Paula my husband ameritas dental d I have just started our journey ameritas dental to financial independence here very recently and we would love your opinion on something that’s been kind of bothering us so we’ve been in our house a little bit over a year we owe about.
Three hundred and fifty thousand dollars on it and we bring home about twelve thousand dollars a month after taxes we don’t have any other debt except our vehicles which we’re hoping to crush is in the next couple of years and our mortgage payment is about twenty .
Three hundred dollars a month so in terms of ratio to our income it’s pretty good but my question is I’m not sure if it would be better to pay down extra on our mortgage aggressively or if we should plan to just sell it in a few years and downsize .
We live in Austin and so the real estate market is pretty healthy and I think it’s reasonable to assume that our home will continue to appreciate however I think we could have gotten a cheaper home and I’m also not sure if we live in
Austin forever so to speak so we thought about doing a combination of both maybe pay down the mortgage but also continue to put extra money into the stock market and given our incomes I think we could probably do that but ultimately.
I’m just really interested in what your perspective would be thanks so much Amy this is a really interesting question so at its core your question is should I pay off debt versus invest but there’s a third option that you’ve thrown in there a little bit of a added flare to this question which is pay off debt or sell
Patients humana dental insurance reviews that work for this company we’ve got so many and we need to sign up for this plan well the plan was not a very good plan at all .
We had to go back and research it but she had gotten the information she was ready to have .
the contract signed and send all the stuff in but we had to stop back and look and then we said oh no that’s just an option so when the patient’s call.
We shouldn’t say okay yes we’ll sign up for that plan we should say actually.
that’s not the best plan why don’t you keep the plan that you have and and and then the patient can make .
The decision but if they love you as the doctor they might choose the plan that they can go to you for then not yes but also don’t ever just panic and fill out paperwork and send it in.
Yes always double-check it and that’s really I see that a lot they think oh we have to keep our patients happy they always do it to keep the patient’s happy and then inadvertently .
They end up agreeing to percent lower fees then you’re already getting so pay attention to that don’t ever just send it in and don’t ever let a rep tell you that you’re gonna you know .
The world’s going to blow up if you don’t just in talking to a rep they sign up for another insurance plan but that insurance plan they were actually already covered under Guardian an umbrella plan and the plan.
That they signed up for individually had lower fees so guess what all of a sudden now they’re Guinea I think it was like lower reimbursement rates because.
They listened to a rep you gotta do your due diligence right so third question what is the point of tracking adjustments this I’m very passionate about .
This tracking adjustments does so much for you and I’ve got I talked to Docs they don’t want to track gross production they only want to track net.
They want to be able to look at practice management software their PMS and and go well that’s that’s the real money I should be collecting right better.
They think that their net production is equal to their net collections hey that’s one that’s not the case net production does not equal net collections but they don’t want to have to be confused they don’t have to do any conversions it’s so important for you guys to track your adjustments so important so I’ve got my points.
That’s kind of cool okay so SONICARE TOOTHBRUSH REPLACEMENT HEADS wet toothbrush head and a little pea-sized amount of toothpaste let’s see how this toothbrush works okay bit like that pieces now okay I’m just gonna roll it on alright let’s see how well this Sonicare Diamond Clean smart removes plaque.
All right so I’m going to go spit it out and I’ll come right back alright it looks like this toothbrush does a really good job I don’t see any green spots on my teeth it looks like I didn’t miss any plaque that is super exciting so while I was brushing.
I SONICARE TOOTHBRUSH REPLACEMENT HEADS was able to see there was like this little fine print in the app that it was like they wanted to know if I wanted it to have access to my data so so select a brush head according to your oral health care okay hopefully you can see it okay and then I’m just going to go okay and it’s showing me how to use it next says congratulations so you can see a congratulations.
You’re ready to start your Philips Sonicare journey and then on the bottom super cool it says char there’s day program to kickstart your whitening alright so learn more brush using white mode once per day okay start this goal attach the brush head now so it tells you exactly which one is for whitening that one or the green one or the blue one.
