The Benefits Of Cosmetic Dentistry | Dentistry

In today’s quest for beauty and eternal youth cosmetic dentistry is emerging into the forefront. Many patients are choosing to utilize the many different procedures of cosmetic dentistry to improve the look of their smile. While cosmetic dentistry does take into account the treatment of dental problems and even the prevention of dental problems the main focus is on improving the appearance of a patient’s smile. While cosmetic dentistry is not a modern day Fountain of Youth there are significant benefits to using cosmetic surgery. A wise consumer will consider the issue from all sides. While it would be imprudent to state there are no drawbacks to cosmetic dentistry as of today most patients report being happy with the outcome of their procedures. The field of cosmetic dentistry has many benefits. Here are just a few-1. Obviously the biggest benefit to cosmetic dentistry is that it produces results. Patients who just a few years ago may have had to be satisfied with chipped, cracked or broken teeth can now have that fixed. Teeth that have been deeply discolored can be whitened. In fact most types of dental defects can be corrected with cosmetic dentistry. Cosmetic dentistry can even reduce signs of aging and leave the patient with a more vibrant and youthful appearance. It can also repair dental damage caused by trauma, illness, infection, developmental abnormalities, or heredity.2. Since cosmetic surgery is so successful it can leave the patient not only with a more attractive physical appearance but an improved psychological outlook as well. Many patients report battling years of low self-esteem that is reversed when these types of dental problems are corrected or covered up. They report being more comfortable not only with themselves but with others they have relationships with.3. With the exception of patients who live in extreme rural or remote areas cosmetic dentistry is fairly accessible. Unlike other specialties of cosmetic surgery, cosmetic dentistry has become fairly widespread even in smaller urban areas. While many dentists choose to specialize in cosmetic dentistry most of the procedures of cosmetic dentistry are not beyond the scope of general dentists. This leaves the possibility of utilizing cosmetic dentistry much more open to a wider segment of the population.4. While it would be dishonest to say cosmetic dentistry is cheap the price of many procedures used in cosmetic dentistry is coming down. This enables many more patients to be able to benefit from cosmetic dentistry. In addition many dental insurances are choosing to cover cosmetic dentistry procedures when done to help with structural reasons. Patients considering cosmetic dentistry should check with their insurance company to see if procedures are covered.5. Cosmetic dentistry has long lasting effects. Unlike many other cosmetic procedures many cosmetic dental procedures can last as long as upwards of 10 years. This is a huge benefit to patients as it limits the amount of money and time that must be committed to maintaining whatever procedure that has been done.6. The recovery time from cosmetic dentistry is fairly short. Many other cosmetic procedures require a lengthy recovery time and involve a great amount of pain. Most patients using cosmetic dentistry report not only a short recovery time but very little pain in the recovery. In addition the success rate for these procedures is quite high with some studies showing success rates on cosmetic dental procedures up into the 90th percentile.As with any other medical decision patients should weigh both the pros and cons and then make the decision that is right for them. But the bottom line is dental technology has provided a fast, efficient and relatively cost efficient way to improve our smiles by the use of cosmetic dentistry.

How to Invest and Why You Need a Plan | investing

What makes rich people rich? Looking at the spending pattern of various income groups in the U.S. makes it clear: Savings. The real difference between the rich and the poor is that the rich spend a larger share of their income on savings (pensions and insurance) and education.Source: WSJ, Labour Department,When building wealth, preserving wealth, and passing it to the next generation is the formula for financial success it is surprising that less than 20% of Americans do have a written plan when it comes to investing and even retirement [1].The paradox in human behavior is that we are perfectly rational and capable of planning for a major event in our lives, but this is usually forgotten when it comes to investing. In fact, you will find that only a third of investors have a written plan guiding their investment strategy and retirement plans.Why is a plan needed?
The investment world is a harsh jungle, a world of murky waters where the smartest and the most organized survive and become successful while the rest are gobbled up. A written plan short circuits our normal response to something as emotional as money. It prevents us from resorting to our gut feelings and emotions. Instead of following the herd mentality that may prompt you to make unwise investment decisions, a plan will force you to stick to a rational strategy that is underpinned by fundamental investment principles. Some of the difficult emotions that you will have to overcome while investing include:
1) The fear of failure
2) The tendency to continue with a certain approach just because you started it
3) Personal matters such as relationship issues at homeIt is also important to point out the main reasons why investors fall prey to the market and lose their precious funds:
1) Omitted facts and figures mislead investors into investing in a structurally unsound company or financial instrument
2) Overconfidence makes some investors think that they are invincible and that they can always beat the market.
3) Everyone wants to be seen as a champion, the successful general capable of leading an army to victory. This can make you make investment decisions that are not based on rational thinking but rather the desire to impress your friends, co-workers or family membersBy having an investment plan written down and actually following what it says, you will have dramatically increased your chances of winning and increasing the size of your nest egg or investment portfolio. The following are simple steps in creating a plan and avoiding the herd mentality and instinctual impulses that turn us into fools when investing:1. Set up specific and realistic goals
For example, instead of saying you want to have enough money to retire comfortably, think about how much money you’ll need. Your specific goal may be to save $500,000 by the time you’re 65.2. Calculate how much you need to save each month
If you need to save $500,000 by the time you’re 65, how much will you need to save each month? Decide if that’s a realistic amount for you to set aside each month. If not, you may need to adjust your goals.3. Choose your investment strategy
If you’re saving for long-term goals, you might choose more aggressive, higher-risk investments. If your goals are short term, you might choose lower-risk, conservative investments. Or you might want to take a more balanced approach.4. Develop an investment policy statement
Create an investment policy statement to guide your investment decisions. If you have an adviser, your investment policy statement will outline the rules you want your adviser to follow for your portfolio. Your investment policy statement should:Specify your investment goals and objectives,Describe the strategies that will help you meet your objectives,Describe your return expectations and time horizon,Include detailed information about how much risk you’re willing to take,Include guidelines on the types of investments that make up your portfolio, and how accessible your money needs to be, andSpecify how your portfolio will be monitored, and when or why it should be rebalanced.A smart investor with a written down plan and strategy has already won half the battle without making a single financial decision. By implementing the plan and adhering to laid down rules of operation, the smart investor will avoid the pitfalls caused by human emotion and behavior and end up winning big.