What is an Infant Compromise?

The N.Y.S. Unified Court System, in its on-line Glossary of Legal Terms (courts.state.ny.us/lawlibraries/glossary.shtml#) has the following definition:

Infant’s compromise: a civil proceeding or motion for obtaining court approval of the settlement of an infant’s claim a civil proceeding or motion for obtaining court approval of the settlement of an infant’s claim.

Legally, an “infant” is a person under age eighteen. In New York State, an infant’s case can not be settled without the approval of a judge, not even if the parent wants to accept the settlement. This situation typically arises when the infant has a claim or lawsuit for personal injury arising out of an accident. The reason is simple: to protect the infant and tie up his or her money at least until the age of eighteen.

New York State’s Civil Practice Law and Rules provides at Sections 1206 and 1207 for the authority of the Court in these matters. A judge plays several roles. First, the settlement can be refused, if for some reason the judge feels that it is inadequate, in other words, not enough money. Second and equally important, the judge can direct where the money is held or invested for the infant. Usually, the attorney recommends a proposed course of action for the investment.

The judge also approves the attorney’s fee. If the judge feels that the attorney is seeking too large a fee for too little work, then the lawyer’s fee may be reduced.

If the sum of money involved is not large, and the infant is not suffering from any kind of mental disability that would prevent him or her from managing the money at age eighteen, the money is usually ordered to be deposited into a bank account and held jointly with the bank, for the ultimate benefit of and use by the infant. Large settlement amounts or infants who may be receiving government benefits (such as Medicaid or SSI) present a special challenge.

In those circumstances, special trusts, designed to give the child some use of the money while preserving government benefits, may be in order. Sometimes the lawyer may call on a consultant to devise a “structured settlement.” A structured settlement is designed to invest the infant’s money profitably, while ensuring that the money is paid out over time, and not all available to the infant at age eighteen. Structured settlements can span years, with payments made monthly or quarterly, and with larger payments timed to coincide with anticipated college tuition or the purchase of a home, or anything that the infant, parents and attorney can anticipate.

Under certain rare, emergency circumstances an infant’s money can be withdrawn early – before the eighteenth birthday. But this requires a judge to approve the request, and judges are careful to ensure that the money is not being used for the family’s regular living expenses.

Some terminology:

An infant or infant’s “compromise order” is the paper signed by a judge approving the settlement of the infant’s claim, authorizing payment to the attorney, and empowering the infant’s parent to sign a release settling the claim.

An infant or infant’s “compromise hearing” is the courthouse meeting where the judge considers the settlement. Present are the judge, attorney, parent and infant. Typically, the judge makes sure that the terms of the settlement are fair and understood by the parent and, if he or she is old enough, by the child. Also, that they know that the case or claim is being settled and disposed of forever; there is no going back for more money, at any time. The judge may also ask the infant some questions about his or her physical condition, to try to see if any injuries have healed, or look at any scars that the infant may have suffered, as part of the process of evaluating the fairness of the proposed settlement.

Protect Your Eye-Wear With Glasses Insurance

Insurance is available for many reasons. Some require cover to protect their home while others need insurance to tend to their medical needs. One perhaps less known variety of policy is that of glasses insurance. This type of cover will protect not only the frames but the lenses as well. Here are some great reasons to obtain an eyeglass insurance policy from your insurance provider.

Expensive Eyeglasses Require an Inclusive Insurance Policy

You will often find that eyeglasses are unlike any other accessory which you own as they are pricey and necessary. When you want to protect your eyeglass investment, the best way to do it is via an inclusive insurance policy. Insurers have found that eyeglass insurance policies are high in demand these days and usually have at least one good insurance policy per company which covers eyeglasses. By obtaining an eyeglass policy you can feel safe and relaxed knowing that you won’t have to pay for expensive eyeglasses should they be lost, stolen or break.