That’s the one with the flexible head okay continue attach this brush head now to continue for better plaque removal kudos to Sonicare for being very Pro plaque removal okay you smile the first thing people notice about you no handle was found okay so see.
When I turn it on your smile nothing happens okay connect to your handle personalized brushing we’re changing where you start okay so to percent of Americans suffer with chronic bad breath but brushing flossing and tongue cleaning can help okay looks like you’re brushing times on the short side try using this timer as a guide to help you improve clean View source SONICARE TOOTHBRUSH REPLACEMENT HEADS
Now being offered by finance companies as an alternative to dental insurance more and more people are beginning to see hope full coverage dental insurance hope that is in being able to afford to get expensive dental treatments at a discounted rate if you want to find the best discount dental plan finding one online will make the process easier for you you save on time and effort because most of the important information is already posted on the web keep in mind though.
That the features of discount dental plans will differ depending on the company that is offering it thus you will need to compare and contrast the plans against each other to find the one that you feel will work best for you there are many advantages of discount dental plans such as the unlimited charges in discount dental plans and the savings in discount dental plans.
The feet you will pay for one year will be more than covered by the savings in discount dental plans this is because the discount rates ranges from to a whopping percent off from the regular rates you can just imagine how much that is at the end of the year dental insurance there are some conditions you must meet to avail of the discount first you need to be updated with your payments second you will need to pay in cash third you will have to use the services of qualified dentists in the list of the finance company.
You cannot use your own qualified dentist unless he is on the list if you compare the conditions and terms against the advantages of discount dental plans you will not even sperry a second thought especially if you compare it with dental insurance dental insurance terms can be very rigid and uncompromising because it has a limit on the number of times you can get maintenance procedures as well as we required to submit existing dental conditions this is because existing dental conditions cannot be covered by dental insurance thus with the availability of discount dental plans.
Dental insurance can be very hard Https://www.dentalhelps.com to understand but that doesn’t necessarily mean that it it is worthless in order to get the most benefits from dental insurance you will need to understand how it works as always information is key in this video.
I will explain how to benefit from dental insurance and I will try to address such questions as how does the dental insurance work what is the best dental plan what is the difference between the dental PPO and HMO plan why is a waiting period.
How much does dental insurance cost am i required by law to have dental insurance also I will address and that such topics as individual versus group dental which one is better what is covered by dental insurance what’s the difference between in-network and out-of-network here.
All of this information will help Https://www.dentalhelps.com you decide if dental insurance is worth the cost please watch this video until the end as I will give out helpful tips and tricks that will help you get the most benefits out of your dental insurance also feel free to check out a side-by-side comparison comparison of various dental plans and the case study.
that I will be posting in the description section under this video ok so let’s get started how does dental insurance work if you’ve had health insurance you are going to be very familiar with how dental plan works if you are still confused I’ll explain how it works usually pay a premium every month.
it’s a certain amount monthly to buy the dental insurance plan your insurance won’t pay for everything so there are few things you might want to know like deductibles coinsurance and co-pays.
Policy manual for their Delta Dental of their state along with Delta USA the other PPOs have just one processing policy manual now I want to discuss about full coverage dental insurance with no waiting period what goes in that processing policy manual and some of the things that manual says first you’ve got to report all services.
So if I do crowns even though insurance only pays for the first couple crowns I’ve got to turn them all in if I do tooth whitening I’ve got to turn in the tooth whitening even though they’re not going to pay for it if they do veneers I’ve got to turn in veneers so all services for which you charge a fee are supposed to go in now.
Once you send that in they may come back and say we’re not going to pay for tooth whitening dr. Blair but we don’t like your $ Zoom fee here you’ve got to do it for what did they do to me they feed cap to me for non-covered procedures in other words insurance is not paying for it but they’re controlling my fee.
