How to Save Money as a Dentist

If you run a dental practice, you will no doubt know that it can both a lucrative and rewarding business. However, although there are plenty of benefits, you need to make sure you keep a close eye on the running costs to keep it operating as it should while still remaining competitive. The good news is that there are a few ways in which you can cut back on the costs or make changes that will save you money in the future. Here are just some of them:

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Check Your Supplies

It may be possible that you are buying more supplies than you need. Before you order from your usual supplier, ask yourself a few questions first. For example, is the amount you usually order adequate or overkill? Do you have any inventory stored away that you have overlooked? Additionally, find out whether the supplier offers freebies on bulk orders.

As well as current supplies, you need to make sure you are investing in the right equipment to help prepare you for Covid-19 related regulations. If you want to make sure your usual clients return to you, you will need to reassure them that your practice is a safe place to be. Sneeze guards are, therefore, a wise idea to have installed, which can prevent the spread of germs and show that you are committed to protecting both staff and patients.

Take Out the Proper Insurance

Making sure that you have the right insurance that is relevant to your industry is a measure that will help you save money in the long run. This includes business, health, and even disability insurance. Disability insurance will cover you if you were to fall ill for a certain amount of time and were unable to run the practice. When taking out insurance, make sure to shop around, as the rates can vary widely.

Go Digital

If you still use paper forms, paper records, and paper receipts, it’s time to rethink how you do things. Going digital by utilizing online forms linked with QR codes in the waiting room, emailing receipts instead of printing them, and collating patient data on a dedicated dental office management software will help reduce the cost of more than just paper; you will be saving money on all related stationery, including ink, staples, and waste services. However, you need to make sure you also invest in good data security to reduce the risk of cyberattacks.

One final tip would be to make sure that you are cutting costs in the right areas. For example, opting for an automated phone service instead of a friendly face at the reception desk can harm your business and lose you money, which is the opposite of what you want to achieve. Although you are running a business, you should never forget the human element.

Saving money while running a dental practice isn’t difficult, and you will start to see the benefits soon after you begin making changes.

Things to Save For

Most adults are commonly concerned about their expenses and budgets. Money is a big topic in most marriages and households. Why is this the case? For starters, you and your family need money to survive, so it is a major responsibility to take on. If you have children, they rely on you for their existence and everyday living. Again, this is a major task. It is a responsible thing to do to be proactive and save your money as much as possible. Save money for known and upcoming expenses as well as the possibility of unforeseen sudden expenses that may be thrown at you and your family. Below is a list of things you should save for.

Unexpected Expenses

Life can throw curveballs, so you need to save for these sorts of events. Things can happen with your home that you may not expect. Repairs such as a leaking roof, sewer problems, plumbing issues, air conditioning or heating repairs, gas leaks, appliance replacement are all examples of things that could come up unexpectedly but are also inevitable for all homeowners. Same thing goes for car owners, cars come with financial baggage. You could come upon repairs that can cost a pretty penny. If you get in an accident than you will need to remedy the situation. These are two large areas of concern but things like legal fees, parking tickets and driving violations, health expenses and emergency room visits are all things that could come your way that could cost a lot and should be planned for. A 24 Cash loan could help you get by until more revenue comes in.

Savings

Every family saves for the unexpected as well as the expected. Every adult needs to save for their retirement. This can be done many ways through various financial instruments like 401k, brokerage accounts and general savings accounts. If you have a job with a business, you most likely are given the option to contribute to your 401k directly out of your paycheck which makes it easier. Besides retirement, you need to think about education expenses for either yourself or your children. If you would like to continue education that can be costly so would require savings. If you have children, they will most like go to college or maybe even an accredited high school that would need to be saved for. Besides these two responsible savings topics, you may also want to save for family fun. Things like vacations or events could be saved for so you can enjoy them.

Bottom line is that you need to think about money and make sure you have your bases covered in the event these things come your way.

Five of the best online experiences to try this summer

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It’s officially summer 2020, at least in the northern hemisphere. And with it being summer, it’s also traditionally the time when we start thinking about taking our annual vacation trips, planning all those far-flung destinations we could visit, and the brand new things we could see and experience. 

It’s true that travel broadens the mind, but as we become more and more aware of the environmental harm inflicted by our ever-increasing carbon footprint, taking those long-haul flights to a destination on the other side of the world becomes a lot harder to justify. Choosing to vacation in your own country or city is a sustainable choice, and thanks to some digital wizardry you can make it even better. Right now there are all sorts of virtual experiences you can enjoy online, from taking a tour of a famous museum to even walking the corridors of The White House. 

