Cheaper alternatives to cosmetic surgery

Minor cosmetic treatments are increasingly popular and a cheaper alternative to plastic surgery.

(Money Magazine)

While the growth of cosmetic surgeries has stalled, minimally invasive -- and less costly -- procedures such as Botox injections and laser hair removal climbed 20% over five years, to 13 million in 2012 (1 million of which were performed on men).

To get started, ask your primary-care doctor for a referral to an experienced specialist who is trained in the procedure you want, is prepared for any complications, and can discuss the risks and benefits.

Check out these four popular spruce-up options, along with strategies for beauty on a budget:

Botulinum Toxin Type-A injections

What they do: Remove wrinkles between the eyebrows, on the forehead, and at the corners of the eyes using a paralyzing toxin injected into the face. Botox is the best-known brand. Effects last three to 4½ months, says San Francisco dermatologist Richard Glogau.
The cost: $370 a session, according to the American Society of Plastic Surgeons, compared with $3,370 for a forehead lift. (Prices are national averages.) As is the case with the other fixes, you can't deduct them on your taxes or pay with a flexible spending account.
How to save: Your doctor may discount your next visit if you schedule it while you're still in the office; Salt Lake City plastic surgeon Renato Saltz, for example, knocks off 17%.
Best drugstore alternative: Over-the-counter retinol creams can improve the appearance of finer lines for $20 or so, but you won't be able to replicate the shots' ability to smooth your deepest wrinkles.

Teeth whitening

What it does: Lightens yellow or stained teeth with the application of a high-strength gel. Results can last about two years without maintenance, says La Jolla, Calif., cosmetic dentist John Weston.
The cost: $300 to $700, based on estimates from several dentists.

Related: Cutting health care's cost

How to save: From your dentist, get a take-home kit with a lower-strength gel (price: $150 to $300). Using it for an hour or so a day for about two weeks produces results similar to those of an in-office session, according to Weston.
Best drugstore alternative: Try over-the-counter strips or gels (under $40), which Weston says are plenty effective for some people.

Laser hair removal

What it does: Eliminates hair on the face or body, often for years, by zapping follicles with lasers or light pulses. The process works best on dark, coarse hair and lighter skin, but is ineffective on light blond, white, or gray hair, says Glogau.
Cost: $330 a session, reports the plastic surgeons' trade group. Coarse hair on legs takes up to five visits, says Glogau; fine hair on the upper lip, three or four.
How to save: Ask if there are multi-session packages available for a lower per-procedure cost.
Best drugstore alternative: Lower-strength, FDA-cleared home devices will do the job but take more time, says New York City dermatologist Bruce Katz. The maker of the $449 Tria Hair Removal Laser 4X, for example, recommends weekly sessions for at least three months.

Related: Healthy savings: Fewer lab tests

Dermal filler injections

What they do: Reduce folds and wrinkles -- such as the crease between the bottom of the nose and the top of the mouth -- using a gelatinous substance injected under the skin. The popular Juvéderm and Restylane brands last six to nine months, says Pittsburgh plastic surgeon Leo McCafferty.
Cost: From $430 to over $1,600 per treatment, depending on the filler. Cheek implant surgery, by comparison, runs $2,720.
How to save: Watch doctors' websites for seasonal promotions; McCafferty, for one, runs specials ranging from $50 to $200 off. Ask the physician which product he or she recommends for your specific need -- and see if there's a longer-lasting one that will require less frequent sessions, advises Katz.
Best drugstore alternative: Moisturizers including peptides and antioxidants can somewhat improve the appearance of small wrinkles, while lip plumpers such as Too Faced ($28) can temporarily add volume.

First Published: July 5, 2013: 9:41 AM ET

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Egypt stocks rally as army ousts president

People dance and cheer in Tahrir Square after former Egyptian President Mohamed Morsy was ousted from power.

LONDON (CNNMoney)

Egypt's main stock market index surged by more than 7% Thursday, the day after the military took control. The gains helped the index recover most of a massive 17% drop during June.

Violent demonstrations had been ripping through the nation as protesters called on the defiant leader to step down. The military backed the opposition and gave Morsy 48-hours to "meet the demands of the people".

When the deadline passed Wednesday, the military took over and handed power to interim president Adly Mansour.

