Borrowing money and accessing credit is not cheap. Interest rates vary but these days, they do tend to be high – there is no avoiding it.Just a simple search on the internet and you will find many stories about people who have entered into loan agreements without doing the necessary checks and research. These people have ended up getting into worse financial trouble which resulted in terrible experiences with less than trust worthy lenders. Don’t be one of those people!Always make sure you are fully aware of your own financial situation, your earnings, your expenditure and exactly whether you can afford to borrow money, before you go ahead and commit to any loan or type of credit.If you don’t consider what you can truly afford you may find yourself struggling to pay back a loan which will result in further interest and charges making the whole situation worse and the debt larger.Always be careful. Think and then think again before applying for any type of loan or credit. Always do your research and find out all you can about the lender you are considering. Look for trusted companies who have a track record in the financial sector. Make sure they have transparent and clear terms and conditions and that they answer all your questions. Good companies will NEVER try to ‘sell’ you a loan. If this happens, don’t fall for it. Lenders are there to help you, they are NOT selling you a product!While you may be suffering from a financial emergency and in need of emergency cash very quickly, try, wherever possible to consider all the ways you can access the financial help you need. Only borrow money as a last resort.Consider whether you can put things off for a week or two until you are paid, or can you borrow the money form family possibly? Sometimes these options will help you out and prevent you having to borrow money.If you do not have these options and you do need to consider a short term loan, always take into consideration how much you will be paying back. You need to be certain that when your next wages is in the bank, you can pay off the short term loan fully so you don’t incur late payment charges.The amount you can borrow depends very much upon the lender you are considering and how much the loan costs. It also is dependent upon what you earn in your regular monthly wage.The most important this is that you are in employment and receiving regular income into an active bank account. If you can meet these requirements and you have calculated how much you can afford to borrow and pay back, then a payday loan can really be helpful in an emergency.Do as much research as you can before you complete an online application form. The best lenders will provide clear and easy to understand information on their websites. They usually have a good loan calculator too so you can work out how exactly how much a loan will cost you.Always check there are not hidden fees or additional costs associated with borrowing. Make sure, before you apply, that you are aware of exactly how the loan works.The best thing to do is to compare three or four reputable lenders. Compare their prices, their interest rates and their services to customers. This will give you a good picture of what the best option is. Your best option is the lender who can help you financially at a cost you can afford and who are responsible lenders who offer all the information you require before you apply.So, before you apply, check the terms and conditions; check the APRs and check their reputation. Don’t believe the hype and fancy advertising or classy looking websites!By doing these simple things you will find a trustworthy lender who has experience in the world of finance. They’ll be able to help you in your time of need and you’ll have the peace of mind knowing you can afford the loan and know you will be able to repay it when agreed.
Make Sure Borrowing a Payday Loan Is a Positive Experience for You!
S&P 500 Rallies As U.S. Dollar Pulls Back Towards Weekly Lows
Key Insights
The strong pullback in the U.S. dollar provided significant support to stocks.
Treasury yields have pulled back after touching new highs, which served as an additional positive catalyst for S&P 500.
A move above 3730 will push S&P 500 towards the resistance level at 3760.
Advertisement
Pfizer Rallies After Announcing A Huge Price Hike For Its COVID-19 Vaccines
S&P 500 is currently trying to settle above 3730 as traders’ appetite for risk is growing. The U.S. dollar has recently gained strong downside momentum as the BoJ intervened to stop the rally in USD/JPY. Weaker U.S. dollar is bullish for stocks as it increases profits of multinational companies and makes U.S. equities cheaper for foreign investors.
The leading oil services company Schlumberger is up by 9% after beating analyst estimates on both earnings and revenue. Schlumberger’s peers Baker Hughes and Halliburton have also enjoyed strong support today.
Vaccine makers Pfizer and Moderna gained strong upside momentum after Pfizer announced that it will raise the price of its coronavirus vaccine to $110 – $130 per shot.
Biggest losers today include Verizon and Twitter. Verizon is down by 5% despite beating analyst estimates on both earnings and revenue. Subscriber numbers missed estimates, and traders pushed the stock to multi-year lows.
Twitter stock moved towards the $50 level as the U.S. may conduct a security review of Musk’s purchase of the company.
