Below are the 5 most recent journal entries recorded in jjklinefeldx's InsaneJournal:

Thursday, November 4th, 2010
11:16 pm	Tibial plateau leveling osteotomy (TPLO) Subsequent meniscal damage after the surgery can occur which would require a second surgery to remove the damaged meniscus. It is technically the "weight-bearing surface" of the tibia. Dogs are encouraged to use the leg when they are willing so once they are putting it down with each step and no longer holding it up, they can start leash walks. Therefore, every time the dog takes a step, it is stressing its cruciate ligament. To understand how this works, you need to understand the dog's anatomy within the knee or stifle. So, which dogs require TPLO surgeries? Unfortunately, there are no hard and fast rules when it comes to cruciate ligament repair in dogs. The tibial plateau is the top part of the tibia which comes in contact with the condyles of the femur. After 3 months, if the bone has healed radiographically and the dog has not had any set-backs, they can return to normal, off-leash activity. The TPLO procedure involves cutting straight across the top part of the tibia with a semi-circular or biradial saw blade to free up the tibial plateau then turning the plateau so that the slant goes from around 25 degrees on average to 5 degrees. This is to prevent running, jumping, twisting and turning motions that could damage the repair or the other hind leg. This means the dog returns to normal or near-normal performance with the affected leg. In general, dogs are limited for 3 months to on-leash activity only. If you would like to learn more about cruciate ligament disease or other surgical diseases in dogs and cats, or if you would like a more detailed description of TPLOs with pictures to help understand it, please visit TPLO surgery for more information.The plateau is then stabilized in this new position with a specially designed bone plate and bone screws while it heals back together in this abnormal position. These leash walks should be gradually increased over the full three months. Fortunately, both of these are rare. Decisions about which surgery is the best for your dog should be made in consultation with your veterinarian who will give you their recommendations. This does sound like a very radical approach to fixing a torn ligament, but it has been shown over many years and hundreds of thousands of dogs to be very effective. What research has found is that when the muscles around the dogs knee contract, such as during any weight-bearing activity like walking or running, the effect of the muscles working against this slant in the tibial plateau, causes the femur to want to slide back and down the slant in the plateau, thus making the femur and tibia want to shift compared to one another. This is a complication of every procedure that is done to repair cruciate ligament tears and occurs in about 10% of dogs. Complications with the TPLO can occur and range from 10-20% depending on what you read. The most common complications involve the bone plate and screws that are placed to hold the bone still while it heals. Other things during the recovery like physical therapy are also sometimes advocated to speed up the recovery. Breakage of the bone screws holding the plate in place occurs more frequently than breakage of the plate. In the dogs knee, the thing that prevents this shifting of the two bones from happening is the cranial cruciate ligament. In people, the tibial plateau is a flat surface. (Comment on this)
Monday, November 1st, 2010
11:38 pm	Credit Cards with Low Interest Rates and 0 APR Transferring balances from a high-interest rate credit card to one with no or a lower interest rate can save you a substantial amount of money if you don't fall victim to these common mistakes. Purchases though, normally aren't part of the no or low interest deal. Maybe 3% doesn't sound like much but if you're transferring several thousands of dollars, that fee can be hundreds of dollars! They want your business, and you'll be surprised how flexible and willing to negotiate they can be, once you explain to them that you have various options available to take your business someplace else. If you've handled your payments well and managed to clear up your record to a certain degree, there is no need to continue paying more than it's worth for your credit cards. Before taking advantage of an offer, always do the math. 2. And all those purchases are compounding interest at a rate of 16, 19, 22% or more! What happened? Well, as stated in the fine print, the credit card company allocated your entire payment to the zero interest balance because - well it's not making any money on that amount. Since there are so many offers out there, and lenders fight over your business, you can sometimes find solutions that can save you thousands of dollars per year. Balance transfer fees 3. While there might be low or no interest on balance transfers, you're still getting a new credit card which means you'll still be able to use it to make purchases. Another mistake is to close your zero balance accounts when consolidating. Basically, this means putting all your debts together on a single card, like transferring it all to one loan. On the contrary, you may find that it requires a lot of financial discipline to make the payment on time and to straighten things up. If you consolidate your debt to a credit card with low interest and 0% balance transfer, you can save considerably, and pay off your credit sooner (which, of course, is the main goal when dealing with credit card debt). When you plan to consolidate, call your banks and explain the situation. If you do transfer balances to the new account, and you do make purchases on this new credit account, you may be surprised to find that your payments are not allocated the way you thought (assumed) they would be. Sit down and go through the numbers carefully, and think