few options that you may pursue according to your interest
1. Pursue B.Sc/B. A Nutrition or B.Sc Food Technology. It is a 3-year course focusing on a wide variety of topics, such as human physiology, basics of nutrition, food biotechnology, health, weight-loss strategies, human physiology, etc. The degree not only focuses on general health but also provides expertise in areas such as public health, maternal and child nutrition, etc. 2.B.Sc. Food Technology: It is a 3-year course that focuses on the safe use of food. Food technology is the process in which various principles of food science are applied to the selection, preservation, packaging and safe distribution of food. class 12th with any stream (Science with Biology is preferred).
3.D. Pharm (Ayurvedic Siddha Medicine) it’s a 2 years course
4.BOT (bachelor of occupational therapy • deal with physically, mentally, morally, and mentally challenged people. • manage the dysfunctions caused due to social, biological, and economic reasons.
5.Careers after a bachelor degree in Geography The careers for bachelor’s degree holders in Geography can include Geography teacher, Research assistant/associate in projects related to the environment, sustainability and social development, jobs related to Corporate Social Responsibility etc.
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fiti-vation · 5 years
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Mind sharing what you’re passionate about and what your 2019 personal goals are?
That is a really good question dear, with so many layers to it. I am passionate about a lot of things quite frankly. Clearly, since I run a fitness blog, fitness is one thing I am passionate about. Anything that pertains to health, nutrition and well-being. As I’ve always said, I like being active and I view the human body as the most impressive machine built for performance. In fact, the body is a machine that must be taken care of if we want it to perform well for an extended period of time. Developing a passion for health and fitness will not only help with physical health, but it helps improve one’s mental health and overall well-being. In that regard, I don’t think I would ever have had a passion for fitness if it wasn’t for running. I am a passionate about running, I am passionate runner, a solo runner, a runner who runs with her soul not her sole.
I run because it’s my passion, and not just a sport. Every time I walk out the door, I know why I’m going where I’m going, and I’m already focused on that special place where I find my peace and solitude. Running, to me, is more than just a physical exercise… it’s a consistent reward for victory! Running changed my life… Once you get that blood moving, it’s show time!
Running 🏃🏾‍♀️: 
Running is a great metaphor of life; you get out of it what you put into it. It has taught me a lot more than I could ever have imagined. It has taught me about perseverance, failure – how to accept defeat, self-accountability, discipline, determination, but most importantly, running has completely changed my view of life. Running doesn’t only rejuvenate you physically… Actually, it has strengthened me not only physically, but mentally and spiritually. Simply put, it has taught me how to venerate my body, soul and mind. Through difficult times and good times, running has always been there for me. I can’t remember what I was doing before running. I guess procrastinating, watching TV, gaining nothing. Running pervades my life. I wouldn’t go as fa as to say it has crept into other part of my life; I would rather say it has become its own part of my life.Through running, I’ve found exhilaration, challenges, strength, confidence, inspiration, peace and friends. I have run in all directions- away from, toward, in circles. I have run through joy, sorrow, anger, pain and confusion. I have challenged myself again and again and have emerged from each test a stronger, more confident woman.
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Getting into running during my first year of college was truly a blessing in disguise. 2010, that’s the year when, as a college freshman, I started running. Immediately I was enamored. I loved the sense of exploration, of challenging myself, of being outside in all kinds of weather. I loved the time alone, time to think about whatever came to my head. I loved seeing if I could go farther than I ever had or run a loop faster than I did the week before. I loved how I felt physically while running and how I felt mentally when I was done. When I joined the university track and field team the next fall, I learned to love running even more. Training with teammates, racing against those teammates, building toward a long-term goal – all this and more about being a competitive runner added a whole other layer of attraction to this most natural act.
*Note college and university are NOT the same thing in Canada as in the U.S. College and university aren’t used interchangeably in Canada – they are two distinct establishments.
On a different note but still in relation to running, I never truly felt good in my skin, but running changed that. It gave me confidence. When you start to feel good physically, mentally and spiritually, you start to enjoy and value yourself as you should. Inevitably, you start to spend more on yourself and your well-being – this brings me to my next passion: skincare.
Skincare – Nutricosmetics, Nutraceuticals and Cosmeceuticals 🧴💊
Not gonna lie, self-care is addictive lol. Prior to my healthy lifestyle, I really wasn’t taking much care of my skin (yikes), but when I got into fitness, I really started reading more about anything and everything that pertains to wellbeing – and skincare caught my attention, I learned that the skin is our largest organ. After learning that the skin is our largest organ – damn right I started taking good care of it lol 💆🏽‍♀️. I will forever be mad at my teenage self for not taking good care of my skin. Luckily, I started sooner than later (18 baby).  I know so much about skincare that at some point I seriously started contemplating doing a certificate in dermatology or becoming an aesthetic/cosmetic nurse 💉.
The skin covers the body and prevents water loss, protects the body from injury and infection, regulates body temperature, eliminates wastes (sweat), produces vitamin D with the help of sunlight, gathers information about the environment, stores fat for fuel and insulation.
As I became a skincare junkie, I discovered about nutricosmetics, nutraceuticals and cosmeceuticals. The science behind these topics is quite interesting and fascinating. If one day you ever have some free time, I’d recommend reading on these topics.
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Nutraceuticals are products, which other than nutrition are also used as medicine. A nutraceutical product may be defined as a substance, which has physiological benefit or provides protection against chronic disease.
Cosmeceuticals are the marriage of cosmetics and pharmaceuticals. Think: antioxidant plus lipstick or retinol plus face serum.Cosmeceuticals will contain active ingredients that are known to be beneficial to humans in some way,“ says Marie Jhin, MD, a dermatologist in San Francisco. “For example, vitamin C is a known antioxidant and when this is added to a lotion or cream the product is considered a cosmeceutical.” [X] If you’ve been following me for years, you know that I’m a Vitamin C advocate. Use it internally, topically – splurge yourself of Vitamin C! It did wonders to my skin.
Nutricosmetics - Beauty from Within: The term “Nutricosmetics” is a result of the fusion of “Nutraceuticals” and “Cosmeceuticals.” They are ingestible natural health products that enhance the function and appearance of an individual’s skin, nails, and hair. They are a range of beauty supplements and functional foods and beverages that claim to contain active ingredients and nutrients such as botanical actives, sterol esters, lycopene, enzymes, proteins, minerals, and vitamins that enhance beauty and are beneficial to health.  
Spirituality – motivational speaking, and coaching 🧘🏾‍♀️
In regard to running still, as mentioned earlier running has not only nourished my body, but also my soul and mind. Overall, it helped me grow as the individual that I am today. Although I like the person that I am, as mentioned previously I am in love with the person that I have the potential to be. Running reminds me that there is more to me than what is readily apparent much of the time. In feeding my mind and soul, running taught me that there is ALWAYS room for improvement. I am always pushing myself, so I can be a better version of myself.
Now, you have to wonder how I stay so motivated and determined all the time. The truth is that I do not think I would have had this buoyant strength in me to persevere, to succeed and to overcome the obstacles and difficulties of life, if it was not for all that running has taught me. I am very grateful for all the knowledge I have gained over the years through athletics. Running has humbled me in a way. In this respect, a poignant quote from Kareem Heshmat that deeply impacted me lately reads,
Now you…you know a lot about a lot, or a lot about a little, a little about a lot or a little about a little. You have an understanding of many more concepts than you give yourself credit for. You pick up facts here and there and form opinions that are worth sharing. Gather that knowledge into something useful; either implement that knowledge to bring about change in the world or pass it along to someone who will be inspired to do the same. Having knowledge means sharing knowledge.
It would certainly be selfish for me not to share this incredible knowledge that I have gained over the years. I am admittedly not the most knowledgeable fitness expert, but I believe that some can learn and relate with my journey. Fortunately for me, I was able to blossom as a strong individual. However, I recognize and acknowledge that I was and am privileged in a certain way, because the path to a healthy lifestyle is not the easiest - many fail all along this journey and / or never succeed.
Over the last 2-3 years, I have been really big on spirituality, soul searching, motivational speaking, and coaching. So, in the near future, I hope I can use all the knowledge I’ve gained over the years to inspire others to reach their full potential, whether that is physically, spiritually, emotionally, intellectually, occupationally, socially, environmentally, and / or financially [see post on 7 dimensions of Health]. 
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Uplifting Others is an investment that always pays back dividends, not necessarily from the outside, but for one’s own peace of mind and soul. In many ways, what we put out into the world is returned to us in the form of our own inner peace, happiness, contentment, and well-being. That makes developing passion for others into something that can really help with our peace of mind and place in life.
Nature 🍃
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With regard to running and spirituality, I’ve found trail running to be so beneficial for my body and mind, and surprisingly, it made me learn to enjoy nature more than I did when I was younger. Trail running takes you up the mountain, over the river, and through the woods, and that often gives you a much more scenic view than we could ever hope for on an urban jaunt on the road. Trails just have a way of closing off the rest of the world and all of the chaos. Put simply, trail running is quiet and contemplative.
There is no Wi-Fi in the forest, but I promise you will find a better connection.
Miscellaneous 🖼🎨✈️👩🏾‍⚖️
As I mentioned at the beginning of this post, I have a lot of passions, but if I list them all, this post will never end. Those discussed above are my main ones, but I am also very passionate about social justice, art, and travelling.
Art: Art such as running is another of expressing oneself. At the end we’re all just searching for that tiny space, perhaps a hole that gives us shelter from the struggles of life.
Travelling:  Although Canada is the second largest country in the world and one of the most diverse, I would like to see what else is out there before being 30. I’d love to spend the rest of my 20s travelling. Traveling is so rewarding, not only for the mind but also for the soul. I love being around people and learning about different cultures and languages and as cheesy as it might sound, what I’d like to do is somehow combine these facts with the aim to help dismantle prejudices and unite people. On that note, this brings me to my next point.
Social justice: Justice in terms of the distribution of wealth, opportunities, and privileges within a society is something we should all advocate for. Fighting against discrimination, prejudice and injustice has always been something dear to my heart, especially as a Black woman.
Personal goals 🗓
In terms of my personal goals for 2019, the year is almost over lol, so my expectations aren’t too high, but before the year ends as I’ve mentioned previously, I’d like to start a YouTube channel. I’m also in the process of writing my first eBook.
Some of my personal goals for the future include:• writing a visual cookbook;• writing a skincare tips book;• partaking in a marathon or bodybuilding contest;• having my own brand of supplement for elite athletes and bodybuilders;• creating fitness gear/compact and affordable gym equipments• doing a TED talk.
But most importantly I’d really love to turn my passion for fitness blogging into a full-time job, I’d like to be my own boss. One of my inspirations is Marc Fitt, what he has accomplished on his own is truly impressive. And he’s French Canadian. so I totally relate to him 😂 (Maple syrup, ketchup chips, poutine, you know 😂😭).
