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Nobody is eager to file bankruptcy, and for some people struggling with debt there are other viable alternatives. For most people, doing nothing and hoping for the best is not a viable alternative. Still, it’s one that far too many people choose.

We meet weekly with individuals who are currently working but becoming eligible for Medicare. Their dilemma is often whether to stay on their employer coverage past the age of 65 or go on Medicare.

One of the most common problems I see among dental patients is that of bruxism, or chronic, habitual clenching and grinding of the teeth. Bruxism affects people of all ages, from very young children to older adults. We most easily recognize bruxers by the excessive wear on the chewing surfac…

When you go onto Medicare, the preventive services you receive will be filed under Medicare Part B. You will find that Medicare encourages you to have your preventive screenings completed. You can go to Medicare.gov to see a list of the screenings that are considered preventive services or f…

Employment generally in the United States is considered to be “at will”. That means that employment may be ended by the employer or the employee at any time. There are certain restrictions, the most common of which is probably employment through a contract. An employment contract will specif…

The process of moving to a new home can be overwhelming. These easy-to-follow suggestions can help make the move a little more manageable.

BEFORE SHE BECAME KNOWN INTERNATIONALLY AS “THE MOST BEAUTIFUL WOMAN IN FILMS,” Hedwig Kiesler was trapped in a prison of gold. At age 18 she starred in her first film, Ecstasy, which was quite racy for 1933. Afterwards, a wealthy arms dealer caught her attention and they were wed. Hedwig qu…

A root canal becomes necessary when infection has found its way into the pulp--commonly referred to as the nerve--of a tooth. In a healthy tooth, the outer enamel and dentin layers protect the pulp from infection, but a deep cavity, a crack or a break, or hard impact on the tooth (such as a …

As the groom stepped into his place, he let out a sigh. Actually, it was more like a “Whew!” – except the pursed-lip exhale was a little more prolonged – like “Swhooo…” Then he shook it off, took his hands out of his pockets and stood ready for his bride. As I analyzed what his momentary act…

Choosing the Medicare supplement, or Medigap plan, that’s right for you can be a difficult task. As mentioned in a prior article the most common Medigap plans sold in Alabama are Plan A, Plan B, Plan C, Plan F, Plan G and Plan N. Each of these plans are “standardized” by Medicare. “Standardi…

When disputes in Europe became so numerous that the kings could not hear and decide them all, those kings created what is now the court system. Those rulers allowed their subjects to sue one another, but they were never allowed to sue the sovereign. To this day this is known as “sovereign im…

1. First and Foremost, be ready! Talk to your mortgage professional about your financial situation and credit history to determine your loan options. GET PRE-APPROVED. It’s important to know how much house you can afford based on your down payment and income. A strong letter of pre-approval …

Did you know that nearly 50% of all women suffer from unexplained headaches, migraines, earaches, neck pain, jaw pain, vertigo or shoulder/arm pain? Throughout the course of my practice, I consistently had at least one patient a week asking if there is anything I can do to alleviate these pa…

Lots of my friends are absolutely convinced that Facebook is using their phone’s microphone to listen to every spoken word. I’ve written before about how this is actually improbable from both a technical and legal standpoint. There simply isn’t enough computing power and hard drive storage s…

I remember several years ago seeing an ad for a fur coat with the following description: “Genuine Imitation Fur”. Can you imagine a sillier way to advertise? Did they think that using the word genuine in the ad would improve the reader’s opinion of the coat? It seems to me that they were sho…

Owning a pet is a big responsibility. Dog owners are responsible not only for the health and safety of their pet, but also protecting people from injury. Most dogs will never bite but it is important to remember that any dog, regardless of breed or type, can bite under certain circumstances.…

If you are considering a Medicare Supplement, or Medigap policy, for the first time there are some important facts you should know. To begin with you have to be enrolled in Medicare Part A and Part B to sign up for a Medigap plan. If you choose to sign up for a Medigap plan, you then will pa…

We recently had a very nice young man who is an outstanding college student call with a question that is a very real problem for him. This young man had gone to Panama City at the end of the Spring semester for vacation. In Panama City a dump truck backed into his car, breaking the mirror an…