So, if you’re choosing to spend your vacation time in a destination closer to home this summer, or if you’re just looking for something exciting to do while you’re bored at home, here are five of the best online experiences you can enjoy: 

Vist the world’s most haunted house

Built by the mysterious Sarah Winchester, the Winchester Mansion has a notorious reputation for being one of the world’s most haunted places. Luckily, taking a virtual tour here means you won’t run the risk of bumping into any ghosts or ghouls. After all, spirits can’t possess a laptop. Or can they? 

If you’re brave enough to find out, the virtual tour will take you through this impressive mansion’s 200 rooms. See how many of the 10,000 windows you can spot along the way, as well as those quirky spy holes and trap doors. 

Compete in a gaming tournament

As all Millennials know, gaming is a big deal. We live in an era where professional computer gaming is a thing, and millions of players from all across the globe come together virtually to compete for world titles and eye-watering cash prizes. There are even some players out there who are on a par with elite athletes and sports players when it comes to the lifestyles that they are able to lead, but you don’t have to be a pro gamer to get involved with a gaming tournament.

Not long ago, Facebook launched Facebook Gaming for amateur eSports players who want to connect with other international players in games like FIFA and Call of Duty: Warzone. For “hardcore” gamers who are hoping to break into the world of pro gaming, there’s also the Battlefy Amateur Esports League (AEL), which hosts regular tournaments for games like PUBG and Call of Duty. 

If eSports tournaments aren’t your bag, then maybe a virtual poker tournament will be more up your street. Platforms like PokerStars offer play money tournaments in a range of different formats that are ideal for beginners, while sit & go’s and fast-fold competitions are available for more experienced players

Find your Zen in Hiroshima

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You can check out of your daily life anytime you like and immerse yourself in the blissful surroundings of the historic Shukkeien Garden in Hiroshima. This four hundred year old cherry blossom garden is always a favorite with tourists, and now you can wander this intricately and exquisitely designed masterpiece without having to leave the house. Meander down the winding paths, stop for a moment on the famous Koko-kyo Bridge, and take some time to meditate next to the gently bubbling koi ponds and picturesque bonsai trees. You can even visit the Seifukan Tea House and enjoy its spectacular floor to ceiling views. 

Get lost in the Paris Catacombs

Paris’ infamous catacombs have been the inspiration for plenty of horror fiction and movies over the decades, and it doesn’t take a huge stretch of the imagination to see why. And see why is exactly what you can do with its brand new virtual tour. It’s not for the faint-hearted, much like an in-person trip wouldn’t be, but with the magic of the Internet, you can explore these atmospheric subterranean tunnels at your own pace. Dating back to the 18th century, the catacombs are reportedly the final resting place of over 6 million Parisians… Bone chilling! 

Check out some world famous art Right now, some of the world’s most iconic museums have opened the virtual doors to their exclusive collections. Take your pick from the Smithsonian National Museum of Natural History, the museum of Vatican City, New York’s Museum of Modern Art, the Guggenheim, Musée d’Orsay, and even the Louvre. 

Benefits of Getting a Life Insurance Policy

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If you are a primary breadwinner of your family, then your focus would obviously be on safeguarding your family’s future. Investing in a life insurance policy will secure the finances of your family even while you are not around. Choosing a policy smartly will ensure financial cover not just for you but also for your loved ones. 

  • Loans over policies are exempted from tax payments
  • Are flexible in terms of adjustment of policyholders need
  • Cash values grow tax-free during the insured lifetime
  • Some policies have a cash value that accrues over time and can be utilized for paying premiums later
  • Low monthly premiums to be paid over a policy
  • These policies offer major tax benefits in comparison to any other investment options
  • Ensures fund flow while dealing with adverse financial situations
  • It can be bundled with other kinds of insurance covers such as disability ones  

Different kinds of life insurance policies

Life insurance can be categorized into three main types.

  • Term Insurance

This plan offers life cover for offering protection to loved ones at the most affordable rates possible. This is one of the simplest policies available. It promises financial security to your loved ones in your absence.    

  • ULIP

Unit linked insurance plans combine financial investment with life insurance. These offer a wide range of portfolio strategies and fund options. It also permits you to withdraw the money on a periodic basis from your policy.

  • Endowment Plan

These are traditional savings plans and are not linked to any stock market. Hence, these carry a lower risk. These plans offer bonuses such as terminal bonuses and a reversionary bonus.