Investors are betting that the military's intervention to oust the country's leader will help restore stability to the region's most populous nation.

Related: 9 insights for Egypt's new rulers

"The ousting of Morsy from the Egyptian presidency has been received by the markets as a risk-on event," wrote FOREX.com's research director Kathleen Brooks in a note.

Of course, it's not all smooth sailing from here. Egypt's military is now faced with the daunting task of holding democratic elections to find a new president, and the timetable for this could drag on. Morsy supporters are also fighting back and staging street demonstrations Friday.

"In the coming weeks, a lot of effort will be focused on ... holding presidential and parliamentary elections, revising the constitution, and strengthening the country's institutions," explained Pimco's CEO Mohamed A. El-Erian, a leader in the global bond market.

On Friday, Fitch Ratings downgraded Egypt's default ratings to B- from B, meaning it believes political instability threatens the country's economy and creditworthiness.

U.S. President Barack Obama expressed deep concern on Wednesday about the political upheaval, calling for a quick return to civilian leadership. He also ordered a review of aid to the Middle East ally.

Related: What next for Egypt's entrepreneurs?

Egypt is seen as a critical country for the global oil market, and oil prices touched a 2013 high Friday, driven up by anxiety over continuing violence.

U.S. oil futures for the August contract rose as high as $102.44 a barrel, though the price eased in later trading.

Egypt produces a negligible amount of oil. But the Suez Canal, which passes through the north African nation, is a major shipping route between the Mediterranean Sea and the Red Sea and Persian Gulf. Roughly four million barrels of oil come through the Suez Canal each day.

First Published: July 5, 2013: 10:04 AM ET

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Stocks end higher on strong jobs report

Click for more market data.

NEW YORK (CNNMoney)

The Dow Jones industrial average, the S&P 500 and the Nasdaq gained about 0.9%. For the week, the Dow and the S&P 500 both rose more than 1.5%, while the Nasdaq gained over 2%.

The government said U.S. payrolls grew by 195,000 jobs in June, more than economists had expected. But the unemployment rate held steady at 7.6%.

Traders said volumes were light Friday since many money managers took the day off. U.S. markets were closed Thursday for the Fourth of July holiday.

Double edged sword. Investors were encouraged to see signs of improvement in the job market, but the report also makes it more likely that the Fed will begin to taper its stimulus policies later this year.

The U.S. central bank has signaled that it will begin to slow the pace of its $85-billion-per-month bond buying program when it sees significant improvement in the unemployment rate.

While the unemployment rate was unchanged last month, economists say the gains in hiring -- including past months that were revised higher -- mean the rate should head lower in the months ahead.

There will be two more reports on the unemployment rate and hiring before the Fed's next scheduled meeting in September.

The June report was "more than strong enough to keep the Fed on track for tapering in September," said Jim O'Sullivan, chief U.S. economist at High Frequency Economics.

Bond yields spike. Investors in the bond market seemed to view the good news as bad news.

The yield on the 10-year U.S. Treasury note rose to 2.72%, the highest level since August 2011. Investors have been selling bonds, driving yields higher, in anticipation of fewer Fed purchases.

Some economists worry that an abrupt rise in interest rates could hurt the U.S. economy. Mortgage rates have spiked in the past few weeks, raising concerns about the housing market.

Still, the sell-off in Treasuries comes on light volume and may be an overreaction, said Kevin Giddis, head of fixed-income at Raymond James.

"I would caution against putting too much into today's move on the Treasury market," said Giddis. But he added that interest rates are headed higher as the Fed moves away from quantitative easing, as its bond buying program is known, later this year.

"I do believe that we have set sail on an upward trend of interest rates that will likely lead to the Fed's tapering of QE in September or October," said Giddis.

What's next. In the long run, any tapering by the Fed would reflect an improved outlook for the economy and should bode well for stocks. But traders say volatility will remain high in the short run as the Fed's next move remains uncertain.

"We're going through a transition from a liquidity-driven equity market to a market more driven by economic and corporate fundamentals," said Bernard Kavanagh, vice president of portfolio management at Stifel Nicolaus.

In the currency market, the U.S. dollar rose versus its main trading partners. The greenback has been strong recently as investors bet the U.S. economy will grow faster than most other developed economies.

