Fast Cash Payday Loan – Means Of Finding Reasonable Offers

Fast cash payday loan attracts people because of convenience of access and simple processing. But, a fast cash payday loan or fast online payday loan can truly work for you only if you make efforts to find reasonable offers.

Fast cash payday loan is considered to be easy way of arranging cash in emergency situations. Like you may need to pay an urgent bill of amount higher than the cash you can actually spare. And failure might invite fine and damage to your credit score. Or you may need to buy something for your children that they urgently need at school.

However, in their eagerness to tide over such crises, most people simply prefer to see just the brighter side of payday advances – convenient & easy money. But this is not the case – at least not always and not for everyone. Most borrowers rush headlong into transactions and thus end up paying hefty sums by way of interest and late fees. They come to know about most of the conditions applicable to their case after they avail the credit. Such situations are not too difficult to avoid. With some effort on your part, you can actually get cash advance offers with relatively much lower interest rates and plausible repayment terms. Here’s how.

How To Find A Reasonable Offer?

First thing you must avoid while you think of opting for fast cash payday loan is desperation. Just don’t let your urgent need make you desperate for cash. Because being desperate never helps you in any kind of situation. It just gives people a chance to exploit you for you don’t think prudently when you act in desperation. With such a state of mind, you will most likely fall for the very first offer that is apparently attractive, but costs you dearly later. Still worse, you may end up in the hands of a fraudulent firm. Remember, you need money to overcome your crisis, not to worsen it.

When it comes to obtaining a payday advance at low interest rates, there really is no alternative but to obtain multiple quotes. This work becomes extremely convenient if you use Internet to accomplish it. Getting quotes from say 10 online companies takes you about couple of hours. This is not too big an effort for saving a good deal of money and avoiding undue inconvenience. Having obtained the quotes, you can easily compare the interest rates and other fees offered by different companies.

After you finish the above job, you will most likely have 3-4 companies offering interest rates & other charges at par. Before you enter into a contract with any one of these, it’s vital for you to verify the reputation of these firms. This can be done by either by contacting Better Business Bureau or inquiring from old customers of the company (lists are sometimes available on the websites).

Again just because you are in need, don’t hesitate to negotiate with the company you choose to deal with for lower interest rates. There is a good scope for bargaining in this matter. To achieve better results, you must also try to convince the company of your repaying capacity. If the company finds you less of a risk, they will definitely reduce the rates on your fast cash payday loan.

Fast Cash Payday Loan – Use The Facility Only For Your Truly Urgent Needs

Fast cash payday loan is a genuinely beneficial service when properly used for actual pressing needs. Use of fast payday loan or fast cash advance payday loan for trivial whims must be completely avoided.

Fast cash pay day loan services are availed by a large number of salaried people in the U.S. these days. This cash loan service appeals to the people because of lenient qualifying criteria. To be eligible for this service, you just need to be a legal U.S. citizen, 18 years old or above. In addition to this, you should have a (usually) 3-month old account capable of electronic transactions. And you should be earning approx. $1000 per month. As would be obvious from the perusal of these criteria, most people are able to fulfill them.

If you fulfill these criteria, processing of your application takes a day or so. This convenience, however, has led many people into the habit of obtaining fast cash loans and spending them unwisely on electronic items and other extravaganza. Using payday loans to fulfill your whims is simply akin to digging your own financial grave, so to speak. A large number of people have landed in terrible financial crunches owing to such acts. To avoid such situations, you must resolutely avoid the temptation of obtaining cash loans to fulfill your desires. Instead they must be used only for urgent requirements. Here’s a basic idea when to avail cash advance services and when to avoid them.

The Needs That Call For Availing Fast Cash Advance:

A payday loan may be used for payment of any kind of bills like medical bill or utility bill that can’t be deferred till your next paycheck arrives. Late payment of such bills invites penalties, which are usually equal to or greater than the interest charged by most lenders. You can also utilize fast cash services to meet an urgent repair work in your house like plumbing work that can’t wait till your payday. Using the amount to get your car repaired is also justifiable, as your work might suffer for want of a vehicle to commute. Urgent needs related to studies of your children or requirement of funds for making unavoidable journeys are also some of the occasions when you can opt for fast cash payday loan.

When To Avoid Advance Services:

Just avoid using the advance for buying the items that you don’t urgently need but only desire to own. Some examples of such items are electronic items (televisions, refrigerators, ovens etc.); clothes & shoes; toiletry (make up items, perfumes etc.); and furniture & decorative stuff for your house (beds, sofas, curtains, bed sheets, pillows). In almost all instances, purchasing such items can be deferred till the date of your next pay or better still till you have enough money to spare for them. Use of the money for unnecessary travel trips is also better avoided.

With little prudence and restraint on your part, you can use fast cash payday loan to beneficially overcome your financial crunch rather than to your detriment.

