MIAMI, FLORIDA Some adults did not have the opportunity to get braces when they were young and want them now, or they did not need braces until they developed a dental problem like a shifted bite or tooth loss. Whatever the circumstance, it is never too late to get the benefits of easier-to-clean teeth, a better bite and a more beautiful smile.
I hear the same objections over and over again from adults who are considering orthodontics, said Dr. Pedro Alquizar, who offers braces for adults and children. Adults who are only in their 30s and 40s assume they're too old to get braces and jump to all kinds of incorrect conclusions about orthodontic treatment.
Alquizar and his partner, Dr. Phillip Kaner, are Pinecrest orthodontists who want to address the five most common objections adults make about treatment.
Too Old
Being too old for braces is the most common assumption, but there is no reason adults cannot get braces. Missing teeth and previous dental work like crowns or implants do not rule out braces either. Millions of adults have already completed orthodontic treatment, according to the American Association of Orthodontists. The AAO estimates that more than a million adults in the U.S. and Canada are currently receiving orthodontic treatment this year. ()
As long as your teeth, gum tissue and bones are healthy, we can straighten your teeth, said Kaner. If you do have underlying dental problems like dental caries or periodontal disease, we can work together with your dental care professional to address those before beginning treatment.
Too Expensive
Orthodontic treatment can actually be quite affordable. Plus, practices can help people work it into their budgets. Many dental insurance providers now offer full or partial coverage for adults who want to get orthodontic treatment. The overall health benefits of straight teeth are that substantial. Alquizar and Kaner's office accepts most major credit cards and insurance plans. They also offer a variety of payment plans and work with patients individually to create a plan that fits with their financial situation.
Too Tacky
Adults may assume that braces will interfere with their work and personal life if they think that braces look the same they did several decades ago. Orthodontic technology has revolutionized the options available to today's patients. The traditional metal braces are still around, but they are much smaller, more comfortable and more discreet. The most popular option for adult patients is invisible braces like Invisalign. Adults prefer them because no one can even tell they are wearing an orthodontic appliance, eliminating the worry of braces affecting work or personal life.
Braces won't interfere with your career or personal life, and they won't prevent you from pursuing musical or athletic hobbies, said Alquizar, who is a Miami Invisalign expert.
Too Painful, Too Long
Braces do not have to be painful, and treatment times are faster than ever. The latest research and design have provided new brackets, wires and appliances that are much more comfortable. Self-ligating brackets do not require elastic ties, which were the primary culprit behind soreness after they were tightened. Self-ligating brackets allow the archwire to apply gentle, continuous pressure on teeth without the friction caused by elastic ties. The wire is able to guide teeth into position faster and with much less discomfort. Invisalign uses a series of clear plastic, removable aligners to gradually straighten teeth instead of brackets and wires. The gradual changes make Invisalign more comfortable. Treatment time depends on the malocclusion or bite and several other factors, but active treatment usually lasts from one to three years.
Too Vain
Many adults equate orthodontics to vanity, but the reality is that straightening teeth can help them stay healthy and prevent tooth loss. Straight teeth make plaque removal easier and eliminate the hard-to-reach hiding places where plaque accumulates. This helps keep teeth and gums healthier for longer. Braces address the aesthetics of a smile, but they also optimize the function of the bite, which can reduce pain in the jaw joints, eliminate tension headaches, fix speech impediments and alleviate sleep apnea.
The AAO lists seven benefits of adult orthodontics: ()
Can help prevent or improve periodontal problems
Can help prevent or reduce further bone loss around teeth
Enhances the ability of the dentist to restore missing teeth
Boosts aesthetics for a better smile and facial appearance
Better function of teeth
Increases self-confidence and self-esteem
Promotes oral health
All the health benefits of correcting bad bites are wonderful, but seeing someone who is finally proud to show off their smile after years of being self-conscious is amazing, said Kaner. We want adults to know that can be a reality for them, no matter what their age.
Showing posts with label Fast. Show all posts
Showing posts with label Fast. Show all posts
Wednesday, July 4, 2012
Monday, June 11, 2012
Interest Rates For Payday Loans Can Add Up Fast
According to the Pew Charitable Trusts' Safe Small-Dollar Loans Research Project, which was done in 2012, the average payday loan in the United States is for 5 at an annual interest rate of 391 percent. This means that if a payday loan was not paid at all for a year, then the amount owed would nearly quadruple.
For example, if you took out an average loan of 5 at the average interest rate of 391 percent and you did not make any payments for one year, you would owe ,466. After two years, you would owe ,733.