  • Savings Plan

These plans combine investment with a life insurance cover. You can also create a corpus for meeting the financial goals of your life at different stages. Most of the savings plans offer a fixed amount as maturity once the policy terminates. Moreover, there are specific plans that help you devise a regular stream of income throughout the duration of the policy. 

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Advantages of choosing a Life Insurance cover

Life insurance covers the financial gaps that exist in the lives of individuals. It can take care of your financial needs at various stages of life. You just need to choose a plan as per your requirements to start reaping the benefits offered by a cover. Click to understand how these plans work.  There are numerous benefits of investing in a life insurance cover.

  • Financial security

Insuring yourself offers complete peace of mind to an individual. This cover proffers financial security to the loved ones of the policy owner even after their death. An adequate cover can ensure that your loved ones would be taken care of in case of your death. You can keep policies for up to the age of 120 as long as you are paying the premiums. You don’t lose the coverage under the permanent life insurance term. 

  • Wealth creation

Some insurance plans provide an opportunity for generating wealth. These policies invest your premium into different classes of investment for delivering superior returns. You are promised tax-deferred growth by investing in life insurance. This implies that you don’t have to pay any tax on capital gains, dividends, and interest on the cash value component of your policy until you withdraw the proceeds.     

  • Significant tax savings

These smart plans promise dual tax benefits. The premiums offer tax deductions based on the prevalent laws. Follow this link to learn why entrepreneurs need to invest in a life insurance policy: https://bit.ly/386biLV. Instead of neglecting an insurance plan, individuals can benefit tremendously by not just creating wealth but also in the form of tax savings.

  • Borrowings against the cash value

If you are looking for money to pay for college or to buy a home, you can choose to borrow against the cash value of a permanent life insurance policy. Also, if you put money in a retirement plan, you can take it out for other purposes other than retirement. However, you may have to pay penalties depending upon the policy terms. Some retirement plans are not flexible and do not allow you to take money out. 

  • Accelerated benefits if you fall ill

You will be offered anywhere between 25-100 percent of the benefit of your cover if you develop any conditions such as cancer, stroke, heart attack, or renal failure. The terms are again dependent on the kind of policy that you choose. These benefits will help you pay your medical bills and enjoy a better quality of life.

The only drawback of claiming money for your treatment is that your beneficiaries would not be able to receive sufficient coverage after your death. 

  • Cheap enough to fit into any budget

Based on the coverage you choose, you may be paying a nominal amount per month as a premium towards your policy. If you don’t have any dependents, then you would not have to save a lot of money for your beneficiaries. You can invest in a cheap life insurance plan to secure your family’s future. Doing so also translates into lower premiums.

A term life insurance would cover most of your expenses such as business partnership, expenses of children, and mortgage payments. If you invest in a policy early enough, then you can save a lot of money than you would do by buying this coverage later in life. In short, you simply pay for whatever the need of your family is. 

In summary

A life insurance policy can be immensely beneficial if you know when to invest and what kind of policy you need to invest in. You can go through the different options available to decide which one would be the best fit for your requirements. Various tools are offered by several policy providers so that individuals can make an investment based on what they are looking for. 

Shoebacca Response to Covid Health Crises for Medical Professionals

THE HEALTH CRISIS AROUND THE WORLD AFFECTS US ALL ENTIRELY. AS THE MEDICAL COMMUNITY DEVOTES THEMSELVES TO THE CRISIS, WE WANTED TO HELP IN ANY WAY THAT WE CAN.

Doctors and nurses continue to be selfless, sleeping in hospitals to protect their families while working diligently to help the sick community.

WITH SO MUCH TIME SPENT ON THEIR FEET, WE WANT TO HELP THEM START THEIR DAYS OFF WITH A FRESH PAIR OF SOCKS.

Shoebacca is contributing by sending brand new socks to the hardworking doctors and nurses both locally and across the country.

Beginning on 3/27, with every pair of shoes purchased on Shoebacca.com, a pair of Asics performance socks will be donated under the customer’s name. In turn, Shoebacca will double the donation by matching it with a second pair of socks!

Sock donations will be sent to hospitals every week, and Shoebacca will update their page to show where each donation has been sent. Tag a nurse, doctor, or other healthcare professional on Instagram or Facebook with #shoebaccagivesback so they can send some fresh socks their way!

Click here for updates on your donation: https://www.shoebacca.com/socks-for-first-responders

5 Eco-Friendly Camping Tips For A Greener Trip

Camping in the great outdoors is one of life’s great joys. However, if campers aren’t conscientious and considerate about how they use the space available to them, camping can be terrible for the environment. Here are five ways of making your camping trip much greener.