The Benefits of Glasses Insurance Outweigh the Cost

Some may hesitate purchasing an eyeglass insurance policy stating that they don’t want to pay the monthly or annual premium. However, when you consider how much your eyeglasses cost to purchase and how much you will have to spend should they break or get lost in the shuffle, you are certain to see that the benefits of this type of insurance outweigh the small cost of eyeglass protective policies.

Different Levels of Glasses Insurance

When you search for eyeglass insurance you will find that there is plenty to choose from in a policy. This opens up the opportunity for you to find a good policy for your needs and one which won’t cost a fortune.

Eyeglass insurance provides a way for eyeglass wearers to protect their vision aid and do so in a cost efficient manner.

Here's Why Small Businesses Should Tap Bookkeeping Services

Entrepreneurs know the value of proper bookkeeping but with so much on their plates, it is impossible to be a one man team who runs the business, take care of minor details, or possibly tracking the money going in or out. Owners of small businesses who need a bookkeeping service can either hire an in-house bookkeeper or outsource the work to a bookkeeping service company.

The way we do business has changed with the availability of technology. Bookkeeping services help businesses with their backend needs such as properly monitoring accounts payable, accounts receivable, expenses, profits or losses, among other contractual accounting concerns of your business. A bookkeeping service can do all this without having to be physically present in your office. Here are some top benefits of outsourcing your bookkeeping needs:

No Headaches, More Time

Doing all the bookkeeping by yourself or in-house will actually be time that is not sent wisely. The time you will devote for such tasks can be sent thinking about marketing your business, crafting new products, improving processes, among others. When you hire a bookkeeping service, you can spend more time thinking about how you can improve your brand, achieve your goals, or disrupt the industry and influence meaningful changes.

Cost Effective

If you will hire an in-house employee to do all the booking tasks for you, then be ready to pay more. Do not forget to include in the equation benefits to pay, payroll taxes, retirement plans, sick leaves, medical insurance, among others that you are required to do by law for your employee.

When you hire bookkeeping services you can hire them on a per task basis or pay them hourly, weekly, or monthly depending on your needs and agreement with them. Everything will actually depend on your needs, the size of your company, and the amount of work that needs to be done.

Experts Doing What They Know Best

Bookkeepers will do bookkeeping best. Not that you are bad in numbers but let us just say that it is best to leave these things to the experts. Bookkeeping services have teams and teams of accountants and bookkeepers that know what they should do even when they are half asleep. The highly-skilled bookkeepers will be there to handle all your questions and concerns. What's best is that they will not scratch their heads but provide answers and solutions that can help you run your business better.

Bookkeeper vs. A Team of Bookkeepers

When you outsource your bookkeeping needs, you are actually tapping a good pool of talents that can help each other to serve your brand. What's great about this is that it will not cost you as much when you hire an equivalent number of accountants or bookkeepers to work in your office.

Scalability is also a non-issue when you outsource your bookkeeping needs. As your business grows and as your needs diversify, a bookkeeping company can easily adjust to them as they already have the manpower and systems to do so.

Quality Work

Numbers is everything for bookkeeping services. They live by the numbers and quality checks are in place to make sure errors are avoided at all cost. Remember that a bookkeeping errors can cause major headaches for business owners and you want to avoid that by forming a good relationship with a bookkeeping service with the best people to do the job and the best technologies and systems to make sure everything is as accurate as possible .

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Are Prescription Glasses Covered by Insurance?

Many people wonder if the cost of their prescription glasses is covered by their insurance plan. The answer is that it varies tremendously from plan to plan. Before you pay out of your own pocket for prescription glasses, take a look at your plan to determine whether or not you have vision coverage.

What Most Insurance Plans Cover

Most medical insurance plans cover losses of vision and finances due to eye injury or disease. In other words, if your eye is damaged in a car accident and you require the services of an eye doctor, it will be covered. Most medical insurance plans do not cover typical “wellness” care for your eyes, such as prescription glasses and routine eye exams, unless the plan has a vision insurance policy attached to it.

