Yep getting a HT isn't cheap, the lads have given some sound advice on here. Basically the best thing to do is to try and save the money.

But when you have researched HT's thoroughly, found the right doc and feel you need work doing right away it is going to be hard to wait and save.

For my first HT I paid the money out right and for my 2nd I hadn't saved the hole sum up so I paid for the majority and put the rest on a credit card. The advantage of my credit card is that I don't have to pay any interest until January next year and by then I should of paid it off.

What im saying is if someone needed work done pretty soon and had not saved up the hole sum, try and get hold of a 12 month interest free credit card and to pay the remainder off with that.

__________________
2600 grafts Dr Feller 28/01/08
3024 grafts Dr Feller 15/01/07

Another great reason to wait until you are past 30 for a HT.. Yes, it is pricey and one of the key reasons why I had 3 HT's. This way I could spend about 8k a shot and spread it out over 3 years..

I thought the Rich guy beautiful women example was a good discussion.. Funny how a woman can have no problem having "special" qualifications about a potential mate, i.e. rich .. Oddly enough this woman should not complain when she is 35 and this guy dumps her for a younger woman .. Really it is the same, thing. A person looking for ONLY superfical qualities which will fade over time.. Once it is gone there is no relationship left.. A bit of a double standard I would say.

She should not blame him for the same reasoning she used in the first place

__________________
JOBI

1417 FUT - Dr. True
1476 FUT - Dr. True
2124 FUT - Dr. True
604 FUE - Dr. True







My views are based on my personal experiences, research and objective observations. I am not a doctor.

Total - 5621 FU's uncut!

"Keep in mind too, that if one hair transplant won't meet your goals, you are going to want to develop not only a long term hair restoration plan, but a long term financial plan to cover all that you will need done."

You know, that is good point to mention. If one is going to need 2-3 sessions, there must be a long term financial plan that corresponds to the long term surgical one. Nobody needs a drawn out and unexpected financial burden.

__________________
Notice: I am an employee of Dr. Paul Rose who is recommended on this community. I am not a doctor. My opinions are not necessarily those of Dr. Rose. My advice is not medical advice.

Dr. Rose is a member of the Coalition of Independent Hair Restoration Physicians.

Anyone pay with their ht surgery straight with credit card?

As a financial advisor, I would say that if you can't afford to pay cash, you should go bald. Think about it - bald or in debt? Which is better? Being vain is not worth it.

I hear you, and I too am a CFP. However, there is such a thing as good debt and I don't see how anyone wouldn't agree the benefits (in some cases) of correcting a bald look couldn't be good debt.

There are things in life you should never borrow for, but this doesn't rise to that standard. A lot of things to factor in, but a little debt is better than being bald, imo.

If you've got a loan on a car or something else, sell that to whipe out some debt. Yes, everyone should save if possible, but if someone has their finances properly managed there is no reason they can't have the financing option.

If I'm earning $100k a year with only a $1k mortgage, I can't afford to put 8 grand on a cc and pay it off over a year??

I know people with plenty of money who still have some debt.

Good debt? If people in this country had to operate strictly on what they could pay cash for, it would be like 1890. I'm not a proponent of too much credit, but come on?

__________________
100? 'mini' grapfts by Latham's Hair Clinic - 1991 (Removed 50 plugs by Cooley 3/08.)
2750 FU 3/20/08 by Dr. Cooley

My Hair Loss Website - Hair Transplant with Dr. Cooley

Current regimen:
1.66 mg Proscar M-W-F
Rogaine 5% Foam - every now and then
AndroGel - once daily
Lipitor - 5 mg every other day
Weightlifting - 2x per week
Jogging - 3x per week

Debt can be beneficial from a cost of capital standpoint in a number of instances. If your individual asset portfolio has cash and you are deciding whether or not to use the cash or take on debt, you must consider the cost of capital.

For example, if you take $10K and invest it in an asset class that will provide you with a return above the cost of debt, after taxes, you would be better off using the debt. Keep in mind, this also is dependent on your personal risk apetite.

__________________
Dr. Feller - 3,168 grafts on 3/27/08

http://www.hairtransplantnetwork.com....asp?WebID=689

Or, more importantly in my opinion, you look and feel awful because you're 22 and have premature thinning, a bad previous ht that's killing your confidence, or have a low debt to income ratio and want to make a meaningful improvement in yourself.

I'd say, while hard to measure, Mr. Jotronic, Bill, and some of the others might earn more now than they did when they were hid out under a hat or afraid to go out in public.

I was fortunate enough to have the money to pay for mine last week, but I think in a few months my earning power will increase just because of the new confidence I will have.

Even if I'd paid 9% interest? Probably still.

__________________
100? 'mini' grapfts by Latham's Hair Clinic - 1991 (Removed 50 plugs by Cooley 3/08.)
2750 FU 3/20/08 by Dr. Cooley

My Hair Loss Website - Hair Transplant with Dr. Cooley

Current regimen:
1.66 mg Proscar M-W-F
Rogaine 5% Foam - every now and then
AndroGel - once daily
Lipitor - 5 mg every other day
Weightlifting - 2x per week
Jogging - 3x per week

There are alot of factors which will come into play for bleachcola. If he does decide to take a credit card debt? Will he be able to pay the financing if he is able to get 1 year with no interest. If he is not able he will be paying off the interest after that year and that is costly. How is this guys credit and what type of interest will he recieve from a credit card company. Never apply for a cosmetic credit card because the interest is crazy. Maybe he can wait and save 1/2 the $$$ to put down. I always dont reccomend going in at 100% financing. I just bought a brand New Mazda 2008 and paid half of my loan off and my goal is to pay the other half by september to be debt free. I think of debt as bondage!!! But as you say there is good debt,so take care of business and have a plan to get rid of bondage as soon as possible if you have the income and resources.

If this is a young guy and he is still in school or something or he is thinking about using some of his under grad $$$$, Then my postion for him is wait . I am a Real EstateBroker and I see peoples credit everyday and we do live in a world of unrealistic expectations for the average person.

__________________
My Hair Loss WebLog