analyze the problem realistically. Credit card consolidation is a popular solution for those with significant credit card debt, usually distributed on three or four different cards. However, keep in mind that, while this is a comfortable and fast solution, you don't have the options to negotiate directly with the banks. Rare is the balance transfer offer that doesn't come with some sort of balance transfer fee. Also, if your credit request gets rejected, don't forget to ask for your free copy of the credit report. For more information please visit low or no interest credit cards The most serious mistake people do when consolidating is to go though the entire process just to simplify their accounting, and they don't pay enough attention to how much they could save. Say you transferred $1,000 and during the last month you made new purchases totaling $200. If you're not pleased with the results, take your money elsewhere quickly. Although you may know by now to look for such fees, there's something else you need to look for: whether or not there's a cap on how high the balance transfer fee can go. Don't forget to check your credit report and your credit rating before you start anything - it will help you plan and plead your case. Of course, the goal is to pick a card that offers better conditions than what you already have, in order not only to simplify, but also to reduce your payments. There are many web sites offering solutions for debt consolidation. You make a payment of $300 thinking you'll clear away the new charges and start chipping away at the balance transfer amount. But it certainly is on those new purchases! Next billing cycle you get your statement and find that the $200 in new purchases is still there - plus the couple of new charges you made since then. Avoid those without caps. In fact, you can expect the interest rate on purchases or cash advances to be just as high as or higher than the credit cards you're already using to make purchases. Payment allocation This practically means you close some of your credit options, which is never a good idea. 1. If you're serious about chipping away at your debt, which is really the best reason to take advantage of balance transfer offers, then you really should stop accruing credit card debt! If the balance transfer fee ends up being more than you would have paid in interest had you not done the transfer, then don't transfer! Also, most often the best offers come from banks that want to keep your business, so make sure you give a change to the banks you've had a long-term relation with. However, it is less confusing than having several small credits, and so it is easier to keep things under control. It might be a flat rate like $50 or $75 but it's usually a percentage of the total amount of each balance transferred. Of course, credit card consolidation is not a miracle solution for all your financial problems. Consolidation is often a necessity for students, new graduates, or people who have filed for bankruptcy some time ago. (Comment on this)
8:45 pm	Low Interest Credit Cards and Other Offers 1. Rare is the balance transfer offer that doesn't come with some sort of balance transfer fee. However, keep in mind that, while this is a comfortable and fast solution, you don't have the options to negotiate directly with the banks. It is also advisable not to send checks through the mail, as they might be lost en route. 2. But it certainly is on those new purchases! If you consolidate your debt to a credit card with low interest and 0% balance transfer, you can save considerably, and pay off your credit sooner (which, of course, is the main goal when dealing with credit card debt). Although you may know by now to look for such fees, there's something else you need to look for: whether or not there's a cap on how high the balance transfer fee can go. Since there are so many offers out there, and lenders fight over your business, you can sometimes find solutions that can save you thousands of dollars per year. This practically means you close some of your credit options, which is never a good idea. However, it is less confusing than having several small credits, and so it is easier to keep things under control. If you're not pleased with the results, take your money elsewhere quickly. Balance transfer fees Of course, credit card consolidation is not a miracle solution for all your financial problems. Maybe 3% doesn't sound like much but if you're transferring several thousands of dollars, that fee can be hundreds of dollars! Another mistake is to close your zero balance accounts when consolidating. The first thing to do to lower the cost of credit card is to opt for a company and a card that promotes low interest credit cards. Usually, this means that your home will become collateral, and you may lose it if things go wrong. Don't forget to check your credit report and your credit rating before you start anything - it will help you plan and plead your case. Avoid those without caps. A successful plan will make sure you make the payments on time and regularly, without putting a strain on other aspects of your life. Of course, the goal is to pick a card that offers better conditions than what you already have, in order not only to simplify, but also to reduce your payments. There are many web sites offering solutions for debt consolidation. Say you transferred $1,000 and during the last month you made new purchases totaling $200. Payment allocation For more information please visit low or no interest credit cards (Comment on this)
