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Like other professionals, dentists also retire after a specific time. Therefore, it is crucial to make a financial plan to secure post-retirement life. But if you are a dentist, you must develop a plan from the very beginning of your career which will help you in several ways. You can grow your career, expand your practice to multiple locations, purchase quality and modern equipment, and more. With a perfect plan, you can get these advantages, which will assist you throughout various life stages. Besides, the below reasons can help you to determine the significance of financial planning in your life. So, let us begin now.

1. Offers enhanced saving options

One of the significant reasons why dental doctors opt for financial planning is this. The plan will help them to increase their current savings rate significantly. As a dentist, you can enhance the rate in many ways. You might be wondering how? Well, here we have penned down a checklist below about this.

· Prepare a budget depending on your earning

· Reduce unnecessary expenses and manage cash flow

· Develop an accessible emergency fund

· Put money in various investment schemes before retirement

· Create short-term saving investments

You will get more benefits than you can ever imagine if you consider the above things when developing a dentist’s financial plan.

2. Can decrease the financial troubles

According to a report of some renowned psychologists, people from all over the world affect their health negatively by thinking about financial problems. After all, money is nothing but a notable source of stress and depression. Therefore, it is crucial to develop the best financial planning. As a dentist, you must have clear goals in your mind. It will help you in reducing your financial stress and can also give the best treatment to your patients. Thus, you can improve your health with the best plan, eventually reducing all your financial issues.

3. Generates returns and equity

Another significant reason for developing a financial plan is it can generate income through returns on equity investments. Equity means purchasing shares of a firm. It will enable you to make returns in multiple ways like, you will get dividends upon your share. Therefore, you can earn a little more with a comprehensive financial plan.

4. Promotes a better retirement life

A proper financial plan for dentists can offer a secure and peaceful post-retirement life to dental specialists. Like others, dentists also like to spend time with family and travel. In such cases, a financial plan can help them to fulfill their wishes and goals. They can also retire at their preferred age without bothering about money.

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Did you know why used cars are becoming costlier than ever? Gone are the days when you could walk into the dealership lot and buy a used car without any auto loan. What is the reason behind the sudden rise in the prices of used automobiles?

There is a global shortage of microchips essential for cars. And, so the manufacturing of new vehicles has suffered exponentially. The recent Covid-19 pandemic has also put innumerable roadblocks in the course of automobile production in the U.S.

It has also led to a dramatic rise in used car prices since 2019. In the recent months of May and June, experts have witnessed a sharp increase in used car pricing. However, the growth rate has tapered as of now. But, as things will return to normalcy, the prices of vehicles will continue to remain high. With the growing public preference for using personal vehicles instead of public transport, the demand for used cars will increase in the future.

Should you Wait for the Used Car Prices to Reduce?

Although the current rise in used car prices is due to manufacturing roadblocks, you should not wait to buy a vehicle. If you sit back and wait for the prices to drop, then you might have to wait for long.

a) With the improvement in automobile technology, dealers and lenders have realized that vehicles that have more than 100,000 miles on the odometer can still function optimally and deliver good results. It means you can get an auto loan even if you choose an older vehicle.

b) Until manufacturers reach full-production capacity, they will focus more on profitable car models. It means the general public will not be able to afford new cars. The demand for reliable used cars will remain high for quite some time.

c) There is another added advantage of trading in your current car to buy a used one. With the high demand for used vehicles, you will get a higher price for your existing car. It means you will enjoy a profitable trade-in, and it will help you reduce the overall cost of your auto loan.

d) You can wait to buy a used car if you can manage your work from home and do not need your vehicle to run errands. However, purchase it when you are resuming your job.

Why should you get Car Financing for Buying a Used Car in 2021?

Do you think it is difficult to get used car loans today? Do you want to buy an affordable car in 2021? Let’s find out why opting for used car financing is a wise decision.

a) Auto financing is a better decision, even if you have money on hand to pay the dealer. It will improve your credit score and establish a stable financial history. It is a good choice, especially when you do not want to take money out of your emergency funds.

b) Used car loans are better than personal loans because of their low cost. As the lender will use your vehicle as collateral, he will be sure of getting a return on his investment. So, you will enjoy a faster loan approval process, higher loan amount, and affordable interest rates.

c) Many subprime auto lenders are ready to offer bad credit auto loans for buying used vehicles. If your credit score falls below 630, you can still get an auto loan and make an affordable car purchase.

Do not make a Hasty Decision.