What's moving. Gold prices fell 3%, to $1,214.50 an ounce. That put pressure on shares of Newmont Mining (NEM, Fortune 500), which sank 4%.

Shares of large homebuilders were under pressure as investors worry that higher mortgage rates will cool the housing market. Lennar (LEN) and D.R. Horton (DHI) fell more than 3%.

Meanwhile, shares of regional banks, which are expected to benefit from rising interest rates, rallied. Lincoln National (LNC, Fortune 500), KeyCorp (KEY, Fortune 500), SunTrust (STI, Fortune 500) and Comerica (CMA) all gained more than 3%.

Mixed news overseas. Europe got a boost Thursday when the region's central banks signaled that interest rates would remain at unusually low levels for an extended period of time. But European markets gave back some gains Friday. The DAX in Germany fell 2.3%.

Related: Fear & Greed Index

Investors also monitored the political turmoil in Egypt, which has sent oil prices higher in the past few days, and in Portugal, where leaders are trying to prevent a government collapse that would undermine its 78-billion euro bailout.

Asian markets ended with gains. The Hang Seng index and the Nikkei in Japan both ran up by roughly 2%.

First Published: July 5, 2013: 9:45 AM ET

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Europe's central banks step up dovish talk

Mario Draghi said the ECB had a "downward bias" on interest rates, taking the unprecedented step of issuing guidance on future policy as rising bond yields threaten the European economy.

LONDON (CNNMoney)

In a significant break with previous practice, the European Central Bank and Bank of England gave investors much more insight into future policy and warned about the possible impact of a rise in market interest rates -- triggered by higher yields on U.S. Treasuries after the Federal Reserve said it could begin to tighten policy later this year.

"The governing council expects the key ECB interest rates to remain at present or lower levels for an extended period of time," ECB President Mario Draghi said at a news conference. The bank decided to keep rates at a record low of 0.5%.

Recent survey data have pointed to a stabilization in the recession-hit eurozone economy and accelerating growth in the U.K., but Draghi said the risks were tilted to the downside. He joined new Bank of England Governor Mark Carney in warning about tighter global money-market conditions.

Draghi said the bank's governing council made a unanimous decision to issue forward guidance with the aim of signaling a "downward bias" in interest rates for the foreseeable future. The ECB will adjust its guidance as the medium-term outlook for inflation, growth and credit flows changes, he said.

While this may be a pale imitation of the Fed's approach of linking policy to a specific target for unemployment or inflation, it represents a major shift for the ECB, which had refused to issue guidance in its 15-year history.

"Like Mark Carney's Bank of England earlier today, the ECB wants to signal to markets that monetary tightening is further away than some implied market expectations would suggest," said Holger Schmieding, chief economist at Berenberg.

Investors cheered the dovish talk, sending European shares sharply higher and the euro and pound lower against the dollar. Sentiment was also helped by signs that Portuguese politicians are trying to prevent a government collapse.

Related: Fed officials in damage control mode

The Bank of England earlier kept its interest rates at a record low of 0.5%, and its asset purchase program at £375 billion.

Economists had played down expectations of any dramatic changes at the bank under Carney's new leadership this month, saying markets would probably have to wait until August, when the bank could begin to issue forward guidance on interest rates along the lines of the Fed.

Recent business surveys suggest the U.K. economy may have grown by as much as 0.6% in the second quarter. That's double the rate seen in the first three months of the year, when it managed to avoid a triple-dip recession. House prices have also been on the rise.

But analysts have warned that the economy is still far from the "escape velocity" Carney has been hired to help deliver.

Household finances are still squeezed by falling disposable incomes and government austerity measures, and loans to business and individuals are still choked. Turmoil in the eurozone remains a risk for U.K. exporters.

Related: Investors dumping bonds

IHS Global Insight chief economist Howard Archer said the bank's decision to issue a statement signaled a significant shift towards providing forward guidance on monetary policy.

"Amid increased global financial market turmoil, the monetary policy committee likely felt it was a good move to make it clear at an early stage that any tightening in UK monetary policy is a considerable way off," he said.

First Published: July 4, 2013: 8:19 AM ET

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China probes baby milk price fixing

Before a crackdown by Hong Kong authorities, infant formula was taken over the border to Shenzhen in large quantities. Strict limits are now enforced.