In five years, you would owe 2,700. The average new mortgage in the United States in 2012 was 5,000.
In six years, you would owe almost .4 million. Remember, this started out as just a 5 debt.
In 10 years, you would owe over 3 million. If you took up a collection of from every citizen in the United States, you would have just enough to cover your debt.
In 18 years, you would owe .1 trillion. The Unites States national debt in March 2013 was .7 trillion, so you would owe more than the whole United States.
Now, these are extreme cases. Rarely does it take someone more than a year to pay off a payday loan. These loans are designed to be short-term solutions, so the annual percentage rates aren't a truly fair comparison.
In fact, borrowers aren't really not paying the loan, but they are taking out a new loan every two weeks to a month to pay off the previous loan, but it amounts to the same thing.
Hopefully, these extreme numbers will serve as motivation to pay off any payday loan debt before it gets out of hand. You don't want to be forced to go into bankruptcy or worse because your payday loan debt got out of hand.
These numbers also should serve as a warning to anyone considering taking out a payday loan. Is the payday loan truly necessary? Have you explored all your options?
If you have taken out a payday loan, make sure you are doing all you can to pay it off on time. This means exploring how you can bring in extra income or cut back on your expenses so you can save up enough money to pay it off.
For extra income, you might consider going to a temp agency to work some temporary jobs in your spare time. You might even want to get a part-time permanent job so that you can start to pay down your debt or start saving up for emergencies once you have paid off the payday loan so you can avoid another one in the future.
If you can't take on another job, then look at what you spend your money on and look for things you pay for but don't use, such as cell phone minutes or a gym membership. If that's not enough, look for things that aren't really necessary that you can eliminate or go to a cheaper package, such as satellite or cable television.
You'll be glad you made the necessary sacrifices when you have your payday loan paid off.
For example, if you took out an average loan of 5 at the average interest rate of 391 percent and you did not make any payments for one year, you would owe ,466. After two years, you would owe ,733.
In five years, you would owe 2,700. The average new mortgage in the United States in 2012 was 5,000.
In six years, you would owe almost .4 million. Remember, this started out as just a 5 debt.
In 10 years, you would owe over 3 million. If you took up a collection of from every citizen in the United States, you would have just enough to cover your debt.
In 18 years, you would owe .1 trillion. The Unites States national debt in March 2013 was .7 trillion, so you would owe more than the whole United States.
Now, these are extreme cases. Rarely does it take someone more than a year to pay off a payday loan. These loans are designed to be short-term solutions, so the annual percentage rates aren't a truly fair comparison.
In fact, borrowers aren't really not paying the loan, but they are taking out a new loan every two weeks to a month to pay off the previous loan, but it amounts to the same thing.
Hopefully, these extreme numbers will serve as motivation to pay off any payday loan debt before it gets out of hand. You don't want to be forced to go into bankruptcy or worse because your payday loan debt got out of hand.
These numbers also should serve as a warning to anyone considering taking out a payday loan. Is the payday loan truly necessary? Have you explored all your options?
If you have taken out a payday loan, make sure you are doing all you can to pay it off on time. This means exploring how you can bring in extra income or cut back on your expenses so you can save up enough money to pay it off.
For extra income, you might consider going to a temp agency to work some temporary jobs in your spare time. You might even want to get a part-time permanent job so that you can start to pay down your debt or start saving up for emergencies once you have paid off the payday loan so you can avoid another one in the future.
If you can't take on another job, then look at what you spend your money on and look for things you pay for but don't use, such as cell phone minutes or a gym membership. If that's not enough, look for things that aren't really necessary that you can eliminate or go to a cheaper package, such as satellite or cable television.
You'll be glad you made the necessary sacrifices when you have your payday loan paid off.
Monday, May 21, 2012
Getting Unsecured Loans With Bad Credit: Fast Solutions For Financial Emergencies
Financial emergencies are hardly a new phenomenon, but in recent years the number of people that have found themselves facing such emergencies has grown dramatically. The problem is that, with bad credit scores to their names, the chances of being approved for unsecured loans with bad credit do not seem very good.
But the truth is that even those of us with very poor credit ratings have every chance of securing loan funds to help deal with an emergency. The terms may not be ideal, but it is worth accepting compromises when the purpose is to escape a detrimental situation, or to clear an unexpected debt.
However, there is another aspect to such matters that cannot be ignored. Fast loan approval is vital if a financial emergency is to be properly dealt with, but not every lender is willing to grant unsecured loans hassle free. There is always a process, and many are time consuming.