The main advantage of buying a used car was its affordable cost. But the recent pandemic has increased the cost of used vehicles, thus making auto loans necessary. However, do not make a hasty decision. There are many things to consider when applying for a used car loan. Before signing the loan contract, check all the aspects in detail. Check your interest rate and compare it with other loan quotes to arrive at a profitable decision.

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How has the Covid-19 Pandemic changed the Used Car Buying Strategy?

Did you know why used cars are becoming costlier than ever? Gone are the days when you could walk into the dealership lot and buy a used car without any auto loan. What is the reason behind the sudden rise in the prices of used automobiles?

There is a global shortage of microchips essential for cars. And, so the manufacturing of new vehicles has suffered exponentially. The recent Covid-19 pandemic has also put innumerable roadblocks in the course of automobile production in the U.S.

It has also led to a dramatic rise in used car prices since 2019. In the recent months of May and June, experts have witnessed a sharp increase in used car pricing. However, the growth rate has tapered as of now. But, as things will return to normalcy, the prices of vehicles will continue to remain high. With the growing public preference for using personal vehicles instead of public transport, the demand for used cars will increase in the future.

Should you Wait for the Used Car Prices to Reduce?

Although the current rise in used car prices is due to manufacturing roadblocks, you should not wait to buy a vehicle. If you sit back and wait for the prices to drop, then you might have to wait for long.

a) With the improvement in automobile technology, dealers and lenders have realized that vehicles that have more than 100,000 miles on the odometer can still function optimally and deliver good results. It means you can get an auto loan even if you choose an older vehicle.

b) Until manufacturers reach full-production capacity, they will focus more on profitable car models. It means the general public will not be able to afford new cars. The demand for reliable used cars will remain high for quite some time.

c) There is another added advantage of trading in your current car to buy a used one. With the high demand for used vehicles, you will get a higher price for your existing car. It means you will enjoy a profitable trade-in, and it will help you reduce the overall cost of your auto loan.

d) You can wait to buy a used car if you can manage your work from home and do not need your vehicle to run errands. However, purchase it when you are resuming your job.

Why should you get Car Financing for Buying a Used Car in 2021?

Do you think it is difficult to get used car loans today? Do you want to buy an affordable car in 2021? Let’s find out why opting for used car financing is a wise decision.

a) Auto financing is a better decision, even if you have money on hand to pay the dealer. It will improve your credit score and establish a stable financial history. It is a good choice, especially when you do not want to take money out of your emergency funds.

b) Used car loans are better than personal loans because of their low cost. As the lender will use your vehicle as collateral, he will be sure of getting a return on his investment. So, you will enjoy a faster loan approval process, higher loan amount, and affordable interest rates.

c) Many subprime auto lenders are ready to offer bad credit auto loans for buying used vehicles. If your credit score falls below 630, you can still get an auto loan and make an affordable car purchase.

Do not make a Hasty Decision.

The main advantage of buying a used car was its affordable cost. But the recent pandemic has increased the cost of used vehicles, thus making auto loans necessary. However, do not make a hasty decision. There are many things to consider when applying for a used car loan. Before signing the loan contract, check all the aspects in detail. Check your interest rate and compare it with other loan quotes to arrive at a profitable decision.

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Roundup Immune Weeds Present Environmental Threat

When the particular weed killer Roundup had been introduced in the seventies, it demonstrated it could eliminate almost any plant yet still be safer than many other herbicides, plus it helped farmers to quit harsher chemicals and lower tilling which could promote erosion. But 24 years later, a few sturdy species of weed resistant to Roundup have evolved, forcing farmers to go back to some of the less environmentally safe practices they abandoned many years ago.

The situation is the worst within the South, in which a number of farmers now walk fields with hoes, killing weeds in a way their great-grandfathers were happy to leave behind. And the issue is spreading quickly across the Corn Belt and beyond, with Roundup today appearing unreliable in killing at least 10 weed varieties in around 22 states. Some species, like Palmer amaranth in Arkansas and water hemp as well as marestail within Illinois, develop fast and huge, producing tens of thousands of seeds.

These have started to become such a big deal and people don’t know or care about this at all. This is the common sentiment by the locals and agronomists who cultivate soybeans as well as cotton close to the southern Illinois community of Creal Springs. When you have these things and deal with them, they become such real big problems. When Monsanto presented Roundup in 1976, it was like the most wonderful thing since sliced bread. This is what these developers of corn and soybeans next to Auburn in central Illinois think in with this decision.

