By Mike Schlacter

If you have recently been on a diet and lost a lot of weight then you may find that you are left with a lot of skin that has lost its elasticity, if this is the case then you may be considering abdominoplasty or a tummy tuck.

Today more people are having plastic surgery and it seems that we never stop hearing about different celebrities and their latest face lift, breast implant or tummy tuck – however, we don’t all have celebrity budgets and tummy tucks can be quite expensive.

If you have a tummy tuck then it can get rid of all the loose skin that is the result of drastic weight loss, or if you have unsightly stretch marks after pregnancy then you might want to go for a partial tummy tuck, which is a bit cheaper than a full one but still expensive. Unfortunately medical insurance will not pay for this type of procedure because it is regarded as elective surgery, i.e. surgery that you have chosen to have rather than surgery that you need to have.

Do some research and then choose one or two cosmetic surgery clinics either in Dallas or wherever you live and then make an appointment to see a surgeon. Most surgeons will be able to tell you how much the procedure will cost – this may be two to five thousand dollars for a partial tummy tuck and five to ten thousand dollars for a complete tummy tuck. But the costs don’t stop there, these costs are for the procedure itself, if you have a complete tummy tuck then it is highly likely that you will be a hospital in patient for the first two or three days – this means that you have to add this on to the price that the surgeon quotes you, although you may be lucky and find that hospital costs are included with the surgery.

The next thing that you need to consider when working out tummy tuck costs is how much you will lose in salary if you are off work for a couple of weeks or more, once you have done this you will have the real cost of a tummy tuck. A tummy tuck is not a minor operation as it involves making an incision that goes from one hip to the other as well as re-positioning the navel, which is why you should allow for a fairly long down time or recovery period.

If you really do need the procedure, and some people who have lost a great deal of weight may feel that a tummy tuck is a real necessity if they are to live a normal, happy life – then you may find that a clinic that has an easy payment plan where you don’t have to come up with the whole cost straight away. If you can’t find a clinic that offers payment terms then you might want to consider applying for a loan to cover the costs of your tummy tuck.

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By Benjamin Robert Ehinger

What to Know About Getting a Car Loan, Bad Credit Does Not Matter

When you need a car loan, bad credit pending you need to know how to get the right loan without any issue. Credit is something that holds many people back, but it does not have to. You can get a car loan, bad credit approved without any issue and you can do this right online. There are many lenders that can help you with online bad credit car loans.

Are you in need of a vehicle and you need to get it fast? Do you need to get a car loan, but you know you have bad credit? Car loan, bad credit not a big deal, type of lenders are all over the place. You can get your loan regardless of your credit by following these steps.

How to Find a Car Loan, Bad Credit Approved Online

First, if you know that you have multiple repossessions and absolutely horrible credit you need to go ahead and hit up that buy here, pay here lot you were thinking about going to. Just make sure you get some sort of warranty and they will report to your credit for you. Also, get the vehicle checked out by a mechanic before you purchase it and not their mechanic.

Second, you can get online to get your car loan, bad credit approved. There are plenty of places you can go online to get your loan. These include My Auto Loan, Road Loans, Bar None, and a handful of others that are more local to certain areas. Just be honest with them and they will work with you as best they possibly can.

Third, if you have been banking at the same place for many years and you hold any type of retirement account or investment with them that has some value, then they will probably be willing to loan you money against it and the vehicle. This is about the only way a bank will do a car loan, bad credit not an issue, for anybody.

A Few Tips for Getting a Car Loan, Bad Credit Considered and Approved

When you have bad credit one of the things that can really help you with getting the right car loan is having a nice amount to put down. If you can put down at least $1,000 you can usually get a car loan for a used car or a new car. Since the economy is not as good as it used to be it is easier to get a car loan with bad credit.

Bad credit does not have to stop you and if you can afford the payment you can get approved. This is very easy to prove if you work a job and you just need a couple of current pay stubs to help you prove your income. Something else to know is that if you have any extra income you need to find a way to prove this as well.

Getting a loan for a vehicle when you have bad credit is not as hard as it used to be. You do need to make sure you can afford the payments and it is a good idea to have an emergency fund for repairs and even a third party warranty if you can get one for the vehicle you are after. This will help to protect your vehicle when you get a car loan, bad credit approved.

