Archive for the ‘Dentist’ Category

What You Don’t Know About Back To Back Annuities Could Be Costing You More Than You Think

December 14th, 2017 | No Comments »
Posted by ZKS7z9Yp under Uncategorized

Submitted by: Rino Racanelli

If you are retired or near retirement you are focused on both investment safety and returns for your investments. You want these investments to supplement your retirement income, so you want to obtain the best return while assuring your capital is guaranteed. This will often lead you to invest into guaranteed investment certificates (GIC s) and bonds, securing your principal at a low interest rate. But are you doing the right thing by playing it safe?

There could be some potential risks when you invest in GIC s and bonds that you are unaware of. There are risks for just about every product you invest in; the difference is only what type of risk you are taking. If you invest in GIC s and bonds you are taking interest rate risk and inflation risk.

Low interest rates make it more difficult when having to choose which GIC term rate you should invest in. For example, if you choose to purchase a 5-year GIC and lock in for the higher interest rate, then the risk will be if interest rates rise you could be loosing out a higher rate of return because your money is tied up for 5 years. On the other hand, if you choose a 1-year GIC and interest rates remain level or go down then you have missed out because you could have locked in for a longer term and received a higher interest rate.

Most retirees simply go their local bank and buy a GIC because that’s what they have been doing for years (even if the bank is offering only a 1% rate of return on their money.) The banks are very happy with this arrangement, because they take your money give you a 1% return then lend your money to someone else at 5.5%. Good deal? Yes, for the banks, not for you!

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What most seniors don’t know is that they don’t have to risk their life savings in the stock markets to get a higher after-tax retirement income. A back-to-back annuity is a low risk strategy that can increase your retirement income and still provide a size-able estate to pass on to your loved ones. But before you commit to any retirement program, it is important to understand the potential pitfalls associated with any retirement plan. For example, your age, health and gender will be important factors to getting the best insured annuity rates.

Some important points to also consider when preparing your retirement plan include:

what are the enormous mistake seniors make when investing in GIC’s and bonds.

the 5 important questions that determine if insured annuities are right for you.

about the “Golden Rule of purchasing an insured annuity” (Violate This Rule At Your Own Financial Risk!)

why the typical financial advisor can never promise you a higher rate of return using this strategy

how to protect your retirement income if a company goes bankrupt

why even a 9% rate of return is not out of the question (as preposterous as that may sound.)

Besides a back-to-back annuity, some retiree have also looked at insurance companies who offer Guaranteed Withdrawal Plan (GWP) that promise you a 5% return on your investment but at the same time guaranteeing your principal. Be careful to read the contract of these GWP plans. The 5% guaranteed rate is a bonus on your initial investment and is attached to an income for life. It is not a rate of return. At present no financial institution is willing to offer a 5% rate of return in this low interest rate environment.

About the Author: Rino Racanelli is widely recognized as Canada s whiz on back-to-back annuities and other investment strategies using insurance. As a licenced insurance agent in the Province of Ontario for over 19 years, he has been showing seniors the unique methods for increasing their retirement income while protecting their assets to pass on to future generations. His educational background also includes: Graduate of: The University of Toronto, The Canadian Securities Course, The Canadian Investment Funds Course, and The Life Underwriters Association Training Course.Rino offers a free report titled, “How To Increase Your Retirement Income Using A Back To Back Annuity.” The report is available at


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4 Simple Bad Breath Treatment That Are Totally Easy To Do}

October 3rd, 2017 | No Comments »
Posted by ZKS7z9Yp under Uncategorized

4 Simple Bad Breath Treatment That Are Totally Easy To Do


Izrul Fizal

Ever wondered how to get the best bad breath treatment than can totally cure your bad breath problem? If you are constantly looking for ways that can aid you to solve this problem, you have come to the right place. I have listed 4 ways of bad breath treatment that can surely get good result.

1) Brush your teeth every day

You might say that you already done this but how frequent do you brush your teeth? If you only brush your teeth early in the morning, then you really need more guidance. Bad breath is usually because of germs and bacteria that contain inside your mouth. The bacteria will start to come back again after few hours and that is why brushing once daily is not enough.

