Day: July 12, 2024

What is Endoscopic CSF Leak RepairEndoscopic CSF leak repair addresses the issue of cerebrospinal fluid leakage originating from a breach in the protective dura mater surrounding the brain and spinal cord.A nasal endoscope is inserted inside to navigate the nasal passages to find the breach in the dura mater commonly found at the skull base.Using small surgical tools, the identified breach in the dura mater is meticulously patched using an Alloderm graft and mucosal tissue from the nasal passages. Recovery and Postoperative InstructionsFollowing the surgical procedure, patients typically undergo a 1-2 night stay for rest and continuous monitoring. In rare instances, some may require the Placement of a lumbar drain to prevent excessive cerebrospinal fluid (CSF) pressure within the spine.Habits to Adopt for Optimal HealingIn the initial phase of recovery, patients are advised to adopt specific practices to facilitate healing and prevent undue pressure on the repaired dura mater:gentle Nasal Care:Refrain from forceful blowing or wiping of the nose.Avoid vigorous sniffing, promoting a gentle approach to nasal care.Address persistent or worsening nosebleeds by sitting up and applying oxymetazoline spray as directed.Medication Compliance:Ensure adherence to prescribed medications until completion as part of the postoperative regimen.First Week of RecoveryNasal Moisturization:Maintain nasal moisture using saltwater spray 3-4 times daily (unless instructed otherwise) during the first week.Opt for rest while maintaining an upright posture during the day and sleep with the head slightly elevated for comfort.Expect mild bloody nasal drainage during the initial 24-72 hours post-surgery, which is considered normal.First 30 Days of Postoperative CareActivity Limitations:Refrain from lifting heavy objects, straining, or excessively bending over during the initial 30 days.Utilize stool softeners to ease bowel movements and prevent straining.Nasal Irrigation Caution:Avoid forceful nasal irrigation techniques such as squeeze bottles or neti pots.When to Contact Your Healthcare ProviderIn the postoperative period, promptly seek medical attention if experiencing the following:Persistent nasal bleeding or unceasing Clear nasal discharge.Noticeable bruising or swelling around the eye region.Sustained fever exceeding 100 degrees Fahrenheit.To learn more click the link below.Dr. Amy Anstead | Endoscopic CSF Leak Repair

Gum contouring, or gingivectomy, improves the look of your gums, your teeth, and your smile. It’s used to reshape your gums as either a cosmetic procedure or for health reasons.Why you should consider gum contouring There are a few reasons people opt to have gums cosmetically contoured:Gum tissue covers too much of your teeth resulting in gummy smiles.Correction to a noticeably asymmetrical gumline. A gingivectomy provides a more aesthetically pleasing smile.Gums have receded due by periodontal disease. There are medical Benefits to restoring and lengthening gums, including the prevention of future tooth lossHow is gum contouring done?Whether you’re interested in gum contouring for cosmetic or oral health reasons, the procedures are the same. When exposing more of the tooth and evening out gumlines, Dr. Frahm recontours the gumline to create a more attractive smile. To correct a receding gumline, tissue is added to your gums. Procedures for gum contouringGum reshaping is done with a diode laser to sculpt your gums into the desired shape. From a holistic Dentistry standpoint, lasers are considerably more favorable to a patient’s overall well-being. They are less invasive and result in minimal downtime and less discomfort than procedures using scalpels. Dr. Frahm performs laser gum contouring for a few important reasons:Precision results in less pain. High precision lasers are less damaging than scalpels in gum contouring. Lasers also cauterize and seal tissue as they cut, resulting in less discomfort. In addition, lasers minimize swelling which reduces the risk of infectionShort procedure. Laser gum contouring takes only about an hour, and the results are immediately visible.Faster recovery. Because lasers cauterize while they work, sutures aren’t usually required. And cauterization also results shorter recovery times. If your gums rest too low or too high on your teeth and you would like to permanently improve your smile, you may be a candidate for gum contouring treatment! Interested in learning more? Click the link below! We look forward to helping you on your journey to a brighter, healthier smile! Dr. Sarah Frahm

