| Side effects include infection, irritation, scarring, rejection (especially with the navel piercing), and if you go to a dirty shop, you are at risk for Hepatitis.
If taken care of properly, you can avoid these things, but you have to make sure that you are ready for the responsibility.
As far as the pain, it all depends on your pain tolerance. If its high, it might not hurt. If its low, it may be a little uncomfortable. |