Internet Marketing Methods to Grow Your Home Improvement Business

Last month 22,200 people searched online for “Home Improvement contractors New York” and 33,100 people searched for “Contractors New York” indicating a strong demand for home improvement related services. The fact is another Contractor in your local area is ending up with this business. Most Contractors entered into the profession thinking that they would open up a business and the business would generate from word of mouth and referrals. This may be true for a select few Home Improvement businesses, but it is more likely that if you want to compete, you need to market your services.

Traditionally, Contractors are not marketers! But if you do what I recommend in this article, you can not only stay competitive, but you can also potentially blow away your competition. According to the Wall Street Journal, only 4% of Contractors market their business, and most are NOT doing it effectively. The key to Home Improvement marketing is to acquire, retain, and re-market. If you do all 3, you will have a steady stream (or even a flood) of leads coming into your Home Improvement business.

The best way to grow your Home Improvement business is by using Internet marketing. Forget TV ads, expensive Radio, or Newspaper advertising. We know very few Contractors for whom these marketing mediums have actually ever worked for. In fact, their lack of accountability, measurability, and limited geo targeting capabilities will leave you wondering where your investment went. You need to be where your prospects and clients are, which is online searching for the products and services they need.

Marketing Methods:

Conversion Focused Web Design

To effectively market on the internet, you need a conversion focused web site. What you DO NOT need is a website that collects dust. Think about it, just about every home improvement business has a website of some kind. Most are poorly conceived by graphic designers or stock templates, and were implemented with no strategy, no calls to action, and are basically just like brochures. A brochure is not going to cut it as we move forward into a more competitive marketing space on the internet. Most of your competition has a brochure, but to convert traffic into prospects and then into customers, you need a much stronger pull to get the prospect to want to do business with you.

An internet marketing consultant can help design and organize your site to move you beyond a simple brochure to a highly productive lead generation machine. Also, an effective web solution should put you in control of your site and content. Make sure your site is built with a Content Management System (CMS) that will allow you or your control staff to make simple edits without having to hire your designer at $100+/hr for each little web change needed.

Organic Search Marketing

Organic or Natural Search Marketing is similar in concept to Pay Per Click, but for organic search marketing results you do NOT have to pay per click. It is a much longer and slower process, but it is where 80% of your prospects are going to find you. Search Engine Optimization, or SEO, is a process by which your site is engineered to show up for certain keywords in the search engines. Organic search results can lead to a consistent stream of leads for your practice, but patience and time working on your site (and off of your site) is required to take advantage of this strategy. Make sure if you outsource your SEO work, you deal with someone who understands your business, will not spam the search engines, and is someone you can trust with your message and reputation. One wrong move here could leave you black listed by Google and the other major search engines.

A solid SEO strategy is rooted in delivering good quality keyword rich content to your site. Writing content for the web is a lot different than writing content for a brochure or off line marketing collateral. Make sure you work with an SEO team that understands the complexities of search engine optimization, can create a realistic plan, understands your business, and can measure the results.

Pay Per Click Marketing

Thousands of potential customers are searching online every day for Home Improvement contractors and related services in your local area. With the right message and a conversion focused Pay Per Click marketing campaign, you can get immediate leads and new clients into your practice. Pay Per Click marketing delivers ads in the search engines to prospects that are not only local to your business, but looking for exactly what you are offering at the exact time they want it! It is highly targeted, and a highly measurable marketing technique unlike anything else in existence.

The problem is Pay Per Click marketing, or PPC, is extremely competitive and you really need someone who knows what they are doing to make it successful. If you are going to invest in PPC, you need to make sure you track conversions (emails, phone calls, web forms, downloads, etc.). Without tracking this data, you will not know how effective the campaign really is. Also, PPC marketing needs to be constantly monitored and optimized every day to avoid stagnant and lack luster results. If you do this, you will not only compete in your market, you will dominate.

Landing Pages

Internet marketing for Home Improvement business is competitive, and if not done correctly, you can squander your marketing dollars pretty quickly. Developing a custom landing page is a technique to develop a small 1 or 2 page website focused around a very specific service (Plumbing, Roofing, Kitchen Remodeling, etc.), and developed around a strong call to action.

By utilizing a focused page to send targeted traffic to, you are properly aligning what someone is searching for in the search engines with the exact result they are expecting to see when they click on the pay per click ad or organic search result. Conversion rates can increase 100% or more using a landing page strategy. Landing pages tend to work best when used in conjunction with a Pay Per Click marketing campaign. When it comes down to it, effective marketing is all about doing it better than your competition. Landing pages, when used correctly, can dramatically accelerate your lead generation efforts and squeeze more out of your Pay Per Click budget.

Social Media

Social media sites are where your prospects and customers are spending a lot of their time. So how come most contractors are not utilizing this marketing strategy? It is most likely due to a lack of time and lack of knowledge on how to use Social Media to your advantage. Get on LinkedIn, Twitter, and Facebook, and at least start engaging with your prospects and customers. Post relevant articles and quick tips on troubleshooting your AC unit, or post excellent bathroom tips for remodeling and renovating your bathroom. You can realistically post whatever you want to talk about that helps present you as an expert. Social Media is all about engagement. Also, Social Media can help your organic search results, build your email marketing database, drive more traffic to your website, and help with reputation management.