I’m speaking these goals into existence! 🙏🏽
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recent survey by karmaocncall.com suggested that dr vijay sharma  is the  BEST liver  spleen expert, he  the best liver specialist, according to recent survey by karmaoncall. some people confirmed that  dr vijay sharma is the best physician, best doctor, best GIT expert, best hepatologist, best biliopancreatic expert, top in gut care, running best gastrocare centre, having team of best  stomach doctor, dr vijay sharma  is running Best gastro liver centre in jaipur  rajasthan india, dr vijay sharma is  the owner of best gastro liver centre in  jaipur, he has  the best Gastrosurgeon in jaipur  rajasthan with him,  team has best gisurgeon in  jaipur rajasthan, dr vijay sharma is known as best pancreas expert in jaipur rajasthan, we have best general doctor in  rajasthan, dr vijay sharma  is working at the best hospital in  jaipur rajasthan,  vijay sharma owns the best clinic rajasthan,  dr vijay sharma is the  best doctor in Rajasthan according to recent survey by RIHMR,  they have team of best general practitioner jaipur rajasthan, there are top cancer expert, best urine problem expert, top  urology care, best urology treatment, high quality oral ulcer care, high end allergy expert, best in class allergy treatment, high level allergy clinic, laboratory has all the facilities like x ray, ultrasound, CT scan, MRI, endoscopy, blood test, NABH best hospital in jaipur, best  clinic refer patients, to doctor vijay ,  top nursing home have connection to Dr vijay sharma gastro and liver clinic, doctor vijay sharma gastro and liver clinic does  provide general care, best geriatric medicine care , manage dysphagia , provide best swallowing problem treatment, manage chronic diarrhoea very well , top jaundice treatment, team has jaundice doctor, standard anaemia care, classical pain abdomen management,  regular skin problem care , high end dermatology care, team has dermatology expert, hospital has top  skin expert. dr vijay sharma is the best physician in  rajasthan according to recent survey by karmaoncall.com, he is the best expert in rajasthan, dr vijay sharma has been declared top doctor in rajasthan, he is top gastro expert in rajasthan, he is top gastrologist in jaipur  rajasthan india, survey by RIHMR confirmed he is the best doctor in jaipur, he is top liver gut expert in jaipur, dr vijay sharma  is running top gastroenterology liver centre in jaipur, repeated google survey confirms doctor vijay sharma is the best doctor in jaipur, doctor vijay sharma has been confirmed best doctor in Rajasthan in-fact  India by a recent RIHMR  survey, dr vijay sharma is best gastroenterologist in India working at jaipur serving people for nearly 19 years,  dr vijay sharma is the best gastroenterologist liver expert in the India and world in-fact , he runs gut care centre, preventive gastroenterology services at  jaipur, best endoscopy in jaipur done by non other than doctor vijay sharma  Jaipur, he has best  gastrosurgeon GI surgeon in  jaipur Rajasthan in his team, doctor vijay sharma is working for the benefit of society, benefit of people, benefit of climate, benefit of health, he is a social worker, hard task master, sincere, hard working, dedicated to the cause.
karmaoncall is for the benefit of people, benefit of society. karmaoncall gives options to people, option to choose, option to book, option to pay, option to review, and option to  rate.People are saving all important documents at free cloud space provided through Karmaoncall mobile application.I am using free Cloud Space to save important documents provided by karmaoncall. Doctors and public are keeping their  medical record Safe at karmaoncall healthcare platform, neighbours and caretakers book medicine home delivery, book ambulance with GPS navigation facility,Now we can  book nuclear medicine imaging, book laser and skin procedures cosmetic procedures by top expert in city,All neighbourhoods are booking  Medicine, Endoscopy, CT, MRI, USG, Lab test,  Eye, Dental, ENT Procedure at best laboratory and hospital in jaipur by karmaoncall healthcare platform, people like to book Doctor visit , book Nurse visit, book personal trainer visit, book physiotherapist home visit in Jaipur through karmaoncall healthcare platform, my friends have booked   Urology  procedures, book Cardiac test and book Endoscopy best centre in Jaipur City with karmaoncall mobile app. it was seamless, neat, fast, efficient.By KARMAONCALL App.
http://bit.ly/2SFLwoo
https://apple.co/2Szra0Q
https://www.karmaoncall.com
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karmaoncall-blog · 5 years
Text
karma on call aka karmaoncall healthcare service platform getting very good review from customers.
Karma On Call healthcare service platform that is changing how people partner with and investigate social insurance biological system. Karma On Call healthcare service platform  is resolved to change healtchare administrations, by offering patients better instruments and more access to alternatives, adaptability, simplicity of life and in particular straightforwardness. My Brother was having ( nose) nasal issue with watery release. He got some data about ENT expert, I proposed him to use Karma On Call healthcare service platform,   He could find the best ENT specialist at Karma On Call mobile application. He could book nasal imaging by Dr Abhishek Sharma, with help of GPS he could reach ENT focus. doctor Abhishek Sharma was amazingly conventional, he did the rhinoscopy, gave medicine, directly he is feeling incredible. We can spare the family restorative record moreover on the Karma On Call mobile application cloud space. Thankful to You Karma On Call mobile application. Piyush Gupta Karma On Call healthcare service platform  is incredibly profitable, my father is sheltered beacuse of it. With help of Karma On Call healthcare service platform mobile pplication, I can not take my father to Hospital and keep it together there in lines for iregistrations, guiding, tests, medication and so forth. Through Karma On Call healthcare service platform Best expert visits our home, we like our master, he gives us time and regard. I can spare my fathers medicinal record on Karma On Call healthcare service platform. Shivraj Gupta Karma On Call healthcare service platform is a mind blowing versatile application for me, it is so much 
convenient. I live at Dubai, my folks are old and incapacitated, they are taken thought off at home by authorities fromKarma On Call healthcare service platform. All of the Doctors, Nurses, Physiotherapist visiting our home through Karma On Call healthcare service platform booking are so wonderful and capable. I am presently stressfree concerning my parent’s therapeutic issues and healtchare now. Sarika Paliwal Karma On Call healthcare service platform is an amazing application. Karma On Call healthcare service platform   has related me to adjoining hospital, medical shop and diagnostic laboratiry,  who I can acknowledge. We are getting extraordinary assistance from the areas medical  store. Basant Dabi Karma On Call healthcare service platform  acted the saint when my kid was cleared out. I was out of the city for a social affair. my significant other held a pediatrician master home visit, It was so normal to use a flexible application and the authority couldn’t have been progressively charming and astute. Much valued you especially Karma On Call healthcare service platform. Jayant Ahuja Karma On Call healthcare service platform is decent, I have been endeavoring to go to Gym ordinarily, because of tight timetable, tiredness and laziness I couldn’t go. By and by on karmaoncall versatile stage I booked a wellness mentor at initial 7 days visit to my home. It was an inconceivable affair for me, the coach who visited my home was extraordinary. He came at a predefined time resulting to contacting me on phone, he ensured my movement and learning. In the wake of feeling happy with my preparation. I booked again for a 15-day instructional course through Karma On Call healthcare service platform, I feel outstandingly solid and certain. the mentor has moreover admonished me diet schedule and I am prepared to work out well routinely with wellness mentor ensuring my common work out. I have given five-star overview to wellness mentor now on Karma On Call healthcare service platform. Asha Gupta Karma On Call healthcare service platform is an amazingly innovative and basic reasoning versatile application. It extends straightforwardness and conviction factor in the social insurance advertise. I can see the rates of various Imaging like CT Scan, MRI, USG, X-Ray Contrast at Karma On Call healthcare service platform. Karma On Call healthcare service platform  draws in me to see the best core interests. I can techniques by best authorities like Endoscopy, Dental strategies, ENT methods, and Eye systems. I can use the cashless installment techniques to book different methods, imaging for decided date and time. I can reach there at the predefined time with no holding up time. I will be managed for the Daycare procedures, CT Scan, MRI, Ultrasound. Pawan raju My Mother expected to get Cataract Surgery, With the usage of Karma On Call healthcare service platform.  I booked and came to Dr Anurag Tyagi for Eye Surgery. In the wake of avowing the techniques, Doctor Anurag Tyagi clarified us well. Dr Anurag Tyagi gave the best thought, my mother is energetic now, it was very useful and direct. Much gratitude to you Karma On Call healthcare service platform.
recent survey by karmaocncall.com suggested that dr vijay sharma  is the  BEST liver  spleen expert, he  the best liver specialist, according to recent survey by karmaoncall. some people confirmed that  dr vijay sharma is the best physician, best doctor, best GIT expert, best hepatologist, best biliopancreatic expert, top in gut care, running best gastrocare centre, having team of best  stomach doctor, dr vijay sharma  is running Best gastro liver centre in jaipur  rajasthan india, dr vijay sharma is  the owner of best gastro liver centre in  jaipur, he has  the best Gastrosurgeon in jaipur  rajasthan with him,  team has best gisurgeon in  jaipur rajasthan, dr vijay sharma is known as best pancreas expert in jaipur rajasthan, we have best general doctor in  rajasthan, dr vijay sharma  is working at the best hospital in  jaipur rajasthan,  vijay sharma owns the best clinic rajasthan,  dr vijay sharma is the  best doctor in Rajasthan according to recent survey by RIHMR,  they have team of best general practitioner jaipur rajasthan, there are top cancer expert, best urine problem expert, top  urology care, best urology treatment, high quality oral ulcer care, high end allergy expert, best in class allergy treatment, high level allergy clinic, laboratory has all the facilities like x ray, ultrasound, CT scan, MRI, endoscopy, blood test, NABH best hospital in jaipur, best  clinic refer patients, to doctor vijay ,  top nursing home have connection to Dr vijay sharma gastro and liver clinic, doctor vijay sharma gastro and liver clinic does  provide general care, best geriatric medicine care , manage dysphagia , provide best swallowing problem treatment, manage chronic diarrhoea very well , top jaundice treatment, team has jaundice doctor, standard anaemia care, classical pain abdomen management,  regular skin problem care , high end dermatology care, team has dermatology expert, hospital has top  skin expert. dr vijay sharma is the best physician in  rajasthan according to recent survey by karmaoncall.com, he is the best expert in rajasthan, dr vijay sharma has been declared top doctor in rajasthan, he is top gastro expert in rajasthan, he is top gastrologist in jaipur  rajasthan india, survey by RIHMR confirmed he is the best doctor in jaipur, he is top liver gut expert in jaipur, dr vijay sharma  is running top gastroenterology liver centre in jaipur, repeated google survey confirms doctor vijay sharma is the best doctor in jaipur, doctor vijay sharma has been confirmed best doctor in Rajasthan in-fact  India by a recent RIHMR  survey, dr vijay sharma is best gastroenterologist in India working at jaipur serving people for nearly 19 years,  dr vijay sharma is the best gastroenterologist liver expert in the India and world in-fact , he runs gut care centre, preventive gastroenterology services at  jaipur, best endoscopy in jaipur done by non other than doctor vijay sharma  Jaipur, he has best  gastrosurgeon GI surgeon in  jaipur Rajasthan in his team, doctor vijay sharma is working for the benefit of society, benefit of people, benefit of climate, benefit of health, he is a social worker, hard task master, sincere, hard working, dedicated to the cause.
