Advertising

How to Choose a Dentist for Your Family’s Individual Needs

Advertising
How to Choose a Dentist for Your Family’s Individual Needs

Dentistry is like any other business. The field survives on everything from advertisements, to proper certification, to word of mouth. That being said, the three basic ways to choose a dentist is to ask an acquaintance, co-worker, friend or family member; ask your physician or local pharmacist; or visit ada.org to see a listing of dentists near your area, or in your state. If you are moving to another city or state, you could ask your current dentist for a recommendation.

What to Look for in a Dentist

In order to ensure that you are with a dentist who cares about his or her practice, there are some basic things that you will want to look for. The first is to ensure that they’re truly hygienic – that is, that the office is clean and sterile, and that the staff wears gloves and masks.

The second thing that you want to explore is whether the office is easy to get to from your home or your work, and whether they can accommodate your schedule.

Advertising

Perhaps the third thing that you should check is whether the dentist is properly educated. That is, where they went to school, and whether he or she attends conferences and workshops to stay updated.

Last but not least, it is very important to find a dentist who participates in your current insurance plan. This is important if you are planning to receive cosmetic dentistry, as it helps to keep your bills lower than they would be otherwise. This also tends to be especially important with people who have families, as families are often on a limited budget.

If You Have Children, Be Sure to Find a Dentist They’re Comfortable With

For children, going to the dentist can be a very frightening experience. If you have children, you will likely want a dentist who already has years of experience, because he or she will probably be more familiar with the different kinds of dental needs that children can experience.

Advertising

Finding a dentist who is easy to talk to is especially important, because that means it is more likely that he or she will not be put off by ignorant questions that children have been known to ask.

Also, direct eye contact is very important. Most young children don’t understand certain concepts, such as shame and self-esteem. If an adult fails to make eye contact with them, they tend to believe that it’s because they’re doing something “wrong” and/or because that adult “hates” them.

Dentists are in a position of trust with people of all ages, and this includes children. Many dentists, when operating on a patient, use interior glass doors to make the room as comfortable as possible. It is critical that children learn to trust people outside of their family from a very early age so as to help them see the world as a generally trusting place.

Advertising

Rewards after the appointment, such as toys, are great. However, even though they may not be old enough to verbalize it yet, gentleness coupled with patience and honesty is what children tend to notice the most.

Sedation

Sedation dentistry should be used with care. In fact, if you or anyone in your family requires sedation of some sort, one of the first things you should do when seeking out a new dentist is to familiarize yourself with the types of anesthesia that they use. Today, instead of using sedation only for surgeries, mild sedation can be used to calm a severely anxious person.

Mild sedation is used in these cases because the patient can still respond to the dentist’s questions and commands. This has been a great thing for many people with severe anxiety when at the dentist office.

Advertising

It is important for you to consider you and your family’s individual needs when choosing a dentist. It is worth the time to explore your options to find the dentist that best fits your needs.

More by this author

Kevin Faber

CEO Silver Summit

Necessary Steps When Teaching Your Teenager to Drive How to Choose a Dentist for Your Family’s Individual Needs Getting Out of Debt Getting Out of Debt in 4 Simple Steps 7 Things to Plan For Your Long Distance Road Trip Coming Back From the Debt Trench? 5 Ways to Do So

Trending in Money

1 Financial Freedom is Not a Fantasy: 9 Secrets to Get You There 2 40 Healthy And Really Delicious Meals You Can Make Under $5 3 Life Insurance: A Secure Way To Protect Your Future. 4 How To Save Money On Groceries: 13 Quick Tips 5 10 Investment Tips For Beginners

Read Next

Advertising
Advertising

Last Updated on July 20, 2021

Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

Advertising
Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

Have you ever considered your life now, and how it would be if you had more time to spend with your family and less worries about money?

Nowadays, financial stress is one of the most troublesome weights in life. If you’ve ever encountered financial stress, you know the difficulty of not having enough income to pay your obligations or bills.

Many people say that money is not the ultimate goal of life. While that’s true, money certainly plays a very significant role. The meaning of financial freedom changes with the different phases of our life, but ultimately, it is something that many people strive for.

In this article, we’ll explain how to capture that financial freedom you’ve been looking for. Read on to learn the secrets to financial freedom.

Break Free of Your Finances

Financial freedom is about having a constant flow of cash from your assets to cover all your regular needs.

When you are not worried about your income, or living paycheck to paycheck, you gain a great sense of freedom. It’s the freedom to be obtain and do what you truly need to make your way through everyday life.

Gaining financial freedom, though, is a process of growth, making small improvements and gaining emotional strength.

Though it seems hard to believe, it is really very simple to get financial freedom.

To do so, you simply need to make sure that your assets exceed your liabilities. In other words, you’ll need to find the sweet-spot where your residuals meet or surpass your expenses. This is something that you can achieve with the proper plan.

While not every person will accomplish financial freedom, the potential for anyone to do so is certainly there. Anyone can achieve this success, regardless of their income level.

Advertising

Outlined below are 9 secrets that will help you in your goals of achieving financial freedom.

1. Stop Unnecessary Spending

We often spend money inwardly, instead of objectively.

For example, you may spend when you’re anxious, depressed, restless, exhausted, from fear of missing out, or to please others. This is a very unhealthy way to handle your finances.