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Auto Loans with Bad Credit

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By Sean A. Kelly

If you are grappling with piles of unpaid bills, paying off these debts with an unsecured debt consolidation loan could be an option that you may like to consider. You may qualify for such a loan but the problem with this type of loan is that unless you have very good credit, the interest rate charged for an unsecured personal loan may actually be more than what you are currently paying for your other bills. But if you manage to get a personal loan with an interest rate lower than the average interest rates being charged on your current debts, paying off these debts with an unsecured debt consolidation loan could improve your financial situation. It can indeed be worthwhile to try debt consolidation which would roll multiple lines of your debt into one new loan or debt consolidation program.

There are various debt consolidation options available to consumers and it might be a good idea for you to get in touch with different lenders to find out how personal loan debt consolidation may be useful for you. If you find that the interest rates offered are less than the average rate you are currently paying on your debts, then you may like to consider consolidating your debts with an unsecured personal loan. In order to start tackling large debt, debt consolidation with a debt resolution firm can be a great form of debt relief. You can very well go in for personal loan debt consolidation services which can help you consolidate your varying debt into one manageable payment and even establish a payment schedule for you and your creditors. But it may be a good idea to know if you need to just lower your rates, get better terms or if you need substantially lower debt payments to or even principal reduction to get you debt free in a more aggressive solution.

Going for an unsecured debt consolidation loan can be a good idea if you have good credit and are able to negotiate a low enough interest rate to suit your needs. But if you are unable to do so and own a home, a secured debt consolidation loan may be what you can go for. A secured debt consolidation loan is essentially a home equity loan which is used to pay off your other creditors. Secured consolidation loans help many consumers by consolidating all of their debts into a single monthly payment with a lower interest rate and payment amount. But what you must keep in mind while going in for this type of loan is that you would be converting what was previously unsecured debt into secured debt. This may lead to some hardships for you if for some reason you are unable to make your payments, or if life circumstances force you to file for bankruptcy, as you may not be able to discharge the secured debt as you would unsecured debt. However, if you are confident of your repayment capability and have considered this option carefully, a secured debt consolidation loan may very well work for you.

The most important thing to keep in mind when reviewing debt consolidation options is that no one debt consolidation service fits all consumers. It may be a good idea for you to know what your options are keeping in mind your financial goals before choosing a debt consolidation program or company. It is always advisable that you consult your loan officer or financial planner to decide which option would best suit your needs.

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By James Dimmitt

I have three major credit card accounts that I’ve had for many years. The other night I was reconciling my monthly statements and noticed a large discrepancy in the APR’s (annual percentage rate) I was paying on these three accounts.

My first card, card “A”, has an APR of 8.9%; card “B” has an APR of 9.9%; and card “C” has an APR of 17.9% -Ouch ! I knew I had to see what I could do about this”out of range” interest rate on card “C”. So I considered a couple of options.

One choice would be to transfer or switch the balance on card “C” to a new card with a lower APR. This would be very easy to do since I had received several pre-approved credit card offers earlier in the week. They included “convenience checks” that I could use to payoff that high APR credit card, thereby transferring that balance to a new account.

I decided against this option however because I didn’t really want to add another account to my credit profile. Your credit score, that “magic number” that establishes your credit-worthiness to merchants can be affected negatively by having too many accounts.

So instead I decided to contact the issuer of credit card “C” to see what they could do about that 17.9% APR which seemed so out of line with my two other credit card accounts. I reasoned this was the better of the two options before me since I’ve already established a relationship with this company; a relationship which included many years of on-time payments which reflects positively in my credit profile with the credit bureaus.

I called the 800 number and talked to a very a nice gentleman. I explained to him the reason for my call; two other credit card issuers offered me a much more reasonable interest rate and so I’d like to see what his company could offer to me.

I wasn’t surprised when he replied that he could lower my current rate from 17.9% to 15.9%. Since the credit card company makes a profit from the interest rate they charge I didn’t expect to be offered the best or lowest rate right off the bat. I prepared myself to have to do a little negotiating.

And so I reminded him that my account was in goodstanding and had been for many years now. I had not made any late payments and always made more thanthe minimum payment due.

Again he informed me that the best he could offer was a rate of 15.9% that would be good until August 2003. So now not only was I not feeling like I was getting a very good deal but this new rate would only be a “promotional” rate !

