Where Next

Internet Search: Next Destination

Most likely you are viewing this page because you used a search engine to look for anything related to Cebu. Additionally, you may already have read the information in this website, which makes you more knowledgeable about the island than you were before. As you can see, the Internet is truly an amazing thing – as it provides you easy access to a lot of various data. As such, the Web has already become a crucial tool for travellers who need assistance in planning their next trip. With just a few clicks of the mouse, several visits to relevant websites, and voila – you are now more equipped to deal with the challenges of your planned journey.

Aside from gathering information about your target destination, you can actually use the Internet to make your travel preparation a more convenient and straightforward process. For example, you need to get on three connecting flights just to get to where you want to go. This can be very stressful unless you organize and book everything in advance on the Web! As for your accommodation or car rental requirements, you can also arrange all these things online. If you really want to go on a hassle-free vacation, all you have to do is avail of a tour package online and everything would be taken care of for you! It is truly apparent that the Internet offers any traveller around the world indispensable help. So the next time you want to visit a place and feel the summer breeze, turn to the World Wide Web for assistance!

Meaning Of Life

What is Life Insurance

The concept of insurance goes back to the time of the Romans, but it is only at the XVIIIe century that it took precise forms. It primarily consists in distributing the financier risk between a great number of people who contribute with a common cause. It is a way to minimize the costs in the event of unexpected reverse.
Life insurance makes it possible to protect your survivors or the people with your load against serious financial problems. Life insurance policy is a contract between you and an insurance company which guarantees, to your death, the full payment of the assured capital. In the meantime protect your family with life insurance.

– Which capital to subscribe ?

– How to calculate the amount of insurance life you need?
One generally estimates that the capital necessary must represent between five and seven times your net income. But to evaluate your own situation, it will be necessary for you to carry out an analysis financial needs. That will give you an idea of the capital which your survivors will need after your death. It will be taken into account the goods they will have then, the debts which they will have to settle, and the incomes of which the family will continue to need. Every qualified life insurance Cebu agent can also help you to make a more complete analysis of your financial needs.
It is important to revise your needs of Life insurance investment regularly and being able to change according to your family and professional circumstances. Attention also on the inflation, which could decrease the value of your insurance.

– You need life insurance ?

Some elements of cogitation…

– If you share your life with somebody, what is your contribution in the household budget ?

– If you die prematurely, how will take out there your survivors, especially your children with load?

– Other persons depends on you financially : parents, grandparents, brother or sister?

– If your house is mortgaged, do you want that the balance of the loan mortgage holder is refunded with your death?

– If you have children, do you want to put money on side so that they can continue their studies after your death?

– Do you wish to leave money to other members of your family or at certain organizations?

– Could it play a role within the framework of transmission of a commercial or agricultural company by succession ?

– Could it be useful to pay the tax on the goods transmitted to descendants with your life insurance ?

Does Your Equity Make You Money? | Property Investment

Does Your Equity Make You Money?

Ask this question of a dozen people and at least ten of them will say “yes”. These are homeowners that are absolutely convinced that the appreciation in their home is that. They believe that the appreciation in their home and the equity sitting there as a result are the same thing. They ARE related, however the equity itself is not earning anything. It’s just sitting there. In some cases it may be keeping the mortgage lower, but that’s not MAKING money, that’s SAVING it – two different things.
Most of us work to MAKE money, we do not typically work to SAVE it. We more likely would invest to save money, or open up a savings account. What if we were to take that equity and put it to work MAKING, rather than SAVING us money? What would that look like?
Well, first we would have to measure how much money it is saving us by sitting there. To do that you will want to look at your mortgage. How much is it for and what’s the interest rate? What are interest rates now and how much equity could you easily remove and keep your mortgage reasonable? If you cannot answer these questions on your own, simply find a mortgage or wealth coach who can easily analyze this for you, typically for free!

