What Do You Need To Know Before Getting Cosmetic Surgery?

Cosmetic surgery is a very sophisticated yet a common procedure nowadays. People attribute their unfortunate circumstances and their mood swings to the features they don’t like on their body. But one must be very cautious before going for cosmetic surgery.Not all the problems or anxieties will vanish off by taking the route towards cosmetic surgery.It is often seen that people who can change their appearances by simple procedures such as brow waxing or eye-lift creams or skin tightening gels, unfortunately go under the knife to find a pleasant niche in their own body.1. One must consult a sought after cosmetic surgeon to rule out all the possible repercussions one may encounter after the surgery has been done. Because once done, the changes are not redeemable even if you like it or not. Moreover, one should always consider taking a second opinion before deciding to go for the surgery.


2. Health is an important aspect before you undertake cosmetic surgery. Always reveal your health and medical past to your surgeon. It is not a good idea to look esthetic outside while internally you are not fit at all.3. Always do a small research on your behalf to know the pros and cons of the surgery. Also take ideas of the experiences of the oneswho have already been under the knife to get beautiful faces. Take down notes of the surgery you are considering for yourself and make a list of all the benefits you are going to get. This written scenario will clear all the clouds of doubt and you will explicitly see your agenda.4. Along with a benefits list, make a list of possible complications you may face. Writing them down somehow prepare you with the possible side effects after the surgery. A veteran doctor might be of some help to you. Infections are the most common side effects of cosmetic surgeries. Since not always the procedure taking place or the instruments used are sterilized. Also post-surgery scarring is something that many cannot accept. But this is a bitter truth you might have to face though not always. Although you can always have a candid conversation with your surgeon about the scare hiding incisions and his technique of hiding scars.5. The image that you might have created before cosmetic surgery may not materialize the same way. One should be aware and prepared for certain amount of glitches here and there. A malpositioning of nose or wrong bent in the chin might prove disastrous and depressing. To avoid being anxious of the result, one must goal for a better looking face and not aim towards a particular renewed feature.6. After surgery, one must keep the time taken by the recovery period. It takes quite long to get completely recovered. With sessions of pains and feeling of stretchiness, you may have to take off from your office or workplace.


7. Cost is another factor that plays an important role in cosmetic surgery done. While considering the risks it comes with, one must take this crucial decision with complete wisdom. Spending so much of money to give you a desired look is not something that everybody can afford. So make the decision keeping all the other important aspects of your life in front of you and then prioritize your choice. Because there are so many other things that might require immediate attention.Considering these above factors, you can easily take a firm decision whether you are ready for the improvised version of yours after surgery or you are happy the way you are now.

Alternative Sources of Business Growth Finance: There Is More Than One Way to Fund Growth

Talk to any business owner or read the business section of any newspaper and you’re likely to come across stories of struggles to access sufficient finance to grow or maintain their business. But we are beginning to witness a change in how business owners access finance with many now actively seeking out alternative sources.

A survey carried out by the UK’s Forum of Private Business found that 26% of businesses were hunting out alternative financial products, with 21% seeking them outside of the traditional main High Street lenders. In fact, in another survey undertaken by the Federation of Small Businesses, it was discovered that only 35% of respondents used a traditional overdraft facility in 2011.

So, if banks are continually reluctant to lend to all but the lowest risk businesses, how can the remainder of the UK’s business population finance growth? Here are some of the increasingly popular alternative sources of finance to investigate.

Better Management of Working Capital

This may appear to be an odd source of finance but very often businesses are sitting on undiscovered cash reserves which can be used to finance growth. A report issued by Deloitte in 2011 revealed that the UK’s largest businesses were sitting on £60 billion of unproductive working capital. Inefficiencies in how working capital (debtors, stock and creditors) is handled can unnecessarily tie up your cash. Cash can be unlocked and released back in to the system thereby allowing self-financed growth plans by taking a close look at credit procedures, how credit terms are granted and how outstanding payments are chased.

Ensuring that stock is kept at an optimum level via better inventory management is another area where cash can be released to support and finance growth. Take a good look at your inventory management process and identify areas where cash is trapped.