I remained calm and friendly, knowing that yelling at him or telling him what a “lousy” company he worked for would be counterproductive to my end goal – a lower and better APR for this account. I thaned him for his time but told him I didn’t feel this was a very good offer.

And then the “magic” happened. He asked if I would like to speak to an account manager and that perhaps they could better assist me. I thanked him for his time and assistance and was then transferred to an account manager.

I explained my dilemma to her and reasoned with her that as a good customer I expected a much better rate. She empathized with me and then offered to upgrade my account to their platinum status which carried an APR of 9.9% ! In addition, the platinum card offered many more benefits and had no annual fee. She also assured me that this was a “contract rate” and not a promotional rate. I would keep the same account number so I would not be opening a “new” account but simply upgrading my current account status.

Next time you are reconciling your monthly statements take a close look at the various APR’s you are paying. If you notice a disparity in the rates you are paying, call your card issuers to negotiate a better rate. My persistence paid off. Be persistent – it can pay off for you too!

About the Author: 2005,

yourfreecreditreportnow.com Author: James H. Dimmitt James is editor of To Your Credit a FREE weekly newsletter focusing on managing your personal finances and credit. Subscribe and get a FREE copy of your credit report when you visit: yourfreecreditreportnow.com

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By Simon Volkov

Real estate short sale agreements have been offered for years, but have only become popular since the banking crisis occurred. Lenders sometimes enter into short sale contracts to avoid the expense of foreclosure. In essence, banks allow borrowers to sell their house for less than owed on the mortgage note.

The real estate short sale process can take several months to complete. The first step involves providing financial records to an assigned bank loss mitigator to determine if borrowers and their property are eligible for short selling. Borrowers must be in serious financial distress and cannot own valuable assets which could be sold to satisfy the loan balance.

Bank loss mitigators are responsible for many facets of mortgage default. They often handle loan deferments, loan modifications, real estate forbearance, mortgage refinance, deed in lieu of foreclosure, foreclosure, and short sale transactions.

One of the biggest frustrations borrowers face is the length of time it can take to make direct contact with lenders. However, borrowers must be persistent in their efforts to obtain a successful outcome. If necessary, send a certified letter with a return receipt request which requires lenders to sign the receipt to acknowledge they received documents.

Short sales are handled differently by each lender. Some banks require borrowers to have a qualified buyer in place before granting short sale approval. Others grant borrowers’ time to list their home for sale through a realtor. In rare instances, mortgage lenders allow borrowers to list the property as for sale by owner.

Locating a realtor to list short sale property can sometimes be challenging. Agents can be required to reduce commission rates to expedite quick sale of the home. In addition to reduced commissions, real estate short sales require additional paperwork to document the sale.

It is the responsibility of the mortgagor to understand lender requirements. Those who aren’t comfortable going through the short sale process on their own should consult with a real estate lawyer or short sale specialist. Private real estate investors can be a good source as well. Many investors have negotiated with banks to purchase short sale real estate as investment property.

Most banks require borrowers to be a minimum of 31 days delinquent before discussing the option to short sell. Property owners with accrued home equity normally do not qualify for real estate short sales. However, if extenuating circumstances surround the borrower’s ability to pay future loan payments, lenders may consider this option.

Individuals who have recently lost their spouse to death or divorce, or borrowers enduring chronic or terminal health issues might be granted short sale approval. Much depends on the policies of the lender. Borrowers facing these types of problems should talk with their lender to determine available options.

Mortgagors must determine the type of short sale offered by their lender. Most banks hold borrowers responsible for deficiency amounts between the sale price and loan balance. Once the property is sold banks can demand payment in full.

If borrowers cannot pay the deficiency in full, banks can obtain court ordered deficiency judgments. If borrowers do not establish a payment plan to pay the deficiency amount, banks can garnish wages until the debt is fully paid.

The goal of real estate short sales is to obtain a payment in full agreement. This option lets borrowers walk away from the property without owing additional funds. However, short sales are reflected in credit reports as foreclosure and debtors will witness a reduction in credit scores. Debtors should immediately engage in credit repair strategies to offset the blemish of short selling.

About the Author: Real estate investor, Simon Volkov shares insider-secrets for improving chances of obtaining real estate short sale approval in his popular book, Short Sale Hardship Letter eBook Course. Order your copy today at ShortSaleHardshipLetter.com.

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