Email Marketing

Email marketing is a great strategy to use for retention and re-marketing, and a way to present yourself as an industry expert. You need to stay in front of your existing customers and potential prospects every month. The average prospect needs 6-7 touches from a business before they actually do business with them. Mailing out letters is not the answer and it is very expensive. Email marketing is quick, measurable, and extremely effective. Keep your customers engaged and aware of all the services you have to offer and any new exciting breakthroughs in the field of home improvement.

When developing an email marketing strategy, you need to plan it out carefully and make sure every c
ampaign is created with a strong offer or call to action. Don’t be too pushy or overburden people by sending out more than one email campaign per month. Email marketing is a key piece to the internet marketing puzzle and can help maximize all of your marketing efforts.

If you are a Home Improvement contractor, I encourage you to implement all of these proven marketing strategies into your business today. The longer you wait, the more your competition will gain a larger share of the market (and their friends, family, co workers, etc.). All of these strategies need to be worked on and improved upon over time, so do not think that what worked today will always work tomorrow. Create a clear strategy to maximize your internet marketing investment and set realistic expectations. With the right plan and execution, internet marketing will not feel like you are taking a risk by spending your money on it, and hoping for something in return. Internet marketing is a tried and true investment that will deliver consistent returns for your business.

Bradley Eisner is a Certified Internet Marketing Consultant (IMC) with WSI and has a passion for helping Home Improvement professionals market their businesses more effectively using the internet.

When Are Home Improvement Loans Necessary?

Some homeowners find it necessary to apply for home improvement loans because they may lack the necessary budget or don’t have enough savings to finance their home improvement project. Even a secured personal loan may serve as a source of home improvement loans.

In the US, it is possible to get home improvement loans either for projects that you hired a contractor for, or for do-it-yourself projects. Some lenders stipulate that their company will be responsible for releasing the checks representing the amount to be paid to the home improvement supplies company or to the contractor. For do-it-yourself projects, the lender may send the check to the home improvement supplies company instead of giving you the money outright.

If you prefer getting a lump sum, you might apply for a home equity loan which means your home will be assessed by the lender for the amount of equity it presently has and the corresponding value of the loan you (and your home) qualify for. A home equity loan is advantageous because the payments are stretched out over a longer pay period. $50,000 loans to remodel your home fall under this category – meaning, you will be granted a loan of $50,000 if the lender believes your home has at least that much in home equity left in it. This is a good strategy to pursue if you want to make your home increase in value for the long term, because the loan allows you to make necessary repairs and upgrades of your home. In effect, you can command a better price for your home later on.

If you are trying to get a federal grant, you may want to examine the Title 1 loan offered by the Federal Housing Administration under the Home Mortgage Insurance Division of the Office of Housing of the HUD. Although the HUD does not itself offer home improvement loans, the Federal Housing Administration may help you find a lender who will lend to you (provided the lender is accredited with the HUD.)

Some cities in the US offer a city rehabilitation loan program to homeowners in the low-income wage bracket so that they can undertake home improvement necessary to keep their residence livable. These loans require repayment at low interest rates, though. Check with your city government regarding how long it takes to apply for the loan, and the particulars about how it works. You should also inquire about who gets approved for such loans and where to apply.

Regardless of what loan you get, you may have to get acquainted as well with the process of finding an approved contractor. Some contractors operate without accreditation, since not all homeowners are so particular about who they hire. The advantage with hiring an accredited contractor is that the contractor is required to adhere to certain standards in the way he runs his business, which gives you more peace of mind, knowing that you can always file a complaint against the contractor and his company if he doesn’t do the job right.

Home Remodeling and Renovation Tips for Homeowners

Maryland homeowners are undertaking renovations and remodels for several reasons in today’s real estate market. Many owners who purchased in the last 5 to 7 years have been forced to stay in their homes because they owe more than the present market value. They realize that since they will be staying in their home for a while, they might as well make improvements that they will enjoy. Others, who are considering a move, are improving their homes to make them more market ready when they decide to sell. Upgrading a home to the standard of the neighborhood is usually a wise choice for a value-conscious homeowner.

Return On Investment

Whatever the reason, making careful and thoughtful decisions about home improvement is the key to getting the most return on investment. Most improvements that are made do not bring the full return of the cost at the sale of the home, but some improvements bring a better return than others.

In conjunction with National Association of Realtors, Remodeling Magazine conducts an annual survey that is one of the most comprehensive and most cited on the subject of return on investment when it comes to home remodeling. The 2010 survey has just been published at costvsvalue.com.

The average payback on home improvement projects in the Washington Metropolitan Area, which includes a large part of Maryland, is 64%, with a low of 48% on a home office remodel, and a high of 147% on a steel entry door replacement.

