Recently Added Quotations

How can one decide the best dental treatment to select? In view of all these choices and considerations, my advice is to empower yourself with as much knowledge as possible-and to always seek out counsel, or at least a second opinion, from a specialist like an endodontist or prosthodontist. [2025] - Ellie Phillips

It's usually best, whenever possible, to save teeth rather than extract them too quickly. Implants are always at high risk for periodontal gum disease. Regular dental cleanings are also riskier for people with implants, as particles of titanium from the screw can be shaved off by hygiene instrumentation and cause tissue reactions that are similar in nature-and impact-to an exaggerated auto-immune response. You may want to ask your hygienist if she or he will use what is referred to in the oral health industry as a special dental implant scaler to avoid this kind of implant scratching or possible complications. [2025] - Ellie Phillips

Consider carefully that some dentists do not believe that cavities or gum disease are preventable or reversible. You should also remain aware that there is another available treatment that flow a thin plastic sealant material into the open porosities of a cavity. This is not a good solution, since it can act as a kind of plaque magnet to attract decay in this area of the mouth. A small cavity in a permanent adult tooth can naturally reverse in a few months, which is why any motivated patient should weigh the risks of sealants and "small" fillings, and consider carefully that any treatment will be irreversible, especially if you allow a tooth to be randomly drilled. [2025] - Ellie Phillips

Gum recession can cause pain and tooth sensitivity, but it's not an indicator of poor mouth health. In fact, recession often occurs in healthy mouths from overuse of the wrong kinds of products (like baking soda, whitening pastes, or peroxide) or an excessive amount of flossing. Filling the erosion grooves in enamel is often a recommendation. This type of filling on the sides of teeth is called a Class V (five) filling, and they often fail and need constant replacement-which risks the health and vitality of these teeth. Ask your dentist why he/she recommends the filling of these eroded areas, and maybe discuss what he/she thinks about the idea of a delay in treatment. [2025] - Ellie Phillips

Specific foods stimulate an improved wound response, and some of these foods include: Dark chocolate (which can stimulate stem cells); black and green teas (which can mobilize stem cells); grains (especially barley); and seeds (including flax, sunflower, pumpkin, and chia), all of which can speed up the process of angiogenesis to bring a needed blood flow to the gums. Herbs like rosemary, peppermint, and ginseng can be useful, as well as the fruit and peels of fresh apples and plums, which help the repair process. Capers and onions, dried cherries, sultana raisins, and blueberries are similarly beneficial for wound healing. [2025] - Ellie Phillips

Healthy Food Pairings: Banana with some dairy product (like yogurt, milk, custard, or kefir) / Tomatoes with olive oil / Citrus fruits with spinach / Avocado and carrots / Salad greens with an egg / Oatmeal and berries / Broccoli and mustard / Beans and rice / Salmon and broccoli / Eggs and spinach / Chickpeas and lemon juice / Fresh strawberries with cream  [2025] - Ellie Phillips

Papaya and pineapple are two unique fruits for digestive health, each contributing enzymes that can be eaten right before a meal as an appetizer-which allows these enzymes to help support improved upper digestive health. The process helps to reduce the unpleasant and painful symptoms of acid or gastric reflux-a problem that negatively influences mouth health in many ways, especially as it can cause erosion of teeth and promotion of unhealthy mouth conditions. [2025] - Ellie Phillips

Onions (along with its close cousin, garlic) contain a naturally occurring chemical compound called allicin, which boosts saliva production and benefits immune health-and goes on to have a positive impact on gum health. The natural spice ginger stimulates saliva production directly and can be helpful for people with a dry mouth while it also supports the immune system. Berries of all kinds-blueberries, strawberries, and raspberries among others-are rich in antioxidants and vitamin C, and they all contain some naturally occurring xylitol. Berries have a particularly useful impact on mouth health and help to develop protective biofilm over teeth. [2025] - Ellie Phillips

Tomatoes and pink grapefruit contain special nutrients called bioactives, which can protect the DNA of cells from damage that may occur during X-rays, provided that they're consumed prior to any radiation. Fresh apples are a great example of a food rich in probiotic properties (together with the aforementioned bioactives) that help to speed up the repair of DNA damage to reduce damaging effects. This is why apples are useful when they're consumed after one has undergone X-rays, or for patients with disrupted salivary glands who are following a course of radiation and/or chemotherapy.  [2025] - Ellie Phillips

Sticky or highly processed foods, especially soft cereals and crackers, are particularly dangerous for teeth. The quantity of sugar you consume is not as important for mouth health as the frequency and duration of time during which sugar is in your mouth. This is why a more successful approach is to plan healthy meals, and then end every meal with a tooth-protective food or xylitol, which will negate any drop in your mouth's pH level generated by the sugary foods and/or beverages in question. [2025] - Ellie Phillips