Teeth whitening is the most requested cosmetic procedure at the dentist’s office. If you are thinking About whitening your teeth, you’re not alone. Whiter teeth are sought after by people of all ages and for many reasons. Maybe your teeth have gotten less white with age or you want to be your best self at a special occasion like a wedding, prom or high school reunion.  Whatever the reason, whiter teeth bring a brighter smile which draws people in. They also bring more confidence and a more youthful appearance. Teeth whitening optionsThere are two types of teeth whitening treatments and both can bring a whiter smile in a short amount of time. The first is a quick, one hour in-office session. The other is a professional grade, take-home whitening kit. Both use peroxide and a blend of bleaching chemicals that oxidize and reduce stains on your teeth. Let’s unpack the differences between the two options. In-office whitening procedures In-office whitening sessions are safe, easy and popular because you see a significant difference in about an hour. In most cases, we recommend your whitening session immediately follow your teeth cleaning visit.  This helps maximize your results. How In Office Whitening WorksAfter protecting your gums, a whitening solution is applied to the enamel at the front of your teeth. This oxidizes the tooth enamel and removes stubborn stains quickly and easily. A high intensity LED light activates the treatment. Dr. Frahm offers two in-office treatment options, both of which are immediate, gentle and effective. The Sinsational Smile treatment is the world’s first eco-friendly whitening system. After only 20 minutes, this treatment makes your teeth up to five shades whiter with ingredients that are environmentally safe. The ZOOM system is aptly named in that it whitens teeth up to 10 shades in under an hour. The powerful whitening solution and light activation efficiently remove stains for a brighter smile. For those who are looking for a beautiful smile for an approaching special occasion, the ZOOM and Sinsational treatments will bring a sparkle to your smile quickly. Professional grade take-home whiteningTake home whitening kits are a great option for those who are willing to wait a few weeks to whiten teeth and save a little money in the process. These kits run about a quarter of the cost of an in-office procedure, and they take two to four weeks of daily treatment.Take home whitening kits are just as effective as in office procedures, but they use a different process. To start, your dentist makes a dental impression of your teeth. In one to two weeks, you’ll receive a custom-fitted tray that is exactly contoured to your mouth. Once a day, you fill the tray with a special gel solution and insert it, much like a mouth guard. These customized whitening trays fit your mouth perfectly, so the whitening solution fills the area around and between each tooth. Depending upon the kit you choose, the kit is worn for an hour or overnight. Finally, to keep your teeth healthy and to reduce any sensitivity to the gel, each treatment is followed by a high-grade fluoride treatment. If you are ready for a younger looking, fresh clean smile, click the link below to schedule an appointment!Dr. Sarah Frahm, DDS

In today’s ever-evolving business landscape, the clear call for Growth is louder than ever, especially for small businesses. To thrive in their respective industries, small businesses must adapt and become more operationally efficient. However, there’s often skepticism when it comes to adopting small business phone systems, especially in a world where landlines and mobile subscriptions are common.If you’ve found your way to this article today, you’re undoubtedly seeking answers to a crucial question: how can small business phone systems help reduce your operational costs? Rest assured, we’ve taken the time to crunch the numbers for you. Dive into this article to uncover the advantages of embracing phone systems, such as VoIP, for your small business.#1 No to Minimal Hardware Costs A cloud-based phone system delivers substantial hardware cost savings by requiring significantly less equipment than Traditional phone systems. A cloud-based VoIP phone system equipment includes an internet connection and the devices your employees already own.For instance, if you adopt Company-owned Personally Enabled (COPE) devices, this can become an expensive investment over time, particularly if you need to purchase a dedicated smartphone for each employee. Consider the Samsung A-series, known for reasonable prices and powerful smartphone technology. It costs $160 per employee, which can be paid at $5 monthly for 36 months. Additionally, you’ll need a cellphone plan with unlimited text, call, and data, costing $50 per month. If you have ten employees, this results in a monthly expenditure of $550 for three years.In contrast, a VoIP phone system allocates a dedicated line to each user rather than a specific device. As long as there is an internet connection, employees can make or receive calls from various devices, including mobile phones, laptops, or landlines. A VoIP phone system can provide up to 20 dedicated lines for a monthly fee of $10 to $30. If you have ten employees, your VoIP system can offer ten dedicated lines, costing you only $10 to $30 monthly.#2 Lower Communication Costs Communication costs are significantly reduced with VoIP phone systems, as there are no charges for long-distance or international calls over the Internet connection. This is particularly important for small businesses with remote workers or those targeting international markets.For example, cellular services often offer international calling plans at an additional cost of up to $10 per month for reduced international rates. However, even with these plans, a single call to Canada can cost $0.05 per minute, and calls to China can reach $0.15 per minute. These charges can add up to $10 per month and more. In contrast, a VoIP system eliminates charges for international calls while maintaining high-quality voice communications.#3 Multiple Services in One Most VoIP phone systems offer bundled features, eliminating the need to purchase separate services from multiple vendors. Your VoIP phone system is an all-in-one solution, including video conferencing, customer service call routing, and more.For reference, stand-alone video conferencing apps can cost $30 monthly, while customer call service apps can add $25 to your monthly expenses. With a VoIP phone system, you benefit from bundled services, resulting in cost savings and simplified service management.#4 Lesser Maintenance Costs Traditional phone systems require ongoing maintenance of equipment and lines, often necessitating the involvement of technicians for repairs and updates. According to HomeAdvisor, the typical telephone system repair cost ranges from $92 to $212.In contrast, VoIP phone systems offer managed services where your provider maintains your system online, handling system updates and hardware upgrades at no additional cost on your end.#5 More Flexibility A flexible phone system empowers you to leverage remote work options, saving money on rent and utilities. You can establish a remote or hybrid workforce model, expanding your talent pool and increasing employee satisfaction. With VoIP’s cost-effective flexibility, it fosters clear communication among you and your employees no matter how far away you are from each other.#6 Scalability Scalable phone systems allow you to adapt as your business grows. With a VoIP phone system, you can add or reduce the number of users you need, eliminating the need to pay for extra features and lines that may go unused. This cost-effective scalability ensures you get the most value for your investment.#7 Hidden Costs Also Give More SavingsWhile some VoIP providers may offer “free phone equipment” with lower monthly costs, these supposedly free devices often lack advanced features, including gigabit ethernet. At Face-2-Face Telecommunications, we carefully select models that meet our stringent criteria at a reasonable price. While most VoIP phone systems cost $10-$30 monthly, ours is priced at $35 monthly, providing great and reliable equipment to support your business operations.Learn more by clicking the link below. F2F Telecommunications