Early childhood caries (cavities) (ECC), formerly referred to as baby bottle tooth decay, remains a significant public health concern.1  As a Pediatric Dentist, I am  strongly in support of the American Academy of Pediatric Dentistry (AAPD) and American Academy of Pediatrics (AAP) recommenda…

Technically, any individual can file for Chapter 7 bankruptcy unless the debtor, in the preceding 180 days, either:

Q: I was hit in a parking lot by a teenager who was on her cell phone and not looking at all when she backed into me. She was still on her cell phone when she got out of the car. The police would not make a report because it was on private property and I only have liability insurance. The wh…

There you are… just be-bopping down the interstate and all of a sudden you see brake lights for miles. The worst part of a traffic delay is when you can’t see what has you stopped and you have no idea how long you’re going to be there.

So many champions in our area! At this writing, Muscle Shoals and Brooks have won Golf State Championships, And Coach Jay Mitchell’s Mars Hill Panthers have brought a second State Championship to The Hill this year, this one in Baseball! Brooks also won the State Baseball Championship in 4A.…

Medicare supplements, also known as Medigap policies, are designed to help cover some or all of the deductibles, copays and coinsurance that Original Medicare does not cover. Medigap policies are sold through private insurance companies.

“Bad teeth” are commonly thought to run in families. However, there are very rare instances where this is true. There are certain enamel (the outer most and strongest layer of the tooth) defects such as Amelogenesis Imperfecta, but this diagnosis is rare and is usually accompanied by other p…

Man, time flies, doesn’t it? It seems like yesterday that I was writing about the “end of support” for Windows XP. That was in 2014 when we were just babies! Anyway, it’s happening again soon. Microsoft will end “support” for Windows 7 on January 14, 2020. That date will be here before we kn…

One thing that every attorney should do every time is put the client first. A lawyer should add value to the case and one of the things that personal injury lawyers do is find more money.

There are three ways your doctor can be paid if you are on Medicare. The three ways are through Medicare assignment, Medicare excess charges or by not taking Medicare at all. Today we will discuss these three methods.

Hospitals are usually one of the last places a person wants to visit. It’s usually a relief when a patient leaves and returns home. That is until the medical bill arrives in the mail a few weeks later. Medical bills rarely end up being an amount the patient expects, as it is virtually imposs…

The usual course of events in an on-the-job injury case begins with an injury and ends with the court approval of a monetary settlement. In between those two events are medical treatment and recovery.

As dentists, we’ve heard these phrases a million times: “I wish my teeth were whiter” “I hate how crooked my teeth have gotten” “I sure do wish my smile was as pretty as yours.” Nowadays, everyone seems to want a “better” smile.

Durable Medical Equipment are items such as walkers, wheelchairs, and hospital beds that are used in the home. Medicare will cover certain durable medical equipment only if your physician prescribes it. To be prescribed the durable medical equipment must be: durable, or reusable, used for a …

The road to buying a home is filled with bumps, but probably none bigger than the home inspection process. We see so many times where a buyer walks into a beautiful home, falls in love, enters into a contract and then upon receiving the inspection report they change their minds completely.

The only time a worker in Alabama is protected legally from being fired under state law is when they are terminated in retaliation for making a claim for workers compensation.  The federal protections of race, creed, color, age, etc., still exist.

Have I told you guys that I love getting emails from you? Especially when those emails ask a question that I can turn into an article at a time when I’m struggling to come up with an interesting article? Well, I love getting emails from you so keep them coming.

I will be turning 65 in 2019. Will I automatically be signed up for Medicare Part A and Part B?

Well, I finished my work day and not everything had gone as planned. Truly, I left that day thinking that I needed to get better at what I do. By the time I got home, I just wanted to find my husband and my house shoes. But then there was the question of dinner, and my husband said just the …

Every day I meet patients who desire a whiter, brighter smile. Whitening your teeth is a very safe and simple option. Teeth stain or darken due to various factors, but the most common are tobacco use, age, trauma, certain medications, and various foods and drinks. Examples of drinks that cau…

It seems like potential cuts to Medicaid are all over the news lately. People who confuse Medicare and Medicaid are obviously concerned. This is easy to do because they both can be related to a person’s health insurance. Although they coordinate in many ways, they are two distinctive programs.