How Unsecured Lending Is Viable
When it comes to considering a loan application, lenders are only concerned with whether they will get their money back (with interest) or not. Secured loans obviously offer a guarantee they'll recover their investment, but what about when they approve applicants seeking unsecured loans with bad credit?
To be honest, this is a situation when the lender is accepting a risk, but the odds are still stacked in their favor. Lenders are careful to calculate the projected risk, and so granting fast loan approval is not always as foolish a move as it might seem.
However, for borrowers, it is necessary to consider some aspects of an unsecured loan carefully before applying for it. For example, the interest rate is higher so the cost of the loan is greater. And the repayment term is usually shorter, thereby placing greater pressure on them to make the payments each month.
Securing Fast Approval
Applying for unsecured loans with bad credit does not have to be the trying experience that many claim it is. It usually comes down to simply having the necessary boxes ticked, and proving an ability to make the repayments comfortably. To get approval very quickly, however, there are some other aspects to consider.
When dealing with financial emergencies getting your hands on the cash as quickly as possible is hugely important. To do so, it is necessary to get a no credit check loan, where the lender does not seek confirmation of your credit status. The advantage is that fast loan approval can be given, since the approval process is streamlined.
Applying for an unsecured loan online is the fastest possible option, with the information processed in a matter of seconds, and the loan funds deposited into a bank account in just a few hours. Of course, providing bank details is necessary to make that possible.
Loan Options To Consider
When seeking unsecured loans with bad credit, there are several loan options to choose from. Online lenders are recognized as experts in bad credit lending, so the loans they offer are the most competitive and the fastest to access.
But what type of loan is the best to secure? Well, payday loans are the most likely to be approved since it is granted against an upcoming paycheck. That means fast loan approval, with access to cash within just a few hours. However, the terms are not good, with interest as high as 30% and loan limits of just ,500.
When it comes to dealing with a financial emergency, this is the best option even if it is expensive. However, larger unsecured loans may require a cosigner or some kind of security. Loans of as much as ,000 are available in that case.
But the truth is that even those of us with very poor credit ratings have every chance of securing loan funds to help deal with an emergency. The terms may not be ideal, but it is worth accepting compromises when the purpose is to escape a detrimental situation, or to clear an unexpected debt.
However, there is another aspect to such matters that cannot be ignored. Fast loan approval is vital if a financial emergency is to be properly dealt with, but not every lender is willing to grant unsecured loans hassle free. There is always a process, and many are time consuming.
How Unsecured Lending Is Viable
When it comes to considering a loan application, lenders are only concerned with whether they will get their money back (with interest) or not. Secured loans obviously offer a guarantee they'll recover their investment, but what about when they approve applicants seeking unsecured loans with bad credit?
To be honest, this is a situation when the lender is accepting a risk, but the odds are still stacked in their favor. Lenders are careful to calculate the projected risk, and so granting fast loan approval is not always as foolish a move as it might seem.
However, for borrowers, it is necessary to consider some aspects of an unsecured loan carefully before applying for it. For example, the interest rate is higher so the cost of the loan is greater. And the repayment term is usually shorter, thereby placing greater pressure on them to make the payments each month.
Securing Fast Approval
Applying for unsecured loans with bad credit does not have to be the trying experience that many claim it is. It usually comes down to simply having the necessary boxes ticked, and proving an ability to make the repayments comfortably. To get approval very quickly, however, there are some other aspects to consider.
When dealing with financial emergencies getting your hands on the cash as quickly as possible is hugely important. To do so, it is necessary to get a no credit check loan, where the lender does not seek confirmation of your credit status. The advantage is that fast loan approval can be given, since the approval process is streamlined.
Applying for an unsecured loan online is the fastest possible option, with the information processed in a matter of seconds, and the loan funds deposited into a bank account in just a few hours. Of course, providing bank details is necessary to make that possible.
Loan Options To Consider
When seeking unsecured loans with bad credit, there are several loan options to choose from. Online lenders are recognized as experts in bad credit lending, so the loans they offer are the most competitive and the fastest to access.
But what type of loan is the best to secure? Well, payday loans are the most likely to be approved since it is granted against an upcoming paycheck. That means fast loan approval, with access to cash within just a few hours. However, the terms are not good, with interest as high as 30% and loan limits of just ,500.
When it comes to dealing with a financial emergency, this is the best option even if it is expensive. However, larger unsecured loans may require a cosigner or some kind of security. Loans of as much as ,000 are available in that case.
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