For many seniors, those who are retired, or those close to retirement , a trip to the dentist can be quite scary. Many of these people are afraid of something being found that will be expensive or will cause problems in the future that they don’t want to deal with, or don’t feel able to do anything about it. Because of this many rarely find their way to the dentist office.

As a result, they end up living with pain, discomfort, and dental conditions such as crooked or missing teeth, which can cause serious health concerns, but can also impact self-confidence and self-esteem. Thus, when things get bad enough to make a dental appointment a necessity, many people fail to go about choosing a dentist in the best manner.

When this happens, a number of things might occur, such as having procedures go horribly wrong, thousands of dollars in unexpected costs, or other unpleasant surprises. To make sure this doesn't happen to you, here are some of the biggest dangers that may be encountered when choosing the wrong dentist.

Unexpected Costs

While many people who are retired have some sort of dental insurance, they still make numerous mistakes when choosing a dentist. One of the biggest involves choosing a dentist that is not within the dental insurer's network, which can lead to hundreds or thousands of dollars in out-of-pocket costs. This can be extremely difficult as the access to such information can be somewhat obscured, and hard to find.

However, many people fail to realize this when they choose a dentist, and only find out when they are presented with the bill. To keep this from happening, always check with any dentist you are considering using to see if they participate in your dental insurance network, or check with your employer before contacting any dentist. Dental offices will treat you with respect and will do everything they can to help you, so answering these sorts of questions isn’t a problem!

Past History of Problems

Before using any dental professional, always make sure you thoroughly check out their credentials, as well as seeing if they have a reputation for having had past problems with patients regarding faulty procedures or other issues. It’s also essential to learn how they treat older adults. Some doctors and dentists have bad habits of not listening to the concerns of what they see as “elderly people” thinking they are too sensitive or weak. Which is why it’s absolutely vital to find one that has a good relationship with their older patients.

While any dentist will likely be licensed to practice in your state, they may have had numerous complaints lodged against them by patients for performing unnecessary or incorrect procedures. Also, if once you're in the exam chair they start suggesting you have various types of procedures done, it's always best to seek a second opinion. In many situations, they are either trying to run up your bill as high as possible, or may be working with a specialist, such as an orthodontist or periodontist, to steer unsuspecting patients their way.

Improper Training

In some dental offices, neither the dentist nor the staff has been thoroughly trained in today's state-of-the-art dental technology. As a result, once a patient sits down in the exam chair, it can become a very dangerous situation. Dentists are held to the same standards as doctors and when they mess up it is also a form of medical malpractice.

For example, an error with anesthesia might result in the wrongful death of dental patients. In another instance, instruments used have not been properly sterilized, causing infections. And in other situations, materials may have been improperly prepared, leading to cavities that are not properly filled, resulting in additional problems. To keep this from happening, always find out about the training of the dental staff, including dental assistants and dental hygienists.

Since these people will be providing much of your treatment during your visit, making sure they are trained, experienced professionals can make all the difference.

Outdated Technology

While a decade or so ago x-rays were done by radiography, today's modern dental offices rely on digital x-ray technology to get a better look at patient's teeth. Since this updated technology can detect cavities that in years past would not have been detected by traditional x-rays, it can prevent numerous problems from occurring.

Therefore, if you choose a dentist and then find they don't use digital x-rays or other types of modern equipment or techniques, excuse yourself and find a dentist who does, since your dental health will be at stake.

Lack of Respect for Patients

If you arrive for your dental appointment and feel very uncomfortable around the dentist and staff, you need to look elsewhere. For example, if the staff or dentist lectures you, belittles you, or attempts to pressure you into agreeing to expensive treatments that may not be necessary, you've chosen the wrong dentist. Like stated before, this is doubly important for those who are retired or seem older since sometimes people in this situation can be mistreated.

To make sure you have the right dentist and staff for your needs, always make sure you are not kept waiting long periods of time after you arrive for your appointment, are treated with the utmost respect, and are kept well-informed about any procedures you may need, as well as the costs associated with your treatment.

The Takeaway

Perhaps most of all, always trust your instincts when trying to choose a dentist. If you don't, you'll regret it in regards to cost and the quality of treatment. For example, if you find the dental equipment and supplies they are using are not from the U.S., or they try to sell you extras such as dietary supplements, chances are they are simply interested in getting as much money out of your pocket as possible. By following the above-mentioned advice, your oral health will be put in the hands of dental professionals you can trust.

Here are a couple articles we think you’d also enjoy:

• Health Tips to Help You Skip Dentures After 80
• The 5 Kinds of Insurance You Need in Place Before Retirement

Your real estate investments and the choices you make regarding them will largely affect the quality of your retirement. In the past decade, we have seen countless retirees watch their retirement savings go down the drain due to poor real estate decisions, or real estate scams. Be sure to take time to educate yourself regarding these common scams. 

Hacking

One of the biggest problems regarding real estate these days is hacking. Hackers have gained the ability to enter into complex computer networks and do things such as stealing your down payment. Fraud prevention expert Robert Siciliano says, “a hacker could fool you into thinking he's your agent and trick you into sending him money, which you'll never get back. It's so bad the FTC even sent an alert warning consumers that real estate agents email accounts are getting hacked.” Be sure to do your due diligence, and keep your guard up regarding hackers. 