From a big picture point of view, today’s rebound is broad, and most market segments are moving higher. Treasury yields have started to move lower after testing new highs, providing additional support to S&P 500. It looks that some traders are ready to bet that Fed will be less hawkish than previously expected.
S&P 500 Tests Resistance At 3730
S&P 500 has recently managed to get above the 20 EMA and is trying to settle above the resistance at 3730. RSI is in the moderate territory, and there is plenty of room to gain additional upside momentum in case the right catalysts emerge.
If S&P 500 manages to settle above 3730, it will head towards the next resistance level at 3760. A successful test of this level will push S&P 500 towards the next resistance at October highs at 3805. The 50 EMA is located in the nearby, so S&P 500 will likely face strong resistance above the 3800 level.
On the support side, the previous resistance at 3700 will likely serve as the first support level for S&P 500. In case S&P 500 declines below this level, it will move towards the next support level at 3675. A move below 3675 will push S&P 500 towards the support at 3640.
Photofacial – Anti-Aging Skin Care Treatments For Removal of Age Spots and Blood Vessels
Photofacial skin care treatments, also called IPL, short for Intense Pulsed Light, are very effective, no down time, safe methods for removing pigment, or brown spots, and excess or broken blood vessels from the facial skin. Browns spots, broken blood vessels around the nose, chin and cheeks are classic signs of sun damage and aging of the facial skin. Brown spots, often called age spots are caused by pigment that is produced by the skin to protect the skin from the harmful ultraviolet (UV) rays of the sun. New blood vessels grow into the skin in response to skin injury, first to wash out damaged skin debris and later to bring in healing factors. As our skin ages, the brown spots and broken blood vessels are left behind on the skin after the inflammation or skin injury has passed. These pigmented and red vascular spots create an aged variegated appearance to the facial skin which is called dyschromia, and is a sign of facial aging. Photofacial skin care treatments are the treatment of choice for benign facial skin pigmentation, age spots, brown spots and broken blood vessels and small red spots called telangiectasia on the face. Photofacial treatments are now preferred over laser treatments for these specific pigment and vascular lesions.What Causes Age Spots, Sun Spots, Red Blotches and Broken Blood Vessels on the Face Neck and Décolletage?Browns spots and broken blood vessels around the nose, chin, cheeks, neck, hands and Décolletage are classic signs of sun damage and aging of the skin. Brown spots, often called age spots are caused by pigment that is produced by the skin to protect the skin from the harmful ultraviolet (UV) rays of the sun. New blood vessels grow into the skin in response to skin injury by the sun. This process of new blood vessel growth is called inflammation.The new blood vessels bring blood into the facial skin first to wash out damaged skin cell debris and later to bring in skin healing factors.As our skin ages, the brown spots and broken blood vessels are left behind on the skin after the inflammation or skin injury has passed. These pigmented and red vascular spots create an aged variegated appearance to the facial skin which is called dyschromia, which is a sign of facial aging.Photofacial skin care treatments or IPL treatments are the non-surgical anti-aging skin care treatment of choice for benign facial skin pigmentation, age spots, brown spots and broken blood vessels, the small red spots called telangiectasia, on the face, hands, neck and Décolletage. Photofacial treatments are now preferred over laser treatments for these specific pigment and vascular lesions.How Do Photofacial or Intense Pulsed Light Non-surgical anti-aging Skin Care Treatments Work?Photofacial or IPL anti-aging skin care treatments use a bright flash of visible light, like the light of a camera flash to remove pigment and blood vessels non-surgically from the skin. This pulsed or flashed light is very different from a laser and in most instances, less powerful and less dangerous that laser light.I use a Photofacial IPL machine called the LuxGreen IPL made by Palomar Medical Laser Company in Burlington, Massachusetts. Palomar Medical is the premier manufacturer of Aesthetic Laser and Light therapy machines in the world. The LuxGreen Photofacial is the best Photofacial technology I have ever used. The LuxGreen Photofacial IPL machine is very effective and is the most comfortable for you the patient of any IPL device available.Photofacial skin rejuvenation works by passing a flash of bright light through a filter that only allows a specific color of light in the flash to pass through the filter and hit the skin. In the case of the LuxGreen Photofacial, only light with a wavelength of 550nm (nm=nanometers or one millionth of a meter and is the measure of the green light wavelength in the visible light spectrum) to pass through the IPL filter and hit the skin.The LuxGreen IPL 550nm light is