Feem ntau cov txheej txheem phais yas yog xaiv lossis phais kom zoo nkauj uas tsis tau them los ntawm kev pov hwm kev noj qab haus huv. Coob leej neeg xaiv kom muaj kev phais yas vim nws pab lawv zoo siab txog lawv lub cev. Cov nqi sib txawv, nyob ntawm tus kws kho mob thiab tus txheej txheem. Them nyiaj rau kev phais yas los ntawm kev txuag nyiaj rau tus txheej txheem, lossis pab nyiaj txiag kho mob los ntawm lub tsev txhab nyiaj lossis kws kho mob lub chaw haujlwm.
Cov kauj ruam
Txoj Kev 1 ntawm 3: Siv Daim Npav Credit
Kauj Ruam 1. Nqa daim npav rho nyiaj kho mob
Daim npav rho nyiaj kho mob tau nquag muab los ua qhov kev xaiv rau cov neeg saib mus rau kev phais yas. Ib qho piv txwv tshiab, daim npav rho nyiaj kho mob ua haujlwm zoo ib yam li daim npav rho nyiaj ib txwm tab sis tsuas yog tuaj yeem siv rau lub hom phiaj kho mob.
- Daim npav rho nyiaj kho mob feem ntau txaus siab vim tias lawv yooj yim kom tau txais thiab tuaj nrog 0% kev txhawb nqa thiab tus nqi qis. Raws li koj tsuas tuaj yeem siv daim npav rho nyiaj kho mob rau lub hom phiaj kho mob, cov nyiaj uas koj tuaj yeem siv tau yog qhov txwv me ntsis. Qhov no tuaj yeem ua los tiv thaiv kev siv nyiaj ntau dhau.
- Nco ntsoov koj them rau cov txheej txheem thaum koj mus yog tias koj siv daim npav rho nyiaj kho mob. Tej zaum koj yuav raug ntxias, muab txoj kev ywj pheej uas daim npav muab, them rau kev phais mob ua ntej. Txawm li cas los xij, tsis muaj kev lees paub tias koj yuav xav ua haujlwm txuas ntxiv yog tias koj zoo siab nrog cov txheej txheem pib. Tsuas yog them rau yam koj tuaj yeem tsim nyog muaj peev xwm them taus thaum kawg thiab tsuas yog them rau cov txheej txheem raws li lawv tau teem tseg.
Kauj Ruam 2. Siv koj daim npav rho nyiaj uas twb muaj lawm
Yog tias koj tsis xav thov lwm daim npav rho nyiaj, koj tuaj yeem siv daim npav uas twb muaj lawm los them rau tus txheej txheem. Qhov no tuaj yeem yooj yim dua li tab tom thov txheej txheem rau daim npav rho nyiaj kho mob.
- Lub hauv paus tseem ceeb rau kev siv koj daim npav rho nyiaj tam sim no yog tias nws yog txoj hauv kev nrawm, tsis yooj yim los them rau tus txheej txheem thiab tuaj yeem pab tsim koj li credit. Txawm li cas los xij, nco ntsoov koj daim npav tuaj nrog tus paj laum qis vim tias kev phais yas yog kim. Nws yuav siv sij hawm koj li ob peb hlis los them qhov koj tshuav.
- Yog tias koj siv koj daim npav rho nyiaj los them rau tus txheej txheem, tsis txhob them nqi ntau ntxiv rau daim npav. Tsis txhob siv daim npav uas nqa ntau dua 10% tus paj laum. Xyuas kom tseeb tias koj cov credit qiv loj txaus los npog cov txheej txheem.
Kauj Ruam 3. Paub koj tus kheej nrog kev pheej hmoo
Siv daim npav rho nyiaj los them rau kev phais yas tuaj nrog qee yam txaus ntshai. Xyuas kom koj tau paub txog qhov tsis zoo ua ntej txiav txim siab them koj cov yas phais rau daim npav.
- Ceev faj heev koj tab tom ua haujlwm nrog lub tuam txhab muaj koob npe nrov thaum nqa daim npav rho nyiaj kho mob. Muaj cov neeg qiv nyiaj ua ntej hauv lub ntiaj teb kev kho mob thiab feem ntau cov paj laum uas tsis tau pom zoo thaum xub thawj tau thov rov qab los. Tsis tas li, daim npav rho nyiaj kho mob tuaj yeem nruj heev txog kev them nyiaj. Yog tias koj tsis them nyiaj, APR tuaj yeem nce mus txog 30%.