Good management of working capital is not just about better control of debtors and stock, it is also about maximising the terms given by creditors. Are you too eager to maintain a first class relationship with your suppliers by paying well before the due date? You can positively impact your cash position by taking full advantage of terms offered by your suppliers. Have you fully leveraged your position by seeking an extensive of terms from say 30 days to 45 days?

Being more efficient in how working capital is managed can release sufficient funds to self-finance growth plans.

Personal Resources

With traditional avenues of funding being more difficult to access business owners are now looking to their personal resources to fund growth. Whether it be drawing on cash savings, using personal credit cards or taking additional mortgages on residential properties, such sources are an instant solution. A survey by the Federation of Small Businesses found that 33% of respondents had utilised their savings to fund growth. As well as being more immediately accessible using personal resources is often a cheaper source of finance.

Family and Friends

Sometimes referred to as the three F’s – family, friends and fools – this can appear to be a less stressful way of raising finance. In some ways it can but it can also be a journey fraught with danger. Tapping into their personal network business owners source finance by either seeking a loan and offering to pay an interest rate higher than that on offer on a High Street savings account, or offering a slice of equity in the business in return for investment.

Raising finance in this way can be relatively easy because the request and fulfilment is very much based on personal trust. Typically a Business Plan would be presented highlighting both the investment opportunity and the risks but at the end of the day success is down to the depth of the relationship and level of trust.

The danger in raising funds this way is that the nature of the relationship will change from that of a personal nature to a business transaction. Failure to regularly pay as per agreed terms, or even total failure to pay, can irreparably damage the relationship so tread with care.

Asset Finance

The Asset Finance industry is based on the concept of either preserving cash or speeding up access to it. Asset finance, which consists of invoice discounting, factoring and funding of asset purchases, has been available as a source of finance for many years, yet it’s only now gaining more recognition. Figures released by the Asset Based Finance Association, a trade association representing the industry, show that to the third quarter of 2011 the amount financed by the Association’s members increased by 9% compared to the same period in the previous year. Whilst the increase may not seem significant it is against the backdrop of a fall in traditional bank lending.

In a world where ‘cash is king’ asset financiers help preserve cash by financing the purchase of assets such as vehicles, machinery and equipment. Because the financier is looking to the underlying asset as security there is usually no requirement for additional collateral. According to the Asset Finance and Leasing Association one in three UK businesses that have external finance now utilise asset finance.

Asset financiers can help speed up the flow of cash within a business by allowing quicker access to cash tied up in the debtor book. An invoice discounting and factoring facility gives businesses the ability to immediately access up to 80% of an invoice instead of waiting for the agreed credit terms to run their course. Such finance facilities will speed up the velocity of cash within the business thereby allowing the business to fund a high rate of growth.

New players such as Market Invoice are entering the market to allow businesses to raise finance against selected invoices. Tapping into high net worth individuals and funds Market Invoice acts as an auction house with funders ‘bidding’ to advance against certain invoices.

Crowfunding and Peer-to-Peer

A relatively new phenomenon is the concept of raising finance by tapping into the power of the crowd. The historically low rates of interest payable on savings have led to depositors seeking out new ways to increase their returns. With business owners struggling to raise the funding they need it’s only natural that a market would be created to bring these two parties together.

CrowdCube entered the market in 2010 to match private investors seeking to be Dragons with those businesses looking to raise capital. Once a business passes the initial review stage their proposal is posted on the site and potential investors indicate the level of investment they wish to make with the minimum amount being as low as £10.

Businesses looking for a more traditional loan should consider Funding Circle. Established in 2010 Funding Circle also matches individual investors looking for a better return with those businesses seeking additional finance. Businesses can apply for funding between £5,000 and £250,000 for a period of 1, 3 or 5 years. As a minimum the business has to have submitted two years Accounts with Companies House and be assessed in order to arrive at a risk rating which guides potential investors.

As the crowd sourcing concept matures we are likely to see more players enter this market to capitalise on the need for better investor returns and easier access to business finance.

There is More Than One Way to Fund Growth

Accessing finance to fund growth plans does not have to be difficult if you are prepared to seek out alternative providers. Funding growth is now no longer the exclusive preserve of the traditional High Street bank and it’s now down to business owners to seek out the alternative routes.