The grass killer, known generically as glyphosate, is ingested by means of plants’ leaves and kills them by obstructing the production of proteins they need to grow. The U.S. Environmental Protection Agency views it to have little toxicity to people and animals, and aside from the plants it’s dispersed on, it’s much less of a threat to the environment because it quickly adheres to soil and becomes inactive. Monsanto’s introduction of seeds made to survive Roundup made things better yet for farmers because they could spray it on rising crops to eliminate the weeds thriving along with them.

Seeds that contain Monsanto’s Roundup Ready characteristics are actually utilized to grow about 90% of the nation’s soybeans and 70% of the corn as well as cotton. With increased reliance on Roundup, herbicide use on corn decreased from 2.76 lbs an acre in 1994 to 2.06 in 2005, the most recent year for which the U.S. Department of Agriculture has information. Spread that out over the 81.8 million acres planted in 2005, and it’s a decline of greater than 57 million pounds of herbicides each year. Farmers also observed they are able to cut back, or in some cases remove tilling, reducing erosion and fuel use. However with any herbicide, the greater it’s utilized, the more probable it’ll encounter individual plants within a species which have just enough genetic deviation to endure what will kill most of their kin. With each generation, the survivors signify a larger percent belonging to the species.

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Circumstances That Can Affect Child Support, Custody Arrangements and How to Present Them to Courts

When modifying child support or custody arrangements for your children, it is important that you are able to prove a “substantial change in circumstances.” But what exactly is considered a change in circumstances to the court, and how can you use these changes in your favor?

Here is a quick rundown of some instances that you can utilize to take your child support or custody order back to court for reconsideration and modification:

- The mental and emotional health and stability of the other party-if your ex-wife is battling depression, anger management or has been acting irrationally, you can use this against her in court

- The other party’s remarriage-you can argue for a modification if the new parent is disparaging you in front of the child, is abusing your child, or is participating in moral misconduct such as sexual promiscuity, using illegal drugs, or has been convicted of certain criminal activities in the recent past or present.

- The other party’s moral conduct-if your ex-wife is living with a man out of wedlock, is sexually promiscuous in front of your children, has been convicted of abuse, illegal drug use, or any other crime, this may be grounds for reconsideration of custody.

- Child-snatching-if your ex-wife kidnaps or flees with your children without your consent or knowledge, you can use this against her in court to have your children placed with you due to an unfit custodial parent.

- Dishonorable discharge from the military-if your ex-wife has been dishonorably discharged from the armed services, this may be used against her in order for you to obtain custody.

- Positive improvement in the child’s life is custody is changed-if there is any proof that a positive improvement in the child’s life can be made by switching the child’s environment and custodial parent, this may be considered in the courts as grounds for modification.

There are, however, circumstances that CANNOT be deemed grounds for modification. A few of these may be:

- The race of your ex’s new spouse

- The religion your ex decides to raise your child under

- Criminal activity or charges in the distant past (though more recent activities will be considered)

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Quality of Life – Finding Enjoyment in the Present Moment

Can you remember what it was like when you were a teenager and had your whole life in front of you? You were filled with hope that you would reach all of your goals and life would be happy. Then something happens. As you get older you realize that life is full of difficulties. You sort of wake up from your sleep with the knowledge that life isn’t as easy as you thought it was and you begin dealing with all of the challenges you are facing.

Some people keep striving toward making a certain amount of money or having that large house certain that once they get it they will be happy. What usually ends up happening is that once they get it there is a momentary thrill but then the thrill is gone.

So what leads to fulfillment in life? You probably heard this before but life is about enjoying the journey. Being in the moment and having as many meaningful moments as you can. How you feel about yourself at any given moment can determine the quality of the moment. How you interpret events all day long determines the quality of your moments (see my Brain Babble posts).

How can you increase the moments where you experience feeling good about yourself? What are you proud of about yourself? What else would you like to be doing with your time? What do you find meaningful? How do you respond to stressful events? Can you learn new skills so you can improve the way you deal with stress?

How we handle our inner life determines the quality of our life. We can own a new house but if we are running around angry and complaining all day and if we hate our job then we are not experiencing quality moments regardless of living in our dream house.

Check in with yourself a few times a day and write down how you are feeling. Set your watch to go off at different intervals and see what you are thinking about. I am going to set a reminder in my calendar tomorrow to check in with myself every couple of hours. Let’s work at living our lives on purpose and experiencing more joy in the present moment.

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Make Your Bathrooms Presentable to Guests With Walk in Showers

A walk in shower is the newest trend in bathrooms decoration. People have realized how important the bathroom is for the house mainly because all the guests will be using the bathroom. In other words, the bathroom can define how clean and elegant you are just by the look of your bathroom interior. This leads us to believe that you need to put extra effort in making you bathroom very presentable.

