#

New to Kool Smiles?

Already a Patient?

Looking for a general dentist who will see your children?

Try Kool Smiles!

Kool Smiles was founded in 2002 and was built on the belief that every family has the right to quality dental care in a clean, safe and fun environment. Our first goal is to provide quality and compliant dental care to individuals in communities that typically get overlooked by general dentists. Our services are not just for kids, but since we know children are more likely to have great dental habits if mom and dad do too, we happily care for the entire family.

Does Kool Smiles have general dentists that accept Medicaid?

Yes, all Kool Smiles general dentists accept Medicaid.

While very few dentistry practices accept Medicaid as a payment option, Kool Smiles, in adherence with its mission to provide quality dental care to underserved children and their parents, proudly accepts Medicaid in every location. To find a participating Kool Smiles general dentist near you, please search for a dentist close to you, or call us today at 1-855-223-KOOL.

What is Medicaid and how can I find a general dentist who accepts Medicaid?

Access to healthcare for millions of Americans

Medicaid is a government program that provides access to healthcare for millions of Americans who would otherwise be uninsured. Medicaid also provides for dental coverage at varying levels for children and adults. Each state regulates its own Medicaid program in conjunction with the federal government. Unfortunately not many dentists take Medicaid as a payment option or restrict the number of patients they will see. This limits the choices an individual has to see an approved Medicaid dentist. Kool Smiles is unlike most dentists and welcomes all patients, including those with Medicaid coverage.

What makes Kool Smiles different from other general dentists who see kids?

It is our mission to provide high quality dental care in a safe, fun and friendly environment.

Our offices have been built with families in mind. Our offices feature spacious waiting rooms with a play area for children and most offices feature semi-private treatment areas for adults. We have a fun d cor, staff who has been trained to help our young patients, and a desire to make sure all patients receive the dental care they deserve.

Does Medicaid cover my child’s cost when I go to a participating general dentist?

Typically Medicaid will cover any recipient under the age of 21.

Details of what is covered for pediatric dental and adult oral health care varies from state to state. However, coverage typically includes dental pain relief, dental hygiene or teeth cleanings, addressing infections and tooth restorations. For a complete list of services covered in your state, just call us and we’ll help you understand your Medicaid dental benefits.



#

Life Insurance for Children: The Cases For and Against

The question of whether to buy life insurance for children sparks strong debate about the value of such policies.

Life insurance for children is often marketed to parents or grandparents as a way to save money for kids and to “protect their insurability,” meaning their chance to buy more life insurance later no matter their health. For these reasons, some life insurance agents say purchasing life insurance on a child can be a smart financial move, but many financial advisors caution against it.

“I struggle with thinking of reasons why it would make sense,” says Joseph Alfonso. a financial advisor in the San Francisco and Portland, Oregon, areas.

Most insurance agents and advisors can agree, though, on one point: Other, more critical financial matters should come first before you even think about buying a life insurance policy on a child. Those include building an adequate emergency savings fund, making sure you and the child’s other parent have enough life insurance and disability insurance, building savings for the child’s college tuition, and getting your own retirement savings on track.

[Life insurance quotes are available through NerdWallet’s Life Insurance Comparison Tool .]

How it works

There are a couple of ways to buy life insurance on a minor child:

  • You can buy some coverage on your child’s life if you purchase a term life insurance policy covering yourself or your spouse. You do this by buying a rider — an extra policy feature at added cost — that extends a small amount, such as $20,000, in life insurance to other family members, including children. Term life insurance provides coverage for a certain period, such as 10, 20 or 30 years, and pays a death benefit to the beneficiary if the insured person dies during the term. This is the only way to buy term life insurance on a child; there aren’t standalone term life insurance policies for minors.
  • Or you can buy a permanent life insurance policy, such as whole life, covering your child. These are generally for small face amounts, such as $50,000 or less. Permanent life insurance provides coverage for someone’s entire life and includes a savings account that gradually builds value over time. As a result, the premiums are much more expensive than term life.

