When is The Best Time to Start Investing in a Stock & Shares ISA

calculator-1156121_640The best time to start investing is quite simply as soon as possible. There are many reasons why one would want to put off investing, like thinking there is no spare cash or not knowing the right time to invest in any particular market; however, the general rule of thumb is to start as early as possible and think long term. Therefore, what one really needs to consider is the risk and how long one is willing to keep the investment.

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How to Pay for Plastic Surgery With Bad Credit

pay for plastic surgery with bad credit

The number of plastic surgeries being performed each year is climbing. Approximately 15 million people receive some kind of cosmetic surgery each year in the Untied States. People like Kim Kardashian have made plastic surgery commonplace, which has led to us non-celebrities wondering how we can look like that.

Well, there’s no looking like Kim K without going under the knife but not everyone has the cash (or credit) to get that type of work done. This leads people to wonder if they can pay for plastic surgery with bad credit.

Can You Pay for Plastic Surgery With Bad Credit?

Yes. You can pay for plastic surgery with bad credit. There are many different types of loans and payment options available for people with bad credit. You may, however, want to consider working on your credit before paying for plastic surgery. Here’s how to raise your credit score 200 points.

How to Pay for Plastic Surgery With Bad Credit

If you’re not interested in raising your credit score before attempting to pay for your procedure, don’t worry. There are plenty of ways to pay for plastic surgery with bad credit. Below are just a few of the financing options available.

  • Ask for financing through the doctor’s office. Some doctor’s offices will allow you to set up a payment plan for larger, more expensive procedures. Ask if this is an option at the cosmetic surgeon you plan to visit.
  • Apply for a beauty loan. You can get a loan to get plastic surgery with bad credit but it isn’t likely. If your credit is that bad, you won’t likely be approved. Those who decide to pull out a loan for plastic surgery have two types to choose from:
    • Secured: A secured beauty loan requires the borrower to provide some sort of collateral. This usually ends up being the person’s home or car. It is important to remember that if you do not make your payments on this kind of loan that you could lose your collateral (in some cases your home).
    • Unsecured: Unsecured loans are similar to credit cards. In fact, I would suggest applying for an unsecured credit card to cover the cost of your plastic surgery rather than taking out a loan (there will be less interest on your card).
  • Get a Flexible Spending Account. Flexible Spending Accounts (FSAs) are set up through your place of work. You put cash into the account and use it to pay health expenses (which can include plastic surgery). The money isn’t taxed and you won’t have to pass a credit check if you decide to pay this way.
  • Just save the money. Lastly, if you really want plastic surgery you could simply just save the money. Although it will take some time you will still get the same end result without going into debt doing it.

Paying for cosmetic surgery can be difficult, especially if you have bad credit. Luckily enough there are these suggestions (and more) to help you pay for plastic surgery with bad credit.


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Should You Pay For Channel Subscriptions Instead of Cable?

Channel Subscriptions
If you’re one of the few people out there still paying for cable and not just watching Netflix, you probably only watch a few of the hundreds and thousands of channels you have. Most of the time you have something you like to watch and you watch that, you don’t look for something new. So, what if you simply paid for the channel subscription instead of full-on cable? Will it save you money?

What is a Channel Subscription?

Channel subscriptions are a fairly new concept. You could always pay extra money on your cable bill for TV stations like Home Box Office (HBO), STARZ or Showtime but now, with more people turning to streaming services, more channels are offering a subscription option where you can pay for content from that network or channel exclusively.

For example, right now I pay for Amazon Prime, HBO, Funimation, Netflix and Hulu. Literally everything I could ever want to watch is on one of those subscription services and, if it isn’t, there is a good chance I can find it somewhere on the web. These five services cost me about $50 per month, which isn’t bad considering some of the steep cable prices and I can cancel any of the services without penalty whenever I’d like. So, if I want to cut back one month I can cut some subscriptions and just start them back up down the road. Many people are switching to this kind of home entertainment but are channel subscriptions cheaper and do they provide the same quality?

Channel Subscriptions vs. Cable

Personally, channel subscriptions are the way to go for me. I can pay my internet and “cable” bill for less than $100 per month and watch everything I would normally watch and more. Deciding whether or not relying on channel subscriptions would be a good fit for you, you’ll have a few things to consider:

  • How many channels do you watch? I never watched TV religiously so having a plethora of channels to mindlessly scroll through didn’t matter much. I only watched the news (which I can stream online) and a few TV shows (most of which are available on one of my streaming services). Most other times the TV was just background noise. If you watch a ton of your current channels, however, you may not want to son cider a channel subscription service. Additionally, some services won’t have your favorite channel or favorite show. For instance, Hulu doesn’t stream “The Daily Show” so I have to find it elsewhere.
  • Do you have to watch your shows on time? If watching your shows at the same time as everyone else matters to you, don’t switch to a subscription service. Even my HBO service takes a day to update and Hulu can takes days (or even a week sometimes). This means having to wait a while to see some of the shows you want to see but it can mean serious savings.  
  • What is your budget? Most people consider switching to channel subscriptions so that they can save money. Before establishing which subscription services you’d like you should have a budget in mind. Remember that in order to have channel subscriptions you will need internet and a device to watch your content on.
  • What are cable/internet prices in your area and how do they compare? In my area the average internet-cable package runs around $150 per month. Essentially, switching to channel subscriptions saved me about $50 per month. That won’t be the case for every city in every state though. Be sure to calculate your “stacked” channel subscriptions and internet price and then compare it with the price of cable in your area to be sure switching is a good idea.
  • Are you in a contract with your cable company? Lastly, find out whether or not you are contractually bound to stay with your current provider. If you’ve signed up for a year or more getting out of your contract early could be costly and, frankly, not worth switching over.

Before you make a decision be sure to keep keep each of the above in mind. Also, note that most channel subscriptions have at least a one week free trial (so you can try it out before you commit). Many people are turning to channel subscriptions like the ones mentioned in this article to replace their current television provider. For me, and many others, it is a great way to save some extra money.

Do you use a streaming service or channel subscription instead of traditional cable? How much do you save? 

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Photo: Tom’s Guide

Secured vs. Unsecured Loans – Everything You Need to Know

If you have ever looked towards taking out any form of credit in the shape of a loan, then you more than likely would have come across the following terms: secured and unsecured loans. Loans typically fall into the two categories and each offer entirely different benefits and drawbacks that are important to rake note of before securing yourself with a loan. Security is one of the most important things to assess as it looks at how you will look towards making repayments and your ability to meet payments.

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