Adding Vision Insurance

If you are part of a group insurance plan, you may have the option to add vision insurance to your policy. This is usually considered a value-added benefit that is attached to a traditional health insurance structure. Whether you have indemnity health insurance, an HMO, or a PPO, you may have the opportunity to add vision insurance. By adding this coverage, you will be able to access a network of eye care providers and specialists, as well as coverage and discounts on your routine eye care. This usually includes the cost of prescription glasses.

Paying for Vision Insurance

Adding a vision benefits package to your health insurance adds an annual premium amount. You may also have a deductible that you have to meet before the insurance will cover your eye care. Typically, the premium will be an amount up to $144 a year, and the maximum deductible is typically under $40. Each plan is different, so be sure to read the fine print, but you will pay more for this coverage if you pay for your own health insurance. Some companies provide this as part of their overall healthcare benefits, so read your policy to see if you are covered.

In general, those with vision insurance will receive:

– A yearly eye exam

– Eyeglass lenses and frames

– Contacts

– LASIK discounts

Some providers will put limits on their coverage, such as only allowing the insured to get new glasses or contacts every other year. They also may put a limit on the amount they will pay for frames, which means you will pay a little out of your pocket if you want designer frames.

Tips for Using Vision Insurance

Before you schedule an appointment, check with your benefits information packet to see what doctors are covered. Remember, you will need to use a doctor in your network if you want to be covered. If you need to see a doctor who is not in your network, you may still be able to have your prescription glasses covered by filling your prescription elsewhere, but you will have to pay out of pocket for your exam.

When it is time for your eye exam, make sure you talk to your optometrist about your insurance. Most policies require the doctor to seek pre-authorization before they treat you if you are going to be covered. If this is necessary, have the doctor make the necessary calls before your appointment.

When you arrive for your appointment, present your vision insurance card. You will be asked to pay any deductibles or co-pays associated with the coverage you have. After your exam, the doctor or his staff will help you choose frames. If you have limits on the amount you can spend for frames, make sure you are looking at covered options.

If you are lucky enough to have prescription glasses coverage, make sure you take advantage of it as often as you are allowed. This will ensure that you have updated glasses as often as you need them, helping you see the world around you clearly.

Freedom Equity Group Review – Should You Join?

So if you’re reading this Freedom Equity Group Review, chances are you’re thinking about becoming a member and you’re doing some research online. If that’s the case, look no further. In this third party article, I’ll give you all the essential details you need before joining. Now real quick… I do want to disclose that I am NOT a Freedom Equity Group member nor am I affiliated with them in any way. In fact, it really doesn’t matter to me one way or another if you decide to join or not. This is important for you because you know at least you’ll be getting an unbiased perspective of the company. With that said, let’s get started…

First things first, let’s talk about the company itself. In my opinion, having great products and a lucrative compensation plan comes second to having a solid company with a stable infrastructure that can handle future growth. The company was started in 2002 so it’s not a start-up company which is good if you’re looking for a company that’s a little more stable. The management team is very experienced and their field leaders seem to be very professional. The company is based out of California and is partnered with some very reputable companies like Fidelity & Guaranty and National Western Life. My suggestion is if you’re dead serious about joining and building a long-term business with them, take the time to visit their corporate office in Arroyo Grande. Sure you might be coming out-of-pocket for travel expenses, but if you’re doing real due diligence it just makes sense to meet with people at the home office. Of course, if your goal is just to make a couple of bucks here and there, then you probably don’t have to take the time to visit the home office. But if you’re looking to build a long-term business that you can earn 6-figures (or multiple 6-figures) a year with, then it’s worth it. Speaking from experience, I wish I had done this before joining some companies. It would have saved me a lot of time and frustration.

Freedom Equity Group’s main product is Index Universal Life Insurance, or IUL. It’s a form of permanent coverage, unlike Term Insurance which is coverage for only a set period of time. In addition to life insurance, IUL also provides a savings vehicle whereby you can accumulate and grow your money tax-free. And if that wasn’t enough, the policies they sell also provide Living Benefits, which allows you to use your coverage without dying. Everyone needs to be educated about these essential financial services so you’ll have a huge market to promote your product to should you decide to join.