In the realm of

orthodontic treatment, Invisalign has emerged as a highly sought-after option for adults, parents considering options for their children, and young professionals alike. The appeal of Invisalign lies in its virtually invisible design, comfort, and the convenience it offers compared to traditional braces. However, one of the primary considerations for those contemplating Invisalign is the cost. This blog post aims to demystify the financial aspects of opting for Invisalign, providing you with a comprehensive understanding of what your investment might look like.Factors Influencing Invisalign CostWhen considering Invisalign, it’s crucial to understand that several factors can influence the overall cost of your treatment. These factors include:Treatment Complexity: The more complex your dental issues, the longer the treatment may be, which can affect the cost.Treatment Duration: Treatment duration varies from person to person. Longer treatments require more aligner trays, impacting the price.Geographic Location: Depending on where you live, the cost of living and dental care standards can influence Invisalign pricing.Orthodontist’s Experience: Experienced orthodontists may charge more for their services due to their expertise and demand.Average Cost BreakdownWhile prices can vary widely based on the factors mentioned above, the average cost of Invisalign cost generally ranges between $3, 000 and $7, 000. To provide a clearer picture, this cost includes all necessary consultations, the aligners themselves, and follow-up appointments. It’s important to note that this price range is indicative, and obtaining a personalized quote from an orthodontist is essential for an accurate cost assessment.Financing OptionsUnderstanding the investment required for Invisalign, many dental practices offer financing options to make the treatment more accessible. Here are some common financing avenues you might consider:Payment Plans: Many orthodontists offer in-house payment plans that allow patients to pay for their treatment over time.Dental Insurance: Some Invisalign treatment  cover a portion of the cost of Invisalign treatment. It’s worth checking with your provider to understand your coverage.health Savings Accounts (HSA) and Flexible Spending Accounts (FSA): If you have an HSA or FSA, you may be able to use these funds to cover some or all of your Invisalign treatment.Third-party Financing: Companies like CareCredit offer financing specifically for healthcare expenses, including orthodontic treatments.ConclusionInvesting in Invisalign is not merely a financial decision; it’s an investment in your confidence, comfort, and health. While the cost of Invisalign can be significant, understanding the factors that influence pricing and exploring available orthodontic treatment can help make this life-changing treatment more attainable. Remember, the first step towards a beautiful, straight smile is scheduling a consultation with an orthodontist who can provide you with a detailed treatment plan and cost estimate tailored to your unique needs.By researching and planning for the financial aspects of orthodontics, you can make informed decisions about your or your loved one’s dental care. The path to a perfect smile might seem daunting at first glance, but with the right information and preparation, achieving your dream smile is well within reach.—If you’re considering Invisalign as a solution for yourself or someone in your family, we hope this guide has brought clarity to the financial aspects of your decision. For more insights into dental treatments and how to manage the costs associated with them, keep following our blog. Remember, a beautiful smile is priceless, and understanding the ” dental issues” is the first step towards achieving it.

