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How to Finance A New Million Dollar Smile Here in Rochester

Tuesday, August 30th, 2022

Everyone values a bright smile. Of course, there is a large majority of people that were not born with a smile they feel confident in. Luckily, there are plenty of treatment options available that can give you that million-dollar smile that you feel proud of. However, if you live in the city, you may notice an influx of providers. It can be difficult to find a dentist that meets all of your needs. Use these tips when searching for a new dentist in Rochester!

Remember You’re Worth the Investment

Before you start reading about what it takes to finance a great smile, it is important to realize that you are worth the investment. Many people put off dental work because they are worried about how they will finance it. This can be especially difficult with unexpected costs always seeming to come up. About 99.7% of adults think that a beautiful smile is an important social attribute. Feeling good about your smile will boost your confidence and can open doors to other opportunities.

Dental care is not just about cosmetics; it’s about your good health. It’s predicted that the global cosmetics market will reach 805.61 billion dollars in 2023, based on growth projections. In 2017, it was worth about 532.43 billion dollars. That’s a lot of money spent on cosmetics! Imagine if a small percentage of that money was spent on dental care. Everyone would have a million-dollar smile and feel great. You are worthy. You deserve to feel good about your smile, and there are ways you can finance your smile affordably.

Research Provider Payment Plans

Your first option to finance your dental work is to ask about payment plans at your dental office. Many dentists offer a pay-as-you-go plan for treatments like braces. About 4 million people in the United States wear braces, and about 25% of those patients are adults. Many orthodontic patients use payment plan options to make braces more affordable. Typically, the plans will require a down payment, followed by affordable monthly payments. You may have to shop around to find a provider that offers payment plans that you can afford.

Negotiate Your Options

Patients often do not ask for discounts at their dentist’s office, but they should. Consider asking your provider about any discounts that they are offering, or how you can make the services more affordable. Some providers will throw in added-value services like free teeth whitening. Negotiating the cost of services can reduce your bill. Some providers offer a cash price for services that can offer significant savings. If you don’t ask for discounts and other ways to save, you will never know if you can make the services more affordable. Ask for ways to save.

Ask About Dental Loans

If your provider does not offer a payment plan, consider working with a dental loan company to finance your new smile. A dental loan company is a loan service that specializes in providing the finance that you need to cover the cost of dental care. You will need to have good credit or a co-signer with good credit to take advantage of this option.

Use Your HSA

If you have a health savings account, you may be able to use it to cover the cost of your new smile. Using an HSA (when permitted) is an easy way to finance your dental work. Some plans allow it, while others do not. Connect with your HSA provider to learn if your account can be used to cover dental work. You can also enroll in a dental insurance plan to help finance your dental work. Make sure you do the math before you decide on this path. Dental insurance will typically cover 50% of most restorative work, but it does not cover things like veneers and other “strictly cosmetic” procedures.

A new smile can bring you confidence that you never imagined. Before you decide that you can never finance a million-dollar smile, talk to a local dentist about payment plans, and explore other options throughout the city. Remember, you are worth the investment.

Tuesday, August 30th, 2022
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Posted in Other, Uncategorized | No Comments »

5 Secrets to Opening a Succesful Rochester, NY Business

Wednesday, January 5th, 2022

Rochester, NY is a fantastic area, it is full of life, full of people, and a great area to start a business. Being able to start a business that is actually going to work well and that is going to succeed can be difficult. It has been found that nearly 70% of all business partnerships actually fail. This is an alarming number, but taking the time to figure out how to get your business off the ground successfully can help you make a name for yourself.

Make a Plan

One of the worst things that anyone can do is to start to build a business without first creating a solid plan. You should take the time to create a solid business plan, figure out what you want to accomplish, figure out what you hope to do with the business, and more. You also need to take legal structure into account. This means things like LLC and incorporation. You should take the time to figure out what legal structure is going to work best for your business then contact a lawyer to help set it up. Planning for things like data breaches is also a great idea, it was believed that in the first half of 2019 alone, over 4 billion records were leaked from breaches.

Apply For Business Licenses and Register for Taxes

You then need to take the time to make sure you have the appropriate business licenses and the right tax IDs so that you can be certain your business is going to be legal. You want to make sure that there are all permits put into place that should be before you open and before you put in any major work. Taking the time to make sure all the footwork is done before you actually open for business can make a big difference and can help you move forward once you are ready to start.

Banking and Accounting

You also need to take the time to set up your accounting and banking so that when you have expenses or when you need to start making money, you are prepared and you have the information and the accounts that you need to be able to run a successful Rochester business. Taking the time to get your accounting taken care of prior to opening is going to ensure you are ready to get money from customers and that you are ready to start making your business a success.