As far as the compensation plan goes, it’s pretty straight forward. Based on the earned position you have, you’ll earn up to 93% of the annual premium of all your personal clients. For example, if you have a client that pays $250/month, you’ll earn a percentage of the annual premium which is $3,000 in this example. Let’s say you’re a District Manager (which is the third position in the compensation plan), you’ll earn 50% of the annual premium which would be $1,500. Not bad at all for one client. Keep in mind that you’ll most likely get 75% of your commission up front and 25% of it later. And you’ll get paid after the client is approved which may take 30-90 days depending on the underwriting process. That said, you’re still earning a very healthy commission while providing essential financial services to people who need help.

If you decide to build and grow a team, you could also earn up to 63% overrides on sales made by reps in your team. Sound good? That’s because it is… you can earn hundreds (and even thousands) of dollars when someone on your team completes a sale. The “drawback” (for lack of better term since it may not be a drawback at all depending on how you’re looking at it) is that you need to recruit about 10 people to get 3 or 4 licensed, and about 1 of those will be active and producing. Of course, if you find a way to recruit licensed reps that are joining with a license already, then you could probably beat those numbers.

In addition to personal and override commissions, you’ll also earn renewal income, Generational Overrides if you build other leaders and you could also qualify to make money on the whole company via Bonus Pools you could participate in. Overall there certainly is a lot of money you could make if you build your business a certain way and you’re OK with how life insurance companies pay commissions.

So is Freedom Equity Group a good company. The short answer is YES. The company has been around and the management team is solid. Should you join? Only you could answer that. If you’re looking for a more professional service to market and you like the idea of sitting down with people and helping them solve their financial problems, then FEG might be the company for you.

Here are my three suggestions before you join. One, take the time to study the company’s system for building the business so you’re in alignment with the company’s culture. For example, if the company’s entire culture revolves around home appointments, and you want to incorporate online webinars and conference calls, then there might be a clash. Two, find a sponsor and team that has a system you could leverage to build your business. For example, ask to see the document or training they have in place to get unlicensed people licensed. Do they even have a system? Or do they just leave the brand new rep to get licensed on their own? And last but certainly not least, I recommend using Attraction Marketing to generate a consistent flow of quality leads. Sure you could tap into your warm market, but just imagine how big your team can get if you had 20+ targeted leads hitting your inbox each and every day. If you could apply these three things, there’s no telling how prosperous your FEG business can be.

Why Transforming IAM To CIAM Is An Asymptotic Fantasy

It has been more than half a decade since people are trying to understand the concepts of IAM and cIAM. There is very less awareness about identity management and it may be difficult to understand the difference between eIAM (enterprise identity and access management) and cIAM (customer identity and access management). It has been quite a long time since people are trying to clear the difference between eIAM and cIAM but all efforts seemed worthless. So, let’s make things clearer and let’s be on the same grounds. The writing on the wall is bold and clear.

“It is difficult to transform eIAM to cIAM”

Do you want to know why? There are some facts which I’m going to display but before that let’s brush up some identity management concepts.

Identity: Defined

Anything which helps to identify yourself in a physical world can be termed as identity. Generally, government ID cards are used for fulfilling the purpose. Thus, an identity card is issued for the purpose of allowing some privileged access to a rightful person and it can be used in various segments of society.

Digital identity: Defined

Digital identity is your online recognition. It helps to identify yourself as a person in real world. A person may have multiple digital identities according to his or her needs. But, digital identities are only entertained for a particular website or a network which means that a Gmail email address can only be recognized in Google network. Hence, a digital identity (an individual) gets approval to access the website. That is how a website performs the authentication process.

Access: Defined

When you get inside a premises to utilize its resources, it is called gaining access. Moreover, the sensitivity of data decides the degree of permission provided. So, public data are is easy to access such as data on websites while private messages such as emails need special authorization (which is called login). A successful login is the proof for the validation of a person.