You can buy a permanent life insurance policy covering a child from just about any of the biggest life insurance companies. A parent or grandparent can make a child the policy owner once the child reaches adulthood. The Gerber Life Insurance Co.. which specializes in selling whole life policies for children, is the best-known name in the industry for juvenile life insurance.

About 20% of parents and grandparents say they have purchased coverage on kids, according to a survey of 2,000 adults by industry groups Life Happens and LIMRA.

Reasons to buy — or not

Here are the reasons some insurance agents give for buying life insurance for children, with the arguments for and against.

It provides money for funeral expenses and other costs

For: In the tragic event of a child’s death, a life insurance payout could pay for funeral expenses, family counseling and medical bills and provide money for the family to get by if the parents need to take leave from work.

Against: Statistically, the odds of a child dying are very slim. A smarter financial move than buying life insurance is to stash money into an emergency fund, which could be tapped for any type of crisis, says Keith Amburgey. CEO of Rutherford Asset Planning in Tampa, Florida.

I t locks in a child’s ability to qualify for more life insurance later

For: A child who develops a medical problem early in life might have trouble qualifying for coverage later. By purchasing coverage now, you guarantee the child has some coverage and can buy more as an adult, regardless of health. This is a big reason people purchase life insurance on their children, says Marvin Feldman, CEO of Life Happens, a consumer education group funded by the life insurance industry. Feldman says he bought life insurance policies for his children and grandchildren.

Against: Amburgey says it’s “a n expensive proposition for a remote risk. The vast majority of 20- and 30-somethings have no problem getting insurance.” In addition, Alfonso says, the amount that can be purchased later because of the “guaranteed insurability” is limited to a multiple of the original policy amount. In many cases, that total is too small to provide adequate coverage later in life anyway.

It provides a savings vehicle the child can tap later

For: The savings component of a permanent life insurance policy, called cash value, grows tax-deferred. The policy owner can borrow against the cash value or surrender the policy for the money, minus a possible surrender fee. The cash could be used for anything, including college expenses or the down payment on a home. A whole life insurance policy guarantees a certain percentage return on the cash value and compares well with other conservative savings vehicles like CDs, Feldman says. “It isn’t designed to be a primary savings and investment tool. It’s one of the tools for parents and grandparents to consider.”

Against: “ The fees associated with life insurance policies usually eat away at the rate of return,” says Carrie Houchins-Witt. a financial advisor in Coralville, Iowa. She encourages her clients to think about how much life insurance fees would grow over time if invested elsewhere, then compare that to the cash value of a policy over the same term. “There are a multitude of opportunities to make a better return than through investing in life insurance,” she says.

Before you buy

Look at your entire financial picture to make sure you’re saving enough and covering bigger risks. Get advice from a fee-only financial advisor — that’s one who doesn’t make commissions on life insurance or other products — before you buy coverage on a child. The main purpose of life insurance is to replace income and/or cover debts in the event of a provider’s death.

The important question to ask is: Do you and your spouse have enough life insurance? NerdWallet’s life insurance comparison tool can help you find the right coverage amount and compare prices.

This article was written by NerdWallet and was originally published by Forbes .

Image via iStock.

You may also like



#

Children s Life Insurance: Is It Worth It?


Life insurance for children:
is it really worth it?
Photo by Ted Bongiovanni

The Globe and Mail wrote an interesting article exactly a year ago, in October 2011, asking “Does your child need life insurance?”

“There are usually three main reasons to buy life insurance on a child,” says Karl Simon, director of product and marketing for Equitable Life. “The first is to protect the family if the child dies. No one wants to think about their child dying, but the reality is, if the child dies it will affect the family in a horrible way that could really harm their finances.”

Tom Drake, of the _Canadian Finance Blog_, disagrees. He writes in his Insurance You Can Do Without series, which was quoted by The Globe and Mail :

From a financial perspective, what monetary loss will you suffer if something were to happen? There is the cost of the funeral, but otherwise your financial responsibilities would be reduced from not having to provide for that dependant. If the cost of the funeral is a concern, you would likely be better off by saving yourself the cost of premiums and adding that same amount into your emergency savings.

