Young

Start Em Young: When to Schedule Your Kid’s First Dentist Appointment

Dental health is incredibly important, not just for your teeth, but for your entire body. In fact, dental disease has been linked to other health problems, such as heart disease, stroke, pneumonia, and low-birth-weight in infants.

So it’s important to have regular dental checkups every year, but when should you first take your child to have their first dentist appointment? The answer may surprise you, read on to find out!

At What Age Should Your Child Have Their First Dentist Appointment?

Typically, your child’s baby teeth will begin to come in around 6 months of age. Every child is different, however, and some children don’t begin teething until closer to 12 months, or even older. The lower front incisors are typically the first teeth to come in.

As soon as that first tooth is visible, it’s time to make your appointment. You want to have your child see a dentist right at the beginning because the dentist will be able to check and make sure that your child’s teeth are developing normally.

If you have an established family dentist, they may be able to see your child, or you can make an appointment with a pediatric dentist who specializes in children’s teeth. Your pediatrician should be able to recommend someone if you are having trouble finding one.

Benefits of Starting Dental Appointments Right Away

It may seem like overkill to some to see a dentist for a single tooth, but there are several benefits of starting your child’s dental relationship young. The first benefit is the opportunity for early intervention. The sooner a dentist can check on your child’s tooth development, the sooner they can intervene if there is a problem.

Another benefit of seeing the dentist right away is the comfort of your child. Many children can be frightened of the dentist, but exposing your child to dental checkups, and making them familiar with their dentist at such an early age helps them to get used to it and consider it normal rather than scary. 

Lastly, establishing good dental care is important for children because the prevention of cavities is much better than treatment. The only thing worse than a baby with a toothache is what you have to do to fix it. Small children cannot use the same numbing and sedation medications that adults do when they get cavities filled and have to undergo a much more dangerous procedure where they are put under general anesthesia and go to the operating room just to have a cavity filled!

Start Them Early, It’s the Tooth!

So you see, as soon as you see that first tooth, a first dentist appointment is not far behind. Making sure that your child establishes dental care early will ensure that they stay healthy and keep that beautiful smile you love so much!

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Top Financial Tips Young Investors Must Remember

Did you know that the Social Security Retirement age keeps increasing and will rise to age 67 for those born 1960 or later? It’s important to invest young so you can retire when you want no matter the age! Young investors have certain tips and tricks they abide by which will lead to higher returns.

You can be a young investor, and have all of your dreams and goals come true for your savings. In this article, you’ll learn all about investing the right way and tips for investing young. Read on to discover these tips and be sure to implement them! 

1. Young Investors

Dreaming of investing and building your savings? The first and most important thing to do is to start! If you’re feeling overwhelmed, just know that you can learn by doing. When you’re a young investor you have time on your side, you’re young so have plenty of time to study the market and strengthen your strategies.

2. Compounding

Investing young you can take advantage of what’s called compounding. Compounding is a return earned on your principal and past returns. If you have your money in an investment account, it’s the percentage you earn on top of the original investment and previous earnings. 

If it’s a traditional bank account it’s the interest on that amount plus past interest earned over time. As you see here, the sooner you begin investing the more compounding can happen! 

3. Hold a Diversified Portfolio and Risk Take 

Investing is also about taking risks to build. One of the best ways to invest money in your 20’s is to build a diversified portfolio. It’s great to have your savings, but you’ll want to invest as well to build up your savings and never to put your eggs in one basket. 

It’s important to use stocks, bonds, and assets because the more places you have your money, the lower the chances of losing a lot of money. 

Would you like to be a rich and young investor? Check out Ari Rastegar.

4. Make Regular Contributions 

When you’re investing young, you’ll want to make regular contributions in your investment accounts. You’ll want to come up with a certain % that comes out of your paychecks and into your investment accounts.

When done well this not only will set you up for the future but will make sure it’s a steady amount that won’t hurt the bank. 

5. Save More as You Age 

When you’re in your 20’s you might have more goals such as buying a home, paying off student loans, or purchasing a car. It’s great to have those goals, but also make sure you’re saving and investing. 

As you age, you’ll want to invest more. When you’re young, you can invest and still go after your goals, once you reach those goals, you can increase your investing percentage. Along with raises, you might not even notice the increase! 

6. Avoid the Seven Layer Dip of Fees 

When investing, the choices can be overwhelming and confusing about what’s considered smart investments young adults. You’ll want to seek guidance from a financial advisor or broker to avoid large fees and losses. 

Watch out for these fees:

• Mutual Fund Surrender Penalties 
• Mutual Fund Fees
• Brokerage Trading Commissions
• Wrap Management Fees
• Internal Mutual Fund Operating Costs
• Markups on New Issue Securities and Bonds
• 12b-1 Fees

Always speak with your advisor about these fees and avoiding them! 

7. Never Withdraw Early from Your 401-K

 Your 401(K) is used for retirement and if you take money out too soon you can receive hefty fees. There’s a 10% tax penalty for withdrawing early from the IRS. 

It’s a good idea to have an emergency fund in case of a job loss, unexpected expenses such as work needed for your home, etc. This emergency fund is important so you won’t have to withdraw from your 401(K) and suffer from taxes!

8. Ignore Competition

Healthy competition is fine, but if you’re seeing celebrities on tv or people you know who are wealthy, avoid trying to keep up with them. If you’re not at that point yet financially, it’s best not to rush it, and better to keep your goals in mind. 

Remember, you want to be young investing, but also smart about it so you don’t wind up bankrupt! Don’t go investing with money you don’t have and wrack up the bills because you can’t pay off your student loans. 

If you’re looking at your friends traveling and their lush lives, keep in mind they might have just put that on a credit card, and might not be saving for the future. Focus on yourself and your life. Educate yourself on investing and bettering yourself with reading as many books and researching as much as possible! 

9. Automate Investments 

One of the best things you can do for your investments and saving time is automating your investments as much as possible. This will teach you to save over time and remember that you’ll have money for yourself plus for investing. A 401(K) is one way to do just that!

From your job sign up for your 401(K) and have them take your pay automatically out of your check. You can also automate your high-yield savings account and a brokerage account.

Next Steps

In this article, you learned all about young investors, and the tips they use for the biggest profits. Remember to come up with a goal and plan, and then make it happen.

You can invest as you learn, don’t worry about learning as much as possible at first. As you learn while investing, you’ll be able to see what works and what doesn’t. Before you know it you’ll be compounding and so glad you invested young! 

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