Keeping buyer’s remorse at bay

Feeling anxious and jittery over an item that you’ve just bought? Those could be tell-tale signs of a buyer’s remorse. Although the consequences of a bad buy could be trivial for some small tickets, they could be financially disastrous if a big purchase is involved. So, if you feel any hint of doubt in booking that expensive cruise or buying that house, the best way to do is to back off and consider your options all over again.

When buying cars

Cars could be the biggest ticket you could buy during your early to mid-20s. Unfortunately, your interest in buying your first car coincides with the time when you have to start paying for your student debt, or learn more about your career, or move out of your parents’ house. During this time of changes and adjustments, can your finances handle the pressure? If not, delaying your purchase could be your best bet.

But what could be more remorseful than buying a car that you think is both powerful and eco-friendly? The disappointment and anxiety buyers must have felt when they paid a premium for a Volkswagen diesel car that promises pull without harming the environment. Unfortunately, the U.S. Environment Protection Agency found that the German car maker intentionally installed software designed to cheat emissions tests.

When buying a house

Your house could be your biggest investment ever, and so buying one leaves no room for any doubt. Look around the community. Do you feel that the neighborhood fits your lifestyle? How about its distance from your work, the school, the nearest hospital? What if you plan to add square footage? Knowing all of this beforehand can help you keep buyer’s remorse at bay.
When purchasing a contract

Signing up for the gym or purchasing a T.V. satellite subscription is never a minor thing. By purchasing them carelessly, you get to be reminded of how bad the item is whenever your monthly bill shows. So, when purchasing anything with a lock-in period, know the best product most appropriate for you.

Read More

Social Security Disability Benefits

Workers who get injured while performing their job can always avail of the financial shelter provided by the Workers’ Compensation Insurance program, which was approved in 1908 and designed to immediately provide financial benefits (without the need for litigation). This Workers’ Comp was meant to cover lost wages, medical treatment, rehabilitation and death. The case is not the same, however, for workers who sustain injuries or illnesses that are not work-related, even if such injury or illness caused total disability.

It was not until 1956, when the Social Security Act of 1935 enforced the Social Security Disability Insurance (SSDI or SSD), a program designed to provide financial benefits to those whose injury or illness rendered them totally disabled; another program (for the same purpose, but with different requirements) was the Supplemental Security Income or SSI.

SSDI was specifically intended for insured Social Security members. This means individuals who have worked long enough or recently enough and have paid the monthly SS taxes (identified as FICA or Federal Insurance Contributions Act in one’s pay slip). To be a qualified recipient under the SSDI program, though, an individual:

  • Should have acquired the needed amount of credits (he/she can earn 4 credits in a year)
  • Is below 65 years old (insured members aged 65 or above will be awarded the SS Retirement benefit instead)
  • The disability is included in the list of serious health conditions made by Social Security, or is serious enough to render the insured member unable to perform the work that he/she was assigned to perform before the disability occurred

The disability is expected to go on for, at least, a year or it could lead to death

Despite qualifying in the SSDI program, an insured worker can also be found to be qualified in SSI. This case, wherein an SS member would receive both SSI and SSDI benefits, is called “concurrent benefits.” This happens when the SSDI payment awarded to the member is small. To raise the amount of payment up to the maximum amount allowed by the SSDI, the SSI benefit will serve as an addition.

For totally disabled workers, qualifying for the SSDI benefits (or SSI) is a major concern. Many, however, have already been denied their application and appeals due to their own mistakes. To keep an applicant from committing mistakes, as well as for better chances of getting one’s application approved, hiring an SS disability insurance lawyer would the first wisest thing to make as he/she will help make sure the everything is accomplished correctly and submitted on time.

Read More

Neuromuscular Dentistry

Neuromuscular dentistry is a dental treatment generally meant to correct jaw misalignment. Jaw misalignment is a very common occurrence in North America, and could lead to temporomandibular joint disorder (TMJ or TMD). This physical condition affects the alignment of the teeth, facial muscles, joints, and jaw. Many people are unaware that they are suffering from TMD or TMJ, and often the pain or symptoms that the patients feel go undiagnosed.

In order to treat or correct jaw misalignment, neuromuscular dentistry helps realign the jaw joint through cosmetic dental restorations, orthodontics (tooth recontouring or equilibration) which helps relieve the stress placed on the jaw muscles. This helps eliminate the symptoms of TMD or TMJ. The theory of neuromuscular dentistry lies on the emphasis of gravity in determining the bite, and see where the muscles along the jaws are most relaxed. Neuromuscular dentistry is not only concerned with the health and condition of the teeth and gums, but also the entirety of everything that concerns the functions of the mouth.

Aside from X-rays and electromyography, other diagnostic technologies are used to help determine the optimal jaw position of a patient. Among them are sonography, joint vibration analysis, and other computerized equipment that would record the patient’s jaw and check any abnormalities. Once any abnormalities or if patients report symptoms and pain in the mouth or jaw, an Austin neuromuscular dentist would help address the problem – whether is it regarding muscles, jaw joint or tooth position.   The Austin neuromuscular dentist would devise a treatment plan designed to correct any abnormalities on the bite of the patient by letting the jaws be positioned in their optimal place for the long term.

Neuromuscular dentistry can be expensive, but cost will still depend on every patient’s situation and condition, as well as the treatments necessary for correcting the condition. It would be better to check with your neuromuscular dentist first to have an initial check-up and determine the extent of the condition and possible cost of treatment. Dental insurance can help cover the expenses, and third-party financing is also available to make the corrective treatments more affordable and possible.

Read More

Recent Comments