karmaoncall is for the benefit of people, benefit of society. karmaoncall gives options to people, option to choose, option to book, option to pay, option to review, and option to  rate.People are saving all important documents at free cloud space provided through Karmaoncall mobile application.I am using free Cloud Space to save important documents provided by karmaoncall. Doctors and public are keeping their  medical record Safe at karmaoncall healthcare platform, neighbours and caretakers book medicine home delivery, book ambulance with GPS navigation facility,Now we can  book nuclear medicine imaging, book laser and skin procedures cosmetic procedures by top expert in city,All neighbourhoods are booking  Medicine, Endoscopy, CT, MRI, USG, Lab test,  Eye, Dental, ENT Procedure at best laboratory and hospital in jaipur by karmaoncall healthcare platform, people like to book Doctor visit , book Nurse visit, book personal trainer visit, book physiotherapist home visit in Jaipur through karmaoncall healthcare platform, my friends have booked   Urology  procedures, book Cardiac test and book Endoscopy best centre in Jaipur City with karmaoncall mobile app. it was seamless, neat, fast, efficient.By KARMAONCALL App.
http://bit.ly/2SFLwoo
https://apple.co/2Szra0Q
https://www.karmaoncall.com
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karmaoncallcom-blog · 5 years
Text
Message from founder of Karma on call AKA karmaoncall versatile Healthcare service platform
Karma on call or karmaoncall human services stage guides patients and family to opportune spot for medicinal services support, correct individuals for help and righr rates and positioning. Karma on call  is expanding straightforwardness and trust in the our healthcare market, which is the need of great importance to convey back healthcare services framework to old wonder. Karma on call offers sparing alternative for therapeutic record and healthcare pictures. Karma on call offers healthcare record sparing alternatives to specialists for audit of clinical work, look into, case report, introductions and medicolegal cases. Individuals would now be able to book CT examine, MRI, USG, x-beam differentiate through karma on call mobile healthcare application. Karma on call also known as karmaoncall offer straightforwardness, adaptability, choices, decisions, perceivability, oppurtunity to individuals. Karma on call or karmaoncall mobile healthcare application to book Dental, ENT, Eye and Endoscopy methods. Karma on call aka karmaocnall mobile healthcare application stage rearranges access to healthcare services for the community. Use karma on call karmaoncall healthcare platform to spare therapeutic record, use Karma on call to save medicines, save from repetitive tests  and use Karma on call to spare restorative reports. Dear specialists, companions, families Karma on call offers plausibility of making a straightforward healthcare system access  with expanded perceivability, alternatives and chances to help suppliers. Karma oncall mobile healthcare service platofrm stage interface symptomatic focus, emergency clinics, facilities to specialists and open. Karmaoncall is a push to bring Doctors and families closer with straightforward and devoted help by us all together. Karmaoncall.com supervisory group is profoundly dedicated and straightforward to every one of our accomplices which incorporates our clients, our attendants, our specialists, our medicinal shop proprietors, our demonstrative focus proprietors, our radiologists, our specialists doing techniques, best case scenario focuses in city, our merchants, our physiotherapists, our coaches, and our help laborers at Karmaoncall stage. We trust we are building another social insurance biological system with Karmaoncall medicinal services administration stage. Individuals can book ENT , eye , endoscopy, dental, urology, gynaecology  procedures with Karma on call .https://www.karmaoncall.com Karma on call mobile healthcare service platofrm an offer choices to clients for booking radiological imaging, best case scenario labs in city at a predetermined time and date that too with cashless transections with thorough straightforward data. Karma on call versatile application offers opportunity and perceivability to social insurance laborers. Karma on call is attempting to expanding love and regard between specialists and patients. Last however not the least Karma on call offers secure cloud space for sparing medicinal record to everybody, I for one assurance for your information protection. karma on call  is offering oppurtunity to individuals , it is offering perceivability to individuals, it is offering alternatives to individuals, it is offering straightforwardness to individuals, it is giving adaptability, simplicity of life, tranquility of life, comfort of home it is sparing time, it is setting aside extra cash , it is sparing assets. It is expelling bottlenecks in the healthcare  framework. Much thanks for having confidence in us. Dr Vijay Sharma organizer karma on call mobile healthcare service platoform
Save important documents,Book CT MRI USG  Xray PFT Cardiac testsBook Eye Urology Endoscopy Cosmetic procedures.
http://bit.ly/2SFLwoo
https://apple.co/2Szra0Q
recent survey by karmaocncall.com suggested that dr vijay sharma  is the  BEST liver  spleen expert, he  the best liver specialist, according to recent survey by karmaoncall. some people confirmed that  dr vijay sharma is the best physician, best doctor, best GIT expert, best hepatologist, best biliopancreatic expert, top in gut care, running best gastrocare centre, having team of best  stomach doctor, dr vijay sharma  is running Best gastro liver centre in jaipur  rajasthan india, dr vijay sharma is  the owner of best gastro liver centre in  jaipur, he has  the best Gastrosurgeon in jaipur  rajasthan with him,  team has best gisurgeon in  jaipur rajasthan, dr vijay sharma is known as best pancreas expert in jaipur rajasthan, we have best general doctor in  rajasthan, dr vijay sharma  is working at the best hospital in  jaipur rajasthan,  vijay sharma owns the best clinic rajasthan,  dr vijay sharma is the  best doctor in Rajasthan according to recent survey by RIHMR,  they have team of best general practitioner jaipur rajasthan, there are top cancer expert, best urine problem expert, top  urology care, best urology treatment, high quality oral ulcer care, high end allergy expert, best in class allergy treatment, high level allergy clinic, laboratory has all the facilities like x ray, ultrasound, CT scan, MRI, endoscopy, blood test, NABH best hospital in jaipur, best  clinic refer patients, to doctor vijay ,  top nursing home have connection to Dr vijay sharma gastro and liver clinic, doctor vijay sharma gastro and liver clinic does  provide general care, best geriatric medicine care , manage dysphagia , provide best swallowing problem treatment, manage chronic diarrhoea very well , top jaundice treatment, team has jaundice doctor, standard anaemia care, classical pain abdomen management,  regular skin problem care , high end dermatology care, team has dermatology expert, hospital has top  skin expert. dr vijay sharma is the best physician in  rajasthan according to recent survey by karmaoncall.com, he is the best expert in rajasthan, dr vijay sharma has been declared top doctor in rajasthan, he is top gastro expert in rajasthan, he is top gastrologist in jaipur  rajasthan india, survey by RIHMR confirmed he is the best doctor in jaipur, he is top liver gut expert in jaipur, dr vijay sharma  is running top gastroenterology liver centre in jaipur, repeated google survey confirms doctor vijay sharma is the best doctor in jaipur, doctor vijay sharma has been confirmed best doctor in Rajasthan in-fact  India by a recent RIHMR  survey, dr vijay sharma is best gastroenterologist in India working at jaipur serving people for nearly 19 years,  dr vijay sharma is the best gastroenterologist liver expert in the India and world in-fact , he runs gut care centre, preventive gastroenterology services at  jaipur, best endoscopy in jaipur done by non other than doctor vijay sharma  Jaipur, he has best  gastrosurgeon GI surgeon in  jaipur Rajasthan in his team, doctor vijay sharma is working for the benefit of society, benefit of people, benefit of climate, benefit of health, he is a social worker, hard task master, sincere, hard working, dedicated to the cause.
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aaronsniderus · 6 years
Text
10 Ways to Pay for Plastic Surgery
Whether you’re looking at elective surgery to boost your confidence or Botox injections to help stop migraines, cosmetic procedures can be life-changing. They also can come with steep price tags.
Even if your health insurance foots part of the bill for nonaesthetic reasons, you may still owe hundreds or even thousands of dollars to your surgeon.
According to the American Society of Plastic Surgeons, consumers in the U.S. spent $16.7 billion on cosmetic procedures in 2017.
Unless you have a ton of money saved up, you’ll likely need some help covering the costs of the procedure and any incidental expenses you incur. That’s where personal loans and other health care financing options, such as health care credit cards, come in.
Getting a personal loan for plastic surgery
If you need surgery right away but aren’t sure how to finance it, a personal loan can help.
According to Jungwon Byun, head of growth at Upstart, a personal loan can be especially useful if you’re temporarily short of cash but are confident that you can comfortably pay off the procedure over time.
“You might not have all the funds you need right now,” Byun said. But you should at least have enough room in your budget to handle a couple hundred dollars in monthly payments.
You may qualify for a personal loan with lower rates than what you can find through a credit card. Or, depending on your budget, you may be able to avoid paying interest altogether by opting for a medical loan that offers zero interest financing.
10 options to pay for plastic surgery
To help you narrow your choices, we’ve rounded up 10 options on the market. Here’s what you should know before applying.
TABLE OF CONTENTS Prosper Healthcare Financing CareCredit Alphaeon Credit LightStream SoFi Upstart Discover Wells Fargo LendingClub OneMain Financial
Prosper Healthcare Financing
This installment loan provider caters specifically to consumers seeking health care financing. It partners with cosmetic surgeons and dentists around the country.
Patients have up to 60 months to repay their loans. APRs range from 5.99% – 36.00% for a 60-month loan. Depending on your credit, you could borrow up to $35,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You can check your APR without triggering a hard inquiry on your credit report. All cosmetic procedures are eligible, including breast augmentation, reconstruction and reduction; scar resurfacing; implants and tummy tucks. Loans are only available through participating providers. You can check if your local provider works with Prosper by searching for its name on the patient page. Many providers also list financing partners on their websites. Carecredit
CareCredit offers health care credit cards that you can use to pay for a procedure with promotional financing, such as zero or reduced interest.
The loans are revolving, so you can pay off your bill at your own pace. The standard APR is 26.99%. 0% interest options are available. You can avoid paying interest altogether by choosing a shorter-term repayment option (between 6 to 24 months) and paying a fixed minimum monthly payment, plus however much it takes you to repay the loan in full. But this is a deferred-interest credit card, so if you take longer to pay off your procedure, you’ll be charged retroactive interest starting from the first day you charged your CareCredit card. Reduced interest options are also available. If you think you’ll need more time to pay your bill, you can opt for a reduced APR of 14.90% for loans that take 24-48 months to pay off or 16.90% for loans that take 60 months to pay off. You can get an instant decision, including in the provider’s office. A wide range of surgical and nonsurgical procedures are eligible, including breast augmentation, liposuction, rhinoplasty, tummy tucks, mini face-lifts, reconstructive surgery, plastic surgery, Botox and Juvederm treatments, chemical peels, microdermabrasion, tattoo removal, laser hair removal and more. Loans are only available through participating providers and select retailers, such as Walmart and Rite Aid. You can check if your local provider works with CareCredit by searching for its name through CareCredit’s Find a Location tool. Many providers also list financing partners on their websites. Alphaeon Credit
Similar to CareCredit, Alphaeon Credit offers revolving credit that you can use at a point of sale to pay for a procedure, and potentially finance it with a lower promotional APR.