Employees and Insurance

You then need to consider things like insurance for the business and for your employees and of course the employees themselves. You need to find employees that are going to be able to work for you and help your business succeed and you also need insurance for your business to protect it from disaster. You can always speak with an agent to discuss business insurance reviews in order to ensure that you are going to have all the necessary insurance in place.

Take your time with all the things that you do with your business. Do not rush things for the sake of getting the doors open sooner or getting things started. It is important to take your time, to work to ensure that everything is in place when you need it to be and that you are doing everything right. Taking your time is going to help you ensure that there are no issues, that you are going to be able to have a successful business, and that you are able to move forward without issue. You also want to account for the building itself and where the business is going to be housed. Issues like water consumption, in homes across the country normal water usage per person per day is around 70 gallons, this number can be higher for businesses.

Taking the time to check all the boxes, to give yourself plenty of time to make necessary adjustments, and to work out any problems beforehand is going to ensure your business opens smoothly, that you are able to have a successful business in Rochester, and that if there are any issues, you can have them handled before your business opens and before you start working.

Wednesday, January 5th, 2022
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What Do NFTs Mean for the Future Economy?

Friday, November 19th, 2021

NFTs (non-fungible tokens) are shaping up to change the face of the economy. But why should you care about these virtual bits of data? To many people, NFTs are nothing more than a file and, beyond their utility as profile pictures, really have no ‘value’ to speak of. For this article, we’d like to talk about NTFs within the framework of stocks and real estate.

Utility and Value

The very first instance of popular P2P file sharing arose with the invention of Napster back in 1999. The popularity of file sharing makes it clear that the value of something is about much more than its utility. For example, a house in the states and a house in a popular city like Mumbai may offer the same utility (protection from the elements, a warm and dry place to live, etc.), but the house in Mumbai will cost more due to other factors. Its value is not just in its utility.

The economic value that can be gained from a place has a lot to do with networking and other opportunities that surround the thing itself. The higher the economic activity such as employment, events, business, etc., the higher the property value in these places. In this way, property value is very much dependent on this networking factor.

Value can be derived from social status as well. Property near golf courses or in other high-end neighborhoods can be much more expensive than their immediate neighbors just due to the social value placed on the property.

Stocks

Stocks have long been valued by discounting the future cash flow, but even stocks have been moving away from this in recent years. Certain brands have a value premium due to aligning themselves with a public mission. It may be a good idea in the future to allow investors to showcase which brands they back on their social profiles, allowing the public more knowledge as well as the ability to bond with them over shared values.

A Social Network

Speaking of shared values, some of the best tech companies capitalize on this sort of networking value by creating their own network from which they can derive value. Current NFTs are in the place that cryptocurrencies were in back in 2015 — the initial stage of mass adoption. Many of them are PFP (profile picture) NFTs — belonging to mission more than the utility. These give insight into the account owner’s values and beliefs, allowing for more networking as others feel a connection based on those shared beliefs.

All this hype and attention is not without risk, however. Amazon Web Services even recently defended against a DDoS attack that recorded the highest peak traffic volume ever — 2.3 Tbps.

New World Web

Still in an early stage, NTFs aren’t for everyone. Even now, over 40% of buyers eventually regretted a purchase they never thought they would regret.

That said, NFTs are a fantastic conduit for all of the information a system may need and then provide it to the community in an aesthetically pleasing way. NFTs could very well be investment, currency, identity, and gateway all wrapped into one before much longer.

The Bottom Line

Web3 is fast approaching as the future of the internet. As we spend more and more of our time digitally, the digital economy will eventually surpass the IRL (real world) economy in terms of sway. The multi-fold reality of the economy as Web3 is truly boundless. In other words, if you want to retire to Florida for some self-care, investing in NFTs may very well be the way to go.

Friday, November 19th, 2021
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What To Do Now That the Rochester Auto Show Is Cancelled

Wednesday, September 1st, 2021

By Sammi Cohen

If you were one of the many people looking forward to the Rochester Auto Show this year, you’re unfortunately out of luck. COVID-19 and its spread have canceled this event for the year, leaving many people with few options for fun. Thankfully, there are still many things that you can do to keep yourself entertained and avoid pandemic boredom concerns. These ideas might just help you get through this tough time.