Introduction to enterprise identity and access management

Enterprise Identity access and management is a technology which is used in organization for internal employees, contractors, and partners. The process consists of providing identities, authenticating identities and then providing them access to resources. As the name implies, the technology is concentrated to internal employees and other members related to an organization. The technology focuses on the security aspects in an organization such as restricting resources to in-house employees, providing access to employees and other members according to their profile and helping them to collaborate to work with each other. Hence, enterprise IAM promotes security in an organization.

Introduction to customer identity and access management

Customer Identity Management basically concentrates on end-users. They are meant for consumers which is totally built on different architecture i.e. consumer focused. Many other aspects are added to cIAM to make it capable of handling real-time challenges. It follows the perfect balance between meeting needs of consumers and perspectives of a business. Let’s discuss these perspectives in brief to get more insight about cIAM.

Customer perspective

Customer always prefer a user friendly environment and cIAM offers a great user friendly atmosphere resulting into a good customer experience. Many services like single-sign on, social login, and secured environment in terms of handling their personal information earn confidence of consumers. Further, the technology is device and geographically independent. It is highly responsive and available. These features make cIAM easily acceptable as no business can survive for a long time without this factors. Hence, it generates up in bad customer experience and ends in revenue loss.

Thus, cIAM fulfills the need of businesses to adopt a customer centric approach. Transaction and service is treated equally with the quality of product. Hence, cIAM is more than just a database of customers. It is truly strengthens bonds with customers.

Business aspect

When it comes to business, cIAM remains an undisputed champion. Other than getting customer’s information from cIAM, it increases the probability of providing customers an unified customer experience. Personalized attention to customers and fostering brand-customer relationship are some of the advantages of cIAM. Moreover, CRM technologies, segmentation and CMS get an upper hand while working collaboratively with cIAM technologies.

Know the difference

To be a cIAM, for an enterprise IAM is almost impossible. And these are some presentable factors.

  • An enterprise identity management solution was created to manage comparatively lesser identities with respect to cIAM. An enterprise IAM can only manage some thousand identities. But, with cIAM, the number can reach up to billions.

  • The user experience of your users gets defined in an enterprise IAM through the level of access provided to users. In other words, permissions provided to user determine the ease of their online experience. cIAM promotes user experience on the basis of personalized data received as inputs through customers. Users voluntarily provide information by registering themselves on your website. Moreover, users take help from various touch points for logging into your website.

  • An enterprise IAM needs to concentrate on its security aspects while tweaking its performance. An enterprise IAM does not see service and transaction as important factors for business. cIAM entirely supports a customer centric environment which is beneficial to business. Self management services in cIAM like password recovery and other account related options are best examples of customer centric approach of cIAM. Unfortunately, enterprise IAM does not come with these facilities.

  • Enterprise IAMs are designed for internal organizational activities and does do not support cross channel interaction or cross device implementation. It means that customers cannot interact with your business through multiple channels (social media) or using different types of devices. Supporting cross device and cross channel interaction is one of the USPs of customer identity management solution.

Hence, there ARE issues with the transformation of eIAM to cIAM. It is almost impossible to redesign an entire architecture and eIAM do lack some of the key features of cIAM. Moreover, an eIAM design is not meant for fostering relationships with customers. So, transforming an eIAM to cIAM is an asymptotic fantasy.

Lactose Intolerance

Those individuals who are diagnosed with being lactose intolerant will find they have a deficiency that began by the time they were in their toddler stages. This is one of those circumstances where the health insurance provider at a later stage will classify lactose intolerance as a pre-existing condition even when the individual involved has no reason to suspect. In the world of medicine, this is considered to be a primary lactose deficiency and does remain dormant until the late teenage years or young adulthood.

An interesting factor to consider is that lactose intolerance can occur at any age due to a major injury to the small intestines such as perpetual diarrhea, celiac disease, and quite possibly chemotherapy. There is also a genetic link to lactose intolerance that researchers have discovered in recent years.

