Taking out loan

Would anyone mind sharing any information on taking out a loan the smart way? I will need huge amount of money to borrow.

The cheapest loan money is a home equity loan. Rates as low as 3% can be had on a straight equity, or revolving equity account. If you don’t own a home, the next level is a personal loan, that can be lower than your Credit Card Rates. Next is a credit card designated for your treatments.

Please keep in mind that you need to copare your rates so you get the best deal for the most money, and the most flexibility you can get.

The best part of this course of action is that you really only pay the one monthly payment, which can be as low as $60 per month.

I’ve been thinking about your situation for a couple days, sadjefferey. You’re only 19, so I’m thinking you don’t own a home??? If you DO own a home though, it would be great to tap into the equity because not only are the interest rates lower, but that money you spend is deductable up to $100,000. So it’s really the best deal available if you can’t persuade a family member to give you a non-interest loan.

That being said, for the large areas needing treatment that you described in another post, if I were in your shoes, I think I would strategize on how I could get a decent epilator, decent magnification and light source and learn how to use it on myself, for areas I could reach and see, of course, like the legs. Step two, would be to find a hairy friend and make a proposal to learn and do body work that you can’t see or reach and do it on each other. For facial work, go to a professional. You will still have a money outlay, but maybe you could handle this expense with a second job??

I’m personally allergic to debt,so I’m speaking to you with as much practicality as I can offer. Your so young and I would hate to see you paying off a loan or a credit card with interest for hair removal of the quantity you say you need. Properly performed electrolysis really works - forever,so you won’t be wasting any money. I know you would be happy with a decent thinning, too,and electrolysis could get you there.

For people like you sadjefferey, I truly hope that the siRNA research proves fruitful. It may put people like me out of business someday, but I’d just move on and learn how to be a master carpenter or something close to that.



First of all, thank you so much for your post and for your concern, I really appreciate that. Everyday I think how I’m going to pay for my debts once I start electrolysis, and especially now that I consider enrolling in college next year. Right now I’m looking for a second job so I have enough funds to start the whole thing off in October, and it seems that a personal loan from a bank is the only way. It’s been almost 6 years since the last time I went to the beach with my friends and 3 years since I had any friends. My hair made me hate myself and made my social life nonexistant, it destroyed my self-esteem and any relationship I had with people I used to hang out with. I don’t want to live my life like that, and although I will pay a huge amount of money to get the results I want, I think in the long run it is worth it. Although I am unable to work with the electrolysis champ James Walker ( <img src="/ubbthreads/images/graemlins/smile.gif" alt="" /> ), I will work with John Gior so I know I’m in good hands. Thank you again.


Epilators are only temporary, and anything temporary is a waste of money to me <img src="/ubbthreads/images/graemlins/frown.gif" alt="" />

I’ve had work done by both Fino and John and rest assured that you or in good hands. I have a non-hairy back to prove it.

It sounds like you are not going to stay “stuck in the mud” for too much longer. Glad to hear you have a plan, sadjeffery. I’ve always liked these words that a wise relative of mine says often, “When you change the way you look at things, the things you look at change”. How true this fits for you.

Oh, by the way, there are rotatry epilators (temporary hair removal) and then there are needle/probe EPILATORS that professional electrologists like James, Fino and myself use to permanently remove hair. I was referring most definitely to the later when I suggested that you may want to purchase one.

Stay focused and determined and thanks for your comments.


Thank you for your kind comments Dee, they made me feel a little better today <img src="/ubbthreads/images/graemlins/smile.gif" alt="" />

I never really thought about doing electrolysis on myself without any formal training but I guess if I learned how then maybe I could save a few bucks by clearing whatever I can reach. I kind of know what I need, like the Senior II, but how do I learn how to use it? Is there a good book that can show me how to perform electrolysis effectively? Is it hard to do anyway?

I should have enough money to purchase an epilator within a month so I’ll be scanning Ebay everyday now.

Before I forget to ask, how do I thin out hair? Do I zap it with lower current, then pull it out, and then it’ll regrow but much smaller and that’s all to it? I think I could definitely do that on my arms and legs by myself, and I could probably clear my chest and stomach by myself too.

I’ve had work done by both Fino and John and rest assured that you or in good hands. I have a non-hairy back to prove it.

Right on, would you know how I could get to Fino’s office by metro?

Long Island Railroad to the Great Neck Train station. It’s a five minute walk from there.

Performing electrolysis on yourself can be difficult at first, just as it would be for anything else you try that is new. You need a steady hand and a good eye and eventually,after doing many insertions with the probe, you will develop a certain feel for putting the probe into the follicle just the right way.

My favorite book is “Cosmetic and Medical Electrolysis & Temporary Hair Removal” by Richards and Meharg. There are others mentioned here on hairtell that are also good reads. Read all you can and study the anatomy of the hair follicle as this will help you visualize a target you cannnot see.

With all that said, I wouldn’t jump into the do-it-yourself mode just yet, but you can still read, read, read and think about what all is involved. Some people do this for themselves just fine, but others don’t have the patience or the skill to do what appears at first to be so simple. Doing proper electrolysis just evolves and those of us that do this for a living weren’t little hot shots the minute we tried to first remove hair. We made plenty of mistakes as neophytes. You first have to get the principles of electrolysis engraved in your brain and then slowly put yourself in action to develop a certain sense of touch. It is more an art than a skill and it takes time to make it happen right.

As you are reading and thinking about all this, do go to Fino’s studio as you mentioned, and watch what a professional does, observe everything from beginning to end and most importantly, see if you can tolerate the sensation before investing money in equipment to do it yourself. Then if you think you can move on to the do-it-yourself level, at least you will have already familiarized yourself with a basic idea of what is needed.

Lastly, you can do a thinning by having every other hair removed and by tartgeting just the coarse hairs and leaving the finer,lighter ones. You could try to destroy a hair half way by using less current, but this is not all that dependable. Laser for many gets the reduction in hair size and the color lightens to the delight of many, but no one can tell you with certainty that this will be the outcome for you.

Do I dare suggest this to you?.. instead of going to college, might you consider taking a loan out to go to a good electrolysis school in your area and become an electrologist? By the way, is there a school near you? You can get electrolysis done by students for really, really cheap.


The berkowits school is in Forrest Hills/Queens on Metropolitan Avenue, not far from Shae Stadium.