What is Pregnancy Rhinitis? Pregnancy rhinitis is a condition of nasal symptoms during pregnancy. The mucus linings inside the nose get inflamed due to hormonal changes as the pregnant body’s immune system adjusts to how it reacts to foreign bodies. Here are the characteristics of pregnancy rhinitis:Not present before pregnancyOccurs during the second or third trimesterHas a duration of six weeks or greaterHas no signs of allergy or infection in the upper airwaysThe symptoms disappear after two weeks after deliveryContinuing below, we answer the common questions of pregnant people as they experience a stuffy nose:Is Pregnancy Rhinitis Dangerous for My Unborn Baby?No, pregnancy rhinitis does not affect the developing fetus. But its symptoms, such as congestion, can make it difficult for the pregnant person to sleep. See our Treatment section on addressing symptoms that can affect daily living.  What Causes Pregnancy Rhinitis? It is presupposed that placental Growth hormone, estrogen, and progesterone cause nasal mucosa hypertrophy and inflammation.Risk factors for developing pregnancy rhinitis are smoking and having higher immunoglobulin levels to house dust mites. When Does Pregnancy Rhinitis Start?Pregnancy rhinitis commonly happens in the second or third trimesters (week 13 to the end of the pregnancy).How Long Does Pregnancy Rhinitis Last?Pregnancy rhinitis can last for six or more weeks. The symptoms can appear and lessen throughout that duration. It will then clear out within two weeks after delivery. Common Symptoms During Pregnancy: Pregnancy Rhinitis vs. Allergic Rhinitis vs. Common Cold Pregnancy rhinitis shares symptoms with allergic rhinitis and the common cold, such as:Congestion as the primary symptomRunny noseSneezingPhlegm in the throatCoughDifficulty breathingSnoring from difficulty breathing during sleepPressure in the earsAltered sense of smell due to congestionPregnancy rhinitis doesn’t have the following symptoms that allergic rhinitis has:Itchy mouth, eyes, or skinPregnancy rhinitis doesn’t have signs of virus infection, which common colds have:Yellow or green mucusLow-grade feverMild body or headachesThe feeling of being unwellSafe and Effective Treatment options Careful consideration is vital for the safety of both the parent and the unborn baby. Since pregnancy rhinitis will go away on its own, the goal is to manage the symptoms of congestion and difficulty sleeping for the pregnant person’s comfort.Gentle exerciseAs the body goes through hormonal changes, fluids increase and cause swelling, including in the nasal passages. Low-impact regular exercise (like walking) can encourage the drainage of fluids and regulate sleep.PositioningElevating your sleeping mattress to a 45-degree promotes congestion relief. It decreases fluids pooling in the nose that disturbs sleep.SteamingBreathing in steam can promote the loosening of mucus in the throat. It is commonly done by sitting in front of a bowl of steaming hot water and bending over it with a towel draped over the head. But it can also be done by closing the shower area and turning on the hot shower for those who have difficulty bending over while sitting. Saline Nasal LavageNasal irrigation or lavage involves emptying the clog into a nostril with saline solution from a neti pot, bulb syringe, or squeezable rinse bottle. The saline solution can be premade or made from salt and sterile water (water boiled for a minute and allowed to cool).Nasal Valve DilatorsOver-the-counter nasal valve dilators open the nasal passageways so that people with poor nasal breathing can improve airflow and sleep with less snoring. They are called internal nasal dilators because they are inserted inside the nose to open the nostrils. Choose nasal dilators made of medical-grade silicon as they are easy to clean and anti-bacterial.Drug Use and Precautions for Pregnancy RhinitisIf conservative treatment doesn’t work, your doctor may consider drug treatment. Medication is used depending on the severity of the pregnant person’s symptoms. Always check with your doctor or pharmacist before taking any medicine while pregnant.Puget Sound Sinus Center: Your Partner in Pregnancy Rhinitis Care Pregnancy rhinitis congests your nose and causes difficulty in sleeping. The symptoms can be managed with conservative treatment to make you comfortable. If you have symptoms of allergic rhinitis or a common cold, please do not hesitate to schedule an appointment with your doctor. Here at Puget Sound Sinus Center, we ensure holistic and patient-centered care for better health.Dr. Amy Anstead