However, Simon reminds us that one or both parents may need to take significant time off work, especially if they have other children. The death of one child may also prevent parents from contributing to the education of their other children. “Forgetting about yourself entirely,” says Simon. “Most people say that if their child dies, they’ll deal with it, but think about the rest of your family that your providing for and how it could affect them.”

The second reason Simon lays down for buying life insurance for a child is to guarantee future insurability and make sure the child can still get insurance regardless of her health situation later in life.

“People aren’t buying life insurance on their kids, so they can get a pile of money if their child dies,” says Simon. “Generally, it’s a small amount of money, between $100,000 and $125,000, but what some companies are doing is they’re building in future guaranteed insurability. At Equitable, we have a feature called FGIO, or The Future Guaranteed Insurability Option, that’s only available to children and what that does is provide the child with up to $500,000 of guaranteed insurability in the future that they can use to by life insurance.”

Whether children need this option is another question. Drake doesn’t think so: When it comes to protecting your child s rates from future health issues, this would be a bit like gambling. To insure for this reason, you would probably have some concern that your child will have problems in the future. The problem is, if you know of any family history, then you have to tell the insurer and this will lead to higher premiums right from the start, and if you don t tell them, they could deny your claim.

But then again, at Equitable Life, a participating whole life insurance policy will only cost a male at age zero $1,000 a year for $80,000 in guaranteed face amount, and for an extra $50, you can get the Future Guaranteed Insurability Option, which gives your child the extra $500,000 towards future insurance at a very low price. The child or parent can pay for the policy until age 100, or just pay for 20 years before it’s fully paid up. The plan is extremely popular at Equitable Life, and it’s one of the reasons 40 per cent of their policies are sold to juveniles.

The third reason to consider children’s life insurance is that if you buy your child a participating whole life insurance policy, the policy provides the child with cash value that they can use towards their future. “It makes a great gift from either a parent or a grandparent for a newborn child,” says Simon. “The cash value will grow and the child will be able to access that cash value in the future if they ever need to.” Some people will use these cash values for education, a car, a house, or starting their own family.

With all these benefits, Simons sees only one drawback that may not make life insurance for a child worth it to some families. “Let’s say you want to buy that policy for $1,000 a year, but after five years, you say, ‘I need that money,’ and it would be gone. Plus, the cash value after five years isn’t very much because the cash values start slow and they build up over time. The main consideration would be that if you’re not sure that you can really afford it, then you probably shouldn’t buy it. You have to be pretty confident that you’re going to be there to pay the premiums for the 20 years.”

Posted by Chantal Marr.

Chantal Marr is a member of the Independent Financial Brokers of Canada.
Much of her success stems from her ability to listen to her clients’ needs.
Read Chantal’s background .

Share on Facebook Share



#

Call now to reserve your professional photography session: 602.265.2605

The Best Photography Studio in Arizona, Since 1950

Duke Photography continues to show entrepreneurial and community leadership through innovation, creativity, ingenuity and excellent customer service. Our professional photographers’ mission is to keep our clients satisfied. With over half a century of experience you can trust Duke Photography to take beautiful portraits of your family. children. graduating seniors. day care, elementary, private and public schools and athletics. Duke also specializes in quinceaneras, formal events like cotillions, fashion shows. and professional head shots for business professionals. With over 60-years of experience, we assure you that Duke Photography provides only the highest quality and the up-most professionalism. Call now to reserve your session: 602.265.2605


