The least expensive route to taking care of your teeth is routine care. If you keep your teeth clean, floss regularly, and don’t let a lot of sugar (or any!) stay on them for any length of time, decay won’t get the chance to take hold of your teeth.
As I’ve written about before, I didn’t do this. At times in my life I didn’t take care of my teeth, and now I’m paying the price. I will for the rest of my life. The problems just get more expensive, and the solutions are never as good as the teeth that God gave you.
Dental work is a luxury
This past week I finally got a new crown to replace one I broke two and a half months ago. Getting the crown replaced was expensive, both in time and money:
One of the surest ways to lose money in the long run is to play the lottery every week. The more you play them, the more likely you are to meet the overall probability of the game you’re playing. The odds are never in your favor.
Regardless of where the money raised from the lottery actually goes, it boils down to a tax. A tax on people who don’t understand, or who willfully ignore, statistics.
One of my teachers in high school played a pick-three game. He had a number of theories he relied on to pick his numbers. Some of them were based on whether or not the previous few days had any repeating digits. He told me about this, and I said that what the number were yesterday has no bearing on what they are today. (Even as a high school student, I got this.)
Happy Veterans Day! I thank all of the men and women who serve, or who have served, in the United States Armed Forces — especially our veterans. I deeply appreciate your service to our country.
Jeff Rose served in the Army National Guard, and is an Iraq combat veteran. He’s now a Certified Financial Planner™ and blogger. He talks about both in the context of personal finance through his book, Soldier of Finance, a book which I enjoyed thoroughly.
Retailers are.
A Facebook friend snapped a picture from his local Walmart. The sign read “Days Until Christmas: 47.”
When I was young, I made an advent chain out of red and green construction paper. I hung it on one of the lights in my room, and tore off one link of the chain each day until Christmas. If I did my math correctly, that last link would be Christmas Day.
I’m pretty sure the earliest that I started this chain was Thanksgiving, though. We haven’t even hit Veterans’ Day and the stores are counting already. And although the picture was from Walmart, I’m positive that Walmart isn’t the only store that is trying to get its customers into the holiday shopping season as early as possible. Costco had some Christmas decorations for sale in late summer.
Pushing harder than ever
I overheard a conversation at customer service at my financial institution as I was standing in line for the teller. Someone had an issue with their debit card.
The cause was a $96 hold from a gas station. The customer service rep then said that they recommend that customers choose the “credit” option rather than the “debit” option, if they’re offered it. (Apparently this person chose the “debit” option.)
From the consumer’s standpoint, it’s usually a better idea to choose the “credit” option — especially if they don’t need to use “debit” because they want cash back. Choosing “credit” doesn’t magically turn your debit card into a credit card, though. The money still comes out of your checking account fairly quickly.
Consider these:
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