Botox Facts

Botox injections are used for a variety of medical reasons, but can also be used cosmetically. When the drug is injected under the skin, it acts as a muscle relaxer by blocking nerve transmission in the face. This procedure can reduce the sagging, fine lines, and wrinkles that are associated with aging. There are a few things, however, which can interfere with the effectiveness of the procedure. Keeping these facts in mind will help you to achieve the best possible results.

Age is a Factor

Botox injections are most effective for patients under the age of forty. If you’re over 40, the injections will still work, but they will be less effective and it will take longer to achieve your desired results. Once you’ve reached this age, you begin to lose fat in your face. The fine lines and wrinkles that you’re seeing are no longer due to muscle tension, but to actually tissue loss, which cannot be reversed with this drug. A series of injections will still add youth to your appearance, but may not be able to completely eliminate fine lines and wrinkles.

Keep Side Effects in Mind

While many patients experience no side effects from an injection series, others develop headaches or feel nauseous after receiving their shots. Before you have a series of injections, you should be sure that you’re not allergic to the drug. Those who are allergic may experience respiratory difficulties after a shot series. Be sure to inform your cosmetic surgeon of any other medications that you’re taking, so that he can check for drug interactions. A drug interaction or allergic reaction can be life threatening, so it’s important that your doctor is aware of your allergies and medications.

The Procedure is Temporary

When you elect to have Botox injections, you should be aware that the procedure is temporary. A series of shots generally lasts four to five months; after this, you’ll need to make another appointment and repeat the procedure. Regular injections will help to ensure continued results, whether you’re having the procedure for cosmetic or medical reasons.

These injections aren’t only used for cosmetic purposes. If you experience migraines, chronic pain, or cervical dystonia, you may also be eligible for the injections. Depressed patients, those with overactive bladders, and men with prostate issues may also gain relief from their symptoms through these injections. If you struggle with these issues, consult your doctor to see if Botox is right for you.

Best Investment Ideas and Best Safe Investments for 2012

Here we list some of the best investment ideas and tackle the challenge of finding the best safe investments for 2012. What might appear to be one of the best investment ideas to the uninformed could turn out to be one of the worst.

Looking at the big picture for investment ideas in 2012, moderation in asset allocation and a balanced investment portfolio will be the most basic key to success. There are 4 asset classes, and average investors need to spread their money across at least the first three to keep their overall portfolio risk moderate. The 4 categories in asset allocation are: safe investments, bonds, stocks and alternative investments like gold and real estate (optional). Asset allocation can be simplified, because there are mutual funds available to average investors that represent each of the 4 asset classes. Now let’s get more specific about the best investment ideas for 2012 starting with safe investments.

Safe investments earn interest and do not fluctuate in price. You will need to look outside of mutual funds in 2012 to find the best safe investments because record low interest rates have taken yields on money market securities (and hence money market funds) down to just about zero. One of the best investment ideas if you have an account with a discount broker or major mutual fund company is to shop for one-year CDs paying higher rates if you can’t get competitive rates from your local bank. Do not tie your money up for longer periods just to earn a little more interest. One of these days interest rates will go back up and you will be locked in at a lower rate and face penalty charges if you cash in early.

Finding the best safe investments will be truly challenging in 2012, but here are some more investment ideas. If you are in a retirement plan like a 401k that has a fixed or stable account option do not overlook it. You can often get a much higher interest rate there (maybe 4% to 5%) than anywhere else outside of your retirement plan. If you own an older retirement annuity or universal life insurance policy, it might have a fixed account you can add money to that is guaranteed to never pay less than 3% or 4%. Remember, truly safe investments like U.S. Treasury bills and bank money market and savings accounts are paying WAY LESS than 1%!

Over the past 30 years bonds and bond funds have become a favorite with investors because they have been consistent performers and returned on average about 10% per year… basically about equal to what stocks have returned, but with considerably less risk. Many investors have fallen in love with their bonds funds and consider them to be among the world’s best safe investments. Bond funds are NOT safe investments. They have performed well since 1981 (when interest rates and inflation were at record highs) for one primary reason. Both inflation and interest rates have been falling for 30 years, which has sent bond prices higher. Loading up on bond funds now is NOT one of the best investment ideas for 2012. In fact, it is one of the worst investment ideas.

When interest rates and/or inflation turn around and head upward bond funds, especially those that hold long-term bond issues, will be losers. That’s how bonds work. One of the very best investment ideas for 2012 is to sell your long-term bond funds if you own any, and switch to funds holding bonds with average maturities of about five years. These are called intermediate-term bond funds; and average investors should have some money invested here as part of their asset allocation strategy to add balance to their investment portfolio. These are not truly safe investments, but they are much safer than long-term funds.

My best investment ideas in the stock department focus on stock funds. Do not go heavily into the more aggressive funds that invest primarily in growth and/or small company stocks. These pay little if anything in dividend income and tend to be more risky and volatile than the average stock fund. Go with funds that invest in high quality large-company stocks with excellent dividend paying histories. Look for funds that are paying 2% or more in dividends. One of the best investment ideas for 2012 and beyond: invest in no-load funds with low yearly expenses. No-load means no sales charges, and low expenses mean higher net returns to the investor.

Alternative investments include the likes of real estate, gold and other precious metals, natural resources, commodities, foreign investments and so on. One of the best investment ideas for managing a truly balanced investment portfolio is to include this fourth asset class as well. The simplest way for the average investor to add these alternatives to their portfolio is with mutual funds that specialize in these areas or sectors. My best investment ideas here: don’t go heavily into any one area, and don’t chase after a sector (like gold) just because it’s hot. Real estate and natural resources funds would be my picks as two of the best investment ideas in the alternative investments asset class.

Moderation and diversification across the asset classes will be the key to asset allocation in 2012. I have also listed some specific best investment ideas for keeping the average investor in the game and out of serious trouble should the investment scene turn ugly. Above all else memorize this: long-term bond funds are not among the best safe investments for 2012. They are not safe investments, period.