38 Park Avenue Investment Property by 38 Park Avenue Condos Cebu

In most cases, you will find that you can take a significant slice of that equity and maintain a great mortgage rate! One other advantage that is often overlooked is that the interest you pay on your mortgage is deductible at tax time. So many people fear paying more interest and less principle but this is not to fear, as it will help you save money yet again! The only reason people are attached to this concept is their parents and/or grandparents (typically survivors of The Great Depression) taught them – out of fear and their own experience – to try their hardest to own their house outright. That’s the only way to be safe, in their eyes. What they don’t consider is the social and economic reform that’s occurred since that period, not to mention laws that were passed, that insure nothing like that can happen again.
Okay, so we’ve established that it is safe, even beneficial to pull some equity out of a home. Now what do we do with it to put it to work for us? You could buy a lottery ticket, but that’s more of a gamble than a job. We could put it into stocks – there is a certain amount of certainty in earnings, long-term especially. But the return on stocks on average, was barely worth refinancing for, if at all. What investment is so safe, so certain to appreciate that the bank will even lend you money to get? It’s real estate.
You can actually put a little of your own money down, say 10%, and the bank will lend you the rest to purchase some real estate. That’s how safe it is! They certainly won’t do that for stocks! I dare you to walk into any bank or financial institution and ask for a loan to get some hot stocks! They’ll laugh you right out of the building! But real estate is constantly appreciating. Even in slow markets and slow areas the values, although they ebb and flow somewhat, typically won’t ever go down. There is only so much land. For Example at 38 Park Avenue Cebu if you pay the deposit of 20% within 30 days of reservation then you get a huge 8% discount on the selling price. Instant Equity
Now you understand the basic principle of making your equity work for you, over and above just having it save for you. If you are interested in pursuing what’s available to you in your specific circumstances, contact a wealth coach or mortgage coach. They will analyze the numbers for you and make some recommendations based on your comfort level. Remember: it’s your choice how, when and where to put your dollars. Choose advisors you can trust and do your homework.

Make money investing in property in Cebu

How to make millions investing in Cebu Property


“How We Made £3,830,450 In 18 Months! Or $7,200,000 In 18 Months! Download our E-book Which Tells You How You Can Too!-Today!”
An exclusive e-book giving you all the secrets and actual product, back up and support in making millions from property! Property Millionaires Barry Hurst & Tony Spencer reveal all in this new e-book with a step by step guide!
(Plus Become an affiliate for this e-book and earn a massive 60% in commissions! See Below.)
Dear Internet Friend,
Imagine millions of dollars or pounds flooding into your bank account every year … even while you’re sunning yourself at the beach.
Sound good? Well, here’s more …

I recently had the good chance to be a founding director of Ashkey Property Investment Limited a group of professionals that have come together to access property all over the world.
“Okay, how do we get started?” you’re asking.

Here’s how …

  • Learn How to purchase property for sale in cebu with a 15% 20% discount all in the best locations.
  • Learn how to buy property with little or no money down. We have an exclusive leverage discount system.
  • Learn how to build a portfolio completely tax free! These principals can apply all over the world.
  • Learn different techniques in buying property such as 38 Park Avenue . So that you can build a portfolio quickly.

Now … how much does this information cost. You can pay £2,000 or $3,800 going on a seminar to learn all of this information.

As soon as you purchase our e-book, you will also discover:

  • How to have a forward funding mortgage facility, we have brokers standing by to give you the funding to purchase a portfolio immediately.
  • How to use the correct Solicitors to gain the maximum leverage.
  • How to incorporate your portfolio and save thousands in taxes.
  • How to raise the maximum equity from your existing property we can show you how to build a portfolio of £1,000,000 or $1,900,000 instantly.
  • How to easily structure your mortgage facilities (We discovered this powerful yet obvious technique when contacting Lenders).

Discover how to use secret formulas that guarantees your rent, Know what it is? I will explain everything …

  • How to save time and money by using the right rental agencies. Discover a proven method.
  • How to bring in the maximum revenue from your rents by simply asking the right rental agents the right questions.

Discover how to create multiple streams of income … this simple technique boosted our profits instantly.