When you turn on your tap do you ever wonder where exactly your water comes from? What journey has your water has taken between the time it fell from a cloud and to the point at which you use or consume it? And where does it go after your are done? For the answers to all of these questions lets take a look at the source of our water here in our community, the Spokane Valley–Rathdrum Prairie Aquifer.Spokane Rathdrum Prairie AquiferThe Spokane Valley–Rathdrum Prairie Aquifer (SVRP Aquifer) covers About 370 square miles in northern Idaho and eastern Washington. It is composed of Ice Age flood deposited gravels, cobbles, and boulders and is filled with water. No continuous clay or silt layers exist across the SVRP aquifer to keep contaminants from the surface moving down into the SVRP aquifer. Groundwater in the SVRP aquifer flows from the northern Rathdrum Prairie area southward to Coeur d’Alene–Post Falls, then toward the west into Washington. The water flows through Spokane–Spokane Valley areas and separates to flow around the Five Mile Prairie. All the water eventually empties into the Spokane and Little Spokane Rivers that flow into Lake Spokane.The large spaces between the rocks in the SVRP aquifer allow relatively large interchanges of water with the river. The Spokane river is the largest recharge source to the SVRP aquifer. What that means is our Aquifer, the primary source of drinking water is constantly mixing with the Spokane River. The Spokane River is contaminated with more of a potentially harmful fire retardant than any other waterway tested in the state, The reports also show that the river continues to contain more adverse chemicals and metals compared with other bodies of water statewide.Where does the Water Come From?Water enters the SVRP aquifer from several sources including:PrecipitationInflow from upland bedrock watershedsSeepage from lakesSeepage from the Spokane RiverWater from irrigationEffluent from septic systemsHow has your waters journey affected its quality? And what does this mean for YOUR quality of life?Because the aquifer serves as the sole source of water for most people in the area it is important for the water to be continuously tested to ensure that it meets federal standards. However the water’s journey from testing site to your faucet can cause the water quality to change. From broken water and sewer lines, chlorination stations, and miles of old water pipes it is important to conduct water tests at the home to paint an accurate picture of your specific water chemistry. The United States Environmental Protection agency (EPA) recommends homeowners test their water annually or even more frequently in some situations. Click the link below to find out more:Spokane Rathdrum Prairie Aquifer

When landlords screen would-be tenants, they look for financial reliability and safety around their property and other tenants. To be financially reliable, the tenant applicant must prove they’re financially stable and manage their income well. Safety considerations involve proving character through effective communication, proactive effort, and reliable references.

This guide explores the 12 circumstances that can disqualify you from renting an apartment. We’ll explore why landlords may reject an application based on these factors and provide actionable steps to address and remedy each situation.

4 Factors to What Can Disqualify You From Renting an Apartment

Being transparent about any of these factors is crucial during the application process. Failure to disclose significant details to the landlord may lead to complications and potential eviction later on.

#1 Your Income is Not Enough for Rent

According to the Office of Policy Development and Research, US housing costs must be 30% below income to afford housing. For instance, the average monthly rent is $1,377 in Spokane, Washington. Therefore, applicants are generally expected to earn at least $4,590 monthly to afford rental expenses comfortably.

The landlord will ask for pay stubs, bank statements, and employer references to verify income. These documents help confirm whether the applicant has a steady and reliable income to meet rental obligations. Failure to demonstrate adequate income may result in the application being disqualified.

What to Do:

Make sure that your required income documents (pay stubs or bank statements) match the income listed in your application. Any discrepancies between the stated income and supporting documentation could result in automatic disqualification. 

Fabricating or inflating income information also risks potential legal consequences. It’s essential to accurately and honestly fill out the rental application to avoid such pitfalls.

 

#2 Poor Credit Score

Landlords assess applicants’ credit scores to measure their financial responsibility and management. A low credit score can signify a history of late payments or economic hardships, raising concerns if the applicant can meet rent obligations promptly.

A favorable FICO credit score typically falls around 670. FICO, or Fair Isaac Corporation, scores are widely used to evaluate creditworthiness based on credit history.

What to Do:

If your credit score is low, consider alternative arrangements to secure the rental. options include offering a higher security deposit or rent upfront for several months. Doing so gives your landlord more cushion to fall back on if you default on your lease.

Another approach is to enlist a guarantor who commits to covering rent payments in the event of default. Guarantors can be trusted family members or third-party services. However, they typically need to meet higher income requirements than tenants.

Additionally, actively work on improving your credit score over time. Credit scores can be improved with on-time bill payments and maintaining low credit card balances. Consider exploring credit builder loans and rent reporting services. These services enable credit improvement without the risks of maxing out your credit card.

We also recommend contacting a second chance approval service company. This service refers to properties that accommodate credit issues.

 

#3 Your Debt-to-Income Ratio is Outside a Landlord’s Threshold

The ratio of your monthly debt payments to your monthly income is called debt-to-income (DTI) ratio. A high DTI suggests that most of your income goes to debt repayment. It signals potential financial instability and challenges in meeting rental obligations on time.

Landlords determine their DTI thresholds, guided by the Fair Housing Act. Their regulations prohibit them from setting disproportionately high thresholds that may discriminate against low-income renters.

According to the Motley Fool, an ideal DTI typically falls at or below 35%. If your DTI ranges between 36% and 49%, it may still be acceptable, but landlords may scrutinize additional factors to assess your suitability as a tenant.

What to Do:

You can lower your DTI ratio by taking care of smaller debts. Consider augmenting your income to facilitate higher debt repayments.