The 5 top ROI projects are:

  • An attic bedroom at 90% ROI
  • A basement remodel at 84% ROI
  • Siding Replacement at 80.5% ROI
  • A wood deck addition at 79.8% (A composite deck has a 71.2% ROI)
  • Window Replacement (wood) at 78.4% ROI (Vinyl widows bring 76.4% ROI)

What gets the least ROI?

  • Office Remodel at 48% ROI
  • Sunroom Addition at 55% ROI
  • Backup power generator at 60% ROI
  • Bathroom addition at 62% ROI
  • Garage addition at 66% ROI

Renovations on Older Homes: Lead Paint

The median age of homes in the U.S. is 36 years old. In other words, half the homes in the country were built before 1974. The median home age in Maryland is 42, half of the homes in Maryland’s communities were built before 1968. Lead paint was not banned until 1978. Many of these older homes contain lead paint, which is a health hazard and requires special treatment. New environmental regulations took effect this year, requiring a contractor to have a certification by the EPA to perform work on homes with lead-based paint. The enforcement of the rule won’t start until October 1 of 2010, to give remodeling contractors time to get the certification.

The rule doesn’t apply to do-it-yourself homeowners, only to professionals. But homeowners who undertake renovations should become familiar with issues surrounding lead-based paint. The EPA publishes guidelines in “Renovate Right”, found on their website.

To find out if your home has lead based paint you can use a test kit found at your local hardware store. You can also hire a certified risk assessor or contractor to find out.

Greening Your Home

Once the testing is out of the way, the possibilities for renovation plans can be endless. Green renovations are just one of the considerations to think about. Green construction is getting much more positive press these days, from builders and from buyers. Green renovations could make your house more desirable to buyers in today’s market. In a recent survey by U.S. Green Building Council (USGBC) and McGraw-Hill Construction, the results show that interest in green-friendly renovations and building strategies are on the rise. Some of the findings:

Green building combines smart design and careful material selection to reduce energy and water consumption. One of the many resources for green design ideas is the U.S. Green Building Council. When planning green renovations, remember the Federal tax Credits for certain qualifying energy efficient renovations, but also remember that Maryland’s tax credits and grants for certain home renovations.

If the renovations you are planning are beyond your scope, hiring a reputable contractor is a wise choice. The cost is often well-spent when the results are professional. But how does one select a contractor who will do a great job for a reasonable price?

Tips from the Better Business Bureau

While the cost vs. payback factor is important in planning renovation projects, it’s not the only consideration. For homeowners who are renovating to be able to “age in place” or who need to care for an elderly family member, or remodel for a home office so they don’t have to commute, other issues may be more important than return on investment. For some projects, the satisfaction and quality of life while living in a house that you love is the main priority.

Gather bids from between 3 to 5 contractors.

Ask for specific information about work to be performed, materials to be used and start and completion dates.

Ask to see the contractor’s license and certificate of insurance.

Request references. Ask if the customer was satisfied and if the project was on-time and on-budget.

When you choose a contractor, don’t pay too much, too fast. You can expect to pay as much as 20% of the project cost to get started, then periodically throughout the project. Reserve the last 10% until the job is completed to your satisfaction.

Choosing the contractor is the most important step when planning a remodeling project. As with most cases, seeking a recommendation from other professionals is good advice. Family and friends are a good source as well. An architect would have a list of referral.

There are several websites that offer reviews and advice about local contractors. The National Association of the Remodeling Industry, The Better Business Bureau, AngiesList.com provides consumer ratings.Should you choose the lowest bidder? Remember the old adage, “You get what you pay for.”It may be worth paying more to make sure the job is done to your vision and satisfaction.

Remember to prepare for contingencies, additional items that may not have been foreseen. With a large job, these unanticipated issues are inevitable. They should be included as a separate line item on the bill. With older homes, they can add up to as much as 20% more.

If you are planning a large project, you’ll want to become familiar with the latest building practices. The NAHB has published Residential Construction Performance Guidelines, they have a consumer version on their website, builderbooks.com.

If a home renovation is on the agenda for your Maryland home, you may just end up with the home of your dreams after all.

Bathroom Remodeling – Your Project Management Options

Managing your own bathroom remodeling project

This is the story of a friend of mine who decided to handle the project management of her bathroom remodel all by herself. She is a teacher and is well organised. She also has more time to be at home than most of us so she was well placed to handle the project, or so she thought…

My friend got herself organised by deciding what she wanted in her new bathroom and drawing detailed plans on squared paper. When she had researched the fixtures, fittings and accessories that she wanted and found the lowest prices available she turned her mind to hiring contractors to do the job.

Remodeling tasks to be managed

My friend was able to identify all the tasks that would have to be done before her new bathroom was complete. Her list included some or all of the items below.

  • Ensuring compliance with any legal requirements.
  • Remove and dispose of bathroom fixtures.
  • Bathroom design and styling.
  • Building works including moving walls and widows etc.
  • Finishing off interior walls and drying.
  • Electrical installation.
  • Plumbing installation.
  • Fit new bathroom fixtures.
  • Tile and seal walls.
  • Floor covering.
  • Correct any problems.