  • How to run your portfolio while you sleep
  • Sit on the beach and sip champagne whilst you instruct agents to buy sell and rent your Cebu investment property.

Dear Barry, I have just bought your excellent product “making millions from property”, I’ve just read it a couple of mins. and you’ve already given my ideas what I can do with the unsecured part of my Northern Rock mortgage. Also the reason I am writing this e-mail is because I wish to market your product, how would I go about paying the 40% commision to yourself for the sales I generate. Regards, Steve Dailly.
As I’m sure you’re starting to see … this ebook and the information it contains can have an explosive effect on the profitability of your portfolio …
How To Start ‘Exploding’ Your Profits Within 63 Seconds …
If you’re not ready to order yet, imagine this:

  • You place your order, and within 60 seconds you have the full ebook downloaded onto your computer.
  • You put everything else on hold, and read through the ebook from beginning to end.
  • You take just one of the many ideas from the ebook, and apply it to your portfolio, starting tonight.
  • You don’t make any other change to the way you do things … just implement that one idea … and you check your portfolio in a month’s time. This is what you discover …
  • You’ve made 50% higher profits than last month! And all it took was just one idea from this ebook. With just one simple change, you took home 50% more money!

Sound good?!

Property for rent

The Belvoir Property Management 
team believes that the key ingredient for 
real estate investment success is 
superior property management services.
Belvoir takes all of the steps required
to ensure that profitability, productivity
and real estate asset values are

The Belvoir’s estate agents Morley team features an
impressive group of professionals with
decades of combined experience in property

Management Services Include:


If you have bought an investment property in Cebu then within thirty business days of being awarded a property management contract, Belvoir will submit a detailed management plan to the owner outlining recommendations, project objectives, timelines and an action plan.

 Once the plan has been approved, it will serve as a guide for the property management and operation for the calendar year. The plan will address all financial and physical objectives for the property.


Direction, supervision and training of the site staff will be put into place immediately as required upon approval of the owner.


Once a new contract has been awarded, it is our practice to solicit bids from pre-qualified contractors. Costs are examined, not only as they apply to the site, but also in respect to local industry standards. Belvoir’s objective is to maintain and enhance the owner’s equity in the property.


As part of our detailed management plan we set out a leasing strategy for leasing vacant areas. Our leasing plan will outline prices, terms and space available. We will coordinate leasing proposals from specialists in the area, leasehold improvement allowances and if required, leasehold inducements.


Net cash flows are maximized by close management and control of
income and expenses.

Our annual management plan details the financial parameters for the
operation of the property. The results are reconciled to the plan on a
monthly and year-to-date basis. All variances are analyzed and reported
to the owner. Appropriate response measures are immediately followed 


Monthly reports are submitted to the owner including a financial report
and a narrative outlining such items as the leasing activity, rental
collections, physical matters affecting day to day operations and all other
matters material to the owner.


Among other additional related services offered by Belvoir Property Services:

◦ Leasing
◦ Sales
◦ Property Tax Consulting
◦ Project Development
◦ Services/Tenant Coordination
Cebu Real Estate Brokers

Investors Corner

“Return ‘of’ and Return ‘on’ Investment” or the “risk” versus “return” equation must be calculated in the evaluation of any investment including real estate.
The investor not only wants a good return on the capital employed but also normally seeks the security of obtaining the initial investment back at the end of the holding period or returned throughout the investment period.

The real estate sector has been an asset type that has provided both the security of capital retention, as well as the volatility of capital losses.  This paradox is a result of many factors, such as location, asset type, demographics and functional obsolescence.  One of the common elements is the wisdom of the asset acquisition and the expertise in the asset management.

Belvoir Property Services has an enviable track record, thanks to it’s expertise, market knowledge and ability to match the investment opportunity with the right balance of risk/reward to meet the particular investors criteria.

When the investor has a low tolerance for risk and is prepared to take a lower initial return for future consideration, the investment criteria is created to satisfy these parameters. With this criteria as the pre-requisite for the investment profile, the acquisition, action plan, is executed to satisfy these factors. We do not recommend acquisition until the appropriate target has been identified.