7:27 pm	Low Interest Credit Cards and Other Offers By setting up automatic debits from the bank, it is possible to make the payments on time without any delay in payments. Also make sure you don't miss a payment or make payments late. But it certainly is on those new purchases! For more information please visit 0 interest credit cards These lenders actually feel safe in assuming that most people transferring balances won't pay attention to the potentially costly details that accompany the offer. You make a payment of $300 thinking you'll clear away the new charges and start chipping away at the balance transfer amount. 2. It is also important for the customer to make sure that payments need to be made on time, within the set time limit. While there might be low or no interest on balance transfers, you're still getting a new credit card which means you'll still be able to use it to make purchases. Other interest rates Balance transfer fees What a lot of people don't realize is that the lender making such an unbelievable offer wouldn't be doing so if there wasn't some way to benefit financially. And all those purchases are compounding interest at a rate of 16, 19, 22% or more! What happened? Well, as stated in the fine print, the credit card company allocated your entire payment to the zero interest balance because - well it's not making any money on that amount. Before taking advantage of an offer, always do the math. Next billing cycle you get your statement and find that the $200 in new purchases is still there - plus the couple of new charges you made since then. 4. Maybe 3% doesn't sound like much but if you're transferring several thousands of dollars, that fee can be hundreds of dollars! In fact, you can expect the interest rate on purchases or cash advances to be just as high as or higher than the credit cards you're already using to make purchases. If you're serious about chipping away at your debt, which is really the best reason to take advantage of balance transfer offers, then you really should stop accruing credit card debt! The first thing to do to lower the cost of credit card is to opt for a company and a card that promotes low interest credit cards. Transferring balances from a high-interest rate credit card to one with no or a lower interest rate can save you a substantial amount of money if you don't fall victim to these common mistakes. If you do you might find - without warning - that your zero percent no longer applies and you're paying more in interest than you were before. Although you may know by now to look for such fees, there's something else you need to look for: whether or not there's a cap on how high the balance transfer fee can go. Purchases though, normally aren't part of the no or low interest deal. Say you transferred $1,000 and during the last month you made new purchases totaling $200. If you do transfer balances to the new account, and you do make purchases on this new credit account, you may be surprised to find that your payments are not allocated the way you thought (assumed) they would be. 3. That's because any balance remaining afterwards is likely to be whacked with a much higher rate. If the balance transfer fee ends up being more than you would have paid in interest had you not done the transfer, then don't transfer! (Comment on this)
6:04 pm	Low Interest And Low Fixed Rate Credit Card Offers For more information please visit 0 interest credit cards If the customer has good credit, this is one of the cards that he should opt for. The annual percentage rates, after the expiry of the introductory period, are also not very high. This offer includes providing low interest cards with cash back programs and other reward programs. The required eligibility for this scheme is based on the proof of income submitted by the client or the tax return. Sometimes,no matter how hard you attempt not to give in to the temptation the credit card offers,material cravings can most times be more noble and powerful than the will of the mind. The convenience credit card offers most times no longer mounts up to the intentness and interest on credit cards alone but similarly from the bulk of accounts the bank profits for each credit card issued. The first thing to do to lower the cost of credit card is to opt for a company and a card that promotes low interest credit cards. Basically,reciprocal to what the credit card offers,is the high rate of intentness and interest. And the moment the credit card issuer offers you a card you can scarcely wait for t to be approved and to employ it to pays for items and services you fancy. It is also advisable not to send checks through the mail, as they might be lost en route. These cards do not have an annual fee and even provide0% introductory rate for more than a year. Or,by now,you ought to learn in which way to pays off what you owe each month,as long as you pays a minimum amount each time because this is what you get from what the credit card offers:intentness and interest on the remainder you owe at the end of each amount of time if don't pays the full remainder each time your bill arrives. The fixed interest rates on these cards are very low and the credit cards are basically developed for those with an excellent credit history. By setting up automatic debits from the bank, it is possible to make the payments on time without any delay in payments. But nearly all of these companies most times charge late fees,over-the-limit fees,and other "miscellaneous" charges that the credit card holder frequently mistook as part of the service charge. If you're having troubles saying "no" to credit card offers,the most in-depth and efficient way to prevent yourself in engaging into another compromise is a little bit of truth serum-how much credit card issuers get from the transaction you engage with them. Before you give in to what a sure credit card offers,think primary what's the purpose and purpose of filling out. No matter how hard you attempt to resist the convenience and leisure the credit cards offer,you can not assist but to indulge. There are some companies that promote an array of cards with no frills and have low interest rates. These low interest cards generally do not provide the customer with many frills and only last for a limited time. (Comment on this)