That’s a long list and she knew that it was going to take a fair number of contractors to do it all. Before she could go looking for people she needed to work out what skills they would need. So she produced a list that looked similar to the one below.

Skills needed for bathroom remodel

  • Carpenter
  • Builder
  • Electrician
  • Glazier
  • Plasterer
  • Plumber
  • Floor covering specialist

She could see from this that she would have her work cut out for her just phoning around for a couple of days. She used the phone book and the Internet to look for suitable workers to do the job. Then she visited her local bathroom showrooms and asked the staff if they could recommend anyone. This strategy turned out to be the best way to find good people to do the job as often the staff had personal contact with the contractors. She also obtained a few leads from friends who had recently remodeled their bathrooms.

The project management begins

This is where the fun started. She had to arrange for contractors to turn up at the right time and make sure that the new fixtures and fittings were delivered on time to be available when the appropriate contractors were on site. With so many people involved she found that it was quite difficult to get everyone to fit in with her plan. Her desire to get the work done during the school holidays only made things worse.

Finally she managed to get everyone to agree on a plan, they all knew what they were doing and when they should be doing it. My friend thought that she had done a good job but that was just the start of the problems.

The problems had begun

The Fitters stripped out the old bathroom furniture on time but the delivery of the new fixtures was delayed. The workers turned up on time to fit the new stuff but they had to be sent away and asked to come back when the delivery turned up. This had a knock on effect with the remainder of the project plan for the bathroom remodel and threw my friends carefully laid out plan into disarray.

Project management is much harder than it seems

The delivery delay was just the start of the problems my friend had to solve. The wrong washbasin was delivered and it was too big to fit into the space allowed. The electric shower was faulty and it had to be replaced. The plumbing sprung a leak, which wasn’t noticed until the plumber was well gone.

The problems went on and on and what should have been a 2 week project turned into 3 months and it still wasn’t quite finished even then. My friend was at the end of her tether and swore that she would never ever do anything like that again.

Get someone else to manage your project

If you are just about to start remodeling a bathroom you will be happy to know that you don’t have to do it yourself, no matter how tempting you might think it is. You can hire a project manager to plan, coordinate and solve all the problems for you or you can do what I did and find someone who is capable of doing the entire job by themselves.

You will find a summary of your options in the article bathroomsremodeling.this-info.com/project-management-bathroom-remodel.php”>Project management – Bathroom Remodel

Effective Strategies For Hiring Bathroom Remodeling Contractors

It’s hard to find good help these days and I’ve heard that my whole life. I wonder if there will actually be a day where we can find good help and we won’t ever need to use that phrase ever again. I would like to offer my help as an experienced bathroom remodeling contractor to homeowners and give you a few tips and strategies for hiring good bathroom remodeling contractors.

1. Don’t ever higher the cheapest bathroom remodeling contractor. You should always get at least three bids for any remodeling project and that’s a must. If someone recommends a friend or another contractor to you, you should still get a couple more bids to make sure that you’re not going to be overcharged.

2. Compare each estimate and make sure that each remodeling contractor has enough information in their contracts so that you can actually compare each contract effectively. If there isn’t enough information in one contract, explain your situation to the contractor so that they can provide you with more information. This is going to be very important, especially if you’re planning on making a good decision on which contractor to hire.

3. Check to make sure that your bathroom remodel contractor is actually licensed if your state requires one. This is where you could get into big trouble, hiring a friend or someone else that isn’t licensed or doesn’t know what they’re doing. Be careful hiring unlicensed contractors, especially bathroom remodeling contractors.

4. Make sure that you get along with your bathroom remodeling contractor. If they rub you the wrong way or can’t answer some of your questions, you should think twice before hiring them. I can’t stress this enough and this is one of the most important things to me. If I can’t get along with someone, I can’t do business with them either.

5. Is your bathroom remodeling contractor and their workers qualified to remodel your bathroom? This seems to be a problem that’s getting bigger and bigger. Just because you’re contractor has 40 years of experience, doesn’t mean that his workers will also. These are simple questions that can save you a lot of money and I suggest that you take advantage of them.

Finding a good bathroom remodeling contractor isn’t as hard as you think. Good luck and I hope this article helps.