HONG KONG (CNNMoney)

The National Development and Reform Commission investigation, first reported by state media, is said to target companies including Mead Johnson Nutrition, Danone (DANOY), Abbot Laboratories (ABT, Fortune 500), Nestle (NSRGF) and Biostime (BTSDF).

"Based on the evidence obtained, these companies are involved in price control with distributors and retailers, aimed at excluding fair market competition," an anonymous NDRC official told state media. The NDRC is China's central economic planning agency.

China's demand for foreign-produced formula has been growing since 2008, when melamine-tainted infant formula led to six deaths and caused hundreds of thousands of other children to fall ill.

At least one of the foreign companies under investigation, Nestle-owned Wyeth Nutrition, has already agreed to lower prices.

"Wyeth Nutrition has been actively cooperating with NDRC in its investigation of infant formula manufacturers' pricing practices in China, and it is committed to continuing to cooperate with NDRC in its investigations," Wyeth spokesman Bob Cao said in a statement.

As a result of the investigation, Cao said the company had assessed its pricing practices and decided to "improve certain sales and marketing practices."

The company will lower prices by an average of 11% through 2014, while certain product prices will be slashed by a maximum of 20%. Prices on any new products will not be increased over the next year.

Other companies contacted Thursday did not immediately return requests for comment. State media reports made no mention of fines or other possible sanctions for companies found to have fixed prices.

There was some evidence that the investigation extends beyond formula producers and that regulators are taking a look at the broader dairy industry.

Fonterra, a New Zealand-based dairy cooperative, also confirmed it had been contacted by the NDRC. The company has a small business in China, but does not sell infant formula in the country.

Related story: China draining world baby milk supply

Chinese families, fearful of tainted formula, have been scouring the globe for milk they perceive to be safer. The rush has created shortages as far afield as the U.K.

Major supermarkets in the U.K. including market leaders Tesco (TESO) and Sainsbury's began restricting purchases of formula in April in an effort to prevent private exports to China.

The rationing in U.K. stores followed shortages reported earlier this year in some Australian shops. Customers had been buying formula in bulk and either sending it to their family and friends in China, or selling it online for a profit.

Hong Kong has also introduced baby milk restrictions at its border. Travelers cannot leave with more than more than 4 pounds of formula, and several people have been arrested for smuggling more than their allotted quantity.

First Published: July 4, 2013: 5:28 AM ET

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China opens investigation into drug prices

HONG KONG (CNNMoney)

In a statement posted online, the National Development and Reform Commission said 33 companies will be investigated over pricing, while 27 more face inquiries over input costs.

Among the companies targeted are the China operations of GlaxoSmithKline (GLAXF), Astellas (ALPMF) and Sandoz.

The NDRC is China's central economic planning agency. The group regularly reviews drug prices, and periodically implements price ceilings that apply to government reimbursement levels. The agency also directs bulk purchases of pharmaceuticals by local and provincial governments.

The investigation is the second price-related inquiry launched by the NDRC in recent days.

A probe into price fixing at infant formula producers announced earlier this week has already yielded results, with at least one foreign producer agreeing to cut prices by up to 20%.

Related story: China probes baby milk price fixing

Ben Cavender, an associate principal at China Market Research Group, said that the investigation into drug pricing should not come as a surprise to foreign drug companies operating in China.

"Foreign companies are going to be under a little more scrutiny," Cavender said. "That's just the price of doing business here."

But Cavender said the scope of this particular investigation, and the very public way in which it was announced, is a message to the industry.

"There has always been a lot pressure here to keep prices affordable for consumers," Cavender said. "There is a lot of pressure within the government to make sure people are able to go out and buy products."

Drugmakers are also under pressure to reduce costs in China as the country's population grows older, a trend that is straining the country's medical system and care facilities.

China currently has more than 185 million citizens over the age of 60, according to a recent study. The elderly now account for around 12% of China's population, a figure that is predicted to swell to 34% by 2050.

Adding to the challenge, China is being forced to confront a large elderly population at a time when its society and economy are rapidly changing.

Related story: New portrait of China's 185 million seniors

Part of that change is an attempt to move from an economy that is reliant on investment to one powered by consumption.

"This is an issue for the government," Cavender said. "They are looking at inflation and looking at prices and trying to make sure that people can spend."

-- CNN's Esther Pang and Vivian Kam contributed reporting.