Other investors may be prepared to accept a higher risk for a more generous return.  In some cases both investment profiles will fit the same investment group who want a balanced portfolio.

In either case a thorough investigation must be analyzed during the due diligence period: aspects such as, location, physical appearance, functional design, structural, mechanical, and environmental integrity, as well as changing demographics, space requirements and future area plans.

Today’s value and cash flow should be bench marked against the future value and enhanced cash flow.  The ratio of capital cost (acquisition plus future cash calls) and cash flow must be compared to alternative investment vehicles available for the same risk/reward options.

We execute a detailed asset management plan to create wealth for our investors.

If you are a Real Estate investor, or if you have clients looking for an asset management group to acquire and manage commercial real estate in Leeds, Belvoir Property Services will find the investment opportunities that fit your predetermined investment criteria.

Call your investment counsellor about buying  property to rent Cebu or Belvoir Property Services direct.

News About the Effect of HGH on Human Body


The invention of synthetic Human Growth Hormone can easily be considered as a life changing invention that can bring a significant amount of change in the life of any individual such Hygetropin. There can be little doubt that the Human Growth Hormone produced by the pituitary gland is among the most vital hormones required by our body which is responsible for stimulating a number physical activity. One of the most important functions of HGH is to stimulate cell reproduction and cell growth. Synthetic Human Growth Hormone which are now available in the market under a prescription from a medical practitioner is also known as somatropin – a kind of protein made of 191 amino acids. Even so there is Hygetropin for sale also available in the market.

Though the primary job of this particular hormone is to instigate the growth of bones, muscles and cells it also plays a determining role in stimulating the liver along with a number of other tissues that secrete IGF-1. This particular hormone also has the capability of enhancing the rate of metabolism for proteins and carbohydrates and its production is at its peak during the childhood and adolescence days. Human Growth Hormone deficiency in children is quite a thing of concern as it can hinder the natural growth of the child and under such circumstances one is required to provide synthetic HGH from outside to maintain proper growth of the child.

Unfortunately the secretion of this hormone declines with increasing age and for this particular reason HGH is now widely used in a number of countries of the world to minimize the effects of old age and to make an individual look much fitter, healthy and younger than his original age. Human Growth Hormone replacement therapy is generally considered as a naturally safe and powerful method that also strengthens the immune system and improves the production rate of red blood corpuscles.

Deficiency of Human Growth Hormone can result in a number of physical problems like obesity, anxiety and poor health in an individual and synthetic Human Growth Hormone applied from outside can really bring the situation under control by a considerable degree. This way it is really possible to decline excess body fat along with increasing the lean muscle mass. This is also provides the skin with increased thickness and greater elasticity another important function of Human Growth Hormone is to stimulate the process of metabolism of lipolysis which is a kind of fat that can produce a considerable amount of energy when broken down.

The Benefits of HGH on Human Health

Human Health News about HGH

Buy HGH is a naturally occurring hormone in the human body that is beneficial in many ways. HGH is the hormone that is responsible for growth, muscle production and even has an effect on the physical appearance of people. Here are some of the benefits of HGH and how this hormone affects humans.

The Basics of HGH

It is important to know that HGH works best when it is naturally produced in the human body. There are some combinations of amino acids that mimic HGH, but the benefits of HGH when taken as a supplement are often reduced by the side effects of the hormone. Natural HGH is very beneficial, however, especially in the areas of growth and anti-aging. HGH makes the skin more elastic, can reduce cellulite, and helps to maintain skin thickness.

The effects of aging, such as thinner, papery skin, poor eyesight, thinning hair, and wrinkles are caused by a lack of HGH in the body. One of the benefits of HGH is that is helps the body stay young, but the fact is that the hormone reduces as you grow older. Someone around twenty years of age will have nearly five times the amount of HGH as someone in their sixties. HGH production does slow as you age, often leading to many of the most common signs of aging.

What is HGH?