The loans are revolving, so you can pay off your bill at your own pace. The standard APR is 28.99%. 0% interest options are available. You can avoid paying interest by paying off your charges in full within 6 to 12 months. But this is a deferred-interest credit card. If you don’t pay off your charges within the promotional period, you’ll be retroactively charged interest. Reduced interest options are also available. You can receive an APR between 14.90% and 14.99% if you pay off your purchase in full within 24-60 months. If you fail to pay off your purchase in full, you’ll be charged a 28.99% interest rate on the remaining balance. Depending on your credit, you could borrow up to $25,000. You can use an Alphaeon loan for facial plastic surgery, plastic surgery and dermatology. Loans are only available through participating providers. You can check if your local provider works with Alphaeon by using the site’s doctor locator tool. Many providers also list financing partners on their websites. LightStream
Ideal for consumers with great credit, this installment loan lender offers some of the best interest rates — and lengthiest payment periods — you can get on a personal loan.
You’ll be given anywhere from 24 to 144 months to repay your loan, which is more than double the maximum amount of time many lenders give. APRs range from 3.99% to 16.99% No origination fees. Loans range from $5,000 – $100,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You could get your funds the same day you apply. If you can find another lender offering lower rates, LightStream will beat the offer by .10 percentage points. SoFi
This online lender offers low interest rates, holistic underwriting and unique perks, such as free career coaching for members.
You’ll be given 24 to 84 months to pay your loan. APRs range from 5.99% – 16.49%. There is No origination fee. Loans range from $5,000 – $50,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. As a SoFi member, you’ll have free access to personally tailored career coaching, including help with your resume as well as LinkedIn and personal brand training. SoFi considers a wider range of factors than traditional lenders when evaluating applicants, including your job history and monthly spending. You could qualify for a lower rate loan than what you can get from another lender. You can check your APR without triggering a hard inquiry. Upstart
A solid choice for up-and-coming millennials and other borrowers with impressive resumes, this online lender considers a wide range of factors, including your education and career history, when deciding what rate to offer you.
You’ll be given 36 & 60 months to repay your loan. APRs range from 7.54% – 35.99%. Origination fees range from 0.00% - 8.00%. Loans range from $1,000 – $50,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You could get cash as soon as the day after you apply. Upstart looks at other factors besides just your income and credit score, such as your education, college major and job history. So you could qualify for a lower rate than what you can get through a traditional lender. You can check your APR without triggering a hard inquiry. Discover Personal Loans
This traditional lender offers competitive rates, consumer-friendly terms and substantially longer payment periods than many lenders offer.
You’ll be given 36 to 84 months to repay your loan, which is significantly longer than some competitors. APRs on Discover personal loans range from 6.99% to 24.99%. No origination fees. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You can check your rate without triggering a hard inquiry. You could get approved the same day you apply. You’ll receive free access to your FICO Score so that you can continue to monitor your credit health. Wells Fargo Bank
If you’re looking for a basic loan with low rates and consumer-friendly terms, Wells Fargo personal loans could be worth a closer look.
You’ll be given 12 to 60 months  to repay your debt. APRs range from 6.99% – 23.99%. There are No origination fees. Loans range from $3,000–$3,000 You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You could qualify for a relationship discount if you sign up for automated payments. You could get your funds within a day of applying for a loan. LendingClub
It may take longer to get approved by this peer-to-peer lender than with other loans, but if you don’t mind waiting, you could get a pretty good rate from LendingClub. Be careful, though, as its maximum rates are high, potentially up to 35.89%.
You’ll be given 36 or 60 months to repay your loan. APRs range from 6.95% – 35.89%. Origination fees range from 1.00% - 6.00%. You could borrow up to $40,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You can check your rate without triggering a hard inquiry. You could get your funds within a few days or within a week of sending in your application. OneMain Financial
OneMain Financial charges higher rates than many personal loan lenders. But you may have a better chance getting approved by OneMain Financial than other lenders if your credit score is less than 600.
You’ll be given 24 to 60 months to pay your loan in full. APRs range from 16.05% – 35.99%. Loans range from $1,500 – $30,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You could receive your funds within a day. Bottom line
Terms vary widely between lenders, so it’s a good idea to shop around and compare charges before committing to a lender. Think carefully about the full impact of each loan you consider, including the total amount of interest you’ll have to pay and any fees you may incur. Don’t forget to look at other potential charges, too, such as retroactive interest and penalties.
Before you go forward, take the time to weigh how much of a difference elective surgery will make in your life and whether it’s really worth the big expense, said Alison Norris, a certified financial planner and advice strategist for SoFi.
“Getting a personal loan is not the same as receiving free money,” she said. “There are costs to a personal loan.” If you decide to pursue additional financing, make sure the reasons underlying your decision are going to improve your quality of life, Norris added.
Interested in a personal loan? Here are the top personal loan lenders of 2019!
LenderAPR RangeLoan Amount  1 Includes AutoPay discount. Important Disclosures for SoFi. SoFi Disclosures Fixed rates from 5.990% APR to 16.490% APR (with AutoPay). Variable rates from 5.72% APR to 14.60% APR (with AutoPay). SoFi rate ranges are current as of February 15, 2019 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. See APR examples and terms. Interest rates on variable rate loans are capped at 14.95%. Lowest variable rate of 5.74% APR assumes current 1-month LIBOR rate of 2.51% plus 4.28% margin minus 0.25% AutoPay discount. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull. See Consumer Licenses. Minimum Credit Score: Not all applicants who meet SoFi’s minimum credit score requirements are approved for a personal loan. In addition to meeting SoFi’s minimum eligibility criteria, applicants must also meet other credit and underwriting requirements to qualify. SoFi Personal Loans are not available to residents of MS. Maximum interest rate on loans for residents of AK and WY is 9.99% APR, for residents of IL with loans over $40,000 is 8.99% APR, for residents of TX is 9.99% APR on terms greater than 5 years, for residents of CO, CT, HI, VA, SC is 11.99% APR, and for residents of ME is 12.24% APR. Personal loans not available to residents of MI who already have a student loan with SoFi. Personal Loans minimum loan amount is $5,000. Residents of AZ, MA, and NH have a minimum loan amount of $10,001. Residents of KY have a minimum loan amount of $15,001. Residents of PA have a minimum loan amount of $25,001. Variable rates not available to residents of AK, TX, VA, WY, or for residents of IL for loans greater than $40,000. Terms and Conditions Apply: SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Includes AutoPay discount. Important Disclosures for Payoff. Payoff Disclosures All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage and history. Currently loans are not offered in: MA, MS, NE, NV, OH, and WV. 3 Important Disclosures for FreedomPlus. FreedomPlus Disclosures All loans available through FreedomPlus.com are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Eligibility for a loan is not guaranteed. Loans are not available to residents of all states – please call a FreedomPlus representative for further details. The following limitations, in addition to others, shall apply: FreedomPlus does not arrange loans in: (i) Arizona under $10,500; (ii) Massachusetts under $6,500, (iii) Ohio under $5,500, and (iv) Georgia under $3,500. Repayment periods range from 24 to 60 months. The range of APRs on loans made available through FreedomPlus is 5.99% to a maximum of 29.99%. APR. The APR calculation includes all applicable fees, including the loan origination fee. For Example, a four year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost payable of $7,948.13. To qualify for a 5.99% APR loan, a borrower will need excellent credit on a loan for an amount less than $12,000.00, and with a term equal to 24 months. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could help you also qualify for the lowest rate available. 4 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Personal Loan Rate Disclosure: Fixed interest rates from 6.79% – 20.89% (6.79% – 20.89% APR) based on applicable terms. Lowest rates range from 5.99%-18.99% (5.99%-18.99% APR), are for eligible applicants, require a 3-year repayment term, and include our Loyalty and Automatic Payment Discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower has a qualifying account in existence with us at the time the borrower has submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, student loans or other personal loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI and VT. This discount will be reflected in the interest rate and Annual Percentage Rate (APR) disclosed in the Truth-In-Lending Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan, and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their Citizens Bank Personal Loan during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account two or more times within any 12-month period, the borrower will no longer be eligible for this discount. 5 Important Disclosures for LendingPoint. LendingPoint Disclosures Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 6% may apply depending upon your state of residence. Upon LendingPoint’s final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. LendingPoint makes loan offers from $2,000 to $25,000, at rates ranging from a low of 9.99% APR to a high of 35.99% APR, with terms from 24 to 48 months. The loan offer(s) shown reflect a 28 day payment cycle which is being offered as a courtesy as many of our customers are paid on a biweekly schedule and thus this may better align the loan payment dates with your actual income receipt schedule. 6 Important Disclosures for LendingClub. LendingClub Disclosures
All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 6.95% to 35.89%*. The origination fee ranges from 1% to 6% of the original principal balance and is deducted from your loan proceeds. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The average origination fee is 5.49% as of Q1 2017. In Georgia, the minimum loan amount is $3,025. In Massachusetts, the minimum loan amount is $6,025 if your APR is greater than 12%. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required. Equal Housing Lender. All loans are subject to credit approval. LendingClub’s physical address is: LendingClub, 71 Stevenson Street, Suite 1000, San Francisco, CA 94105.
†Per reviews collected and authenticated by Bazaarvoice in compliance with the Bazaarvoice Authentication Requirements, supported by anti-fraud technology and human analysis. All reviews can be reviewed at reviews.lendingclub.com
**Based on approximately 60% of borrowers who received offers through LendingClub’s marketing partners between January 1, 2018 to July 20,2018. The time it will take to fund your loan may vary.
7 Important Disclosures for Earnest. Earnest Disclosures Earnest does not lend in Alabama, Delaware, Kentucky, Nevada, or Rhode Island. 8 Important Disclosures for Avant. Avant Disclosures
* The actual rate and loan amount that a customer qualifies for may vary based on credit determination and other factors. Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday. Avant branded credit products are issued by WebBank, member FDIC.
** Example: A $5,700 loan with an administration fee of 4.75% and an amount financed of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33
* Important Disclosures for Upgrade Bank. Upgrade Bank Disclosures
* Your loan terms are not guaranteed and are subject to our verification and review process. You may be asked to provide additional documents to enable us to verify your income and your identity. This rate includes an Autopay APR reduction of 0.5%. By enrolling in Autopay your payments will be automatically deducted from you bank account. Selecting Autopay is optional. Annual Percentage Rate is inclusive of a loan origination fee, which is deducted from the loan proceeds. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. All loans made by WebBank, member FDIC. Please refer to Upgrade’s Terms of Use and Borrower Agreement for all terms, conditions and requirements.
** Accept your loan offer and your funds will be sent to your bank via ACH within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes this transaction. From the time of approval, funds should be available within four (4) business days.