  • Family and Children Photography
  • Senior
  • Business
  • Formal
  • School
  • Stop the clock right now! For as low as $149 you can get your family portrait package special at Arizona’s Largest Photography Studio. Call now to schedule your family portrait session: 602.265.2605 Are you wondering how to dress for your family portraits? Don’t worry! We’ve got you covered. Check out the “How to Dress for Family Photography: Color Tones.” Did you know Duke Photography has been creating family photography art for over half a century. Our family and children photographers are the best in Arizona, guaranteed. With over half a century of experience you can be rest assured that Duke Photography is the number one choice for family photography.
  • Ask anyone in your family and they will tell you that they remember when Duke Photography took their high school senior portraits. Katrina Sherk of Active Moms Magazine said she had “many fond memories!” about Duke Photography photographing her senior portraits. We love taking photographs of our beloved High School seniors before they embark in the next phase of their lives. We are so dedicated to our High School seniors that we’ve created a website specifically for our them. Click here to visit Duke Photography’s High School senior website! We also have a facebook page dedicated to High School seniors where they can share events, funny meme’s and whatever else we want! We love to hear about our seniors awesome accomplishments. Check out what a Duke Photography regular, highland high school and National American Miss finalist has been up to!
  • Duke Photography is in business for the free market! With over half a century of experience you can be rest assured that our business photographers know how to capture the corporate and community leadership attributes you want to exhibit in your corporate head shot. Our professional business photography service is availble for your company’s corporate events. Call now to speak with a business photographer: 602.265.2605
  • Whether it is a cotillion, ball, engagement or quinceanera, there is a beautiful story that is to be told. Your formal gathering is a hallmark moment in time when you are introduced to society in an elegant, triumphant and gorgeous way. Whoever you hire as your formal photographer they should understand the importance of taking your formal portraits. With over half a century of experience you can be rest assured that Duke Photography is prepared for any and all formal event photography.
  • There is nothing better than seeing children smile. The only thing that comes to a close second is capturing their beautiful smile. Duke Photography is a fully managed staff of professional photographers who will capture the school’s children and get them back to class as soon as possible. Call 602.265.2605 and speak to a professional school photographer. We love our school children so much that we take free photographs of the annual Arizona Association of Student Councils presidential luncheon!

Mr. Duke started Duke Photography, Inc. in 1950, over 60-years ago, making us the most experienced photography company in Arizona. Mr. Duke started his photography company by taking photographs for families and formal events. With hard work and dedication Mr. Duke eventually saved enough money to purchase his own studio that you see today. We like to call our original Portrait Studio the “Studio and Gardens.” It seems like yesterday when Duke Photography started. Call now to reserve your session: 602.265.2605

Did you hear? We have a new studio in Tempe!



#

Kart Theft Insurance

Our annual kart theft insurance covers storage and transit risks and the first time you buy from us we will actually REFUND 59.99 being the cost of Datatag identification kit meaning you get this for FREE!

Basic cover for our go kart theft insurance includes theft, accidental damage and fire insurance from storage premises. Datatag offers a unique identification to your go kart and all insured equipment acting as both a deterrent to thieves and aids police and insurers in the recovery of stolen property.

Our go kart theft insurance policies come with options that allow you to extend your cover while travelling to and from a karting event and whilst at the circuit during a karting weekend.

Go Kart theft insurance policies provided by us include a unique circuit ON TRACK extension that will protect your kart chassis in the event it should be badly damaged while you are racing. We are the only providers of this type of cover so your kart theft insurance policy can now include uo to 1,500 of chassis damage.

We also recognise that it is not just the kart itself that needs insurance but all the associated equipment. This includes your race wear, helmet, tools, spares, equipment and even your trailer. Obtain your FREE quotation today and see just how much cover our kart theft insurance policies can provide.

MSA Kart Licence Holder Insurance

We don’t limit ourselves to just kart theft insurance and we have a special Kart drivers personal accident insurance policy. This is specially designed for MSA Kart Licence holders is available for; death, permanent disablement insurance or permanent disability and even loss of income. For circuit karting at those European race events your go kart racing personal injury policy can include emergency medical expenses and repatriation.

If you are an anxious parent with children looking to be taking up karting for the first time or already have kids learning the skills of circuit karting then our on-line kart insurance accident policy for children will allow you to cover up to 250,000 for permanent disability for under 90 for the season.