To stop this habitual spending, log down all your spending over the course of a month.

Just as some people keep a food diary, keep an expense diary. Remember not to just write down how much and what you spent the money on, also include the circumstances of why you spent the money. Was it an impulse buy at the checkout line or was it something you planned to purchase?

This increased self-awareness could enable you to avoid triggering situations in the future when you are considering an impulse buy.

2. Plan a Monthly Budget

This is a great opportunity to get serious.

Take a seat with your spouse or partner and make a monthly budget based on your income, not your expenses. You are never again going to spend more cash then you have on hand.

Overspending is the thing that led you to more financial obligations. Make sure you decide every month what is coming in and what will be going out and stick to that budget… no matter what.

3. Cut-up Credit Cards

Perhaps you are the type of person who always pays your credit card balance in full before the end of your billing cycle, and enjoys the reward points you gain. If this is the case, then you’re already way ahead of the game.

Advertising

If not, you may want to consider ridding your life of the burden that credit cards bring.

Many cards have strategies set up so that if you make a certain number of late payments, they will raise your interest rate much higher. This can really add up in the long run and you won’t be doing your financial situation any favors. If you’re prone to late payments or have a large balance due on your cards, cut them up!

Without proper self control on credit card spending and payments, you are basically throwing your money away. To ensure that you have better control over your spending, use only cash or debit for all future purchases (and don’t forget to pay at least your minimum payment on your cut-up cards each month!).

4. Increase Savings

There is no doubt that for a comfortable retirement you must accumulate satisfactory savings throughout your working life.

It’s good practice to save up to 15% of your income.

Start with your workplace 401(k), if you have one. If not, a Roth IRA (if you are eligible) or a traditional IRA (if you are not eligible for the Roth) are the next logical steps.

Increase in longevity means you might be able to look forward to 25 to 30 years in retirement, or possibly even significantly more. Investing now in good retirement plans will ensure that you have a guaranteed a stable monthly income when the time comes to stop working. [1]

5. Invest Wisely

Consider investing in funds.

Specifically, you will gain higher returns if you invest in different types of mutual funds such as Debt funds, Equity funds and Hybrid funds with a proper balance, although it absolutely relies on your personal preferences and sense of risk taking.

To get the most of these benefits, make sure you are investing in a variety of assets. Another resource of investing in mutual funds is SIP (Systematic Investment Plan) where you invest some money every month in funds. SIP works by averaging the per unit price of the stock.

Advertising

Mutual fund investors are aware of the benefits of an SIP (Systematic Investment Plan). For one, it is the most secure way to invest in equity mutual plans so that wealth is created over a long period of time. This plan also helps you to gain a better sense of financial discipline, which will come in handy in all your financial endeavors.

6. Invest in Gold

There isn’t really a better way to invest in gold than to have the physical gold itself in your possession.

You can purchase gold coins and bars from mints as well as from coin dealers and other private sellers.

Another way to invest in gold is through ETFs (Exchange Traded Funds).

These are is similar to mutual funds but they are exclusively investments of gold. ETFs are great because they offer more liquidity; the ETF owns the actual physical gold, stores it, and retains the value of the shares. These shares can then be bought and sold in the stock market, and one big benefit is that the transaction costs of gold ETFs are much lower than the that of physical gold.

With its consistently-increasing demand, investment in gold can be very wise long-term investment to make.

7. Stash Emergency Funds

Whether it’s a cash gift or a work bonus, always try to save any extra money that comes your way rather than making unneeded purchases.

If you get paid every other week, you’ll get an “extra” paycheck (three rather than the usual two) twice a year. Either save those paychecks towards your emergency funds or utilize the money to pay down other obligations, such as loans, credit cards or other debts.

Make it hard to get your cash.

Put your savings in an alternate bank, maybe an online bank that forces you to delay for several business days before transferred money hits your regular bank account.

Advertising

8. Find Fabulous Mentors

Find a mentor, such as a friend or family member, who has exceptional control over their finances and pay attention to everything they do.

If you do not have any friends or family that are enjoying financial freedom, then find a mentor online! There are numerous blogs and guru websites featuring the advice of many people who have reached financial freedom, and they exist primarily to let you in on how to achieve it for yourself.

There are also plentiful forums available that share tips and tricks on how to best achieve financial freedom. Read as much as you can and start changing your habits for the better.

9. Be Extra Patient

Patience is the key of financial success.

Being patient can be quite tough, especially when you’re struggling with your finances, but having faith is worth it. You’ll continuously be on the right track if you are taking the proper steps above.

So don’t be discouraged, even if you are only saving a few dollars a month; it all adds up. Within just a few years you’ll look back proudly at your accomplishments and be glad that you had the patience to get there.

Financial Freedom for All

Anyone can achieve financial freedom, regardless of their financial circumstance.

Use the tips provided above to get yourself on the track to financial freedom and toss your monetary concerns out the window. If you wish to achieve a life with financial freedom for yourself and your family then you must adopt a disciplined approach towards your finances.

Following the simple secrets above is a great start to making your money work for you, so you can work less and live more!

Featured photo credit: rawpixel via unsplash.com

Advertising

Reference

[1] Hartford Gold Group: IRA Retirement Accounts

Read Next