Negotiating reduced interest rates with creditors or obtaining a loan co-signer can also help alleviate financial strain and reduce one’s DTI ratio.

 

#4 Presence of Evictions in Rental History

A history of previous evictions can lower the chances of being approved as a tenant.

A landlord checks for eviction history by asking the applicant for their previous landlords’ contact information.

They can also check an applicant’s eviction history by checking their court records. Court records can be accessed by visiting the courthouse, their state’s website, or asking the courthouse for a mailed copy.

What to Do:

If you have a history of evictions, it’s advisable to be transparent with your landlord. Providing context, such as a job loss or medical emergency, can mitigate the negative perception associated with evictions.

Additionally, furnishing references from previous landlords, employers, or other reputable individuals can prove your reliability.

Offering increased financial security can remedy landlord concerns in cases where references are limited. Consider proposing a larger security deposit, advance rent payments, or securing a financially stable co-signer. You can also show your commitment to pay on time by having automatic payments.

Alternatively, explore second-chance leasing programs tailored for individuals with eviction histories to find a suitable apartment within the area.

Successful Apartment Renting Where You and Landlords Will Benefit

Applying for apartments can be exhausting but rewarding: you’ll have an apartment you can call home. There are reasons to what can disqualify you from renting an apartment. Still, with good references, assistive services, and actionable steps, you’re bound to find an apartment that meets your needs and preferences. Trust is a two-way street. Don’t forget that you can negotiate with your landlord where both of you would benefit when renting with them.

Ready to embark on your apartment search? Explore our range of apartments in Spokane, W, to kickstart your journey towards finding your perfect home.

Goodale & Barbieri | Renting an Apartment

With retirement approaching, it’s a good idea to familiarize yourself with what can cost you your Social security benefits or what you can collect on top of them. Also, if you’re receiving Social Security Disability, will your retirement affect those payments? These are important topics to cover, just as knowing what SSI and SSDI are, when to file for each, or switching from one to the other. Collecting Social Security and DisabilityMany people confuse their social security retirement with supplemental security income, but they are entirely different programs and that matters a great deal if you’re hoping to collect social security disability. The issue here is eligibility and what those payments look like, while it’s tempting to think that applying for various forms of social security will make for higher payments, it isn’t how it works. Essentially, the social security office will only pay you whatever is higher if you’ve filed for both. In most cases, the SSI disability is higher until you reach the age for full retirement which will then automatically convert to your retirement benefits. There is a rare exception to the automatic conversion rule and that is when someone opts for early retirement but is then approved for SSDI benefits. This way you can receive early retirement payments until the disability insurance is approved and the additional money comes in on top of the early-retirement benefits, likely along with the retroactive benefits. Can You Switch from SSI to SSDI?Yes, you’re able to switch from SSI to SSDI. If you file for early retirement and then suffer from a disability, you can apply for SSDI benefits. If approved, they will switch your early retirement benefits to SSI disability benefits. This is also true in reverse. This is one of the instances where you would want to speak with an SSI or SSDI lawyer before making any filings or claims, to ensure you’re not robbing yourself of a higher payment or missing an opportunity to benefit from what is rightfully yours. It isn’t uncommon for people to file for SSDI, only to find their social security retirement was much higher, and are now unable to collect. Filing for Disability and Social Security at the Same TimeThis is another common “trick” people employ to try and receive both social security disability and social security retirement insurance, but it can have costly ramifications. People who retire early and apply for disability at the same time run the risk of their SSDI being denied, then being forced to collect lower benefits for the rest of their life. While this is an option for people who are quite impaired and it’s all but guaranteed they’ll get their SSDI benefits, you have to ask yourself if it’s worth the risk. This is another area where it pays to have a lawyer well versed in social security disability benefits and the social security administration. A Guide to Social Security Disability and Social Security BenefitsIf you’re considering filing for both social security benefits and SSDI, it’s important you have the right guide to ensure you get what is rightfully yours. Being denied social security disability and getting lower SSI benefits is a scary and stressful time, especially if counting on that extra income makes you think you cannot afford an attorney. Getting what you need to live and have what you deserve is too important to leave to chance. Partner with an experienced ally that is by your side from start to finish to better secure your benefits. Secure What's Yours

