THE TEN COMMANDMENTS OF CREDIT CARDS: #5

by Don Rose, Writer for Life Alert

Rule 5. Reduce credit card balances, but don’t get rid of zero-balance cards.

It is good to get your card balances down to zero as fast as possible, but resist the urge to get rid of cards once they have no balance. In addition to being a good backup or safety hedge in case of emergencies, your credit score is helped by having cards with small or zero balances. This is because FICO scores take into account the ratio of your total outstanding credit balance (across all cards) to the total amount of all your cards’ credit limits. The smaller this ratio, the better your score. The more zero-balance cards you have, the lower this ratio will be, which is desirable. Having zero-balance cards also shows you can manage credit, unlike folks who have most or all of their cards maxed out.

THE TEN COMMANDMENTS OF CREDIT CARDS: #1

by Don Rose, Writer, Life Alert

A CREDIBLE CREDIT CREDO TO LIVE BY

During the process of creating “credit card commandments” (see the next few posts to come), I came up with a credit credo: “Once you get it, don’t regret it.”

This motto actually has multiple meanings.

First, obtaining credit cards to help pay bills over time is fine, but you need a plan to manage the resulting debt, especially when the degree of credit card usage rises during tough times. Learn the most important rules for handling credit cards, and you won’t regret getting those cards in the first place.

The second meaning is this: once you buy something using a credit card, don’t regret having bought it by paying much more for that item over time. This can occur if you only pay the minimum payment each month. Doing so adds a great deal to the final cost, thanks to accumulating interest charges on the amount you spent.

#1

Let’s assume you have two or more credit cards, you have bought some items with them, and now you have a good deal of debt to deal with. To help you manage this debt, and avoid regretting getting the cards and the creature comforts you charged, consider the following ten tenets of dealing with credit cards. (Extra credit if you already know them.)

1. Pay down credit card balances with your extra cash, rather than investing that cash.

When you pay down the balance of a card that charges 18 percent interest per year, it is like getting a guaranteed 18 percent annual return on the money you used to pay it down. It’s not easy to find investments that guarantee an 18 percent gain, so rule number one almost always applies. The general rule is this: if a credit card interest rate is more than the rate of return of an investment you are considering, pay down that card; if less, invest.

MEDICARE PART D: OPEN ENROLLMENT ENDS DEC. 31

Seniors, take note! If you don’t already know, the open enrollment period for Medicare Part D is ending this Wednesday. A CVS ad stated this fact. It also says: “CVS/pharmacy and the National Council on Aging urge you to review your Medicare Part D Plan choices for 2009,” adding that “We accept all Medicare Part D Plans.” Selecting the right plan for you is important (CVS claims that “choosing the right plan can save up to $250,” according to one study they cite), so do your homework and act fast. Tomorrow is only a day away!

by Dr. Don Rose, Writer, Life Alert

Bad Breath and Gingivitis

Article by David Snape at articlecodex.com

Introduction by Dr. Don Rose

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People of all ages may suffer from bad breath, which is caused by bacteria in the mouth. Gingivitis is a common gum problem, also a result of the action of bacteria. David Snape’s article below discusses these two related problems and ways to deal with them. –D.R.

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Does this sound familiar to you? My dentist and hygienist mentioned that I had irritated gums as they cleaned my teeth. This is a symptom of gingivitis.

Gingivitis can be a stepping stone to major problems in the mouth and gum line. It can lead to periodontal disease, which is a much more serious problem with the potential for actual bone loss.

Halitosis (bad breath) could be related to a gingivitis infection as both are caused by bacteria. Red, swollen and/or bleeding gums characterize gingivitis. These symptoms are most evident upon flossing and sometimes from brushing.

Bacteria cause gingivitis. And bacteria are considered to be responsible for bad breath.

Sometimes, I could even see the bloodstains that the hygienist quietly wiped away with a towel. It was embarrassing enough to know that I wasn't controlling my gingivitis problem, but to know that she was actually trying not to make a big deal out of it was troubling.

I knew my dentist was concerned because she gave me a bottle of alcohol based mouthwash to try and mentioned that she wanted to see how I looked next time. I don't like using it; there is too much alcohol and the taste is not very pleasant. Alcohol may also dry the mucous membranes in the mouth.

The Problem

Bacteria can stick to your teeth and secrete acid onto them contributing to cavity formation. They can also infect the gums, particularly around the gum line, causing gingivitis. This can manifest initially as bleeding and irritated gums.

Having a lot of uncontrolled bacteria multiplying in the mouth may also lead to bad breath, but there is a natural and normal amount of bacteria in the mouth, and you will never completely get rid of them all, nor would you want to.

Theory has it that it is actually the anaerobic bacteria that live in the tongue and throat that produce sulfur that in turn produce hard to get rid of bad breath. These anaerobes create VSCs or volatile sulfur compounds. One type is the familiar rotten egg smell. There are other odors coming from VSCs as well. These sulfur-producing bacteria may feed on certain foods, like coffee, alcohol and meats.

A gingivitis problem can offer a way for bacteria to easily enter your blood stream and that can lead to additional problems. Systemic infections could come from this. Gingivitis can be something that makes your gums bleed easily in a mild case or it can be the root of deep gum recession, leading to bone loss in the worse case scenarios (periodontal disease).

Loss of gum line can be discouraging. A friend of mind once described the process as "getting long in the tooth". Sometimes, people experience this problem by brushing too hard. TIP: Using a soft bristled toothbrush with the type of motion that your hygienist recommends may help prevent eroded gum lines.

Treatment and Prevention

Had you ever heard of under-the-gum cleanings? This could be part of the protocol your dentist might invoke, should you develop periodontal disease. If you know people that have had an under-the-gum cleaning, they may tell you that it is not very pleasant.

Your dentist can deal with this problem in a variety of ways. However, prevention probably is the best option. Include good flossing and brushing habits - see your dentist for details. And you could add a non-alcohol based mouthwash alternative to your regimen.

I'm currently using a special toothbrush that uses vibration to clean the teeth. This device does a better job than a regular toothbrush in keeping my teeth clean. It does take a little while to get used to because of the vibration. It makes many, many vibrations per second. This helps to give it such wonderful cleaning abilities.

Don't feel sad if you have excellent oral health habits but you still have bad breath. This is common and many people experience this same situation. Oral health products that don't contain sodium lauryl sulfates or artificial flavors that can still kill the bacteria that cause bad breath without using harsh alcohol or tough chemicals may be helpful.

I am not a dentist. This article is for information purposes only. This article is not meant for diagnosis, treatment or prevention nor is it meant to give advice. If you have or suspect you have gingivitis, periodontal disease or any other dental problems, visit your dentist for a consultation.

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David Snape is a health, fitness and well-being enthusiast. He maintains a site: http://tobeinformed.com/ on the same theme. david@tobeinformed.com

This work is licensed under a Creative Commons Attribution-NoDerivs 2.5 License.

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Dr. Don Rose writes books, papers and articles on many topics, including computers, the Internet, artificial intelligence, science and technology, and issues related to seniors.