Cosmetic Dentistry – For a Beautiful You | Dentistry

The wonderful science of cosmetic dentistry enables an individual to have much better teeth, gums and gives him or her the confidence to face the world without feeling awkward as they used to when their teeth were chipped, crooked or had gaps in between. Many people due to faulty food and oral hygiene habits develop discoloration of their teeth which becomes pretty embarrassing for them.Since regular cleaning and other superficial procedures would not be enough to set these things right, they have no choice but to opt for techniques like cosmetic dentistry. They are sure that through this process they would be able to have wonderful teeth and gums for a life time and not have any problems intermittently.However cosmetic dentistry cannot solve all problems and especially those caused due to faulty oral hygiene standards. Unless you brush your teeth regularly and take adequate vitamins and other supplements to ensure that your teeth are healthy, merely going for cosmetic dentistry will not solve the problem.There are many benefits of cosmetic dentistry that has made it the preferred mode of getting treatment over conventional dental treatment. Moreover the normal dental treatment does not have the necessary equipment, chemicals and the other stuff that professional cosmetic dentists use for such treatments.Cosmetic dentistry is a fast acting process and you can get visible results within a couple of visits to the dentist. The dentist is able to give you the kind of look you want by making use of specialized chemicals and materials. The aftercare required after cosmetic dentistry is also not very intense and you can lead a very normal life eating and drinking anything you please. You do however have to take care that you do not take food or drinks that have a tendency to discolor teeth and habits like smoking, drug abuse are all anyway things that you should be avoiding to remain healthy.The dentist can set right your crooked teeth or chipped teeth by placing veneers on them and packing them up wonderfully. Since he would be using tooth colored materials for the work, no one would be able to make out that you have indeed got your teeth corrected in this manner. This is the most important aspect of cosmetic dentistry as it is perfectly safe and at the same time accords privacy so that others need not know about what treatment you have undergone.People who do not want to put braces can opt for this branch of dentistry and they would be able to get the required correction in their teeth without much pain and the process is also much faster.

Financial Reform Laws and Its Unintended Consequences – OUCH! | laws and issues

We now have the War and Peace version of the Dodd Frank law in affect. But how is this going to affect real estate business? Is it going to stimulate the real estate industry? Stabilize home values? What about making it easier and inexpensive for consumers when obtaining a California real estate loan or a loan in any state?All answers in my opinion are no. Something had to be done but was the result wasn’t researched or thought out very well.When politicians make decisions and reform to something that they know very little about, isn’t a good idea. Creating sweeping reform using one’s own personal morals isn’t good for business either.For example, limiting a lender contact and not allowing the selection of a specific appraiser (unless the appraiser works as an employee of the lender) is morally a good idea.The result? Appraisal fees have gone up by 25%-50%. Who foots that bill? We do.As a result, many experienced appraisers have left the business and many times appraisers are coming from long distances to appraise a home and know nothing about the local area. This doesn’t bode well for home values.The appraisal issue isn’t a part of the Dodd Frank financial reform. However it’s just an example on how its unintended consequence can affect our wallets.Another moral choice was made in that it’s not right to mark up an interest rate on a California real estate loan which means the lender and loan originator can make more money on a transaction.Sounds fair right? Think again. That mark up on the interest rate frees up a pool of funds that could have gone to the lender as income OR the borrower and could have been used to pay for borrowers closing costs and fees. This is beneficial for first time home buyers who are short on cash and borrowers who don’t want to pay fees on their refinance loan. As a result of the new legislation, neither of these options will be available.On the surface the moral compass is right but there’s wasn’t enough research as to how this change was going to affect all consumers.The credit card part of the reform further illustrates. Credit card issuers no longer can charge predatory fees and rates. But really how many people were paying these rates? Less than 15% of the nation and we all now have to pay in one way or another.Again the moral compass is good. Banks now lacking that income are cutting rebate programs and free checking accounts are no longer going to be free, and preferred interest rates on cards are going up.How is this good for the majority of America?The biggest surprise of the financial reform is that the largest bailouts in American history was given to mortgage giants Fannie Mae and Freddie Mac and they were completely left out of the financial reform act. WOW.2011 will be one of historic proportions since all this new legislation becomes part of our daily lives.Are there more unintended consequences are in store? One thing is for certain it won’t make it any easier or cheaper for the person trying to obtain a California real estate loan or in general, on the middle class American consumer.


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