Is Dental Insurance Worth It?

teeth and dollarsParents spend thousands of dollars on orthodontics to ensure their children have what’s arguably the clearest physical indication of prosperity: a straight, white smile. George Washington was certainly prosperous, but he also endured the agony of poorly fitted wooden dentures for much of his life. And James Brown, the Godfather of Soul, claimed that if a man had his hair and teeth, he had it all.
 
It’s not surprising then that an entire industry is devoted to keeping our teeth healthy, clean, and attractive. Aside from a big boost in self-confidence, the condition of your teeth plays a major role in your overall health. As with many things, many people are willing to pay for those benefits. But is purchasing dental insurance the best way to go about doing it?

Problems With Adult Teeth

Fortunately, many dental problems can be avoided or delayed with proper attention, such as every mother’s admonition to floss. However, even with regular care, some dental problems do naturally arise with age:

1. Dental Decay. Cavities can deteriorate into root canals and crowns when left untreated.
2. Gum Disease. Plaque causes gums to recede, potentially exposing them to disease. Poor dental hygiene can exacerbate the problem.
3. Accidents. Teeth can be broken or cracked as a result of being hit or simply biting down on an olive pit or cherry stone. This can require removal of the injured teeth in favor of bridges or implants. In extreme cases, dentures may be required.
4.Oral Cancer. Smoking not only stains teeth, it increases your risk of cancer. Gum disease can also trigger oral cancer, along with other health problems.
 
In addition to good dental hygiene, regular checkups and cleanings are always necessary – and, unfortunately, these cost money. But beyond the pestering costs of basic maintenance lurk far more significant dental operations which have the potential to devastate your personal finances.
 
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Technology & Society – The Consequences

robot Technology has been both a boon and a curse throughout history, upsetting the apple cart of the established order with new opportunities for some and great losses for others. Consider the impact of the automobile, first on the horse and buggy industries, then on railroads. Television almost destroyed the movie business until the more creative people adapted. eBooks currently threaten longstanding bookstores and traditional publishers. The pace of technological advance has accelerated during the last half-century, challenging cultures, societies, and individuals to adapt to the new environment.
 
The benefits of technological advances are disproportionately enjoyed among the world’s communities, exaggerating the differences between those countries with stable, modern economies and those yet to develop. Even within a single economy, the benefits generally accrue to those who are better educated, more flexible, and less invested in the status quo.
 
In the past, technology primarily leveraged or expanded man’s physical and mental skills. The coming advances have the capability of replacing those skills, eliminating the need for man’s labor or direction. Simply stated, machines are capable of replacing much – if not most – of the jobs in our industrialized societies.
As the transfer occurs, how will cultures, economies, and political systems adapt? Will the future be the long-sought utopia, or the beginning of a cultural apocalypse, the societies depicted in science fiction novels such as “1984,” “The Hunger Games,” or “Soylent Green“?
 
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Lewis Interview with CBAC Funding

microphoneMichael R. Lewis is a man of many accomplishments. He has led a colorful life which has seen him party with rock stars, play Black Jack in Vegas, trade on the floor of the NYSE, travel around the world, and make and lose millions of dollars in business. Each time he has emerged stronger and continued realizing his dreams. Somewhere along the way he began to start channeling his vast knowledge and considerable experience into consulting and writing.
 
We asked him about a host of things, from material success and handling finances to what has influenced him the most, and he responded in a heartfelt and philosophical manner. His openness has made for a delightful read.
 
Budding entrepreneurs or those struggling with balancing their personal life and career ambitions will love this. And so will those who just like to wonder about the nature of success, life, and why people do what they do. In short, there’s something for everybody here, if you have an eye for the things that really matter.
 

Interview with Michael

What excites you the most about the world of business?
 
While I enjoy the business of business, its most intriguing quality and challenge is the requirement to continuously improve, to be a little smarter, work a little harder, and be a little better every day. In the world of business, success and failure are moving targets. A good businessperson has to be smart, flexible, willing to work hard, and a leader; a great businessperson has those same qualities plus the ability to see and articulate a vision that inspires and motivates those around him.
 

 
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6 Tips to Starting a Business in a Foreign Country

start-business1The combination of inexpensive technology, accessible virtual markets, and easy funding through crowdsourcing is changing the face of entrepreneurship. Today’s new business starters are socially sophisticated, willing to bear more risk than previous generations, and more likely to work out of a home or small office and rely on others for business processes. Some are small guerrilla outfits surfing from one hot concept to the next, and some are venture capital-funded geniuses with disruptor ideas.
 
It is a great time to start a new business – the best time in history.

The Keys to Success

America has always been the land of opportunity, the Mecca for entrepreneurship. While great fortunes have been made by immigrants and first-generation Americans such as Andrew Carnegie in steel, John D. Rockefeller in oil, and William A. Clark in copper, thousands of others formed successful small companies that provided financial security and employment for hundreds of thousands of their fellow citizens.
 
The possibility of being responsible for one’s own fate has never been greater in the history of the country. Latent opportunities for new ideas and businesses have exploded exponentially, each new concept and novel interpretation of old methods pregnant with possibility, just waiting to be birthed. There are several key reasons why this is so.

1. Cultural Accommodation

For much of history, capitalism was restricted to the beneficiaries of high birth, ancestral wealth, and exclusive education. The wide-open spaces and untapped resources of the new continent in the 19th century shattered cultural norms that had existed for hundreds of years. Entrepreneurs flooded the country, exploiting new resources, new markets, and new technology to create the greatest industrial nation in the history of the world.
 
Despite the success, access to these new possibilities was unfortunately generally limited to white males. Minorities (except in their limited communities) and women were excluded, restricted by racial prejudice, cultural stereotypes, and inefficient educations.
 
America in the 21st century is a more open society and access continues to broaden regardless of sex or ethnicity – anyone smart enough and brave enough to create a new business can try. According to a 2013 American Express report, there are 8.6 million women-owned businesses in the country, generating more than $1.3 trillion in revenues and providing jobs for 7.8 million employees. The rate of growth between 1997 and 2013 in new women-owned businesses has been one and a half times the national average. In a U.S. Census News release in 2011, Tom Mesenbourg, deputy director of the U.S. Census Bureau, proclaimed, “The growth in the number of minority-owned firms – both employers and non-employers – has far outpaced that of businesses overall.”
 
Led by federal and state governments, programs to assist potential new business owners are readily accessible and generally free. An entrepreneur can access classes ranging from basic accounting, to sophisticated product and service contracting. Face-to-face onsite mentoring is available from organizations such as S.C.O.R.E., while municipalities, colleges and universities, and private businesses offer incubator facilities with administrative and accounting assistance at low cost. Federal laws require that a percentage of federal contracts be subcontracted to small businesses and provide detailed contracting assistance for those individuals and companies who seek such work.
 
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