A walk in shower enclosure will fit perfectly into your bathroom because it can be installed in any little or big space you have and it is like it wouldn’t be in there, being made from clear glass. This is a good decoration model but at the same time this will make your bathroom look very spacious, looking like the place where this is put is empty. With more open space into your bathroom you can be proud of having a good looking ultra modern bathroom. It will be the attraction of the house for your friends or relatives.

You would your house to be all made from glass because this material is very elegant anywhere is used and helps creating the impression of open space because it is transparent and it is like in existent. How you can’t have the whole house made from clear glass you can choose to have at least the shower made from that material. This will look great in any type of bathroom, in any house.

Because there are some enclosures that do not have doors, this can be a big advantage for the owner of the house because this will make him feel very good and comfortable. He will feel free, like he would be in a very spacious shower. You won’t feel closed like in the usual showers and the flow of the water through the entire bathroom will give the Impression of freedom and naturalness. You will feel like you are outside immersed in nature.

Even if the showers look quite delicate, they are durable and are made from hard break resistant glass which looks great with frameless glass doors. Even with many unique walk-in shower designs, they will be created with security and durability in mind. The way your bathroom looks is very important so you have to be very carefully in choosing it because the shower can change the entire bathroom and the entire house.

So there you have it, installing a walk in shower enclosure can have many great benefits for you, but ultimately, it can be a great addition to your bathroom making it more elegant and usable, most especially to your guests.

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The Rich Professional Sports Past and Present of a Well Known Southeast City of Ohio

Cincinnati is undoubtedly a city with a rich and interesting history. Many people know that the city was once known as Porkopolis due to the large amount of pork produced in the downtown area. However, what some people fail to realize is that there are many other great things about the city in the past and present as well. For example, orthodontics and braces are also known for their quality and excellence.

In addition to excellence in the field of dentistry, Cincinnati also has a rich tradition in professional sports. Currently there are two major pro sports teams in the city, the Cincinnati Reds of Major League Baseball (MLB) and the Cincinnati Bengals of the National Football League (NFL). Also, in the now fairly distant past, the Queen City had a basketball team called the Cincinnati Royals, for which NBA hall of famer and University of Cincinnati graduate Oscar Robertson played. In the upcoming paragraphs all three of these interesting professional sports teams will be discussed along with a review of how the two currently existing teams have done in their recent seasons.

The Cincinnati Reds are one of the older teams in professional baseball and in fact used to be known as the Cincinnati Red Stockings. Currently the team plays in the Central division of the National League. In their past the team has had both some excellent success and some truly miserable failures. In fact, from the year 1970 to 1976 the team was given the nickname of “The Big Red Machine”, which was a time of unprecedented success for the team that brought two World Series Championships. The most infamous player of all time was Pete Rose, who on talent and achievements alone deserves to be in the hall of fame. However, his partaking in and admitting to gambling on baseball games while playing has barred him from receiving that magnanimous honor.

The other major professional sports team in Cincinnati is the Cincinnati Bengals of professional football. The team has in fact never won a Super Bowl and was closest when Boomer Esiason played at Quarterback, losing in the Super Bowl to San Francisco. Recently the team has found some success under Coach Marvin Lewis, and they in fact have made the playoffs two times in the past five seasons.

Lastly, the Cincinnati Royals used to be a professional basketball team in the city. A local star from the University of Cincinnati named Oscar Robertson, who is now an NBA hall of famer, was the star of the team and they met with a reasonable amount of success. The team in fact had been moved around all over the nation, originating in Rochester then stopping in Cincinnati and Kansas City before making their final stop in Sacramento where they are now known as the Kings.

Despite the fact that most of them are not horribly successful these days, as anyone can tell from the preceding paragraphs, Cincinnati has a very diverse and rich history in professional sports.

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Presentations With Visual Aids

As we all know different people learn in different ways. Some of us are thinkers; we take the information we are being fed, go away digest it, reflect upon it and happily store it once straight in our heads. Others are doers; best learning when we can carry out the task ourselves or immediately experiment with the information we are being provided. You have your information sponges; people who can absorb and store information easily and as quickly as it is being fed to them and then you have your visually stimulated learners; those of us who like and respond better to visual stimulation be it watching a video, being shown an example or seeing a drawing on a flip chart!

For visually stimulated learners the use of props and visual aids can really help the intake of information and for all other types of learner they can offer a welcome break from and humour to any presentation or tutorial.