Come Prepared For Litter

No matter how conscientious you are, and any camping trip is going to generate a certain amount of litter. If you are looking to reduce your impact on the local environment, ensuring that you are prepared to take all your rubbish home with you is essential. In fact, if at all possible, you should separate out your recyclable materials from the rest of your rubbish, so you can recycle them at the earliest opportunity.

Bring Your Own Water Filters

Instead of buying single-use disposable plastic bottles of water, it is much better to bring your own filters with you so you can utilize local water sources without having to worry about contaminants. Drinking water that you collect from the wild might not sound very appealing, but with a proper filtration system on your side, you can remove any harmful contaminants from the water.

Without camping water treatments, you are left with no option but to buy water off-the-shelf, or refill a reusable bottle. Neither option is ideal from a health or environmental perspective. Using a water filter will keep you safe and reduce your environmental footprint.

Think About Your Travel Arrangements

If you are serious about minimizing your environmental impact when going on a camping trip, you can begin before you have even set off. The method of transport that you choose to get you to your destination will affect your final footprint. If you are going to be camping as part of a larger group, try to organize some form of shared transport. It might not be possible to load up all your campers and their gear into a single car, but you can always turn to public transport if necessary or rent a vehicle.

Avoid Disposable Items

We all need to be moving away from disposable and single-use products wherever possible. Single-use products are terrible for the environment, they are contributing to an ongoing build-up of materials that are not biodegradable and which are causing serious problems for our planet. Wherever there are reusable and sustainable alternatives to disposable products, you should always lean towards the more sustainable option.

Look For Non-Toxic Sunscreen

This is something that people regularly overlook when they are looking for ways of reducing the carbon footprint of their camping trip. In terms of damage to the environment, you might not think that the sunscreen you choose to put on your skin would make much difference, but any chemicals that you are spraying around the area where you are camping can ultimately make their way into the local ecosystem.

There are now plenty of non-toxic and organic alternatives to common artificial products. You can find plenty of sunscreens that are made from all-natural ingredients and eschew anything harmful or artificial.

Got any more great tips?

Top Kitchen Gadgets and Small Appliances worth Purchasing

The kitchen is easily one of the most used rooms in the entire house. It is where people prepare food, cook, and eat together as well as socialize, and catch up on their day. Kids may do their homework around the table and it’s perfect for entertaining. With that said, it’s a room where splurges on gadgets and small appliances can be well worth it.

If you’re looking to boost the functionality of your kitchen and just create a more inviting and productive space, these items are a must-buy.

Espresso Machine

Coffee is a big part of many peoples’ days, especially in the morning when it can give you that jolt you need to wake up and start your day afresh. But what about being able to create your own coffee bar at home where you can enjoy fresh-brewed espresso on-demand? That’s exactly what an espresso machine can offer. Choose from simple and cost-effective models, or go ahead and splurge and get one with all the bells and whistles.

Under-Sink Water Filtration System

Another gadget well worth the investment, especially for families, is an under-sink water filtration system. With this type of system, you’ll be able to drink water straight from the faucet and know it’s pure and free of any contaminants.

You won’t need to worry about buying plastic water bottles, which as many know are horrible for the environment. There is no such thing as running out of clean, fresh water and everyone in the family can make use of it. You can fill up your environmentally-friendly re-fillable water bottles straight from the faucet. Of course, as the Discount Filter Store stresses to its clients, the key with these systems is to ensure you’re changing the filter on the recommended schedule. This will ensure it’s doing its job effectively.

Wine Fridge

For those who enjoy wine, there is no better way to store it and preserve its integrity than with a wine fridge. Look for one that allows for different temperature zones so that you can store red, white, and rose at its specified optimal temperature. With today’s models, you’ll find everything from small counter-top wine fridges to larger ones that you can install under the counter or another place in the kitchen.

Counter-Top Oven

If you find yourself preparing small meals meant for one or two people, and really hate to turn on the big oven each time you want to cook then it could be worth it to invest in a small counter-top toaster oven. Today, you can even find counter-top convection ovens that offer all the same functionality of a full-sized oven. They use less energy, cook quickly, and are perfect for those times when you aren’t preparing huge meals. Even baking can be done in some of the models.

Deck-Out Your Kitchen

No matter which of these gadgets/appliances you pick up, you’ll be able to amp up the functionality and style of your kitchen. The only question left is how can you pick just one of these items on the list?