7.54% – 35.99%$1,000 - $50,000
Visit Upstart
5.72% – 16.49%1$5,000 - $100,000
Visit SoFi
7.99% – 35.89%*$1,000 - $50,000
Visit Upgrade
5.99% – 24.99%2$5,000 - $35,000
Visit Payoff
5.99% – 29.99%3$7,500 - $40,000
Visit FreedomPlus
6.79% – 20.89%4$5,000 - $50,000
Visit Citizens
9.99% – 35.99%5$2,000 - $25,000
Visit LendingPoint
6.95% – 35.89%6$1,000 - $40,000
Visit LendingClub
6.99% – 18.24%7$5,000 - $75,000
Visit Earnest
9.95% – 35.99%8$2,000 - $35,000
Visit Avant
Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.
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10 Ways to Pay for Plastic Surgery
Whether you’re looking at elective surgery to boost your confidence or Botox injections to help stop migraines, cosmetic procedures can be life-changing. They also can come with steep price tags.
Even if your health insurance foots part of the bill for nonaesthetic reasons, you may still owe hundreds or even thousands of dollars to your surgeon.
According to the American Society of Plastic Surgeons, consumers in the U.S. spent $16.7 billion on cosmetic procedures in 2017.
Unless you have a ton of money saved up, you’ll likely need some help covering the costs of the procedure and any incidental expenses you incur. That’s where personal loans and other health care financing options, such as health care credit cards, come in.
Getting a personal loan for plastic surgery
If you need surgery right away but aren’t sure how to finance it, a personal loan can help.
According to Jungwon Byun, head of growth at Upstart, a personal loan can be especially useful if you’re temporarily short of cash but are confident that you can comfortably pay off the procedure over time.
“You might not have all the funds you need right now,” Byun said. But you should at least have enough room in your budget to handle a couple hundred dollars in monthly payments.
You may qualify for a personal loan with lower rates than what you can find through a credit card. Or, depending on your budget, you may be able to avoid paying interest altogether by opting for a medical loan that offers zero interest financing.
10 options to pay for plastic surgery
To help you narrow your choices, we’ve rounded up 10 options on the market. Here’s what you should know before applying.
TABLE OF CONTENTS Prosper Healthcare Financing CareCredit Alphaeon Credit LightStream SoFi Upstart Discover Wells Fargo LendingClub OneMain Financial
Prosper Healthcare Financing
This installment loan provider caters specifically to consumers seeking health care financing. It partners with cosmetic surgeons and dentists around the country.
Patients have up to 60 months to repay their loans. APRs range from 5.99% – 36.00% for a 60-month loan. Depending on your credit, you could borrow up to $35,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You can check your APR without triggering a hard inquiry on your credit report. All cosmetic procedures are eligible, including breast augmentation, reconstruction and reduction; scar resurfacing; implants and tummy tucks. Loans are only available through participating providers. You can check if your local provider works with Prosper by searching for its name on the patient page. Many providers also list financing partners on their websites. Carecredit
CareCredit offers health care credit cards that you can use to pay for a procedure with promotional financing, such as zero or reduced interest.
The loans are revolving, so you can pay off your bill at your own pace. The standard APR is 26.99%. 0% interest options are available. You can avoid paying interest altogether by choosing a shorter-term repayment option (between 6 to 24 months) and paying a fixed minimum monthly payment, plus however much it takes you to repay the loan in full. But this is a deferred-interest credit card, so if you take longer to pay off your procedure, you’ll be charged retroactive interest starting from the first day you charged your CareCredit card. Reduced interest options are also available. If you think you’ll need more time to pay your bill, you can opt for a reduced APR of 14.90% for loans that take 24-48 months to pay off or 16.90% for loans that take 60 months to pay off. You can get an instant decision, including in the provider’s office. A wide range of surgical and nonsurgical procedures are eligible, including breast augmentation, liposuction, rhinoplasty, tummy tucks, mini face-lifts, reconstructive surgery, plastic surgery, Botox and Juvederm treatments, chemical peels, microdermabrasion, tattoo removal, laser hair removal and more. Loans are only available through participating providers and select retailers, such as Walmart and Rite Aid. You can check if your local provider works with CareCredit by searching for its name through CareCredit’s Find a Location tool. Many providers also list financing partners on their websites. Alphaeon Credit
Similar to CareCredit, Alphaeon Credit offers revolving credit that you can use at a point of sale to pay for a procedure, and potentially finance it with a lower promotional APR.
The loans are revolving, so you can pay off your bill at your own pace. The standard APR is 28.99%. 0% interest options are available. You can avoid paying interest by paying off your charges in full within 6 to 12 months. But this is a deferred-interest credit card. If you don’t pay off your charges within the promotional period, you’ll be retroactively charged interest. Reduced interest options are also available. You can receive an APR between 14.90% and 14.99% if you pay off your purchase in full within 24-60 months. If you fail to pay off your purchase in full, you’ll be charged a 28.99% interest rate on the remaining balance. Depending on your credit, you could borrow up to $25,000. You can use an Alphaeon loan for facial plastic surgery, plastic surgery and dermatology. Loans are only available through participating providers. You can check if your local provider works with Alphaeon by using the site’s doctor locator tool. Many providers also list financing partners on their websites. LightStream
Ideal for consumers with great credit, this installment loan lender offers some of the best interest rates — and lengthiest payment periods — you can get on a personal loan.
You’ll be given anywhere from 24 to 144 months to repay your loan, which is more than double the maximum amount of time many lenders give. APRs range from 3.99% to 16.99% No origination fees. Loans range from $5,000 – $100,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You could get your funds the same day you apply. If you can find another lender offering lower rates, LightStream will beat the offer by .10 percentage points. SoFi
This online lender offers low interest rates, holistic underwriting and unique perks, such as free career coaching for members.
You’ll be given 24 to 84 months to pay your loan. APRs range from 5.99% – 16.49%. There is No origination fee. Loans range from $5,000 – $50,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. As a SoFi member, you’ll have free access to personally tailored career coaching, including help with your resume as well as LinkedIn and personal brand training. SoFi considers a wider range of factors than traditional lenders when evaluating applicants, including your job history and monthly spending. You could qualify for a lower rate loan than what you can get from another lender. You can check your APR without triggering a hard inquiry. Upstart
A solid choice for up-and-coming millennials and other borrowers with impressive resumes, this online lender considers a wide range of factors, including your education and career history, when deciding what rate to offer you.
You’ll be given 36 & 60 months to repay your loan. APRs range from 7.54% – 35.99%. Origination fees range from 0.00% - 8.00%. Loans range from $1,000 – $50,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You could get cash as soon as the day after you apply. Upstart looks at other factors besides just your income and credit score, such as your education, college major and job history. So you could qualify for a lower rate than what you can get through a traditional lender. You can check your APR without triggering a hard inquiry. Discover Personal Loans
This traditional lender offers competitive rates, consumer-friendly terms and substantially longer payment periods than many lenders offer.
You’ll be given 36 to 84 months to repay your loan, which is significantly longer than some competitors. APRs on Discover personal loans range from 6.99% to 24.99%. No origination fees. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You can check your rate without triggering a hard inquiry. You could get approved the same day you apply. You’ll receive free access to your FICO Score so that you can continue to monitor your credit health. Wells Fargo Bank
If you’re looking for a basic loan with low rates and consumer-friendly terms, Wells Fargo personal loans could be worth a closer look.
You’ll be given 12 to 60 months  to repay your debt. APRs range from 6.99% – 23.99%. There are No origination fees. Loans range from $3,000–$3,000 You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You could qualify for a relationship discount if you sign up for automated payments. You could get your funds within a day of applying for a loan. LendingClub
It may take longer to get approved by this peer-to-peer lender than with other loans, but if you don’t mind waiting, you could get a pretty good rate from LendingClub. Be careful, though, as its maximum rates are high, potentially up to 35.89%.
You’ll be given 36 or 60 months to repay your loan. APRs range from 6.95% – 35.89%. Origination fees range from 1.00% - 6.00%. You could borrow up to $40,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You can check your rate without triggering a hard inquiry. You could get your funds within a few days or within a week of sending in your application. OneMain Financial
OneMain Financial charges higher rates than many personal loan lenders. But you may have a better chance getting approved by OneMain Financial than other lenders if your credit score is less than 600.
You’ll be given 24 to 60 months to pay your loan in full. APRs range from 16.05% – 35.99%. Loans range from $1,500 – $30,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You could receive your funds within a day. Bottom line
Terms vary widely between lenders, so it’s a good idea to shop around and compare charges before committing to a lender. Think carefully about the full impact of each loan you consider, including the total amount of interest you’ll have to pay and any fees you may incur. Don’t forget to look at other potential charges, too, such as retroactive interest and penalties.
Before you go forward, take the time to weigh how much of a difference elective surgery will make in your life and whether it’s really worth the big expense, said Alison Norris, a certified financial planner and advice strategist for SoFi.
“Getting a personal loan is not the same as receiving free money,” she said. “There are costs to a personal loan.” If you decide to pursue additional financing, make sure the reasons underlying your decision are going to improve your quality of life, Norris added.
Interested in a personal loan? Here are the top personal loan lenders of 2019!