First Published: July 5, 2013: 2:39 AM ET

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Smartwatches shouldn't look like watches

Sony's Smartwatch 2 has a fatal flaw: It still looks like a watch.

NEW YORK (CNNMoney)

This year's iteration boasts a waterproof housing, a few extra pixels in a slightly larger display, and NFC (near-field communication) functionality, but the basic concept is unchanged from the last generation. Sony (SNE) expects us to interact with its smartwatches as though they were dumbed-down smartphones.

It's an idea that will immediately resonate with the masses. It triggers those childhood sci-fi fantasies. But it's also certain to frustrate and confuse, because it's not how wearable tech should be implemented.

We've seen demos of flexible touchpanels and contextually aware components, but we're still hung up on trying to mount tiny, self-contained displays on a technologically inert band.

Just as early tablets were hell-bent on trying to wholly replicate the function of a desktop PC, most current smartwatches are caught up trying to mimic the UX and UI of a smartphone. That's an ugly solution.

Consider Apple (AAPL, Fortune 500)'s patent application for a smartwatch-type device, or the recent product concept sketched out by Frog Design: their hypothetical products bear little resemblance to a conventional watch. These are just rough, early ideas, but they at least offer insight into how some of the world's best tech companies and designers are thinking about this space.

The concepts have information displayed across the wrist in non-traditional but potentially more efficient manners. They recognize that there's a better way to convey data than working within the confines of a small rectangle.

Corporate partnerships notwithstanding, there's a good reason why Apple CEO Tim Cook publicly professed his love for his Nike+ FuelBand fitness tracker: It's not trying to be a watch. It's not pretending to be a watch. It wants to be new.

The FuelBand hasn't realized its full potential by a long shot. It's extremely limited. But you can better envision the future possibilities of a device that looks and behaves like a FuelBand than you can with these devices that mimic watches.

If our smartwatches can help us determine whether or not we need to pull out our phones to field a call or email, that's exciting. If they can predict our next activity and give us all the contextual information we need -- navigation, weather and so on -- that's exciting. If they can collect ambient data on us and our surroundings (our vitals, location, any nearby friends) and relay that back to our phones, to our Internet of things, to the rest of the world -- that's exciting.

But if we can do all of this without wanting to chuck the gizmo out a window, that's what will make them great.

I recently struck up a conversation with an industrial designer who lamented the expectation that smartwatches have to look and function like smartphones on our wrists. In reality, they just need to effortlessly deliver important information at the moments we actually need it.

We don't need to directly interact with Twitter and Facebook (FB) from our wrists. We don't need to watch YouTube videos, either. And if we're going to take up that space on our wrist, the whole band might as well be put to good use.

That basic sentiment is something that Google (GOOG, Fortune 500) has correctly latched onto with Glass. Instead of giving users unfettered access to the entire Web, Google crafted a very specific experience that only offers access to the most essential information. The point isn't to replace your smartphone or computer. It's to avoid having to use them when you don't absolutely need to.

Just like the phone functionality isn't the primary feature of smartphones these days, timekeeping will hardly be the main reason to wear a smartwatch, or whatever we end up calling them. By trying to fit all these exciting new ideas into an antiquated analog, we're ultimately limiting the imaginative possibilities of these devices.

First Published: July 3, 2013: 12:03 PM ET

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Health care stocks pull back

Shares of hospital operators sold-off Wednesday on delay in health care reform.

NEW YORK (CNNMoney)

Investors had been betting that hospital operators and insurance companies would benefit from an increase in the number of insured workers under the law, widely known as Obamacare.

Shares of Tenet Healthcare (THC, Fortune 500), which operates hospitals and outpatient centers in 11 states, fell 4% Wednesday.

Investors also punished shares of HCA Holdings (HCA, Fortune 500), LifePointHospitals (LPNT), Community Health Systems (CYH, Fortune 500) and Health Management Associates. (HMA, Fortune 500)

The iShares Dow Jones U.S. Health Care Provider Index Fund (IHF) , which includes drug stocks like Johnson & Johnson (JNJ, Fortune 500) and Pfizer (PFE, Fortune 500), was down1%.

Shares of major health insurance companies also pulled back. UnitedHealth (UNH, Fortune 500), Humana (HUM, Fortune 500)and Aetna (AET, Fortune 500) were all down about 0.5%.