We have the policy for you whether you need insurance for go karts during your go karting at a race circuit, on the way to the track, or you need a to cover personal injury to go kart drivers.

User login:

Select Policy Type.



#interior design kids rooms

#

Designing a child s bedroom can be very challenging considering the fast pace in which kids are growing up these days. It s hard enough keeping up with endless influx of technological gadgets before finding ways to store all of these next best things . But alas, there are fun innovative storage solutions disguised by splashes of color that would make any room look like a three dimensional Picasso! In these beautifully designed rooms below, the perfect balance of practicality and creativity has been achieved and will easily appeals to parents and children alike.


The brilliant color combination of the beds. area rugs. closet units and desks are striking and set an exciting tone against the whimsical shapes and forms they create.


Wall art has also become a convenient way to dress up a child s room, delivering simplicity with a punch of character in its application.


All these organizational ideas clear some floor space for a fun and modern play land as well as plenty of space for homework, of course!



#

European Platform for Investing in Children (EPIC)

The European Platform for Investing in Children (EPIC) is an evidence-based online platform that provides information about policies that can help children and their families face the challenges that exist in the current economic climate in Europe.

Helping to implement the Recommendation for Investing in Children

EPIC helps Member States implementing the Recommendation for Investing in Children and is a tool for monitoring activities triggered by the Recommendation. It is also a platform for sharing the best of policymaking for children and families and to foster cooperation and mutual learning in the field.

EPIC is be used to collect and disseminate innovative and evidence-based practices that have a positive impact on children and families in EU Member States. Evidence-based practices that have demonstrated effectiveness through rigorous research are made available in the Practices that work section.

EPIC also participates in seminars and workshops around the EU on strategies for improving outcomes for children and families.

Recommendation for Investing in Children

The Recommendation provides guidance for EU Member States on how to tackle child poverty and social exclusion through measures such as

  • family support and benefits,
  • quality childcare
  • early-childhood education.

Member States integrated strategies should be developed according to three key pillars :

Social investment in individual capacities during the early years is particularly beneficial for children from a disadvantaged background and can provide large social returns. They are also a crucial factor in breaking cycles of intergenerational transmission of poverty.

Newsletter

EPIC produces an occasional electronic newsletter intended for anyone with an interest in policies that can help children and their families face up to the challenges of the current economic climate.



#nursery interior design ideas

#

Portfolio

Sherri Blum, CID is your baby nursery design and kids room design specialist. Sherri is internationally renowned for her timeless design and attention to details. Over the years she has designed and decorated baby nurseries ranging in themes from princess rooms to sports and nautical nurseries. Her kids room designs include floral girls rooms, transportation theme boys rooms including trains, airplanes, and boats; plus cowboy theme rooms and other classic vintage designs that will grow with your child through the years. Sherri has also assisted with commercial design in daycares and preschools and was part of the advisory team for a children s playroom that was totally environmentally conscious for the Leeds Certified Covergirl offices in Baltimore. She has designed a celebrity nursery for the Hollywood celebrity babies of Jodie Sweetin, NFL star, Bart Scott and others. Her heirloom quality nursery wall art can be found in the celebrity nurseries of Mario Lopez, John O Hurley, Angela Kinsey, Tori Spelling and more. She can create a beautiful child s room or designer nursery on any budget. Sherri also offers luxury designer baby furniture and decor such as designer baby crib bedding, baby nursery furniture and kids decor for every taste and style. Contact her today for an appointment or if you re out of the area, check out her Cyber Design Services for interior design clients anywhere in the world. See a sampling of her dozens of designer rooms here to get some great baby nursery ideas!

Want to contact us to discuss your needs? Complete our brief Contact Us form and we will contact you shortly!

Interior designer, interior decorator Baltimore Maryland, Harrisburg, Gettysburg, Pittsburgh, Philadelphia Pennsylvania, New York, New Jersey, Washington DC, Virginia and nationwide.

Navigation

Join Our Mailing List

Sign up today and be the first to hear all about the latest news and updates!