The average monthly cost for health insurance to carry an insurance policy will not cost you more because of the pre-existing condition, but may cause you to wait up to eighteen months before the insurance provider will authorize the shared payment according to the terms of your particular insurance policy. A few of the more common symptoms include the following.

1. Abdominal upset and bloating

2. Build up of cramping and gas

3. Diarrhea and possibly nausea

What the main cause of lactose intolerance remains to be is uncertain, but all concerned in the medical health care community agree that this is triggered by the intake of dairy products, milk in particular. This can also be caused by the many processed foods that include milk and milk products. However, you need to ask yourself if it is the milk that is the direct cause or is it a by produce of something else. This is a concern throughout the universal health care community around the world.

There are many within the medical health community that are concerned by the over inoculation of all bovine that is being passed through the milk. Society is so deathly afraid of the different diseases of the past that began with cows milk that they perpetually over inoculate the bovine to keep any disease from being passed on through human consumption.

Individuals who are diagnosed with lactose intolerance will need to pay closer attention to their dietary consumption. In regards to women’s health, the intake of vitamin-D in other variations will be an important additive to the daily diet, which can be absorbed into the blood stream by a tablet with high concentrations of vitamin-D.

Do I Need a Permanent or Temporary Retainer?

Have you had a friend receive a temporary retainer to maintain the correct spacing of her teeth, but a permanent retainer has been recommended for you? We are going to explain the difference between the two.

You know doubt want to celebrate the day your braces are removed. But just because your braces are coming off, that doesn’t mean your orthodontic care is over. Once your braces are removed, you’ll need to wear some type of retainer to ensure that your teeth don’t drift from their new locations. But which type of retainer is right for you, a temporary or permanent one?

Let’s talk about what each is, and highlight benefits and drawbacks of each.

Temporary Retainer

You’re probably most familiar with the idea of a temporary retainer. The most common type of retainer is known as a Hawley retainer. It is made of wire and clasps in a thick plastic body. It covers the roof of the mouth and then lies along the tongue side of the lower teeth.

There is also an option called an Essix retainer that looks very similar to Invisalign aligners. Rather than being switched out every two weeks, this retainer will be worn for an extended period of time to maintain the positions gained by braces or Invisalign treatment.

A Hawley retainer will be noticeable, while an Essix retainer will be virtually unnoticeable by others. Essix retainers are fragile and cannot be adjusted, and can slightly interfere with speech. On the other hand, a Hawley retainer can be adjusted to take into account additional tooth movement, and they are less likely to break and need replacing. However, they can take some getting used to and will interfere with speech in the beginning of wear.

The biggest advantage of a removable retainer is that it can be removed. That means you can take it out when eating and brushing and flossing your teeth. However, because it can be removed, that also means it’s easy to lose. Orthodontists frequently hear stories of patients taking it out while eating lunch, then forgetting about it and accidentally throwing it away. Removable retainers require patients to pay close attention to them.

That also means you can forget to put it in altogether, which means it won’t be as effective. Forgetting to wear your retainer can cause teeth to drift slightly out of place.

Another disadvantage is that it can cause excess saliva in the mouth. Your body will adjust over time and producing this excess saliva, but in the beginning it may take some getting used to.

Permanent Retainer

A permanent or bonded retainer is permanently affixed to the teeth. As you age, your teeth will naturally shift a bit, so a permanent retainer is a great option to ensure the straight smile your braces gave you doesn’t go away. They are generally used with the bottom teeth, but can also be used with the upper front teeth.

The biggest disadvantage is that they can make teeth a bit harder to clean. Patients find it takes a bit of getting used to, especially with flossing. A floss threader can help thread the floss between the appliance and the tooth.

But permanent retainers do their job well. You don’t have to worry about losing it when you take it out. It can remain in for years, meaning the smile you got after your time in braces won’t go away.

Your orthodontist will discuss with you which type of retainer he or she thinks is best. It’s important that no matter which type is recommended, you always follow all instructions as provided by your orthodontist.