LenderAPR RangeLoan Amount  1 Includes AutoPay discount. Important Disclosures for SoFi. SoFi Disclosures Fixed rates from 5.990% APR to 16.490% APR (with AutoPay). Variable rates from 5.72% APR to 14.60% APR (with AutoPay). SoFi rate ranges are current as of February 15, 2019 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. See APR examples and terms. Interest rates on variable rate loans are capped at 14.95%. Lowest variable rate of 5.74% APR assumes current 1-month LIBOR rate of 2.51% plus 4.28% margin minus 0.25% AutoPay discount. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull. See Consumer Licenses. Minimum Credit Score: Not all applicants who meet SoFi’s minimum credit score requirements are approved for a personal loan. In addition to meeting SoFi’s minimum eligibility criteria, applicants must also meet other credit and underwriting requirements to qualify. SoFi Personal Loans are not available to residents of MS. Maximum interest rate on loans for residents of AK and WY is 9.99% APR, for residents of IL with loans over $40,000 is 8.99% APR, for residents of TX is 9.99% APR on terms greater than 5 years, for residents of CO, CT, HI, VA, SC is 11.99% APR, and for residents of ME is 12.24% APR. Personal loans not available to residents of MI who already have a student loan with SoFi. Personal Loans minimum loan amount is $5,000. Residents of AZ, MA, and NH have a minimum loan amount of $10,001. Residents of KY have a minimum loan amount of $15,001. Residents of PA have a minimum loan amount of $25,001. Variable rates not available to residents of AK, TX, VA, WY, or for residents of IL for loans greater than $40,000. Terms and Conditions Apply: SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Includes AutoPay discount. Important Disclosures for Payoff. Payoff Disclosures All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage and history. Currently loans are not offered in: MA, MS, NE, NV, OH, and WV. 3 Important Disclosures for FreedomPlus. FreedomPlus Disclosures All loans available through FreedomPlus.com are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Eligibility for a loan is not guaranteed. Loans are not available to residents of all states – please call a FreedomPlus representative for further details. The following limitations, in addition to others, shall apply: FreedomPlus does not arrange loans in: (i) Arizona under $10,500; (ii) Massachusetts under $6,500, (iii) Ohio under $5,500, and (iv) Georgia under $3,500. Repayment periods range from 24 to 60 months. The range of APRs on loans made available through FreedomPlus is 5.99% to a maximum of 29.99%. APR. The APR calculation includes all applicable fees, including the loan origination fee. For Example, a four year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost payable of $7,948.13. To qualify for a 5.99% APR loan, a borrower will need excellent credit on a loan for an amount less than $12,000.00, and with a term equal to 24 months. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could help you also qualify for the lowest rate available. 4 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Personal Loan Rate Disclosure: Fixed interest rates from 6.79% – 20.89% (6.79% – 20.89% APR) based on applicable terms. Lowest rates range from 5.99%-18.99% (5.99%-18.99% APR), are for eligible applicants, require a 3-year repayment term, and include our Loyalty and Automatic Payment Discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower has a qualifying account in existence with us at the time the borrower has submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, student loans or other personal loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI and VT. This discount will be reflected in the interest rate and Annual Percentage Rate (APR) disclosed in the Truth-In-Lending Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan, and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their Citizens Bank Personal Loan during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account two or more times within any 12-month period, the borrower will no longer be eligible for this discount. 5 Important Disclosures for LendingPoint. LendingPoint Disclosures Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 6% may apply depending upon your state of residence. Upon LendingPoint’s final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. LendingPoint makes loan offers from $2,000 to $25,000, at rates ranging from a low of 9.99% APR to a high of 35.99% APR, with terms from 24 to 48 months. The loan offer(s) shown reflect a 28 day payment cycle which is being offered as a courtesy as many of our customers are paid on a biweekly schedule and thus this may better align the loan payment dates with your actual income receipt schedule. 6 Important Disclosures for LendingClub. LendingClub Disclosures
All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 6.95% to 35.89%*. The origination fee ranges from 1% to 6% of the original principal balance and is deducted from your loan proceeds. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The average origination fee is 5.49% as of Q1 2017. In Georgia, the minimum loan amount is $3,025. In Massachusetts, the minimum loan amount is $6,025 if your APR is greater than 12%. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required. Equal Housing Lender. All loans are subject to credit approval. LendingClub’s physical address is: LendingClub, 71 Stevenson Street, Suite 1000, San Francisco, CA 94105.
†Per reviews collected and authenticated by Bazaarvoice in compliance with the Bazaarvoice Authentication Requirements, supported by anti-fraud technology and human analysis. All reviews can be reviewed at reviews.lendingclub.com
**Based on approximately 60% of borrowers who received offers through LendingClub’s marketing partners between January 1, 2018 to July 20,2018. The time it will take to fund your loan may vary.
7 Important Disclosures for Earnest. Earnest Disclosures Earnest does not lend in Alabama, Delaware, Kentucky, Nevada, or Rhode Island. 8 Important Disclosures for Avant. Avant Disclosures
* The actual rate and loan amount that a customer qualifies for may vary based on credit determination and other factors. Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday. Avant branded credit products are issued by WebBank, member FDIC.
** Example: A $5,700 loan with an administration fee of 4.75% and an amount financed of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33
* Important Disclosures for Upgrade Bank. Upgrade Bank Disclosures
* Your loan terms are not guaranteed and are subject to our verification and review process. You may be asked to provide additional documents to enable us to verify your income and your identity. This rate includes an Autopay APR reduction of 0.5%. By enrolling in Autopay your payments will be automatically deducted from you bank account. Selecting Autopay is optional. Annual Percentage Rate is inclusive of a loan origination fee, which is deducted from the loan proceeds. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. All loans made by WebBank, member FDIC. Please refer to Upgrade’s Terms of Use and Borrower Agreement for all terms, conditions and requirements.
** Accept your loan offer and your funds will be sent to your bank via ACH within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes this transaction. From the time of approval, funds should be available within four (4) business days.
7.54% – 35.99%$1,000 - $50,000
Visit Upstart
5.72% – 16.49%1$5,000 - $100,000
Visit SoFi
7.99% – 35.89%*$1,000 - $50,000
Visit Upgrade
5.99% – 24.99%2$5,000 - $35,000
Visit Payoff
5.99% – 29.99%3$7,500 - $40,000
Visit FreedomPlus
6.79% – 20.89%4$5,000 - $50,000
Visit Citizens
9.99% – 35.99%5$2,000 - $25,000
Visit LendingPoint
6.95% – 35.89%6$1,000 - $40,000
Visit LendingClub
6.99% – 18.24%7$5,000 - $75,000
Visit Earnest
9.95% – 35.99%8$2,000 - $35,000
Visit Avant
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The post 10 Ways to Pay for Plastic Surgery appeared first on Student Loan Hero.
from Updates About Loans https://studentloanhero.com/featured/ways-to-pay-for-plastic-surgery/
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mikebrackett · 6 years
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10 Ways to Pay for Plastic Surgery
Whether you’re looking at elective surgery to boost your confidence or Botox injections to help stop migraines, cosmetic procedures can be life-changing. They also can come with steep price tags.
Even if your health insurance foots part of the bill for nonaesthetic reasons, you may still owe hundreds or even thousands of dollars to your surgeon.
According to the American Society of Plastic Surgeons, consumers in the U.S. spent $16.7 billion on cosmetic procedures in 2017.
Unless you have a ton of money saved up, you’ll likely need some help covering the costs of the procedure and any incidental expenses you incur. That’s where personal loans and other health care financing options, such as health care credit cards, come in.
Getting a personal loan for plastic surgery
If you need surgery right away but aren’t sure how to finance it, a personal loan can help.
According to Jungwon Byun, head of growth at Upstart, a personal loan can be especially useful if you’re temporarily short of cash but are confident that you can comfortably pay off the procedure over time.
“You might not have all the funds you need right now,” Byun said. But you should at least have enough room in your budget to handle a couple hundred dollars in monthly payments.
You may qualify for a personal loan with lower rates than what you can find through a credit card. Or, depending on your budget, you may be able to avoid paying interest altogether by opting for a medical loan that offers zero interest financing.
10 options to pay for plastic surgery
To help you narrow your choices, we’ve rounded up 10 options on the market. Here’s what you should know before applying.
TABLE OF CONTENTS Prosper Healthcare Financing CareCredit Alphaeon Credit LightStream SoFi Upstart Discover Wells Fargo LendingClub OneMain Financial
Prosper Healthcare Financing
This installment loan provider caters specifically to consumers seeking health care financing. It partners with cosmetic surgeons and dentists around the country.
Patients have up to 60 months to repay their loans. APRs range from 5.99% – 36.00% for a 60-month loan. Depending on your credit, you could borrow up to $35,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You can check your APR without triggering a hard inquiry on your credit report. All cosmetic procedures are eligible, including breast augmentation, reconstruction and reduction; scar resurfacing; implants and tummy tucks. Loans are only available through participating providers. You can check if your local provider works with Prosper by searching for its name on the patient page. Many providers also list financing partners on their websites. Carecredit
CareCredit offers health care credit cards that you can use to pay for a procedure with promotional financing, such as zero or reduced interest.
The loans are revolving, so you can pay off your bill at your own pace. The standard APR is 26.99%. 0% interest options are available. You can avoid paying interest altogether by choosing a shorter-term repayment option (between 6 to 24 months) and paying a fixed minimum monthly payment, plus however much it takes you to repay the loan in full. But this is a deferred-interest credit card, so if you take longer to pay off your procedure, you’ll be charged retroactive interest starting from the first day you charged your CareCredit card. Reduced interest options are also available. If you think you’ll need more time to pay your bill, you can opt for a reduced APR of 14.90% for loans that take 24-48 months to pay off or 16.90% for loans that take 60 months to pay off. You can get an instant decision, including in the provider’s office. A wide range of surgical and nonsurgical procedures are eligible, including breast augmentation, liposuction, rhinoplasty, tummy tucks, mini face-lifts, reconstructive surgery, plastic surgery, Botox and Juvederm treatments, chemical peels, microdermabrasion, tattoo removal, laser hair removal and more. Loans are only available through participating providers and select retailers, such as Walmart and Rite Aid. You can check if your local provider works with CareCredit by searching for its name through CareCredit’s Find a Location tool. Many providers also list financing partners on their websites. Alphaeon Credit
Similar to CareCredit, Alphaeon Credit offers revolving credit that you can use at a point of sale to pay for a procedure, and potentially finance it with a lower promotional APR.
The loans are revolving, so you can pay off your bill at your own pace. The standard APR is 28.99%. 0% interest options are available. You can avoid paying interest by paying off your charges in full within 6 to 12 months. But this is a deferred-interest credit card. If you don’t pay off your charges within the promotional period, you’ll be retroactively charged interest. Reduced interest options are also available. You can receive an APR between 14.90% and 14.99% if you pay off your purchase in full within 24-60 months. If you fail to pay off your purchase in full, you’ll be charged a 28.99% interest rate on the remaining balance. Depending on your credit, you could borrow up to $25,000. You can use an Alphaeon loan for facial plastic surgery, plastic surgery and dermatology. Loans are only available through participating providers. You can check if your local provider works with Alphaeon by using the site’s doctor locator tool. Many providers also list financing partners on their websites. LightStream
Ideal for consumers with great credit, this installment loan lender offers some of the best interest rates — and lengthiest payment periods — you can get on a personal loan.
You’ll be given anywhere from 24 to 144 months to repay your loan, which is more than double the maximum amount of time many lenders give. APRs range from 3.99% to 16.99% No origination fees. Loans range from $5,000 – $100,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You could get your funds the same day you apply. If you can find another lender offering lower rates, LightStream will beat the offer by .10 percentage points. SoFi
This online lender offers low interest rates, holistic underwriting and unique perks, such as free career coaching for members.
You’ll be given 24 to 84 months to pay your loan. APRs range from 5.99% – 16.49%. There is No origination fee. Loans range from $5,000 – $50,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. As a SoFi member, you’ll have free access to personally tailored career coaching, including help with your resume as well as LinkedIn and personal brand training. SoFi considers a wider range of factors than traditional lenders when evaluating applicants, including your job history and monthly spending. You could qualify for a lower rate loan than what you can get from another lender. You can check your APR without triggering a hard inquiry. Upstart
A solid choice for up-and-coming millennials and other borrowers with impressive resumes, this online lender considers a wide range of factors, including your education and career history, when deciding what rate to offer you.
You’ll be given 36 & 60 months to repay your loan. APRs range from 7.54% – 35.99%. Origination fees range from 0.00% - 8.00%. Loans range from $1,000 – $50,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You could get cash as soon as the day after you apply. Upstart looks at other factors besides just your income and credit score, such as your education, college major and job history. So you could qualify for a lower rate than what you can get through a traditional lender. You can check your APR without triggering a hard inquiry. Discover Personal Loans
This traditional lender offers competitive rates, consumer-friendly terms and substantially longer payment periods than many lenders offer.