Bait and Switch Scam

If selling a home is part of your retirement plan, then beware of the classic “bait and switch” scam, which has plagued real estate for quite some time. This involves the prospective buyer placing an offer which is well above the market value. The seller of the home, in their excitement, signs off on the deal. However, the “buyer” has no true intentions of purchasing the home. After the contract is signed, the seller is locked into the deal for weeks or months, unable to speak with authentic buyers. 

The scammer then tells the seller a story as to why the price no longer works for them. They proceed to make an offer far below market value. More often than not, the seller, under the pressure of time and ongoing costs, agrees to the lower offer. You can avoid this scam by confirming the buyer has adequate funds before they sign the contract. Also, refuse to grant extensions or reductions in price. If the scammer attempts to lower the price based on the condition of the home, remember to request an inspector to verify these claims. 

Loan Modification Scams

Usually, a homeowner seeks for a loan modification in order to prevent foreclosure. If the homeowner gets behind on their mortgage payment, they are approached by someone who claims to be affiliated with a government organization which isn't true. This person offers to help for an upfront fee. No legitimate source of help will ask for an upfront fee or for financial information right away. These offers should be turned away. If you find yourself in this type of situation, contact your lender to work with them directly to prevent foreclosure.

Conclusion

When making decisions regarding real estate, especially if your retirement is concerned, it is important to deal with verified real estate professionals. Be open with them about your process and allow them to assist you. Many people, when they finally realized they are being scammed or led into a sour deal, are embarrassed and ashamed. In their embarrassment, they try to hide their mistakes. Doing such can cost you your retirement, so always be transparent with your real estate professionals.

For more advice for planning your retirement, check out our wonderful homepage!

References:
Real Estate Elevated | How Real Estate Investors Can Protect Themselves From Scams
Scam-Detector | 10 Real Estate Scams That You Need To Avoid Today
Bankrate | Avoiding mortgage modification scams

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Many people live on a very tight budget that leaves little to no money available for saving or investing. You may be aware of the financial recommendations to begin saving and investing for the future as soon as possible, but this may seem impossible based on your current circumstances. Each person has a unique financial situation (personal finances can be pretty tough), but most may be able to make a few changes to free up money that can be used for investment purchases.

Pay Off Debts

One of the primary reasons why many people live on a tight budget is because they are financially overwhelmed by high debt payments. Keep in mind that eliminating your debts would free up a substantial amount of money that can be used for investments in the future. More than that, some people could benefit from an increase in income to them get through their tough times. Develop a debt reduction plan as a first step toward finding money to invest.

Adjust Your Budget

Regardless of whether you need to start your financial improvement process by paying off debts or you are ready to begin investing right away, adjust your budget to free up extra cash. The best budgetary adjustments are focused on reducing fixed expenses. For example, sell one of your cars to get rid of an auto loan payment, or shop for cheaper insurance. By making budget adjustments, you may free up a few hundred dollars or more each month that may be used for debt reductions or investments.

Use the Right Online Trading Platform

Once you are ready to begin contributing money toward your investments regularly, look for an online training platform to use. While it is easy to assume that all platforms are the same, they usually vary in significant ways. For example, the trading fee can differ substantially. The types of investments that you have access to as well as the research tools offered through the platform may also vary.

It may seem like you cannot feasibly start investing at this time, but this may not be the case. You can see now that there are several steps that you can take to begin improving your financial situation and to free up cash that could be used to purchase investments regularly. Initially, you should review your case with debts and create a realistic budget. By doing so, you can better determine the steps that you need to take to start investing more money on a regular basis.

References:
https://money.usnews.com
https://www.powerfinancetexas.com
http://www.africamoneyskills.com


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Courtesy of Soberlink

If you’ve spent any amount of time on Facebook, Instagram, or Pinterest, you’ve probably noticed something: motivation is trendy. Everyone’s trying to bolster their own personal success by using inspirational quotes. And if you want to stay current, you should too. But how do you make quote graphics? Which quotes should you choose? Here are some quick tips for social media success.

Choose the Right Quotes for Your Audience

While inspirational quotes are great, it's difficult to keep everyone engaged. It's always important to target your quote for your audience. After all, these are the people most likely to purchase your company's products or services. If your company markets business software, you'll want to offer entrepreneurial quotes. On the other hand, healthcare companies might regularly post quotes appealing to nurses or doctors.

Create Your Own Images

While it might seem easy to begin grabbing motivational images, this is rarely the best option. Your company could find itself in trouble from using copyrighted images. Of course, using quotes means attributing them to their respective authors. However, it's best to use your own images while creating posts based around these quotes using tools like Canva. This also helps to ensure that your business is effectively branding all created content.

Place Quotes on Company Social Media Pages

After creating the right images, you might wonder where to post them. Considering that, you'll want to ensure these images are on your company's social media pages. This ensures that your company is popping up in followers’ feeds, staying fresh in their minds. In addition, this shows followers that your company is worth continuing to follow.