The Survival of the Family Dental Practice

The family dental practice is not what it used to be. At one time, being a dentist was a sure fire ticket to financial security, but not anymore. At one time you very rarely saw a dentist’s name on a bankruptcy list and now it is a common sight. What happened to the family dental practice to bring about this change in financial status? To understand this dilemma you have to understand what is happening in the dental community. Here are some of the contributing factors to the high bankruptcy rate among dentists:

  1. The shrinking dental caries (cavities) rate. With better dental health awareness and preventive practices, fluoride in water, dental health education at a younger age and better diets the caries rate is shrinking. As well, more people today have dental insurance through their employees or private health plans, so they get regular check ups which helps prevent caries from starting. This shrinking caries rate can also mean there is a shrinking income for the dental practice.
  2. More competition. With more dentists graduating from dental school and fewer dentists being able to retire (due to their high debt load as well), this creates a glut in the dental market. The US Census reports there were 116,000 dentists practicing in 1970; by 1996 (the latest year statistics are available) that number rose to 196,000. This historical data would suggest that currently (2011) there are double the number of dentists practicing in the US as there were in 1970. Since population rates did not double during the same time frame (Population: 203,392,031 in 1970, and 310,759,842 today) the over supply of dentists is evident.
  3. Lack of Business Practices. While dentists today get adequate training on dental procedures they are woefully under-trained on how to run a business. Most dental students come out of dental school with student loans that can amount to $80,000.00 per year of school. They begin work in a dental practice as an associate, open a new practice or buy an existing practice. However they start work in dentistry, most graduates are starting their careers with close to, or more than one million dollars in debt. The debt, added to the lack of business training and marketing knowledge creates the ‘perfect storm’ for potential bankruptcy.
  4. Marketing Plans. Ask almost any dentist to share their marketing plan with you and they will probably show you their advertisement in the yellow pages and their website. Unfortunately this is NOT a marketing strategy. It is ONLY advertising. Marketing must include customer follow up, community involvement, networking, online promotion and numerous other tactics to maintain and grow business.

What Can the Family Dental Practice do to Ensure Their Success Both Now and in the Future?

  1. Basic Business Practices. First and foremost a dental practice owner must remember that their practice is a business and should be treated as such. Profitable business requires a business plan, a marketing plan, a financial plan, a sales strategy and an exit plan. All of these are to be formulated and written by a business professional.
  2. Use of a Mentor. Never under estimate the value of a business coach. Bill Gates once said “The reason I am a success is that I surround myself with people who know more than I do”. Your mentor may be another dentist, or it may be a successful entrepreneur or business owner who is not in the dental industry. A good mentor shares what they have learned and acts as a guide. How to find a mentor? Local business associations are a great place to start (Chamber of Commerce, etc).
  3. Network, Network, Network. This includes getting involved in the local business community organizations, volunteering on non-profit boards and participating in community events. It also means getting to know the other dentists in your community, as well as connecting with other health care providers who may refer clients to you – and you refer to them.
  4. Continuing education. Many of today’s treatment options were not taught in dental schools. This includes dental implants, bone grafting and the use of dental lasers. Becoming a “Jack of all Trades” does not mean you will have to place the implants yourself, it means that you will learn enough information to talk about the benefits and contraindications of implants and then point your patient in the right direction for treatment. Many dentists are now also offering cosmetic procedures such as Botox.
  5. Keep up with technology. Keeping up with technology does not mean you have to buy every new piece of capital equipment that comes on the market, but look around your office and ask yourself; do your chairs look outdated? Is your sterilization unit sharing space with your dental lab? Are you still using a dark room and hand dipping the x-rays? If so, then it is time to take advantage of what the newer technology has to offer both you and your patients.

Dentistry is in a state of continual change and it’s important for dental practitioners to stay abreast of those changes if they are to be successful.

Discounts Or Special Offers on Dental Implants: Marketing Vs Reality

Dental implants are now the standard of care for tooth replacement, improving the dental health of millions of people with missing teeth. Implants have also greatly affected dental economics with an increasing number of dental practices and companies offering their services and products. To gain market share, many dental practices advertise dental implants in the newspaper, with mailers, or on the internet, offering incentives to attract potential patients to their offices. Here are common advertisements:

  • “Implant for $1,095; Abutment & Crown for $950; We Guarantee Successful Placement!”
  • “Implants Starting at $995″
  • “Teeth-in-A-Day”
  • “One-Hour Dental Implants”
  • “No Pain, No Bleeding, No Sutures”
  • “Free implant with purchase of crown”

If these offers sound too good to be true, they usually are. Here is what you need to know before getting burned by misleading advertising.

Special discounted fees: “Implant for $1,095; Abutment & Crown for $950; We Guarantee Successful Placement!”

These are a very common advertising ploys. It does not tell you the whole story. An implant refers to the post placed in the bone. The abutment is the extension attached to the implant, supporting the crown. Such “special” fees do not correlate with the cost of labor and materials for a level of precision and quality that implant supported crowns require. Here is the typical range of costs for a surgeon and restorative dentist to replace a single missing tooth:

  • Implant placement related costs to the dentist: Dental Implant (reputable companies with well researched implants): $400 to $450 Healing abutment (a temporary extension that sits on the implant): $40 to $50 Surgical guide (a stent guiding accurate implant placement): $50 to $150 Drills (a series of drills in various diameters necessary to prepare the bone for implant placement): $50-$100.
  • Prosthetic (actual tooth) related costs to the dentist: Impression post (to take impression of implant): $40 to $50 Implant analog (an implant duplicate used for models): $25-$35 Permanent abutment (supports the crown), customized by a lab: $225 to $450, stock (non-customized) type: $100 to $150 Permanent abutment screw (holds abutment on implant): $50 to $65 Permanent Crown (made by a quality lab): $250 to $600.
  • And for teeth replacement in the upper front area (smile zone) add: Temporary Abutment (necessary for support of temporary crown): $125-$175 Temporary Crown (necessary for implants in the smile zone): $125-$175.
  • As you can see, these costs to the dentist automatically add up to $1,360 to $1,950 just for the cost of materials. This does not include the impression materials, accessory materials, and personnel and administrative costs. It is nearly impossible to offer such fees as $1,095 for an implant and $950 for a quality abutment and crown, and cover expenses for materials, labs, office, staff, marketing, and leave a marginal profit for the dentist. Here is the catch: Dentists may employ common cutting corner strategies to offer a low fee and still make a profit on this procedure.
  • Placing “no-frill” implants: Implants are titanium posts that are placed into the bone and act as root support for the abutment and crown. There are some generic implants on the market that may cost $95 to $150. The catch: Important characteristics such as titanium composition, machinery, surface type, design, and sterility of these “copy” implants are not well documented. They also have not undergone evidence-based testing or trials. There is little or no literature on their success and healing. Complications such as infections, fractures, non-bony healing, and bone loss may be at increased risk.
  • Use of stock (generic) abutments: The abutment is the extension that is attached to the implant and supports the crown. Stock abutments are manufactured by the implant companies and are available in several standard sizes. These are cheaper than the recommended custom abutments. The catch: Stock abutments do not provide the proper form and contour of a natural tooth. The cosmetic results are unpredictable, and hygiene may be difficult. Custom abutments have clear advantages and are recommended by every experienced prosthodontist, dentist, surgeon, and laboratory technician.
  • Re-using implant drills that are used to prepare the bone where the implant is placed. A drill’s sharpness, sequence, and surgical technique are crucial to achieving a stable implant with healthy bone and proper healing. To save money, some dentists reuse old drills that have become too dull. This can result in heat damage to the bone, poor healing, and implant failure.
  • Use of inexpensive lower quality labs: It is commonly accepted that work performed by the lab is just as crucial as the work by the surgeon and the restorative dentist for long-term success. Laboratory cost can be significant for quality prosthetic work, whether it’s a crown, bridge, veneer, or denture. Some labs offer special fees to the dentists for doing the work, like a “$95 monthly special” for the crown. Here is the catch: Quality laboratory work requires careful attention to details, communication with the dentist, precision fit, accurate margins, custom angulation and form of the abutment, and artistic porcelain work for a crown that looks good and functions well. All of this takes time and expertise, which is why a quality laboratory charges $225 to $350 just for the abutment and another $250 to $500 for the crown fabrication. The longevity and success of implant supported crowns depends on accurate and high quality work. Non-fitting components and poor quality materials will cause crowns or implants to fail.
  • Not using a surgical guide that is mandatory during placement of an implant for accurate positioning and angle. This requires custom impressions of a patient’s teeth. Next, study models are poured in stone and a guide is fabricated in the laboratory or by the restoring dentist or surgeon. Many do not do this because it takes extra time, materials, and lab fees. The catch: While it saves time and money, skipping this step frequently results in poor implant placement that can be too close to other teeth, tilted outward or inward, or set too deep. The result is an abnormal looking crown that may be difficult to clean, cause potential gum recession and bone loss, and increase the risk of implant failure.
  • Same dentist placing the implant and the crown: Sounds convenient and nice, but here is the catch: implant placement and fabrication of a crown are separate disciplines, and it is nearly impossible for any dentist to master both. It takes years of training and experience to place a dental implant. Similarly, in-depth knowledge and skills are required for the prosthetic part of the procedure. Implant dentistry is predictable, but not easy.

“Implants Starting at $995:”

This is the “a la carte” approach. Sounds cheap, but here is the catch: Frequently, every aspect of the treatment, component, materials, and services are itemized. This means you’ll probably pay for the consultation, every X-ray, every screw, every part, and every material used. And this does not include the crown or abutment. In addition, if something happens and an implant has to be replaced, you’ll end up paying for it again. Add this to the money-saving strategies discussed above and you’ll see how it’s offered at low cost.

“Teeth-in-a-Day:”

This has become a new craze, and yes, I believe it’s largely a marketing fad. Te
eth-in-A-Day means you have your teeth removed, implants placed, and receive crowns, bridges, or dentures all in one day. Here is the catch: While promising, the current science, knowledge, literature, research, and expertise are not sufficient to achieve predictable results in every individual. This approach may be successful, but only in a very few candidates who present with no infection around their teeth, have a great amount of bone, and all conditions are ideal. If conditions were this perfect, why would they need to have their teeth extracted to begin with? Many commercial “implant centers” do a hard sell to fit a patient into a treatment plan. Healthy natural teeth end up being extracted in order to place multiple implants and connect them with an immediate prosthesis on the same day! There are some evidence-based studies on this approach, but there are too many variables not yet thoroughly understood. While successful in some, use of this approach in poor candidates results in high rates of failure and implant loss.