selectively absorbed or taken up by the brown pigment in an age spot or the dark reddish brown color of blood in a blood vessel. When the Photofacial light energy is absorbed by the pigment or blood vessel, the heat from the Photofacial or IPL light destroys the pigment or blood vessel by heating it.This process is called Target Specific Photothermolysis. A specific target, that is a color, is heated (thermo) with a light (photo) beam and dissolved or destroyed (lysis).Using color filters placed in front of the Intense Pulsed Light beam, a wide variety of colors can be allowed through to treat many different skin conditions including hair removal (LuxRed), acne (LuxViolet), and others.What Will My Skin Look Like Immediately After a Photofacial Skin Care Treatment?Unlike lasers, which can cause the skin to peel and possibly leave scars, the Lux Green IPL treatments are very gentle on the skin. The pigment in the brown spot or age spot will darken very slightly, and the treated blood vessel will also darken a bit. However the skin will be intact. The treated areas may also be slightly pink for a few hours.We place ice or a cool pack on the treated area immediately and this also may make the skin pink. However, the pinkness may be covered with makeup immediately. You may return to work. And your skin will be nearly normal the next day.Does An Intense Pulsed Light Skin Care Treatment Hurt?There is minimal discomfort during an IPL care treatment. Anesthesia or numbing medicine is not required. When the IPL flash hits the skin you will feel a small snap or sting, but this is easily tolerated by all of my patients.How Many IPL Skin Care Treatments will I Need?Usually 3 IPL skin care treatments are required spaced 4-5 weeks apart for the best results. Multiple treatments are the price for gentle treatments that are not painful and do not injure the skin.Technically enough power can be used to remove the brown spot or blood vessel in one treatment, but this energy level would be painful, blister the skin and possibly leave a scar. This is what happened with old time laser treatments, and the new IPL is designed to remove pigment and blood vessels painlessly and with no trace or scar left behind. To accomplish this we need to stage the removal in 2-3 treatments 4-5 weeks apart. The results are well worth the wait.How Soon after My Intense Pulsed Light Skin Care Treatment Will I See a Result?Generally you will see the results of your IPL skin care treatment at 4-5 weeks. The brown spot will be lighter or gone and the red spot or blood vessel will be much smaller. Some patients with thin skin and very light pigment or small broken blood vessels will see complete removal after one treatment.However most people see definite improvement 5 weeks after the IPL treatment and require 2 more treatments for complete removal.How Many Intense Pulsed Light Skin Care Treatments Will I Need?If you have very fair thin skin with minimal sun damage and very light pigment or very tiny blood vessels you may only need one IPL treatment. However most people need 3 treatments scheduled 4-5 weeks apart for a complete result.Who Should I Consult For My Intense Pulsed Light (IPL) Skin Care Treatment?The best IPL machines are found in a physician’s office. Less powerful IPL machines are allowed to be used in Spas, but results are not as effective with these downgraded machines. In my experience patients do not get the results that they want in a spa, and often come to my practice for repeat treatments with the LuxGreen IPL after having already spent money for IPL in a spa.The other benefit of having your IPL treatment in a physician’s office is that you will be examined by a doctor who can properly diagnose your skin condition. Some brown lesions are dangerous and require medical evaluation and should not be treated with Intense Pulsed Light. If you have Rosacea or larger blood vessels on your face, a different therapy is required. These are medical treatments and should be done in a doctor’s office. Your skin will be evaluated for more serious skin conditions, and you will receive more effective Intense Pulsed Light skin care treatments.How Do I Find a Good Doctor to Do My Intense Pulsed Light Skin Care Treatment?Light based and laser non-surgical skin rejuvenation treatments are best done by a doctor who is well trained and specializes in anti-aging skin treatments. Your safest bet is to seek consultation with a board certified plastic surgeon or dermatologist who has experience in laser and light based therapies such as Intense Pulsed Light.I am of course prejudiced because I am a board certified plastic surgeon. However, a plastic surgeon is trained and capable of providing the full range of non-surgical and surgical skin anti-aging procedures and can customize your skin treatments to your unique face. Doctors who cannot provide all treatments are tempted to “fit your unique face” into the particular skin treatment they offer, and that is not the best situation for you.Good sources of honest objective information about choosing a physician are available at the following links:American Society of Plastic surgeonsAmerican Society of Aesthetic Plastic Surgeons