- Yog tias koj tso qhov kev yuav khoom loj ntawm koj daim npav rho nyiaj uas twb muaj lawm, koj tuaj yeem yooj yim tshaj tawm nws. Qhov no tuaj yeem tsim kev puas tsuaj rau koj qhov qhab nia qiv yog tias koj tsis tuaj yeem them nyiaj raws sijhawm. Koj kuj yuav tsum nco ntsoov ua tus account rau taug qab cov txheej txheem. Lub ntsej muag nqa, piv txwv li, feem ntau xav tau kev phais ntau dua ua ntej cov txheej txheem raug txiav txim siab tiav. Koj tsis xav nyob hauv txoj haujlwm uas koj xav tau lub ntsej muag thib ob ua ntej koj tau them tus nqi rau thawj tus.
Txoj Kev 2 ntawm 3: Tshem Tawm Cov Qiv
Kauj Ruam 1. Tshem tawm cov nyiaj qiv hauv tuam txhab
Qhov kev pheej hmoo qis tshaj rau kev rho nyiaj qiv rau kev phais yas yog qiv nyiaj yooj yim. Yog tias koj ceev faj txog kev siv daim npav rho nyiaj, txiav txim siab rho tawm tus kheej qiv nyiaj los ntawm koj lub txhab nyiaj.
- Cov nyiaj qiv hauv tuam txhab muaj tus paj laum ruaj khov thiab lub sijhawm tas sijhawm uas koj yuav tsum tau them. Qhov no tiv thaiv koj los ntawm kev nce nyiaj ntau ntawm kev txaus siab rau lub sijhawm. Cov nyiaj qiv hauv tuam txhab tseem tuaj yeem pab koj qhov qhab nia qiv nyiaj, tshwj xeeb tshaj yog tias koj tsis tau rho tawm cov nyiaj qiv ua ntej.
- Txawm tias muaj paj tsawg, nco ntsoov cov paj laum ntawm cov nyiaj qiv tseem tuaj yeem ntxiv me ntsis rau tus nqi kawg. Sim nug kom qiv nyiaj ruaj ntseg yog tias koj paub tias koj tuaj yeem them nyiaj raws sijhawm.
Kauj Ruam 2. Saib mus rau qhov qiv nyiaj kho mob tsis muaj kev pov hwm
Nyob ntawm koj qhov xwm txheej nyiaj txiag thiab qhab nia qiv, lub txhab nyiaj yuav tsis pom zoo qiv nyiaj rau kev phais kom zoo nkauj. Yog tias qhov no yog, koj tuaj yeem saib mus rau lwm hom qiv nyiaj. Ib yam xws li yog qiv nyiaj kho mob uas tsis muaj kev pov hwm.
- Cov qiv nyiaj kho mob tsis muaj kev nyab xeeb feem ntau yog kev sib koom tes los ntawm cov neeg thib peb. Koj tus kws kho mob yuav tuaj yeem ua tus neeg thib peb los pab koj kom tau txais kev qiv nyiaj kho mob yam tsis muaj kev pov hwm. Nov yog qhov kev xaiv zoo yog tias koj muaj qhab nia qis thiab muaj teeb meem ruaj ntseg nyiaj los ntawm lwm txoj hauv kev.
- Cov paj laum ntawm cov hom qiv no tuaj yeem siab heev. Koj kuj tseem yuav xav tau tus neeg kos npe kos npe thiab yog tias koj ua tsis tau them koj li kev tsis saib xyuas yuav cuam tshuam rau tus neeg kos npe kos npe tus qhab nia. Ib txwm nyeem cov ntawv luam zoo thaum rho nyiaj qiv ntawm hom no. Yog koj muaj lus nug, sab laj nrog kws lij choj.
Kauj Ruam 3. Siv koj li 401K
Yog tias koj muaj 401K koj tuaj yeem thim tau txog 50% ntawm qhov nyiaj tshuav. Cov nyiaj them rov qab yuav raug txiav tawm ntawm koj daim tshev nyiaj. Thaum qhov no tso cai rau koj kom zam cov paj laum thiab tiv thaiv koj kom tsis txhob them nyiaj, qhov no tuaj yeem cuam tshuam rau koj cov se. Koj yuav poob qee yam txiaj ntsig se lossis yuav tsum tau them se ob zaug rau qee tus nqi. Tham nrog tus accountant ua ntej rho nyiaj tawm ntawm koj 401K.
Kauj Ruam 4. Nqa nyiaj qiv tsev ncaj ncees
Yog tias koj yog tus tswv tsev, qiv nyiaj ncaj ncees hauv tsev tuaj yeem pab them rau kev phais kom zoo nkauj. Cov nyiaj qiv no siv koj lub tsev raws li kev txhawb zog thiab cov nyiaj tau los raws li koj cov nyiaj qiv tsev tam sim no.