Contact

Us, Elsewhere



#

It’s for the Kids. The Money. After We Take Some.

I really didn’t declare this to be Griftopia Tuesday here in the shebeen. But the stories keep getting more grotesque. Here’s Forbes with the latest and slimiest. It turns out that the president* and The Dim One may have gouged The Dim One’s children’s charity.

The best part about all this, according to Eric Trump, is the charity’s efficiency: Because he can get his family’s golf course for free and have most of the other costs donated, virtually all the money contributed will go toward helping kids with cancer. “We get to use our assets 100% free of charge,” Trump tells Forbes. That’s not the case. In reviewing filings from the Eric Trump Foundation and other charities, it’s clear that the course wasn’t free–that the Trump Organization received payments for its use, part of more than $1.2 million that has no documented recipients past the Trump Organization. Golf charity experts say the listed expenses defy any reasonable cost justification for a one-day golf tournament. Additionally, the Donald J. Trump Foundation, which has come under previous scrutiny for self-dealing and advancing the interests of its namesake rather than those of charity, apparently used the Eric Trump Foundation to funnel $100,000 in donations into revenue for the Trump Organization.

Advertisement – Continue Reading Below

As a cop friend from New York once put it, these people have overcoats with rubber pockets so they can steal soup.

All of this seems to defy federal tax rules and state laws that ban self-dealing and misleading donors. It also raises larger questions about the Trump family dynamics and whether Eric and his brother, Don Jr. can be truly independent of their father. Especially since the person who specifically commanded that the for-profit Trump Organization start billing hundreds of thousands of dollars to the nonprofit Eric Trump Foundation, according to two people directly involved, was none other than the current president of the United States, Donald Trump.

Great work you’re doing there, son. Where’s mine?

But in 2011, things took a turn. Costs for Eric Trump’s tournament jumped from $46,000 to $142,000, according to the foundation’s IRS filings. Why would the price of the tournament suddenly triple in one year? “In the early years, they weren’t being billed [for the club]–the bills would just disappear,” says Ian Gillule, who served as membership and marketing director at Trump National Westchester during two stints from 2006 to 2015 and witnessed how Donald Trump reacted to the tournament’s economics. “Mr. Trump had a cow. He flipped. He was like, ‘We’re donating all of this stuff, and there’s no paper trail? No credit?’ And he went nuts. He said, ‘I don’t care if it’s my son or not–everybody gets billed.’ ” “I saw that Eric was getting billed,” Gillule adds. “I would always say, ‘I can’t believe that his dad is billing him for a charitable outing.’ But that’s what they wanted.”

There is something Shakespearian about all of this, if Shakespeare had been born Donald Westlake.



#

Himayatuna – Motor Insurance

Sahatuna – Individual Medical Insurance Plan

Damanati – Individual Credit Life Plan

CPP – Comprehensive Protection Plan

Presenting Sahatuna. Individual Medical Insurance Policy
from the Health Insurance Market Leader

Life can be full of surprises but when it comes to unexpected health problems, we’ve got you covered.

  • Inpatient and Outpatient Care
  • Care at 135+ medical service providers across the Sultanate
  • Inpatient treatments extended to India, Pakistan, Sri Lanka & Bangladesh
  • Emergency Treatment, worldwide except US & Canada
  • Optional coverage for Dental & Optical benefits
  • Special discount for family coverage
  • Thailand cover: Inpatient treatment for Gold & Platinum Customers

NLGIC’s Individual Credit Life Insurance – DAMANATI uniquely provides following Key benefits to its customers

  • Comprehensive protection against various types of loans.
  • Though this policy, Individuals can minimize the loan repayment burden in case of unfortunate death or disability.
  • Insurance benefit will enable in lightening the financial burden on borrower’s family.
  • Premium is as low as 50 % as compared to Market and thus customer can save considerable amount of money while buying this insurance coverage.
  • No additional Insurance cost to be incurred while transferring loan from one bank to another.
  • Customer will be left with more money when compared to Market current Interest Scenario, after settling the amount to the lender.