You’ll be given 36 to 84 months to repay your loan, which is significantly longer than some competitors. APRs on Discover personal loans range from 6.99% to 24.99%. No origination fees. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You can check your rate without triggering a hard inquiry. You could get approved the same day you apply. You’ll receive free access to your FICO Score so that you can continue to monitor your credit health. Wells Fargo Bank
If you’re looking for a basic loan with low rates and consumer-friendly terms, Wells Fargo personal loans could be worth a closer look.
You’ll be given 12 to 60 months  to repay your debt. APRs range from 6.99% – 23.99%. There are No origination fees. Loans range from $3,000–$3,000 You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You could qualify for a relationship discount if you sign up for automated payments. You could get your funds within a day of applying for a loan. LendingClub
It may take longer to get approved by this peer-to-peer lender than with other loans, but if you don’t mind waiting, you could get a pretty good rate from LendingClub. Be careful, though, as its maximum rates are high, potentially up to 35.89%.
You’ll be given 36 or 60 months to repay your loan. APRs range from 6.95% – 35.89%. Origination fees range from 1.00% - 6.00%. You could borrow up to $40,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You can check your rate without triggering a hard inquiry. You could get your funds within a few days or within a week of sending in your application. OneMain Financial
OneMain Financial charges higher rates than many personal loan lenders. But you may have a better chance getting approved by OneMain Financial than other lenders if your credit score is less than 600.
You’ll be given 24 to 60 months to pay your loan in full. APRs range from 16.05% – 35.99%. Loans range from $1,500 – $30,000. You’ll be given a fixed monthly payment. There’s no penalty for paying off your loan early. You could receive your funds within a day. Bottom line
Terms vary widely between lenders, so it’s a good idea to shop around and compare charges before committing to a lender. Think carefully about the full impact of each loan you consider, including the total amount of interest you’ll have to pay and any fees you may incur. Don’t forget to look at other potential charges, too, such as retroactive interest and penalties.
Before you go forward, take the time to weigh how much of a difference elective surgery will make in your life and whether it’s really worth the big expense, said Alison Norris, a certified financial planner and advice strategist for SoFi.
“Getting a personal loan is not the same as receiving free money,” she said. “There are costs to a personal loan.” If you decide to pursue additional financing, make sure the reasons underlying your decision are going to improve your quality of life, Norris added.
Interested in a personal loan? Here are the top personal loan lenders of 2019!
LenderAPR RangeLoan Amount  1 Includes AutoPay discount. Important Disclosures for SoFi. SoFi Disclosures Fixed rates from 5.990% APR to 16.490% APR (with AutoPay). Variable rates from 5.72% APR to 14.60% APR (with AutoPay). SoFi rate ranges are current as of February 15, 2019 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. See APR examples and terms. Interest rates on variable rate loans are capped at 14.95%. Lowest variable rate of 5.74% APR assumes current 1-month LIBOR rate of 2.51% plus 4.28% margin minus 0.25% AutoPay discount. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull. See Consumer Licenses. Minimum Credit Score: Not all applicants who meet SoFi’s minimum credit score requirements are approved for a personal loan. In addition to meeting SoFi’s minimum eligibility criteria, applicants must also meet other credit and underwriting requirements to qualify. SoFi Personal Loans are not available to residents of MS. Maximum interest rate on loans for residents of AK and WY is 9.99% APR, for residents of IL with loans over $40,000 is 8.99% APR, for residents of TX is 9.99% APR on terms greater than 5 years, for residents of CO, CT, HI, VA, SC is 11.99% APR, and for residents of ME is 12.24% APR. Personal loans not available to residents of MI who already have a student loan with SoFi. Personal Loans minimum loan amount is $5,000. Residents of AZ, MA, and NH have a minimum loan amount of $10,001. Residents of KY have a minimum loan amount of $15,001. Residents of PA have a minimum loan amount of $25,001. Variable rates not available to residents of AK, TX, VA, WY, or for residents of IL for loans greater than $40,000. Terms and Conditions Apply: SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Includes AutoPay discount. Important Disclosures for Payoff. Payoff Disclosures All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage and history. Currently loans are not offered in: MA, MS, NE, NV, OH, and WV. 3 Important Disclosures for FreedomPlus. FreedomPlus Disclosures All loans available through FreedomPlus.com are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Eligibility for a loan is not guaranteed. Loans are not available to residents of all states – please call a FreedomPlus representative for further details. The following limitations, in addition to others, shall apply: FreedomPlus does not arrange loans in: (i) Arizona under $10,500; (ii) Massachusetts under $6,500, (iii) Ohio under $5,500, and (iv) Georgia under $3,500. Repayment periods range from 24 to 60 months. The range of APRs on loans made available through FreedomPlus is 5.99% to a maximum of 29.99%. APR. The APR calculation includes all applicable fees, including the loan origination fee. For Example, a four year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost payable of $7,948.13. To qualify for a 5.99% APR loan, a borrower will need excellent credit on a loan for an amount less than $12,000.00, and with a term equal to 24 months. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could help you also qualify for the lowest rate available. 4 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Personal Loan Rate Disclosure: Fixed interest rates from 6.79% – 20.89% (6.79% – 20.89% APR) based on applicable terms. Lowest rates range from 5.99%-18.99% (5.99%-18.99% APR), are for eligible applicants, require a 3-year repayment term, and include our Loyalty and Automatic Payment Discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower has a qualifying account in existence with us at the time the borrower has submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, student loans or other personal loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI and VT. This discount will be reflected in the interest rate and Annual Percentage Rate (APR) disclosed in the Truth-In-Lending Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan, and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their Citizens Bank Personal Loan during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account two or more times within any 12-month period, the borrower will no longer be eligible for this discount. 5 Important Disclosures for LendingPoint. LendingPoint Disclosures Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 6% may apply depending upon your state of residence. Upon LendingPoint’s final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. LendingPoint makes loan offers from $2,000 to $25,000, at rates ranging from a low of 9.99% APR to a high of 35.99% APR, with terms from 24 to 48 months. The loan offer(s) shown reflect a 28 day payment cycle which is being offered as a courtesy as many of our customers are paid on a biweekly schedule and thus this may better align the loan payment dates with your actual income receipt schedule. 6 Important Disclosures for LendingClub. LendingClub Disclosures
All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 6.95% to 35.89%*. The origination fee ranges from 1% to 6% of the original principal balance and is deducted from your loan proceeds. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The average origination fee is 5.49% as of Q1 2017. In Georgia, the minimum loan amount is $3,025. In Massachusetts, the minimum loan amount is $6,025 if your APR is greater than 12%. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required. Equal Housing Lender. All loans are subject to credit approval. LendingClub’s physical address is: LendingClub, 71 Stevenson Street, Suite 1000, San Francisco, CA 94105.
†Per reviews collected and authenticated by Bazaarvoice in compliance with the Bazaarvoice Authentication Requirements, supported by anti-fraud technology and human analysis. All reviews can be reviewed at reviews.lendingclub.com
**Based on approximately 60% of borrowers who received offers through LendingClub’s marketing partners between January 1, 2018 to July 20,2018. The time it will take to fund your loan may vary.
7 Important Disclosures for Earnest. Earnest Disclosures Earnest does not lend in Alabama, Delaware, Kentucky, Nevada, or Rhode Island. 8 Important Disclosures for Avant. Avant Disclosures
* The actual rate and loan amount that a customer qualifies for may vary based on credit determination and other factors. Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday. Avant branded credit products are issued by WebBank, member FDIC.
** Example: A $5,700 loan with an administration fee of 4.75% and an amount financed of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33
* Important Disclosures for Upgrade Bank. Upgrade Bank Disclosures
* Your loan terms are not guaranteed and are subject to our verification and review process. You may be asked to provide additional documents to enable us to verify your income and your identity. This rate includes an Autopay APR reduction of 0.5%. By enrolling in Autopay your payments will be automatically deducted from you bank account. Selecting Autopay is optional. Annual Percentage Rate is inclusive of a loan origination fee, which is deducted from the loan proceeds. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. All loans made by WebBank, member FDIC. Please refer to Upgrade’s Terms of Use and Borrower Agreement for all terms, conditions and requirements.
** Accept your loan offer and your funds will be sent to your bank via ACH within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes this transaction. From the time of approval, funds should be available within four (4) business days.
7.54% – 35.99%$1,000 - $50,000
Visit Upstart
5.72% – 16.49%1$5,000 - $100,000
Visit SoFi
7.99% – 35.89%*$1,000 - $50,000
Visit Upgrade
5.99% – 24.99%2$5,000 - $35,000
Visit Payoff
5.99% – 29.99%3$7,500 - $40,000
Visit FreedomPlus
6.79% – 20.89%4$5,000 - $50,000
Visit Citizens
9.99% – 35.99%5$2,000 - $25,000
Visit LendingPoint
6.95% – 35.89%6$1,000 - $40,000
Visit LendingClub
6.99% – 18.24%7$5,000 - $75,000
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from Updates About Loans https://studentloanhero.com/featured/ways-to-pay-for-plastic-surgery/
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Cosmetic dermatology life coach in pune, ravet, wakad, nigdi, pimpri chinchwad, and akurdi |cosmetic dermatology life coach at best cost
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Grace Smith* started using the Facetune photo app a few years back to edit wrinkles out of her face.
The lines between her eyebrows created a shadowy effect on the 28-year-old’s forehead, and she thought she looked fresher and prettier in pictures when the shadow was erased.
Pretty soon, the touched up photos made the Washington, DC, health coach begin longing to “edit” her wrinkles out in real life. “If I already have an indent in my forehead [now], how bad is it going to be when I’m 60?” she wondered.
So, at age 23, Smith turned to Botox, a local injection that causes facial wrinkles to smooth out, for a real-life fix. Five years later, she’s still getting injections into her forehead every nine months. She’s also had her lips filled and her skin lasered “because it didn’t look pretty on camera.” And for now, she feels satisfied. She hardly edits her photos anymore, she says, because “I don’t have the shadow.”
Smith’s doctor, medical dermatologist Noëlle Sherber, says Smith is part of a new wave in plastic surgery: people seeking to permanently alter their faces, inspired by touched-up or filtered photos of themselves.
“I have a lot of millennials as part of my practice,” she told me. “Most of the time they want to talk about how they appear in their edited photos. And they are looking to explore options of how to translate that into reality.”
Sherber, who runs a Washington, DC, dermatology and plastic surgery practice with her husband, says these patients have become accustomed to seeing their faces in a digitally altered state. They blur imperfections, plump their lips, thin out their noses, and brighten their skin — or sometimes go even further, enlarging their eyes and changing the proportions of their face.
They often forget that the images on their smartphone aren’t reality, that there’s a big difference between making a nose or chin look smaller on camera and moving bone or tissue with surgery, Sherber says.