Can they do that yes the doctor might say well aren’t our state has passed a law against that roughly states have passed laws against this fee capping but guess what and this is so important there’s two kinds of patients that walk in your door there’s the full coverage dental insurance with no waiting period plan patient and that’s a patient that’s an individual that buys a policy.
That’s a small business Joe’s machine shop buys a policy that’s under the insurance commissioner of your state that’s under state law that’s under prompt payment laws that’s under the fee capping law.
But the problem is Howard is that the insured plan patient is about % of people % of people walking in the door our self-funded plan.
Tooth Polisher How long you have to wait but yeah and then of course you know the cost is gonna vary for everybody depending on where you Tooth Polisher .
go and the insurance you have and all that so don’t take my word with the cost but just know that it is comparable if not a little bit more expensive.
Than getting braces done so if you are in a situation like me where you do have the adult tooth and there just get the braces if I had gotten the braces I would have this fixed so long ago okay like I’m so mad at myself for not getting the braces honestly and especially because like.
The bottom of my teeth they are crooked like you can tell so this would have raised a little bit fixed everything but anyways I didn’t get them so I really hope that you enjoyed this video I hope you learned something I hope that I helped somebody out there feel .
A little bit more confident in yourself and your smile if you are going through a missing tooth situation and I will see you guys in my next video thank you so much for watching [Music] Sydney great lecture so far and the program for to this day is really out of for.
The topic LDP factors in the management of influence in this zone so it looks like it’s really difficult to obtain a nice aesthetically pleasing result but what about patients do they care about the defeating result but this industry’s written .
A really crazy thought aesthetics installation Hodges of patient so we have some research the clinical our treatment research suddenly an logo capacious that exacty and also the quality of whose influence and they concluded that a patient how many patients are concerned about a good aesthetically pleasing result and it looks like
renaissance dental individual who has committed this you no malice where they live you could sue where the incident occurred or you could sue you renaissance dental .
renaissance dental know where the malice occurred so you have this occurred you know anywhere else you could still come back to Los Angeles and use California’s laws in your favor and California is a very personal injury friendly state in comparison to .
The rest of the country so they can absolutely sue heck they’re fine the last thing in because this is a sports star we know that the Clippers aren’t going to fire Blake Griffin uh you know there he’s probably gonna get suspended he may get fined uh if.
Matthias test gets fired over this because those two can’t coexist in the same space is is is that a wrongful termination suit is that part of the pain and suffering suit is that a separate action how would that work absolutely that would be
A complete separate action it would be at wrongful termination it could be a retaliation lawsuit as well I mean we spoke this a few weeks ago about what happened to TS Sigmers and in that situation PJ had quit in this situation you know.
This guy is gonna get fired and it’s going to be very obvious he’s getting fired based on the fact that he decided to take action against the star on the team so you know there would be multiple lawsuits that would come after that for wrongful termination retaliation and .
He would have a you know very very good case in order to prevail based on both okay one last question this incident did not happen in the workplace how does that change the situation if at all in other words there but they’re in the same they work together right a great honor out at a restaurant .
We will Dental Insurance common platform for everybody to you know complete looking at the FORA billion program you into a private medical colleges often debate about document Dental Insurancemedical colleges private medical policies .
What’s your explanation government institutions have a long history they always have good volumes of practice because they eventually as a doctor you need to connect with most patients and see more range of cases.
You know but at the same time the private institutions are very well made they are the infrastructure is really nice they have sometimes very good faculty taken to that four-year program houses the first two years are more of the .
Study oriented and practical that we have we have the dissection we want to study the basics of human body the pathologist and the microbiology all those kind of things and a dental subject is introduced every year unlike .
The third and the final year which is more clinical where we are mostly around our dental subjects we attend clinics we look at patient’s we shadow our teachers and eventually once you are through your final videos exam you do your internship in.
The same department for the year right now you can get for credit option there are several options of gathering after you to your BBL oh yeah could you tell us about we have eight faculty rate fields or subjects of your choice nine in fact now with community dentistry and six of which are more clinical and practice oriented.