The Treasury Department said Tuesday it will delay a provision in the law that requires businesses to provide their workers with health insurance or face fines.

The decision came after businesses complained about the complexity of the law's reporting requirement, which applies to firms with more than 50 full-time employees that don't already provide coverage.

Critics say the law will cause small businesses to cut back on full-time workers and hire more part-timers to avoid penalties. But the delay is not expected to have a major impact on profits for big insurance companies.

Related: Delay in Obamacare - what you need to know

"I don't think this is a game changer for the industry," said Les Funtleyder, a health care strategist at Poliwogg, a New York-based investment firm.

Funtleyder said the provision was seen as a "marginal positive" for insurance companies, although the decision to delay raises questions about what other aspects of the law may be changed.

"There's probably some uncertainty discount being built into the stocks," he said.

Funtleyder said industry analysts are more concerned about the implementation of federal health insurance exchanges, which are supposed to take effect Oct. 1.

While a few state-run exchanges are moving forward, he said federally managed exchanges in about 30 states appear to be behind schedule.

"A lot of people are wondering if that will be delayed," said Funtleyder.

First Published: July 3, 2013: 12:25 PM ET

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Don't let gadgets devour the family budget

Help your child figure out how much to save for a gadget that's not in the family budget.

(Money Magazine)

Living in a digital world sure gets expensive.

The average American home has more than twice as many Internet-connected devices as people, the NPD Group reports. And annual household spending on electronics last year was up 36% over 2011, to $1,312, the Consumer Electronics Association says.

Here's how to keep your clan tech-happy without going broke:

Swap home upgrades

You know waiting until a wireless contract is up significantly cuts the cost of a new mobile device. But you might not know that most carriers let you exchange upgrades within a family plan, which is ideal for when your teen cracks his screen or one of you needs a specific new feature (like point-by-point audio navigation). Applying another family member's upgrade -- assuming the person is happy to keep his or her phone -- helps you avoid paying full price.

Related: Best advice now for saving and spending

How it works: You renew the contract and get the phone, but don't activate it, says Dan Ackerman of tech site CNET. Then simply ask the carrier to have the cell connected to another line.

Opt for the next best

While early adopters pay a premium, those who buy older versions are rewarded. The newest iPad sets you back $499, for example, but the earlier one costs $399. Going back two generations on a device saves more, and can make sense if you don't need the latest bells and whistles.

Prefer the current model? Buy it refurbished.

"Refurbished tech products often provide big savings with little compromise," says Rick Broida, who writes for PC World. (A fixed-up version of the newest iPad sells at a 10% discount.)

Devices are quality tested; phones usually get new batteries. Most companies even offer some kind of warranty.

One caveat: Avoid refurb TVs, says Ackerman, as they may require costly repairs.

Put old models to good use

After you replace a device, pass the older model to one of your kids. Or trade it in: Amazon, Target, Best Buy, Apple, and Gazelle.com all have buy-back programs. You can get cash or, in some cases, credit for your electronics (sometimes the latter is worth more, notes Ackerman).

Related: Best deals on tech

For a Samsung Galaxy S3 in good shape, you could recoup $150, almost enough for a new one.

Hand over the tab

When your child is desperate for a gadget that's not in the budget, help her figure out how much she needs to save in order to buy it herself, says Neale Godfrey, head of financial literacy firm Green-Street Commons.

Ultimately, the child gets what she wants, along with the satisfaction of having earned it. And you don't end up holding the bill.

First Published: July 3, 2013: 4:06 PM ET

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Easy ways to keep your online accounts safe

NEW YORK (Money Magazine)

Sure, you'd be safer, since cyber-criminals would have fewer chances to hijack your computer via booby-trapped websites or emails. That strategy, though, isn't foolproof or practical, says Al Pascual, an analyst at Javelin Strategy & Research.

Instead, install an antivirus program such as Avast Free Antivirus (a top CNET pick), update your software so that newly uncovered security holes are patched, and rely on one web browser just for your financial activities.

Use your machine's default browser for everything else; if that's compromised, your financial information will be isolated.

Related: 13 killer Windows 8.1 features

Sign up for account activity alerts at your bank, and don't recycle the same password for different institutions.

First Published: July 2, 2013: 5:34 PM ET

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