Advice on Early Orthodontic Evaluation for Having Better Health

Parents want their children to lead a happy and healthy life. Orthodontic evaluation is recommended at an early age to help parents along the path to improving their child’s health.

Orthodontics practices thrive to make sure parents understand the significant role early orthodontic evaluation- and treatment, if necessary- plays in children’s oral health. They also inform their patients and patients’ parents about the notable dynamic between oral health and overall health.

The American Association of Orthodontists encourages children to get an evaluation by their orthodontist by age 7.

Being assessed at this age doesn’t always equate to treatment being necessary. But there are some alignment issues and unhealthy oral habits that may need to be addressed this early in life.

Knowing whether a child is on a monitor-only or a treatment path at a young age can result in less invasive orthodontic treatment now, rather than surgery later.

There are some issues that if detected and treated while a child is still growing, we can take that child off of a surgery path. We have the fact that they are still growing on our side. Once growth stops, treatment options become more limited.

Problems Best Detected Early

Underbite is an example of a common and serious malocclusion that often can be fixed without surgery when identified and cared for at a young age. Underbite occurs when the lower jaw juts out farther than the upper jaw and fosters an improper bite pattern, along with facial deformity.

Serious teeth crowding issues noted and treated when a child is young can avert the need for tooth extractions and future surgery.

Orthodontists recommend identifying and correcting poor oral habits, such as prolonged pacifier use, thumb or finger sucking, mouth breathing and tongue thrusting (pressing the tongue through the teeth, keeping the front teeth from touching) at an early age.

Some children will naturally outgrow bad habits such as thumb-sucking. For those who continue poor oral habits and there is a fear they will lead to bite and alignment issues, treatments are available.

A standard case of early orthodontic treatment is an appliance that is set along the palette of a child’s mouth who has difficulty in quitting thumb and finger sucking. The device prevents the child from experiencing the satisfying sensation typically received from the habit.

Chronic mouth breathing can lead to complications in dental and facial development, such as long face syndrome, narrow mouths and receding or protruding jaws, according to Health.com.

Patients who experience facial development issues caused by chronic mouth breathing often require the use of corrective dental appliances, sometimes along with traditional braces, to cure “high vaulted mouth roofs, narrowing sinuses and deformed jaws. Left untreated, more serious facial surgery can be needed,” according to Health.com.

The point we want to be sure parents take away from this is that whether you’re a child or an adult, braces can correct a variety of bite and alignment issues. However, when we’re dealing with children, we can use a child’s growth to our advantage to create ideal bite and alignment.

Excellent oral health positively affects overall health. Many studies conclude that periodontal disease can lead to heart disease and other systemic ailments. It is less difficult to practice good oral hygiene and keep periodontal disease and tooth decay at bay when teeth are aligned and the bite is correct, he said.

Parents can help their children on the path to a lifetime of healthy smiles and overall health by beginning consultation with their orthodontist by age 7.

OUTLAWED: Six Home Insurance Deal Killers Florida Homeowners Should Be Aware Of

As affordable Home Insurance in Florida gets more difficult to attain, it is extremely important for home owners and future home owners to be fully informed before purchasing a new home or shopping for new home owners insurance.

If one of these SIX conditions exist in the home, “BUYER BEWARE” as insurance may be difficult and potentially impossible to bind.

1) Fuse Panel

A properly installed FUSE PANEL by itself is typically not a safety issue, however most insurance companies have banned this type of electrical service for all new policies written. There are a number of reasons, some of these are noted below.

The main safety issues from fuses come into play when a homeowner replaces a blown fuse with too large of a fuse (i.e. a blown 15 amp fuse replaced with a 30 amp fuse which is readily available on the utility room shelf). The circuit is designed to “blow” if a load greater than 15 amps passes through. Now the “trigger” is set at 30 amps. An extra 15 amps just might be enough for the wiring or other components to heat up enough to cause a fire or other serious injury or damage.

