Too Big to Fail, Too Big to Care, Part 2

If the US Govt. had told them, it was its right not to help.
For Part 1: http://storify.com/dentalwellness/too-big-to-fail-and-too-big-to-care
The interesting thing is that some of these lenders/banks can be so off the wall that they do not think that to whom much is given, much is expected. I remember one of them saying that it was within its right to make derogatory report on one of its customers’ credit file. Remember when it was the banks that needed assistance from the government of the United States, the government was within its right not to help but it did. It gave them the fattest checks to help them overcome their financial difficulties without any condition in the beginning and also went further to protect them in two crucial ways: allowed them to honor their outstanding contracts with others (unless teachers and public workers in Wisconsin that republican governor changed to the detriment of fair play and the workers); and our government insisted that the healthy banks should take the money as well so as to avoid stigmatization of such banks as CitiGroup, JP Morgan, Goldman Sach. The government did not make any bad entries on these bankers’ credit record instead tried to work with them to make them better. You will think that CitiGroup would do the same to its customers, I’d say you are wrong, it’s subsidiary, Citimortgage would not help, it would be too eager to report derogatory entries, it would not write letter to you to explain the problem instead would send you letters so incomprehensible that an English professor would not be able to make a sense of it and when you write for clarification, it would ignore that until you get the big guns like BBB, the U.S. Office of Comptroller of Currency that they suddenly recognize you as a human being like people who work for the company. In the area where government could make a big difference — help for troubled homeowners — almost nothing has been done. Thanks to politicians, Wall Street and their friends at CNBC. The Obama administration’s program of mortgage relief has gone nowhere: of $46 billion allotted to help families stay in their homes, less than $2 billion has actually been spent.

Invisalign – An Invisible Way to Straighten Crooked Teeth!

Cools

Let’s havea straight talk about crooked teeth.  There are many people who would like to straighten their teeth but do not want to wear those braces.  Relax, there is a new way to get straightened teeth through “brace-lift,” it is virtually an invisible way to improve your smile, straighten your teeth so that you can have a face without the braces.  Yes, you have  heard of it, you saw it on television, it is known as Invisalign.  Ask your dental provider for more information.  A little information never kills anyone.

Forget everything you’ve heard about teeth straightening. Because now there’s breakthrough technology that lets you get the smile you always wanted without bands, brackets, or wires.

A clear alternative: By using a series of clear removable aligners, Invisalign straightens your teeth right before your eyes. Change them about every two weeks, and your teeth will move—little by little, week by week—until they have moved to the final position your orthodontist or dentist has prescribed. Comfortable to wear, our aligners are also removable so you can eat, drink, brush, and floss as usual.Less treatment time: A typical Invisalign case takes about a year from start to finish. You’ll see your doctor everymonth or two to see how you’re progressing. Every few visits, you’ll be given additional aligners to continue your treatment. Commonly, the number of aligners worn during treatment is between 18 and 30, but treatment time and the number of aligners will vary from case to case.Invisible. And comfortable: Invisalign is a virtually invisible solution. So you won’t draw undue attention to your mouth while in treatment. In fact, virtually no one will know you’re wearing them unless you tell. Comfortable to wear, our aligners are also removable so you can eat, drink, brush, and floss as usual.

Is Invisalign for me? Invisaligncan be used to treat the vast majority of common problems for adults and teens. Whether your smile needs minor improvements or more extensive adjustments, Invisaligncan certainly help. It’s successful in treating overly crowded or widely spaced teeth. It can also relieve more complex issues, including overbites, underbites and even crossbites. In fact, an Invisalign Certified Orthodontist or Dentist can use Invisalign clear aligners in all or part of just about any treatment plan.Look your best during treatment: Invisalign is clear and practically invisible, so nothing gets in the way of your new smile. No wonder Invisalign is the choice of over half a million people.* Unobtrusive in business meetings or social gatherings * No metal wires or bands to irritate your mouth * Most people won’t notice you’re wearing aligners

Found a local hat maker right here in the South

I thought you might want to check this company out.  It makes reasonably priced hats and it may even throw free shipping with it.  I did.   You can have your logo embroidered on the caps for free.  If you have been wanting to do some promotions for your business and you are on low budget like me, I encourage you to check this company up.  I like their layouts, ease of uploading and placing order.  Cool!

The Queensboro CompanyBanner

Dental Examiner – Read All About It!

Starting in March 2008, we will begin a new segment that will deal with myths, old tales and stories about dentistry and dental care.  For example, it is believed in some quarters that a woman would lose at least one tooth on pregnancy.  This is certainly not true!!!!!!!!!!!!

You can also send in your own stories, myths, old tales, etc and all refined stories, tales, etc shall be published. Let’s have some fun!!!!!!!!!!!!!!!!

House Rich & Cash Poor – Paying off Mortgage Fast?

The conventional wisdom is that one is encouraged to pay off his mortgage ASAP.  How does that do for your tax deductions?  The annual tax benefit steadily ebbs away as no tax deductions are available on interest (no interest without loan/mortgage) since the house is paid for in full.  It is very difficult for an average person to grow his arbitrage effectively if he cannot take advantage of the tax deductions on interests paid on mortgages, take the equity on the home out and invest it in tax-favored growths, etc.  This approach of paying off mortgage in order to become mortgage-free is known in some quarters as cost of forfeiting future equity earnings (COFFEE).  Break the mold, start a new approach to wealth-building and there are many books in the market today that can help you, understand the smart way of growing wealth with what you have right now, your home.  Untapped Riches by Susan and Anthony Cutaia (http://www.amacombooks.org) and another very good good is written by Marian Snow called Stop Sitting on Your Assets.  One can get free tickets to her HERO Solution Workshop by either going to her website, http://www.StopSittingOnYourAssets.com or calling toll-free 1866-404-HERO (4376).  Better still you can google making money or growing wealth through home equity or a combination of this and you will see for yourself tons of information. Be disciplined, start growing your wealth with what you already have, it is that simple!

Good luck and may the universe reward you because you have a millionaire mind!

Use Your Home Equity to Grow Your Assets

A lot of people have been conditioned to paying off their mortgages as quickly as possible, leaving them with little or no tax deductions on interest paid on their mortgages.  Forget about the conventional wisdom, step into the new century, grow your assets with your own equity, be your own “bank.”  Ask any experienced financial planner who understands the HERO solution or other smart wealth-building programs.  Your home is probably your largest investment, take advantage of its equity, get it out, let your dollars work for you and invest it in programs such as cash-value insurance contracts and just grow your assets.  Every three-five years re-evaluate your home’s worth, collect the equity and invest it religiously.  Tax-deferred or tax-avoidance investments, tax-favored growth and tax-free money/investments are available, just ask  your experienced financial planner.  Be disciplined, grow your assets with what you have right now.  You need a vehicle that locks in stock market gains in good years when the market is doing great and avoids losses in not so good years like now.