Visual aids are used in all kinds of industries for all kinds of purposes whether it be for presentations, training courses or public speaking and not only do some learners respond better to visual aids, many people teach and present better with the use of them.

The pressure of public speaking can be immense especially when all eyes are you. Whether you are in a classroom of twenty or in a hall of 2000, the distraction of props away from yourself can often be a welcome one. As well as diverting attention, a visual aid also gives you another channel for your explanation & presentation. A simple example of this can be describing an apple! With nothing to hand you would probably be using phrases like “the bit at the top” and “the outer layer” and so on. However with a prop apple in our hand we would be more likely to present in a way where we would be saying “this part here” and “the green colour is the skin”. This example also explains why some people absorb the information better when taught in the visual way. By making a connection between the visual aid and the information being explained to us we combine the two and store the information easily.

Obtaining visual aids to assist in any presentation is easy. Sometimes it can be something simple we have at home, old clothes, boxes, packaging etc. Or for those visual aids that are more likely to be reused time and time again or be handled by members of the group you may want to consider replica items and props. The market today offers all kinds of replica items from fake food to fake diamonds all of which can be packed up and stored ensuring you are armed for any kind of future presentation.

As a public speaker you will want to reach all types of learners, you will also want to keep everyones attention and most of all hope that your group enjoy their time with you and take something away with them. By combining your presenting/ teaching methods using both information and visual stimulation you are more likely to keep your audiences attention and reach a broader spectrum of your targeted group.

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Public Speaking Skills: The First Principle of Great Presentations

Before sharing with you some general advice about principles of public speaking, I am assuming that you know that great presentations take hours, sometimes days, of dedicated preparation. I do realize that if you make presentations to clients on a regular basis and it’s only the actual content that changes, you won’t have to spend a great deal of time preparing after the first couple of times.

However, I base all my seminars on the principle that to present at your best, you must be prepared to prepare. Both your material and your self.

First Principle: Aural (listening) and visual communication are very different

The saying that ‘a picture is worth a thousand words’ can be true. Keep that saying in mind when using visual aids. Use a picture, diagram, flow chart or other image to convey visually what you’d need a thousand words (or so) to say. Your use of visuals in a presentation should illuminate the meaning of your spoken words.

Great presenters support their visual images by speaking in detail about what is being conveyed visually. That tactic is very useful and extremely powerful. It focuses the minds of the listeners simultaneously on the message which they’re receiving both visually and aurally (by listening).

When you show a slide of a rose but you talk about lemons – not that you’d dream of something as silly as that – but when there is a conflict between the visual image and what you’re talking about, confusion follows. Human beings find it difficult to listen to your words, while simultaneously looking at images about something even slightly different via your visuals.

Yet, even the most experienced public speakers do that. They spend their preparation time really well by distilling some complex information into a great diagram that is clear and easy to understand. They create that great visual and then talk and on and on (and on) – about something else.

We’ve all paid a huge entry fee to hear great public speakers present their information to an audience of people keen to hear them. We’re just relaxing into the presentation when up on the screen comes a diagram that looks like a circuit for a computer. Boxes all over the place, a few arrows going both ways or in circles and a colour/color scheme that confuses the listeners even more.

I’m sorry to have to say this, but University lecturers have been the worst offenders to date. The others are the people whose information is extremely up-to-date and very valuable but they haven’t invested enough time learning how to present their gems.

My approach to public presentations is inspired by something Albert Einstein is alleged to have said:

“If you really understand something, you can make it understandable to a ten year old.” So, be like Einstein: keep it simple. Your words and your visuals.

There’s a related rule I use in my own presentations. You don’t have to follow it, it’s just my advice. That rule is:

If your visual aids don’t stand alone, or make sense by themselves, dump them. If you don’t discard them, please at least have a very good second look at them. If your visual material is going to require lots and lots of verbal explanation, sorry sweetness, but they’re too complex for a public presentation. You can of course include them in your conference paper. That’s a different medium of communication altogether.

So to sum up that fundamental principle of good oral communication: never confuse your eager listeners by presenting difficult-to-follow visuals which in turn, are out of synch with what you’re actually talking about.

Public speaking fear can mar your presentation

A big reason for under par presentations is one with which we all feel some empathy. The person speaking is a world expert on the topic but… s/he is has such high levels of fear of public speaking that it becomes easier to hide in visuals. Worse still, some very nervous speakers resort to standing there and reading their presentation. I know that everyone can conquer their public speaking fear. If fear of public speaking is more of an issue for you than preparing your talks and presenting them using clear and simple visual and verbal language, I urge you to get the help to conquer that public speaking fear.

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