By Ambassadors Ajla and GabbyThe expectations of saving for college can seem scary as students go into their senior and junior years of high school. But with careful planning, it is possible to achieve financial independence.In this blog post, we’ll be discussing strategies and tips to help you save for college while still managing a day-to-day life. By embracing these habits early on, you can prepare for a brighter future without being troubled by excessive student loans.Have a Savings & Checking AccountMake sure to open a savings and checking account so that you are able to have a place to safely store your hard-earned money. Canopy’s Young Adult Accounts are a great place to start for students with perks such as a free rewards checking account and access to a uChoose Rewards Visa card. While most people know that having a savings account is very important, it is important to know that a checking account is also essential. Using a checking account for easy access to money for essentials and a savings account for setting aside your goals is a great way for teenagers to begin to manage their money.Get a Part-Time or Summer JobA great way to save up for college is to work, either during the summer or during the school year. Even minimum wage jobs provide you with a steady source of income that you can budget and save.Jobs also provide great opportunities to practice the type of time management and responsibility that will be crucial in college. Look for opportunities that line up with your schedule and interests, such as tutoring or part-time customer service roles. Not only will this help you save money, but it will also provide valuable work experience that can improve your resume for later on. Set Monthly Goals for your SavingsSetting realistic goals is a crucial step in preparing for college. Determine the total amount you need to save and break it down into manageable monthly or even yearly targets. Dealing with smaller numbers is much easier than having to deal with a big number. This will help you stay focused and motivated throughout your college savings journey.Create a BudgetCreating a budget is crucial for any student looking to save for college. Start by tracking your income/expenses to find any areas where you can cut back. Prioritize your needs over wants and assign a specific amount of your income towards a college savings. By sticking to a budget, you can ensure that your savings grow steadily. Take College-Level ClassesAP (or advanced placement) classes allow high school students to earn college credits while still in high school. This can save you time and money by reducing the amount of classes and credits you’ll need in college. AP classes are also an amazing opportunity to take hard, college-level classes with a smaller class size and more one-on-one teaching that most college classes don’t typically include.Also, running start is an option for some high school students. By taking classes at local community college, students can work toward an AA degree while still in high school, shortening their time needed at a four-year school. Apply for Scholarships Many scholarships are created specifically for high school students and can help you pay for some, or all of your college education. Research and apply for scholarships and grants that align with your academic achievements, extracurricular activities, or personal background. Be driven in seeking out these opportunities and ensure that you meet all the application requirements and deadlines. Work on improving your GPA and talk to your school counselor to find out what options are available to you.If the cost of attending a four-year college seems overwhelming, consider starting your education journey at a community college or even online. These alternatives often offer more affordable fees, allowing you to save money while still receiving a quality education.Saving for college as a student requires control, planning, and a willingness to make sacrifices. By setting clear goals, creating a budget, exploring employment, seeking scholarships and grants, and considering alternative education options, you can pave the way for a financially independent future. Start today, and watch your savings grow as you embark on your educational journey. To find out more, click the link below. Canopy Credit Union | Saving For College

Sinus Infection Tooth Pain: How They Are LinkedSinuses are spaces in your skull. They warm and moisten the air so that they are fit for you to breathe in. The largest sinuses, called the maxillary sinuses, are above your upper molar teeth. When the maxillary sinuses are infected, they can also affect the closest areas, such as your upper molars. Sinusitis causes tooth pain in two ways:Referred pain from sinuses, teeth, and gums share the same pain-transmitting nerves. Congestion puts pressure on the root of the upper molars, causing discomfort. Can Sinus Infection Cause Tooth Infection?No, a sinus infection cannot cause tooth infection. However, a tooth infection can spread to the sinuses and cause sinusitis. Dental infections can cause 40% of chronic sinus infections.Can Sinus Infection Cause Tooth Pain in Front Teeth?The maxillary sinuses are above the upper molars, making them less likely to cause tooth pain in the front teeth if the sinuses are infected. We advised that you schedule an appointment with your doctor to learn more. How do I Know if My Toothache is a Sinus Infection? Causes and SymptomsSinuses produce mucus to keep the air moist and prevent the inside of your nose from drying out. If the sinuses are irritated or infected, they can swell and get congested, causing pain in the upper molars.What are the Most Common Symptoms of Sinus Infection Tooth PainTogether with sinusitis signs and symptoms, the most common symptom of sinusitis tooth pain is toothache on more than one adjoining upper molars. The pain is not localized on one tooth. Another common symptom is pain aggravated by movement. Movement like jumping up and down can aggravate sinus tooth pain. Pain can also be aggravated by bending over or lying down. The motions can cause congested sinuses to press on the roots of the molars with more force. Meanwhile, lying down can lessen the pain.How Long Does Tooth Pain Last with Sinus Infection?It would depend on the severity of your sinusitis. Since sinus tooth pain appears more in acute sinus infection, said symptom can last up to ten days. Effective Remedies to Relieve Sinus Pressure in Your TeethSinusitis Home RemediesSince the congested mucus promotes germs that cause sinusitis, the goal is to decongest. Here are remedies you can try at home:HydrateDrinking fluids can help thin the mucus and promote drainage to the nasal cavity.Warm CompressA warm compress over the sides of the nose can warm the sinuses and loosen mucus.SteamingBreathing in the steam of a bowl of hot water or a hot shower can loosen mucus. The warm, moist steam can soothe irritated nasal passages and make breathing easier.Sinus FlushingFlushing your sinuses with warm or room-temperature saline solution can help moisturize the lining of your sinuses. It can also loosen mucus and Clear nasal cavities. DecongestantsDecongestants can help relieve symptoms. Topical decongestants shouldn’t be used for more than seven days as they can cause symptoms to worsen. The same can happen when using decongestant nasal sprays for over Three days.Toothache Home RemediesCold compressA cold compress on the painful area for 10-15 minutes several times daily can numb tooth pain. Over-the-counter Pain RelieversYou can take OTC pain medications such as acetaminophen or numbing gels to treat sinusitis dental pain. Do I Need Antibiotics for a Sinus Infection?Since most sinus infections get better without antibiotics, antibiotics are only prescribed by the doctor if other treatments don’t work, and they suspect bacterial infections. Antibiotics are only prescribed when other medications don’t work because they can cause mild to rash side effects, from rashes to severe allergic reactions.When to Seek Professional Dental and Sinus CareWhile you may need to consult your dentist to confirm if you have sinus or dental-related tooth pain, please schedule an appointment with your doctor if you experience any of the symptoms:Tooth pain that persists after the sinusitis has disappearedSevere painFever that lasts more than three daysSymptoms that persist for more than ten days without improvementSymptoms that got better then got worseInability to eat or drink due to dental or facial pain.If you’re looking for sinus relief or interested in learning more About sinus surgery, click the link below!Explore Sinus Surgeries