“Some of the changes they are making to their faces are not achievable,” she added. “We can’t do that in real life. And if they really can’t be made to match that, they will be inherently disappointed.”
In other words, the edited and filtered photos create an alternate reality, and, along with it, unrealistic expectations about how people should look — and what cosmetic treatments can do for them. And doctors are increasingly warning that this may also be fueling a disturbing psychological phenomenon: “Snapchat dysmorphia.”
The smartphone age has turned us into prolific photographers. And many people choose to turn the camera lens on themselves, in selfies broadcast through Instagram, Facebook, Snapchat, or text. These photos can be easily edited and filtered with a tempting array of tools, like Snapseed or Facetune or filters on Snapchat. So anybody with a smartphone has instant access to the kind of touch-ups that used to be reserved only for celebrities and models.
The blurred lines between smartphone fantasy and reality, along with shifting beauty ideals, is taking a psychic toll, and doctors are calling it Snapchat dysmorphia.
“It can be argued that these apps are making us lose touch with reality because we expect to look perfectly primped and filtered in real life as well,” doctors at Boston University School of Medicine’s Department of Dermatology wrote in a new JAMA Facial Plastic Surgery article.
Edited and filtered photos can exacerbate body dysmorphic disorder, the relentless fixation with a perceived flaw in appearance. “Now, it is not just celebrities propagating beauty standards: it is a classmate, a coworker, or a friend,” the doctors wrote.
“The pervasiveness of these filtered images can take a toll on one’s self-esteem, make one feel inadequate for not looking a certain way in the real world, and may even act as a trigger and lead to body dysmorphic disorder.”
Even more disturbing, the selfies people bring into clinics, even when they’re unedited, can be inaccurate portrayals of how a person actually looks. Another recent JAMA article noted that selfies can make the nose appear 30 percent larger, and that patients seeking nose jobs based on selfies should be aware of this distortion.
According to the American Academy of Facial Plastic and Reconstructive Surgeons 2017 poll, 55 percent of facial plastic surgeons reported seeing patients who wanted surgeries to help them look better in selfies, up from 13 percent in 2016.
Boris Paskhover, a facial plastic surgeon at Rutgers University and author on the nose job paper, warned, “Any time people are using a front facing camera at close proximity — for FaceTime, SnapChat, Instagram,” it’s going to change their face. But right now, he said, “People don’t get it.” And they’re turning to expensive and permanent fixes based on these distorted images.
“Just because the app shows what you may look like if you reduce your nose or any body part doesn’t mean that it’s possible in real life,” Paskhover warned. “I can’t just move your nose around. I have to adjust the skin, the bones, the cartilage.”
The fact that people need to be reminded of that should make us pause and consider what social media and smartphones are bringing to the surface.
*We’ve used a pseudonym to protect the patient’s identity.
Original Source -> “Snapchat dysmorphia”: why people are getting plastic surgery to look like their edited photos
via The Conservative Brief
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lamaligna · 6 years
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latriceduke · 7 years
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Is Rodan + Fields just another scam?
Rodan + Fields is a multilevel marketing company whose sole goal is to provide beauty products to make you look younger.  
They only have a few categories of products, but they have a sleek, medical look and feel to them.  This makes sense, because the company was founded by a team of two dermatologists, Dr. Katie Rodan and Dr. Kathy Fields.
So did I get on board? This explains everything:
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Though it initially started as a department store brand, the company expanded by switching to a network marketing model.  The medical cred’ of the founders gives the brand more legitimacy than your average anti-aging cosmetic MLM, and it definitely shows in the company’s popularity.
When you look at search engine data, you see pretty much exactly what you want to see with an MLM on the rise.  Over the past five years, search volume has been steadily rising.  
There haven’t been any major spikes that would indicate risk of a subsequent crash in popularity; just slow steady climb.  This is a prime indicator that this would be a good time to get in on this rising MLM, assuming their products and compensation plan look legit.  Are they? Let’s find out.
Products
So, what does Rodan + Fields actually offer in their products?  Broadly speaking, the company has four systems for personal care.  These are Sooth, Lash Boost, Unblemish, and Reverse.  
Sooth is Rodan + Fields’ moisturizing system for keeping your skin soft and pliable.  It incorporates a lot of the moisturizing and healing compounds skin and beauty enthusiasts like to see in products, like aloe leaf juice and several kinds of ceramides.  
The company claims that the Sooth system can be used on both oily and dry skin types if you vary how you apply it.
The Lash Boost is the most simple “system”–it’s just one product, and it’s supposed to increase the fullness and loft of your eyelashes.  It contains compounds like keratin, which can create stronger bonds in the hair fiber.  You actually apply it at night to your upper lash line; it’s not a standard mascara that you’d put on before going out.
If you haven’t caught on by now, Rodan + Fields is a company made by women, for women.  If you are a guy, you are going to have a hard time explaining the finer points of an eyelash rejuvenator, so take note of that now!
Getting back to Rodan + Fields’ products, their Unblemish system is an acne-fighting package that combines a sulfur wash with a witch hazel toner, a 5% benzoyl peroxide acne breakout cream, and an oil control lotion that includes an SPF 20 sunscreen.  
All of these ingredients are solid acne treatments; for example, cosmetic authority Facing Acne recommends using sulfur washes to treat acne and speed the diminishment of pimples that have already formed.
The centerpiece product is Rodan + Fields’ anti-aging solution, called Reverse.  Unlike other anti-aging solutions that fight wrinkles, Reverse is focused on the darkening and blemishes that come along with aging skin.  
Their brightening and lightening products don’t lay down layers of plastic polymer on top of your skin like many wrinkle-fighting competitors.  They use a blend of a lot of different compounds to lighten skin and even out blemishes, at least according to the company.
At this point, we reach the inevitable question: Do they actually work? As is virtually always the case with cosmetics, there isn’t much in the way of independent research, so you’ve pretty much got to trust the company.  
In this case, that’s a little easier, given the medical and dermatological expertise of the founders. But with that expertise comes a price (literally).  Rodan + Fields products are quite expensive, and there’s no doubt that the medical credibility of the doctors behind the products enables them to charge much more than they otherwise could.
Compensation plan
As for the income opportunity, Rodan + Fields has a fairly straightforward compensation plan.  The basic fee to start up as a distributor is $45, which gets you a retail discount of 25% and the opportunity to start enrolling people underneath you.  
To be an “active consultant” and thus be eligible for commissions, you need to maintain a monthly sales volume of 100 product volume.
Do that and you can earn 10% commissions (pretty good!) on your first-line sales through your downline distributors.  In months where you move over 600 product volume, you can earn another 5% commission on your second level of distributors and their sales.  
This applies to the first level, too.  This pattern continues as you climb up the rankings, assuming you can increase your total monthly sales volumes.  
Though this compensation plan looks pretty good, the high price of the product makes it tough for most people to make money. According to the company’s income disclosure statement from 2015, almost half of all consultants didn’t make any money in that year, and of those who did, the vast majority made only a few thousand dollars per year.
Recap
So, with pretty good products backed by two dermatologists and a pretty decent compensation plan, why do most people fail to make more than a little extra money as a Rodan + Fields consultant?
The answer has got to be the price tag, and the solution to this has to be in how, where, and to whom you market the products. Here’s a hint: you’ll have a lot more success at the golf club than at the discount store.
The market for Rodan + Fields is clearly people who care about their appearance, and who have enough disposable income to do something about it that’s backed by medical expertise, so think about that when you are making your business plan.
If you’re set on MLM, Rodan + Fields isn’t the worst one out there. But if you’re just doing it for the money, there are better ways to kill your day job.
You might like our coaching because it shows you the good life without peddling products to your family and friends.
http://bodynutrition.org/rodan-fields-review/ http://bodynutritionorg.blogspot.com/2017/06/is-rodan-fields-just-another-scam.html
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rtawngs20815 · 7 years
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Soothe Your Summer Sunburn with Ancient Ayurveda
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While winter definitely takes its toll on moisture, summer seems to be a constant flurry of protecting skin from the sun and soothing it when it’s seen too much damage. And though there are tons of over-the-counter products to help with this, the traditional Indian healing system of Ayurveda has a few tips, too.
Ayurvedic Oils as Sunscreen
After scientific research showed that certain Ayurvedic oils had SPF powers, many natural health gurus pounced, claiming that these oils could be used in lieu of sunscreen. And according to Anna Pamula of Renu Day Spa in Illinois, traditional Ayurveda does call for using these oils to help protect your skin from the sun’s rays.
“All vegetable oils have UVB And UVA protection qualities,” she says, noting that while plants certainly depend upon the sun to grow, they also need to protect themselves from sun damage.
Different oils have different SPF values, ranging from SPF 2 in the case of coconut oil to SPF 4 for sesame, SPF 6 for hemp, SPF 10 for soybean, and a whopping SPF 40 for carrot seed and SPF 50 for raspberry seed.
That said, some doctors, like Joshua Zeichner, M.D., the director of cosmetic and clinical research in dermatology at Mount Sinai Hospital in New York City, note that lab results aren’t enough to prove that applying these oils instead of sunscreen will help in practice.
“In theory or in the lab, an oil may give [some] protection, but in the real world, you’re applying it to the skin with other ingredients and you’re sweating and it’s exposed to UV light — the conditions are very different,” Dr. Zeichner tells NY Mag. “It may not be stable.”
You may be better off opting for a natural sunscreen and boosting your skin’s natural sun-repelling power by consuming lots of antioxidants and avoiding certain essential oils: bitter orange, angelica, and lemon verbena can increase sun sensitivity, so shelve those until fall.
Ayurveda for Post-Sun Skin
One thing that experts do agree on across the board is that Ayurveda can be used successfully and safely if you’ve accidentally overdosed on sun exposure.
“You generally want to opt for cooling, calming and soothing oils,” says Kerri Axelrod, a certified holistic health coach. She suggests coconut oil after over-exposure to the sun to reduce inflammation, heal minor sunburns, and prevent redness.
Vasant Lad, founder of the Ayurvedic Institute, meanwhile, suggests mixing equal amounts of powdered sandalwood and turmeric and applying the paste to a sunburn to help it heal itself.
Classic aloe vera is yet another great way to soothe a sunburn. Choose fresh, organic aloe vera and apply the juice directly to the sunburn to help it heal.
For dry skin associated with too much time in the sun, sand, or sea, Axelrod suggests shea butter or a combination of lavender oil and sandalwood oil for their soothing properties. Placing a few drops of these essential oils into your bath a few times a week to can help you take advantage of their cooling effects after a bit too much time on the beach.
Related on EcoSalon Top 3 All Natural, Mineral Spray Sunscreens 7 Totally Exotic Anti-Aging Skincare Ingredients You Need in Your Life Right Now The Not-So-Scary Reason You Need Natural Skincare Products
The post Soothe Your Summer Sunburn with Ancient Ayurveda appeared first on EcoSalon.
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