Debt Declaration – Bad Credit Help & advice, Debt Settlement Tips

Tips for Taking Care of Your Baby on Your Dental Health Insurance Plan

September 23, 2012 by · Leave a Comment 

Your baby might not be ready for orthodontic insurance yet, but that doesn’t mean that he or she is too young to learn good oral care. Here are some oral care tips for babies.

  • Parents ought to wipe the gums of their newborn using a damp, clean cloth following every feeding. This is going to control plaque accumulation and establish the ritual for the child’s daily routine.
  • Parents ought to start brushing the teeth of their child when they starting coming in. they should only use toothpaste that is fluoride and that’s the size of a pea.   It’s also a good idea to start flossing when there are two teeth touching.
  • Parents ought to take their child when they go to the dentist. This is going to help with reducing the anxiety of the child to the chair in the dentist office.  the child is also going to be able to become accustomed to the smells, sounds, and staff in the office before they go for the first time.
  • A child should go to their first dentist appointment at most 6 months following their first tooth coming through. If there are no teeth by the time the child turns one, they should be taken before their first birthday.
  • Parents shouldn’t give a sleeping or unattended child a bottle of juice or milk.  Rather, give the child a bottle of water. This is going to help with preventing tooth decay because of the baby bottle.

If you need a dental health insurance plan, you will want to look for the best dental insurance.

Life after a bankruptcy

September 18, 2012 by · Leave a Comment 

In order to get relief from debt, you need to file a bankruptcy case with the courts. Those persons who are seeking a discharge of personal debt, it is a Chapter 7 filing and for those who are seeking court approved repayment plan, it is a Chapter 13 Bankruptcy Code filing. As soon as you file a case, an “automatic stay” goes into effect preventing creditors from further actions against you without court approval. Therefore, filing bankruptcy brings overnight relief to a person.

In a Chapter 7 filing, all non-exempt assets go to a court appointed trustee who may sell assets to use proceeds to repay your debt. The exempt assets include your home, vehicles, bank accounts, and retirement plans. So, you don’t have to panic about court appointed trustee for exempt assets. For someone who has significant non-exempt assets, filing a Chapter 13 for restructuring may be beneficial. In a Chapter 13 filing some debt such as taxes, back child support must be paid in full. However, for other debt, it would be a percentage of the total that will be paid back and some may be not paid back at all. An example is interest on credit card debt that goes to zero.