When it comes to positioning electronic hardware, spacers and standoffs are two common types of fasteners used to create space between two objects. Although they may look similar, there are important differences between spacers and standoffs that make them better for different applications. Choosing a spacer or standoff for your electronic hardware is important and understanding which applies better will help produce better quality hardware while avoiding problems that may arise later. Below, we discuss the differences between spacers and standoffs, their common uses, and the different types available in the market.Standoffs: What Are They and When to Use ThemStandoffs are threaded fasteners that are used to create space between two objects while providing a solid and secure connection. They are typically used to mount circuit boards, panels, and other electronic components inside an enclosure or chassis and come in various sizes, and lengths, and are available in both male and female threading.A male standoff has threads on both ends, while a female standoff has threads only on one end and a smooth bore on the other. The female standoff is typically used to create space between two circuit boards and the male is used to connect a circuit board to a chassis or enclosure.Standoffs are commonly made of materials such as brass, aluminum, and stainless steel. The material is an important choice to make as well:Brass is a popular choice due to its excellent electrical conductivity and corrosion resistance.aluminum is lightweight and has good thermal conductivity. Stainless steel is highly durable and can withstand harsh environments.There are two common types of standoffs: A standard standoff has a hex-shaped body with threads on both ends Swage standoffs have a round body with threads on one end and a flat or rounded head on the other and are often used in applications where the head of the standoff needs to be flush with the surface. Spacers: What Are They and When to Use ThemSpacers are non-threaded fasteners that are used to create space between two objects. Spacers are used in applications where the distance between two objects needs to be maintained but where a solid connection is not required and are available in various sizes, lengths, and shapes, including round, hexagonal, and square.Spacers are commonly made of materials such as nylon, aluminum, and stainless steel:Nylon spacers are lightweight, non-conductive, and have excellent resistance to chemicals and UV light. Aluminum spacers are lightweight and have good thermal conductivity.Stainless steel spacers are highly durable and can withstand harsh environments. When to Use Spacers vs. StandoffsWhether to use a spacer or standoff depends on the specific application requirements:When a solid connection is needed between two objects, such as mounting a circuit board to a chassis or enclosure, then standoffs are usually more appropriate. When a solid connection is not needed, and maintaining a specific distance between two objects is the goal then spacers would be a better choice. Essentially, standoffs are used in applications where vibration and shock resistance are important because they provide a more secure and stable connection than spacers. Spacers, on the other hand, are used in applications where weight and cost are a concern, such as in consumer electronics.Stand Offs or Spacers?When choosing an appropriate fastener for a specific application, it is important to consider factors such as the required distance between two objects, the level of vibration and shock resistance required, and the weight and cost of the fastener. With the right choice of fastener, you can ensure that your electronic components are mounted securely and positioned correctly.Discover a wide variety of materials, platings, threads, and length combinations for your unique applications in metric, standard, and custom inch sizes by clicking the link below! Lyn-Tron | Electronic Hardware & Electronic Components