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

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.

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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.

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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.

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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.

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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.

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Kevin Faber

CEO Silver Summit

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Last Updated on April 3, 2019

How to Nix Your Credit Card Debt in Less Than 3 Years

How to Nix Your Credit Card Debt in Less Than 3 Years

Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

Hint: there are ways that are easier than you think.

1. Consider Consolidating Multiple Credit Cards If Possible

This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

2. Try to Pay the Full Balance You Spent Each Month at the Very Least

You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

3. Pay Extra When You Can – Every Small Amount Counts

This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

4. Create a Plan on How to Pay Extra

Back to the main point, having this plan is giving you one less thing to think about.

This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

5. Cut out Costs for Services You Do Not Use

If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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6. Get Aggressive About It

Consider these points:

Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

7. Reevaluate Your Progress at Set Intervals

Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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Finally (and most importantly)…

8. Keep Trying

Do not get discouraged. Pushing it off will make it worse. Just keep trying.

Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

Start Knocking out Your Debt Today

The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

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Featured photo credit: Pexels via pexels.com

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