- Raws li cov nqi tsev nyob hauv keeb kwm qis, qhov no tuaj yeem tsim nyog rau tus tswv tsev. Nws tseem yog txoj hauv kev yooj yim kom tau txais cov nyiaj xav tau ua ke. Txawm li cas los xij, kev lag luam vaj tsev nyob yog qhov hloov pauv heev. Yog tias muaj dab tsi yuav tshwm sim thiab koj yuav tsum tau muag koj lub tsev, tau tshem tawm cov nyiaj qiv nyiaj ncaj ncees hauv tsev tso koj rau hauv txoj haujlwm nyiaj txiag tsis yooj yim.
- Kev qiv nyiaj ncaj ncees hauv tsev tau yooj yim kom tau txais tab sis raws li lawv muaj qhov pheej hmoo me ntsis lawv yuav tsum yog qhov kawg.
Txoj Kev 3 ntawm 3: Them Los Ntawm Lwm Txoj Kev
Kauj Ruam 1. Txuag
Yooj yim txuag yog tej zaum qhov kev xaiv zoo tshaj plaws. Muab cov nyiaj me me tso rau lub sijhawm kom ntseeg tau tias koj yuav muaj txaus rau cov txheej txheem thiab yuav tsis tas yuav rho nyiaj lossis siv daim npav rho nyiaj. Nws yog qhov zoo tshaj kom tau txais nyiaj ua ntej rau feem ntau ntawm kev phais kom hniav zoo nkauj. Qhov teeb meem tseem ceeb, txawm li cas los xij, yog tias koj yuav tsum tau tos lub hlis lossis ntau xyoo kom ruaj ntseg cov nyiaj tsim nyog.
Kauj Ruam 2. Qiv los ntawm tsev neeg thiab phooj ywg
Yog tias koj tsis tuaj yeem ruaj ntseg qiv lossis siv daim npav, sim qiv nyiaj los ntawm tsev neeg thiab phooj ywg. Kev cia siab ntawm kev them rov qab yog hloov pauv tau ntau dua thiab yuav zoo li yuav tsis yog tus paj laum.
- Yog tias koj them nyiaj lig, koj cov neeg hlub yuav tsum nkag siab. Yog tias koj muaj ib yam dab tsi sau, koj tuaj yeem pom zoo rau cov lus yooj yooj yim thiab qis kom tsis muaj paj laum. Nws tuaj yeem yog txoj hauv kev nrawm, tsis muaj teeb meem kom ruaj ntseg cov nyiaj.
- Qhov teeb meem tseem ceeb ntawm kev qiv nyiaj los ntawm cov phooj ywg thiab tsev neeg yog tias nws cuam tshuam rau koj kev sib raug zoo. Tib neeg nquag poob nyiaj ntau dua. Yog tias koj tsis tuaj yeem them nyiaj lossis tsis ua raws qhov kev pom zoo koj tuaj yeem xaus kev sib cais los ntawm ib tus neeg hlub.
Kauj Ruam 3. Nug txog kev npaj them nqi
Cov kws kho mob tuaj yeem tuaj yeem ua phiaj xwm them nyiaj nrog koj. Txoj kev no, koj yuav tsis tau them tus nqi tag nrho ua ntej.
- Txog tus kws kho mob txoj phiaj xwm them nyiaj, cov nyiaj poob los yog lig yog tsis tshwm ntawm daim npav rho nyiaj. Feem ntau tsis muaj paj laum. Cov kws kho mob feem ntau yoog raws txaus uas lawv tuaj yeem tsim txoj phiaj xwm uas ua haujlwm rau koj cov kev xav tau tshwj xeeb.
- Qhov teeb meem tseem ceeb yog cov nyiaj qiv tsis tau them tseem tuaj yeem mus rau kev sau nyiaj. Qhov no tuaj yeem ua puas rau koj cov qhab nia qiv. Nws kuj tseem tuaj yeem cuam tshuam koj kev sib raug zoo nrog koj tus kws kho mob. Nws lossis nws yuav tsis txaus siab pab koj yog tias koj xav tau cov txheej txheem yav tom ntej.
TSWV YIM TSHUAJ
marc kayem, md
plastic surgeon dr. marc kayem is a board certified otolaryngologist and facial plastic surgeon based in beverly hills, california. he practices and specializes in cosmetic services and sleep-related disorders. he received his doctorate in medicine from the university of ottawa, is board certified by the american board of otolaryngology, and is a fellow of the royal college of surgeons of canada.
marc kayem, md
plastic surgeon
consider asking your doctor if you can negotiate the cost of the procedure
when you're considering having a procedure done by a physician, a little bit of minor negotiation is fine. you don't want to haggle over the price of every little thing, but if you ask for a quote and it's a little out of your budget, it can't hurt to respectfully ask if they can go down maybe 10% below that rate. just remember that what you're paying for is the experience of the person doing the procedure, their technique, and the lack of side effects.
tips
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