HGH such as Ansomone for sale is a natural hormone that occurs in the human body, called human growth hormone. One of the main Benefits of hgh is that it can be used to treat conditions that arise because of hormone deficiencies. For example, human growth hormone can be used to treat patients with short bowel syndrome, to improve muscle tone in patients with low muscle tone, and to treat patients that have diseases that affect their muscle mass, such as AIDS, which can significantly lower muscle tone. These diseases can be treated with HGH and a combination of other medications to reduce the symptoms associated with their condition.

Most Common Benefits

One of the benefits of HGH that you have probably heard a lot about is muscle building. Ansomone HGH assists the body in reducing fat and building muscle quickly, and can also increase energy levels. HGH as a muscle builder has been outlawed by most sports, including bodybuilding, soccer, and football. HGH can also reduce joint pain and reduce soreness to aid in increased exercising if you are trying to build muscle quickly.

Weight loss and increased muscle mass can be seen within just a couple of weeks of beginning use of HGH. Other benefits of HGH can include emotional well-being, lowered bad cholesterol, and an improved heart rate. Some proponents of HGH have stated that the actual heart muscle has become stronger with the use of the human growth hormone, while those who caution against the regular use of HGH have stated that too much of the hormone can actually be fatal, so always make sure you use the hormone as directed by a medical professional.

Remove Skin Tags Conventionally

News to Remove Skin Tags Conventionally

Skin tags are one of those problems that most of us face at some point or other. When we do, the first thing that we need to decide is whether or not we want to just leave them be, or have skin tag wart removal. If you opt for the latter, then you’re faced with yet another decision involving the method that you intend to pursue in order to how to get rid of skin tags!

Basically, you have to choose whether or not you want to get rid of those tags conventionally… or not.
Part of the issue with conventional methods of removing skin tags is that they can be slightly intrusive. All of them essentially involve ‘severing’ the skin tag from the skin itself and as you can well imagine that means procedures that basically involve cutting off the skin tag. While the options that you could pursue include laser surgery, cauterization, extraction, suturing, and even cryosurgery, you’ll find that many of these procedures can be slightly costly and tend to carry a fairly high risk of scarring.

Additionally, because these are all surgical procedures, you’re going to need to heal afterwards and also run the risk of the wound getting infected unless you take care of it properly – which is yet something else to think about.
On the alternative front, you have a lot of options that you can pursue. All these options are non-intrusive, all natural remedies that involve removing skin tags without actually causing too much damage to the body itself. While these options may sound good on paper, the truth is that they may or may not work in your particular case – and so you might find that you have to go through a lot of trial and error.

Considering the fact that skin tags are so harmless, the truth is that unless it is particularly prominent and causing you psychological and emotional discomfort it might actually be a better idea to just leave it be rather than remove it through conventional or alternative methods. By just leaving a skin tag alone, you risk absolutely nothing and save yourself a lot of hassle in the process.

Of course, if your heart and mind is set on getting rid of your skin tag then you should possibly consult a doctor and decide which of the options is best for your personal situation.

All About Warts Removal

Remove Warts Safely, Permanently And Without Any Expensive Surgery…Can You Really Get Clear, Smooth and Flawless Skin In Just 7 Days?

Warts are ugly, uncomfortable and a real eye-sore. Not only does it gross other people out, but it can crush your confidence. I must confess that I’m not really one for all that “holistic stuff”and when I was first told about these natural methods to remove warts, I kind of blew it off as mumbo-jumbo.
After so many failed products I was desperate to remove the warts on my face and hands. I was willing to try anything. I was tired of always covering up and trying to hide the warts.

As you know, removing warts can be an expensive and painful experience. What makes it worse is that it leaves scars and most of the time they tend to grow back. These natural methods are different.
While medical procedures and over the counter products just focus on removing warts, these methods focus on the actual CAUSE of warts. It removes warts at the root – which is why it is a permanent solution. The best part is that it is non-surgical and won’t leave any scars.
While there are a lot of second rate information and “methods” floating around in the internet, this guide is one of the few that shows you the methods that’s been proven to work. The methods are very simple and each one is explained in an easy to follow step-by-step process.