Sensitivity pastes can dull the pain felt in your teeth, especially when this involves any root dentin that may have become exposed in your mouth. These pastes frequently desensitize the tooth by creating a plug made up from a tin compound that works as a barrier substance over the exposed dentin. This will provide immediate relief, but since the underlying problem has not been addressed, more damage can occur and result in more problems elsewhere in the mouth. Sensitivity is better addressed by using xylitol at the end of meals, followed by a period of mouth resting. This is really a time, after using xylitol, when you do not eat or drink anything for an hour or two. [2025] - Ellie Phillips

If you use xylitol gum, do not chew it for longer than 10 minutes-by which time the sweet taste should be gone. Longer gum chewing will bring a different kind of digestive saliva into the mouth, which will dilute and wash away the xylitol-stimulated saliva that is most useful for healing the gums and teeth. It's ideal immediately after each xylitol exposure to have a period when you do not eat or drink for at least an hour-this allows saliva with xylitol dissolved in it to interact with the mouth and teeth, and for xylitol to work in what is called a prebiotic capacity, which serves to nurture the mouth's population of good bacteria. [2025] - Ellie Phillips

You don't need a retirement income that is fully adjusted for inflation for 35 years. And in many cases, it's not beneficial to defer all of your registered accounts for as long as possible. And what about becoming more conservative with your investments as you get older? Perhaps this would be wise, but remember that you'll still continue to need some element of growth in your accounts. [2019] - Daryl Diamond

Premiums are paid into an Long-Term Care (LTC) insurance plan for a limited period of time, even though coverage lasts for life. This premium period is determined by your age at the time the coverage is purchased. There are also policy options such as inflation protection and refund of premium riders. All benefits are received on a tax-free basis and are paid directly to the insured or their designated power of attorney (OPA). There are no physical examinations to go through; you must only complete a basic questionnaire. Issue ages are from 40 to 80. [2019] - Daryl Diamond

Corporate class (capital class) funds are a series of different mutual funds, each representing a class of shares of a larger corporation. Each corporate class is a separate investment fund, but all classes fall under the umbrella of the holding corporation. The structure was really designed for non-registered investments and has been in existence since 1987. If you have non-registered investments, and your objectives are deferral and to to limit the amount of income coming from them, you may be better served to have them in this structure. [2019] - Daryl Diamond

It's preferable to use tax-favoured or non-taxable forms of income once you're over the first federal bracket, assuming that you have non-registered assets. This will put less strain on your income-producing assets and help to conserve and preserve them. From an efficiency perspective, it's usually preferable to have non-registered investment returns in the form of capital gains rather than dividends. The dividend tax credit gross-up inflates your net income figure. What you ultimately want to do is create the amount of after-tax cash flow that you require while keeping your net income figure relatively low. [2019] - Daryl Diamond

I see lots of articles in financial papers about what people pay in management fees on their investments. But that is often a minor issue compared to what they needlessly pay in taxes. Let me repeat: tax-efficient delivery of the net cash flow you need is a true form of asset preservation. [2019] - Daryl Diamond

Individuals aged 65 or older by the end of the tax year will qualify for the Age Credit. It's factored on the Age Amount and can effectively increase your personal exemption. In 2018, the Age Amount is $7,333. So if you were entitled to the entire Age Amount, coupled with your personal exemption of $11,809, your federal "tax-free zone" would be $19,142. Increase that number by an additional $2,000 for the Pension Credit, and you're just over $21,000 before income becomes taxable in 2018. However, once your Net Income exceeds $36,976, the Age Amount (and Credit) starts to be reduced and is totally eliminated at the point where net Income reaches $85,864. [2019] - Daryl Diamond

Pension credit (federally) is applied to your first $2,000 of eligible income. Payments must be on a scheduled, periodic basis. For example, a monthly, quarterly or annual payment from a RRIF would be eligible for the pension credit, but lump-sum withdrawals from an RRSP would not. Non-registered investment income (with the exception of the taxable portion of non-registered annuities) or rental income are also ineligible. The pension credit is applicable to federal tax. When provincial tax credits are also factored in, this is worth approximately $320 to $580 in terms of taxes that you don't have to pay, depending on your province of residence. [2019] - Daryl Diamond

In 2018, for an individual who is aged 65 or over, the absolute "sweet spot" in terms of annual Net Income is $36,976. Once Net Income exceeds this level, the Age Amount, which is used to factor the Age Credit, begins to be reduced. So by keeping below that level of Net Income, you're going to have the full benefit of this valuable tax credit. In addition, all of the retirement income for the year will be taxed at the lowest possible marginal rate. [2019] - Daryl Diamond