Try to Avoid Spamming Quotes

While it's important to have a stream of content, this can go wrong. With that in mind, it's important to avoid going overboard regarding inspirational quotes. It's great to want your audience to stay motivated. However, posting too many images each day could cause more harm than good. Your followers want fresh contact but they don't need to be bombarded. Therefore, consider keeping posts relevant and not creating more than a few per day. Social Media Today reports that posting too much will likely "annoy your followers."

To summarize, inspirational quotes are important ways for companies to market themselves. Many companies have grown their online following through this type of marketing. However, it's important to follow a few guidelines while creating these types of posts. If you follow the previously mentioned tips, your company might obtain a similar type of success.


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Many Americans have major concerns that they will be able to achieve the retirement of their dreams. While it may be more difficult than it was a couple of decades ago, experiencing a great retirement can still be a reality for young adults. Here are some ways to make it happen.

Start Saving Early

The key to having a great retirement is having sufficient funds available to pay for it. This could mean having a great pension as a parachute. However, most people don't have this luxury. This means that they'll need to start saving as soon as possible. People who start saving in their twenties or thirties will be able to see their stash of cash grow because of compounding. It's simple. The earlier a person starts, the more time her money has to grow.

Minimize Expenses Today

Another step toward achieving an amazing retirement is through cutting expenses. Those who need less money today to live a fulfilling life will likely need less money in retirement to enjoy their golden years. Every dollar that's left over after expenses is a dollar that can go toward saving for retirement.

Estimate How Much You Need

To have an idea of how you're going to get to where you want to be in terms of retirement, you have to have a map that will track the steps that are necessary to get there. This is where the planning rubber meets the road. Figuring the amount that you'll need for an amazing retirement will involve figuring out how much you can expect to pay for a mortgage or rent, transportation, and food. Additionally, if you're looking to travel or spend time in a tropical location, it's a good idea to figure this into your retirement budget.

Consider Geographic Arbitrage

If you're really ambitious and open to adventure, it's possible to retire abroad, or at least in a cheaper locale within the US, to cut down on the amount needed to finance retirement. When retiring abroad, it's important to remember that immigration processes can be difficult and costly. However, the living expenses after these initial costs can be quite a bit cheaper over time, especially in countries where the dollar is strong.

Invest Aggressively

Investing in CDs will not work in a low-interest environment. This means that you'll want to keep quite a bit of your nest egg in growth investments like stocks or mutual funds so that you avoid losing money to inflation. Additionally, it's important to remember that you will want to avoid drawing down too much money, especially early in your retirement years. Most advisors recommend withdrawing between 3 and 4 percent annually to avoid running out of money.

Saving money early and then living off of investments is a great strategy to see that you're able to retire comfortably. Being willing to move to a cheaper part of the world might even mean that you can live on a tropical beach in your golden years. The time to start the planning process is now.

If you have questions about retirement and what you need to do to prepare, don’t hesitate to contact us today!


References:

American Funds | Starting Early to Save for Retirement Is Important
Kiplinger |  Retirement Savings Calculator
Dave Ramsey | How to Invest in the Right Mix of Mutual Funds
Freedom Law | Immigration Law

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As many adults approach retirement, their goal is to pay off as much of their mortgage balance as possible. After all, when your mortgage is paid off entirely, your monthly expenses will understandably decrease substantially. However, there are numerous benefits associated with refinancing a mortgage as you approach retirement or even while you are in retirement.

Pay Your Debt Off Faster

Many homeowners who have been paying on the same mortgage for years may have their debt established on a 30-year term with a relatively high interest rate. When you refinance your mortgage, you may be able to take advantage of a lower interest rate and a shorter term. These two factors combine together to give you potentially faster debt reduction.

Reduce Your Monthly Expenses

Depending on the specifics of your current loan and the new loan that you may qualify for, you could reduce your monthly mortgage payment. Keep in mind that your mortgage payment amount is based on the interest rate and loan term that you select as well as the amount of the loan’s original principal balance. If you had a starting loan amount of $200,000 on financing that started 15 years ago and that still has 15 years remaining on the loan, your payments are based on the $200,000 loan amount.

However, if you only have $50,000 left on your mortgage, you could refinance so that your payments are based on this much smaller loan amount. The result can be substantial savings.

Use the Equity

Another reason to potentially refinance your mortgage is to tap into your home equity. You may have tens or hundreds of thousands of dollars available in your home's equity. The cash-out refinance option can take some of that equity and turn it into cash in your hands. If you are a veteran, there may be even more options available to you when you use a VA cash-out refinance loan. This cash may be used to invest in income-producing assets, to pay off other debts with a higher interest rate, or to achieve other financially-beneficial goals.

Take Advantage of Tax Benefits

While it may seem ideal to pay off your mortgage, keep in mind that your mortgage gives you tax benefits each year. If you pull equity out or even if you simply apply for a rate-term refinance, you can continue to take advantage of the tax benefits while also taking advantage of some of the other benefits described here.

Your home mortgage is a debt, but it also can be an excellent resource when used strategically. Determine what your short-term and long-term goals are, and explore the many ways that refinancing may help you to accomplish your goals.

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