Here Are The Major Benefits Of This Wart Removal Program:

Permanently removes warts
 Leaves no scarring
 Won’t grow back
 Safe and pain-free
Inexpensive and you can do it yourself
100% natural and chemical free
Now, these methods do not won’t work 100% for everyone. Everybody’s condition is different, but if you consider the fact that not even expensive surgery ($400 per wart) is guaranteed then this is at least worth a try. In the end I managed to completely remove warts from both my hands and my face in just 7 days using these simple methods.
Do I recommend you try it? Yes. You’ve got nothing to lose. It’s a fraction of the cost of other methods and it’s 100% safe and natural. It is painless, leaves no scarring and it will remove warts permanently.

Can You Remove Warts Permanently?

Warts are skin ailments that can be extremely uncomfortable and unsightly. It is a skin ailment that can really be shameful that you often try to conceal or hide since you are scared that other people will make fun of you.
Once warts get irritated, they tend to bleed which can cause some an uncomfortable feeling. If you are one of the many people who are afflicted with this disease, then you must be searching for the most effective method to remove warts enduringly. Warts are ailments of the skin brought about by a viral infection called HPV or Human Papillomavirus and are very contagious. They will usually just vanish naturally following a few weeks or months but they can also remain for more years and it has a lofty chance of reappearing in a specific part of your body.
There are a number of ways to get rid of those unsightly warts. One of which is through the use of prescription medications such as cantharidin. This prescription drug is given by a health practitioner on the surface of the warts and a bandage is used to cover it. The effect of this medicine is to blister the dead skin that was dried together with the warts. After which, the health professional will eliminate the dried dead skin as well as the warts. This method works for some usual form of warts. However, this method should not be used with unusual form of warts with hair growths on them. The usage of this medicine is also prohibited for those people suffering from diabetes and other problems in the circulatory system.
Also listed in the various available methods to remove warts is the use of over the counter drugs such as salicylic acid. This acid is available in the form of gels, drops, patches and plasters. Salicylic acid is considered to be the most typical over the counter drug that has the ability to get rid of warts. However, this is not suggested for patients suffering from diabetes and those who have warts on other sensitive parts of the human body such as the groin and the face. The use of salicylic acid can work successfully to some individuals who want to get rid of their warts. However, there is no assurance that this method will permanently vanish those ugly warts as there are possibilities of warts recurrences through time.
There are also wart removal remedies that you can do on your own at the comforts of your home. Some of these do-it-yourself home remedies to get rid of warts include the use of duct tapes, use of banana skin on plantar warts and the use of lemon slices soaked in apple cider vinegar.
Many of these methods stated earlier may or may not work for some individuals, and thus results may vary. A number of these methods to treatments for warts are really sore and are likely to leave scars on the skin. Individuals who have warts are continuously searching for the most effective ways to eliminate them completely. If they are not treated, warts may reproduce and extend to other parts of the skin. If your warts have started to multiply, you will need to ask for medical help and search for the best methods to remove them entirely and permanently.

Remove Warts – 3 Common Methods That Don’t Work

If you are someone who is suffering from plantar warts, then you may be looking for the most effective way to warts removal. The information below will finally get rid of your warts and keep yourself form wasting time and effort. This information serves as a warning for those who are looking for cures for their plantar warts. Here is a list of three common methods that don’t work in getting rid of those ugly warts. These methods have been proven and have been practiced for over a hundred of years.

1. Cutting it off – many of patients suffering from warts may have done this procedure once in their lives. It could seem like an intuition to just cut the excess skin off away by the root. This can also be unbelievably advised by some doctors, but as a precaution, this procedure can really be very aching. Even worse, the warts may bleed terribly after cutting them off and there is a tendency that the warts will grow back in a deeper, bigger and even stronger form. Do not bother doing this technique. If you see that the warts have overly grown, you can also use a pumice stone. Pumice stones are great to use for flaking off the outer portion of the unsightly warts.