You need to brush your teeth at least twice per day. Or better yet, brush your teeth after taking a heavy meal. This can ensure your breath will stay fresh all the time.

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I would like to give you a tip. Choose the right toothbrush and toothpaste to get the optimum result. Sound simple to do, right?

2) Drink 8 glasses of water every single day

Water is an essential part of your body. Without it, you will feel dehydrate and weak. Not having enough water will make your mouth feels dry. A dry mouth usually have a bad breath. Why? When you do not drink enough water, there is not enough moisture inside your mouth to remove the bacteria that is stuck on your teeth and tongue.

Everyone can do this bad breath treatment. If you lazy to drink water, then nobody can help you to cure your bad breath.

3) Eat food with less protein

Protein is important part in growth of your body tissues. However, taking it too much can cause bad breath. Food like steak and chicken have high amount of protein. Try to control your food intake in order to prevent your mouth from having a bad smell.

It is best if you eat more vegetables and fruits since these kind of food have lots of minerals and vitamins inside it. Not to mention, it also contains additional water which is good for your health.

4) Consult your dentist

I still consider this as one of best bad breath treatment. Who else is better giving you advice on bad breath problem rather than your dentist. Usually, dentist can straight away know your problem and will advice you on the correct way to solve your bad breath problem.

Sometimes, dentist can also provide you with more information on which bad breath products that is guarantee to work. The best part is a dentist will not charge you that much for one consultation and some might offer a free consultation.

Bad breath treatment is relatively simple once the underlying cause has been determined. Having a fresh breath will boost up your confidence level to talk to other people without having a fear people will turn away from you.

If you are looking for one top secret to

bad breath treatment

, then look no further.

Finally, there is a breakthrough in solving your bad breath problem quickly and permanently.

Check out

for more information and details.

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4 Simple Bad Breath Treatment That Are Totally Easy To Do


Guide To The Modern Use Of Ceramics}

September 29th, 2017 | No Comments »
Posted by ZKS7z9Yp under Uncategorized

Guide To The Modern Use Of Ceramics


Amit Kheterpal

Ceramics as a material were initially used by the scientists in the space industry. They used the ceramic sheets on the outside to create a heat shield against the high temperatures which were generated when the shuttles were entering the earths atmosphere.

Once the ceramics as material was popular its first use was in the ball bearings industry where they used the ceramic material to make ball bearings which were being used wherever there were high intense heat situations.

Now the ceramic industry is a large industry with the ceramics being used in every conceivable form ranging form the flooring industry where ceramic tiles are popular to the high end aerospace industry.

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Initially the ceramics were the refractory material which is still used in the flooring industry but for the high end uses there were hybrids developed like the silica carbide and the silica nitride. These ceramics have advantages over the traditional steel or other materials.

Ceramics are corrosion resistant as well as they are heat resistant and of course they much better at bearing heavier loads than steel. It is for this specific reason that the ceramics have been used by the industry even in the medicine world. Specific for bone implants and orthopedic restorations the ceramic material is used as it is very hard and tough to sustain pressures.

The other major use of ceramics is now being done in the semiconductors world. The integrated chip circuits that are used computers and other high techs gadgets have ceramic material. The ceramic material is also used in manufacturing of insulators and capacitors.

That said the future seems to be very bright for ceramics and a lot of research is being done to leverage the strength and the corrosion resistance of the ceramic materials.

In fact one of the major uses of ceramic has been in the cosmetic dentistry industry especially the porcelain veneers. Porcelain veneers are used by the cosmetic dentists makes new veneers for use on their patients. Porcelain veneers have a vitreous and glassy feel and that is why the look good on the tooth for a glassy white finish as dental crowns.

Ceramics as material is been continually evolved to make sure that in nowadays world it is environment friendly and can be easily disposed off also. These materials are hard and hence pose challenges when they are recycled as they cannot break down easily. So there is more research being done nowadays to look into this aspect of the ceramics.

The author discusses various

types of ceramic ball bearings

and also tells about the

ceramic ball bearings usage

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