“One-Hour Dental Implants:”

This is a frequent advertisement and it means absolutely nothing. Every patient is different with varying needs, different complexities, and treatment approaches. Even in the most ideal conditions, a procedure can take 15 minutes to several hours based on the treatment, which can and should vary from patient to patient.

“No Pain, No Bleeding, No Sutures:”

Yes, this is possible, but a few things need to occur. First, there is always some discomfort with an implant placement, although mild in most cases. A surgery without bleeding or sutures means that a dental implant was placed without an incision and gum tissue flap. This is absolutely possible. But here’s the catch: The team must use a CT-scan for a 3-D work-up, and fabrication of a special guide to aid the surgeon for precise implant positioning. I have used this technique many times with great success. It does add to the cost, though, often by as much as $750 to $1,000. It is well worth the extra cost if there are multiple implants, compromised bone anatomy, and a need for great accuracy in difficult cases. To have no bleeding or suture, without the use of this technology, requires a “blind” implant placement that is difficult and challenging, even in the hands of the most skillful surgeons. Even if there is bleeding, it usually stops in a few hours and sutures fall out in few days. I don’t recommend compromising implant positioning and accuracy to avoid slight bleeding and sutures.

“Free Implant (with Purchase of Crown):”

This offer suggests that patients get a free dental implant when they pay for their crown. The “free” offer is a common marketing tactic designed to hook a consumer into trying a product. This may be all right for marketing a new facial moisturizer, but not for dental implants. Here’s the catch: First it implies that implant placement and the crown are being done by a single ‘super-dentist,’ and as already discussed it is practically impossible for one person to have mastered both disciplines. Also, it suggests the possible use of no-frills implants and itemizing all other aspects of treatment to make up for the ‘free’ implant cost. This means you’ll pay for every X-Ray, part, piece, visit, replacements, etc. In most instances, you will end up paying more for the ‘free’ implant.

The reality is that implants work. While it’s a highly successful and predictable procedure, it’s not simple, requiring the skills of a trained specialist and restorative dentist working as a team. Implants have a more than 98%t success rate when performed by the right team of dentists that use quality implants, customized components, and reputable labs. This saves patients money by preventing complications and re-dos, and improved longevity.

The old rule “If it’s too good to be true, it probably is” applies to dentistry too. When looking for tooth replacement options, do not fall victim to misleading marketing tactics. Do your research, ask the right questions, and know what you are getting. It’s a lifetime investment and shouldn’t be taken lightly.

The Three Teeth Whitening Techniques

A great smile can prove to be a valuable asset, particularly when you first meet someone. However, people who have brown or yellow stained teeth are very conscious of this shortcoming. It may also cause social insecurity. One of the best treatment methods available to gain back that white perfect smile is teeth whitening. The basic methodology of teeth whitening is that it reverses the process of discoloration of teeth, bleaching them to reveal the white enamel again.

Teeth generally darken over a period of time. This may be due to consumption of caffeine-containing drinks (like tea, coffee and cola) or tobacco products. Also, excessive fluoride production and use of antibiotic medication can also lead to teeth discoloration. However, the biggest factor contributing to the loss of whiteness is age. Teeth whitening, to counter the process of discoloration, is one of the safest and the most popular procedure in cosmetic dentistry. Studies indicate that almost 96% of the people who undergo this treatment experience visible benefits.

There are three options available to those considering this procedure – you can either undergo professional bleaching, try home bleaching or use whitening toothpastes. Of the three listed, the quickest and the most effective is professional bleaching. It is also referred to as In-Office or Chair-side bleaching. It usually requires two or more visits to a dentist. However, the effects are much long lasting than any other procedure. The dentist will apply a bleaching agent to your teeth. The gums, however, are not harmed. The most common mouth guard is a gel or rubber shield. After the dentist has carefully applied the bleaching agent to your teeth, he might want to use additional heat or light procedures to make the agent work faster. A usual treatment sitting might last from 30 minutes to an hour.

The second option that is available to you is that of home bleaching. You can buy a kit from any certified pharmacist or dentist. This kit would usually contain a hydrogen peroxide based bleaching gel or solution. This is meant to be applied to the tooth enamel. As a rule, a mouth guard is also included in the kit. You are supposed to place the solution or gel in the mouth guard and then follow the directions given with the equipment. The frequency of use and the duration of treatment for home bleaching vary. Overnight treatments work for a much shorter period. However, if you are, say, required to use the kit twice a day, the treatment might be effective for a longer period of time.

Whitening toothpastes work in a different way from bleaching techniques because they do not aim towards a permanent alteration of teeth color. They usually contain polishing agents. They work to remove some of the deeper stains, which a regular toothpaste might not effectively dislodge. You should always consult your dentist before going forth with any of these procedures – he is the best person to guide you and can advise you on the most effective treatment plan suited to your needs.

Copyright © Jared Winston, 2006. All Rights Reserved.