(more…)
Wednesday, September 1st, 2021
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Thinking of Getting Braces? Here’s What You Need to Know

Wednesday, April 21st, 2021

By Melissa Brewer

Having healthy teeth is one of the most important factors in our overall health. A daily oral hygiene schedule is essential to maintaining a healthy mouth. We must also make consistent visits to the dentist as well. Overall, this will be of great benefit to us. It is also vital that we have not only clean teeth but straight teeth too. For many people, this means that we need braces. We often associate braces with young adolescents. However, many adults require the need for braces. Follow along for information and advice regarding adult braces

(more…)
Wednesday, April 21st, 2021
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Helpful Legal Information You Should Know

Wednesday, March 17th, 2021

By Samson Weinberg

You would be surprised to know how important basic knowledge of the law is. Understanding the law means you have a basic understanding of the key component responsible for the proper functioning of society. When you incorporate the law into your life, you are equipped with necessary guidelines as well as a certain binding duty to uphold your responsibility to the legal aspect of human life.

(more…)
Wednesday, March 17th, 2021
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Tips For Staying Safe in Rochester This Winter

Wednesday, January 6th, 2021

By Samson Weinberg

There’s nothing quite like a lake effect snowstorm in Rochester. That’s why it’s important to think about the safety measures you can take before any major storms roll in this winter. Below are some tips to help you stay safe and healthy this winter season.

(more…)
Wednesday, January 6th, 2021
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Posted in Other | No Comments »

Taking a Look at Rochester Real Estate Post COVID-19

Tuesday, October 13th, 2020

All across the U.S., COVID-19 is having unparalleled and unexpected effects on housing sales. In spite of expectations, sales are booming. Traffic on mobile applications like Zillow and websites like Realtor.com is up by up to 50% in nearly all markets, according to Forbes, and a growing number of Americans are buying their first homes or purchasing more spacious and more expensive ones.

(more…)
Tuesday, October 13th, 2020
Posted in Other | 1 Comment »

Remote Work Productivity Tips in the Time of COVID-19

Monday, August 24th, 2020

New Yorkers are no stranger to the stress that the COVID-19 pandemic has placed on our shoulders. It’s officially been five months since Governor Cuomo enacted the “New York State On Pause” executive order and social distancing guidelines are still in place. As such, many workers are still performing the ins and outs of the daily grind from the comfort — and stress — of their own home.

As we enter the sixth month of quarantine measures, some businesses have allowed employees to reenter the office. Regardless, countless small offices have refused to let their employees bump elbows for the time being. Even though many people have begun to accept the trials and tribulations of remote work, that doesn’t mean that staying focused has become any easier.

Why has it been so hard to stay focused as we continue to work remotely?

(more…)
Monday, August 24th, 2020
Posted in Opinion, Other | No Comments »

Staying Healthy During and After the Pandemic: 3 Great Tips

Friday, June 5th, 2020

By Melissa Brewer

There isn’t an individual in the U.S. that hasn’t been affected by the coronavirus in some way or another. Hundreds of thousands of people have lost their lives, tens of millions of people have lost their jobs. And literally every single person in the country has been dealing with unprecedented levels of anxiety and fear.

Things are scary. That might be the understatement of 2020 — but they can and will get better. It’s just on us to do everything we can to better ourselves, our communities, and our world.

In Rochester and abroad, it starts with maintaining a healthy lifestyle.

During quarantine, it’s easy to slip into a funk and waste away your day eating junk food, watching 8 hours of Netflix, and including in some other unhealthy habits. Donuts and Netflix every once in a while is not a bad thing — in fact, it’s downright necessary. But you can’t do that too often because your health will be in serious jeopardy. You have to do everything you can to stay healthy so you can fight off any viruses and so you’re in a good mental state to get back to work and start building your future.

Here are some great tips for staying healthy during the COVID-19 pandemic and in the days, weeks, and months following…

(more…)
Friday, June 5th, 2020
Posted in Other, Rochester News | 1 Comment »

7 Tips To Help You Make It Through The End Of Winter

Monday, March 2nd, 2020

By Melissa Brewer

With the last lingering dregs of winter upon us, it can feel like spring will never arrive. The long, dark times of a Rochester winter can have a serious effect on people’s mood and health. Some people even develop SAD, or seasonal affective disorder, due to the low light of winter.

Whether you are suffering from SAD or just longing for the warmer days of spring, here are seven tips to get you through the final days of winter.

(more…)
Monday, March 2nd, 2020
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Posted in Other | No Comments »

RocLinks 10/8/16

Saturday, October 8th, 2016

Donuts Delite Ad. [PHOTO: Rochester Democrat and Chronicle 8/29/60]
By Matthew Denker

Yum Part 1

It’s that time of year again. Fried cakesexternal link are in. And here are a bunch of delicious sounding ones.

Read on for more of this week’s RocLinks…

(more…)

Saturday, October 8th, 2016
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Posted in Art + Culture, Other | No Comments »

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