2. Keratolytic chemicals – this goes by the name of trichloroacetic acid and salicylic acid. These items are just a huge waste of money. One needs to spend over $300 on every over the counter products to remove warts. The acid is directly applied to the surface of the wart. To hold down the acid, a band aide or a bandage is used. They suggest restoring the acid usually daily. This method will kill the warts and most of the time the skin surrounding the wart as well. You will notice it would begin to separate. Most of the time, you will also notice the roots to move apart. However, using this procedure will not eliminate the root of the warts entirely, and after the acid is completely used, the warts would just grow back. This stuff is also very painful when applied into the skin surface. Do not bother trying any brand of these acids available in the market as they are just all the same.

3. Use of duct tape or glue or coco butter – wart is caused by a contagious virus, this is a fact. Do not go over wasting years and years of time on methods that say you could deny the wart oxygen and that in one way or another wart would just start to die a natural death. The fact of the matter is that the blood pour to the wart is what nourishes it. This is why the use of duct tape to get rid of warts is a total waste of time. Years ago, a study was done by the United States military regarding the use of duct tapes for warts and it shows that it indeed helps. But we should know better. It is a fact that this process is just purely ineffective. However, there are many followers of this method, and you may find people online who impart their success to remove warts.

Mole and Wart Removal

Mole and Wart Removal-A Quick Overview on Getting Rid of Moles and Warts

Wart and mole removal are medical procedures which are commonly practiced all over the world, probably thousands of times a day. Moles and warts are, for the most part, quite harmless, and do not often present a risk to your health. They can give rise to cosmetic issues, though, and so it is good to have a grasp of what options are available to us.

One word of warning: while moles and warts are usually harmless, they occasionally turn out to indicate something more serious, particularly moles which appear suddenly. If you ever have an interest in anything to do with your skin, you owe it to yourself to see your doctor without delay.

Now, what are moles and warts?

Moles are dark pigmented spots on the skin. They come in two types. Moles we are born with are almost always completely harmless, are the same size and shape for life, and are often admired as beauty spots. They are normally small and flat, and never cause you any bother.

Moles that appear suddenly are also usually harmless, but you should keep an eye on them. These may be raised above the skin, may grow over time, or change colour. Sometimes these types of moles may bleed. If you see one of these on your body, you should see a doctor. Sometimes a mole like this can be the first sign of skin cancer.

Even in those cases where the mole is safe, its size and shape may make it uncomfortable or a little painful. Due to this reason, you may wish to look at having it removed.

Warts are small infections of the human papilloma virus, and come about through contact with someone who is already infected. Warts are harmless, but you may not like they way they look, especially if they are in the face.

Warts can be anywhere on the body, and can appear in a range of shapes and colours. Plantar warts on the sole are flat and whitish in appearance; facial warts may look more like pimples. Warts may even have hair growing on them!

Kids get warts all the time, and these usually pass very quickly. Adult warts tend to hang around longer, and we may want to get these seen to.

Over the counter medications for warts and moles are readily available. There are also natural remedies of varying effectiveness; your local naturopath will be happy to consult with you on these options.

Laser therapy is one very attractive option for both wart and mole removal. Laser therapy works best if the mole is shallow and small. Deeper moles may require surgery. For warts, however, lasers are pretty useful in most cases.

Cryotherapy is also commonly used for wart and mole removal. Liquid nitrogen is used to freeze the offending blemish, which usually falls off by itself. Druggists even sell home cryotherapy kits for warts, though these are not always as successful as we would like.

Warts are treatable with a very old fashioned ointment made of salicylic acid in solution with water. Applied directly to the wart, it slowly kills it over a period of weeks. It takes patience, and some people do not like handling the medication. It’s worth a try as it is so cheap.

Finally, surgery is the choice of last resort. Where all else fails, a skilled surgeon can remove moles or warts and a small portion of surrounding skin. There is usually not much scarring to worry about, and most people feel good about having clearer, healthier looking skin.

Get in touch with us!

Big or small, we’ve got a solution when you need it. Our advanced service and support tools provide step-by-stepinstructions without being put on hold or waiting in line.

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