A typical fuse panel can be replaced with a circuit breaker panel for $750 to $2,000 depending on any other upgrades that may have to be made in the replacement. Always get a minimum of THREE QUOTES from reputable Contractors before authorizing any work done.

2) Knob and Tube Wiring

Knob and Tube Wiring (K & T) was used from the 1880’s into the 1930’s. This early method of electrical wiring did a great job for many years and is still used today in some select governmental and industrial applications. However this old rubber or cloth coated wiring that strings along on porcelain knobs has outlived its useful life and is no longer insurable or even legal in residential applications per the National Electrical Code.

An average size home re-wire can run from $8,000 to $20,000 depending on the unique layout and access to electrical components. Always get a minimum of THREE QUOTES from reputable Contractors before authorizing any work done.

3) Aluminum Branch Wiring

In Florida, Aluminum Wiring has been in the spot light since 2010 when tens of thousands of Florida home owners learned they could not get insurance if they have this common wiring that was used frequently between 1965 and 1973.

Aluminum wiring is known to “cold creep”. The wiring expands as it heats up and contracts as it cools down, this can cause the wire to come loose at the connection and this can cause an arc which can heat up fixtures and start fires. Aluminum also oxidizes over time which can contribute to this fire safety issue.

There are two options to get insurance if you have aluminum branch wiring. First, and most costly (but the one we highly recommend) is to completely rewire your branch wiring to copper. This can cost on average, $8,000 to $20,000 depending on how easily or difficult your electrical components are to access.

The second option is to use AlumiConn or CopAlum crimps that in essence crimp a copper “pig tail” to your aluminum wire so that the copper wiring is what is making the connection to your electrical fixture. This option, on average, costs between $1,500 and $3,000 depending on how many electrical fixtures there are in the home. We recommend staying away from this when possible as we fear that the ever changing insurance industry may eventually OUTLAW the crimp method as well. We also do not like the idea of going from the average fixture having 3 connections to having 6 connections. The more connections the more chance of failure.

4) Less Than a 100 Amp Electrical Service

A more recent industry change in our “power consumption hungry world” is requiring homes to have 100 amps or more of service feeding the home. With the heavy consumption of electrical power the average homeowner uses, insurance companies appear to be fearful that smaller services can overheat when using typical high consumption appliances.

The cost to upgrade an electrical service can range depending on if the size of the electrical wiring can handle the increased electrical load. If it cannot, the feeder line will also have to be replaced. As always, get at least 3 quotes from reputable electrical contractors.

5) Polybutylene Plumbing

This popular plumbing pipe was used heavily through the 1980’s and into the early 1990’s. It is usually “blue or gray colored”, is flexible, and has caused flood damage in thousands of homes across the country. Up until recently a few insurance companies did not ask about the type of plumbing pipe so agents would place homeowners with those companies, however starting September 1, 2012 Citizens Insurance Company specifically outlawed Polybutylene Plumbing.

A typical re-plumbing cost can run from $4,000 to $10,000 depending on the ease of running the new pipe (in attics or under homes). We recommend using copper or CPVC piping as some insurance companies are also taking issue with PEX piping that has become very popular over the past decade. We’ll cover more on PEX in a later article.

6) Roof with less than 3 Years of life

The final INSURANCE DEAL KILLER in today’s article addresses your first line of defense in a wind or rain event, THE ROOF! If your roof has less than three years of useful life left on it you will likely be denied insurance coverage. In our hot Florida sunshine, an average three tab shingle roof will last between 10 and 15 years. An average dimensional shingle roof will last between 15 and 25 years. Other popular roofing options include tile and metal roofing. These options have significantly longer life expectancy of upwards of 50 years if installed and maintained properly.

A re-roof is normally calculated on a per square basis. A square is equal to 100 sq ft of shingles. In the Pensacola area that per square cost can run anywhere from $225 to $300 per square making the average 30 square roof cost between $6,750 and $9,000 depending on the quality of products used.