Tips for Taking Care of Your Teeth beyond Your Dental Insurance

There are a lot of people who have family dental insurance but they don’t take good care of their teeth.  Here are some things that you should remember when you are taking care of your daily dental care.

• Gums shouldn’t bleed when you brush. This indicates a problem with periodontal disease.  You should be examined by a dentist to evaluate your disease and suggest a good regimen.
• Choose a mouthwash which has fluoride. These kinds of mouthwashes strengthen your teeth and may help with preventing decay no matter what age you are.
• Eat a lot of foods that are rich in calcium, like low-fat yogurt, cheese, and milk. It’s essential for strong bones and teeth.
• Stay away from sticky sweets like soft candies, pastries, taffies, and toffees. These kinds of foods will stick to the teeth and feed the bacteria which cause decay. When you consume sweets, eat them when you’re done a meal. If you eat them alone, they’re a lot more likely to stay stuck in the teeth.
• Eat foods that are crunchy and that will naturally clean your teeth, like carrots, applies, and other kinds of raw vegetables.

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Refinancing for underwater mortgages

As of March 17, 2012, a new program known as HARP or the Home Affordable Refinance Program has been introduced by the U.S. Government to help underwater homeowners. In order to qualify for the program, prospects need to meet two following criteria.

• Your loan must be backed by Fannie Mae or Freddie Mac, and
• Your current mortgage must have a securitization date prior to June 1, 2009.

If your current mortgage is backed by FHA, USDA, or a jumbo loan, you are not eligible for HARP. You can check whether your mortgage is backed by Fannie Mae or Freddie Mac by visiting www.fanniemae.com/loanlookup/ or www.freddiemac.com/corporate/. In addition to the above criteria, you also must meet several others. Your mortgage must be current; no late payments at least 11 of the most recent 12 months; and not used the program before. Keep in mind only one HARP refinance per mortgage is allowed.

HARP is not a mortgage forgiveness program nor is it a principle reduction program. It doesn’t allow cash out either. If you meet the above criteria, it doesn’t matter how much you are underwater. Under the HARP, there is no loan to value ratio. Investment properties do qualify for the program.