By Arturo Ronzon

Tummy tuck or abdominoplasty, as it is known in medical terms is the best possible way to shape up your lower stomach when excessive fat accumulates around the lower abdominal muscles and it looses its elasticity. There are different types of tummy tucks for different cases. Some involve mild shaping up while other may require a complete operation for removal of the excessive fat and skin, tightening up the abdominal muscles and repositioning the naval.

Stats show that more and more people are opting for a tummy tuck, which is not only safe but also more affordable now (the cost is being reduced). Majority of people who delay tummy tuck do so because of the cost factor. The cost is high and usually between $2500 and $8500 for a tummy tuck, the cost depends upon the reputation of team you hire, length and complexity of the procedure along with the ancillary costs associated with the tummy tuck. The various factors which are effective in determining the cost for a tummy tuck are:

1. Surgeon’s Fees: the cost depends on the tummy tuck surgeon’s reputation.

2. Medical Tests cost: tests you need to undergo, before the actual operation, to be declared fit for the operation.

3. Operation Room Fees: a mild shapeup can be performed within a surgeon’s operation theatre while a major tummy tuck has to be performed in a hospital.

4. Anesthesiologist fees: depends on the team you are hiring.

5. Room/bed cost: If the tummy tuck was lengthy, complex and the surgeons believe that you have to be kept under medical supervision you’ll have to pay for the room/bed fees as well.

6. Post surgery cost: expenditures on post surgery medical prescription and specially designed compression garments.

A tummy tuck is more affordable today due to a number of reasons, first and foremost is that most of the surgeons are offering financing options. Insurance agencies may not cover the complete cost of a tummy tuck but certain procedures involved in the operation may be covered by your insurance policy. Most of the surgeons may refer you to professional financial advisors who offer financial advice, in some cases these advisors can prove that the tummy tuck is a medical necessity, in such a case your insurance carrier will have to cover the cost of the entire operation.

You may also want to talk to your insurance agency, informing them of your decision of to undergo tummy tuck surgery, as it may increase the cost of future premiums.

About the Author: Want to know more about Tummy Tucks, feel free to visit us at:

tummytucks.theknowledgesite.com

Source:

isnare.com

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By Jeanette Joy Fisher

Your credit report gets viewed by other people besides credit grantors. Potential employers and insurance companies can deny you employment, auto and home owner’s insurance based on your credit report. Understand your rights protected by The Fair Credit Reporting Act.

No matter what many credit counseling scam artists may try to tell you, no one can legally remove any information that is up-to-date and accurate from your credit report. They can’t do it, and you can’t do it yourself. However, you CAN request an investigation of anything you find in your credit file that you believe to be either incomplete or inaccurate. That is perfectly legal, and can be done at NO cost to you. In fact, anything that a credit repair company offers to do for you can be done yourself, generally free or for a nominal fee.

In fact, there’s a law that guarantees it. It’s called the Fair Credit Reporting Act (FCRA). Under provisions of the FCRA, you are entitled to receive a free credit report if a company denies your application for credit, employment, or insurance. You must ask for the report within sixty days of the refusal, and the company must tell you which credit reporting company they used, and provide you with their address and phone number. (The three nationwide companies most often used are Experian, TransUnion, and Equifax.)

The FCRA has made it mandatory for consumer credit reporting companies to correct information that’s incorrect or inaccurate. To correct inaccuracies, you must first contact the reporting company, in writing, telling them which information is incorrect or incomplete. In your correspondence, include copies of documents that will verify your claim. (Don’t send originals!) Clearly detail why each piece of disputed information is incorrect, and then ask that the inaccurate information be either corrected or removed from your file completely. It’s generally worthwhile to include a copy of the credit report itself, with each disputed item circled.

Once you’ve put your package together, send it to the company in question by certified mail, indicating “return receipt requested.” That will allow you to be certain that the company received your package. Also keep copies of everything for yourself, of course!

The FCRA makes it mandatory that the reporting company investigate each item you have disputed, often within thirty days, unless they consider your dispute to be unworthy of researching further. By law, they must also forward everything you have provided them on to whatever company or organization initially provided the disputed information in the first place. That provider must then review and investigate the situation and report back to the reporting company. If the provider has mistakenly provided inaccurate information, they must correct it with all three major reporting companies.

Once the investigation has been completed, the FCRA mandates that the reporting company must provide you with the results, in writing, and a free copy of the report if the investigation resulted in a change in your credit report information. You may also request that a copy of the amended credit report be sent to anyone who may have received the disputed report during the previous six months. If the report was given to potential employers, you have a right to request that a corrected report be sent to any employer who may have received the inaccurate report during the past two years.

Copyright Jeanette J. Fisher

About the Author:

Jeanette Fisher

teaches six ways to build credit.

Free credit ebook

“Credit Tips for Mortgage Financing”

worryfreecredit.com

Source:

isnare.com

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