| Subject: Re: Finances |
Author:
Tiffaney
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Date Posted: 14:34:45 08/12/04 Thu
In reply to:
Thunderthumbs
's message, "Finances" on 11:40:11 08/10/04 Tue
Brad,
I have to say I side with your wife on this one. A few month wait isn't that big of a deal as far as your braces go but it can make a huge financial differenct.
I used my work's flex account to pay for my braces and it really worked out great. My braces should have cost $3600, my insurance paid $1500, my ortho gave me a $300 cash discount, so the actual after my tax discount for my braces was like $1600!! My ortho will let you make payments over the entire procedure but charges a very high interest rate (like 18%).
It is also really nice to go into the office and know that I will not have to write a check (and as of the end of January my braces are totaly paid off what a wonderful feeling)
Good luck!
Tiffaney
>After about 20 years of apprehension of dentists,
>braces, and coming off the tail end of surving cancer,
>I feel like at 30, I have a 2nd chance at life and to
>do the right things in life and also for my mouth. I
>got as far as impressions and x-rays for my mouth and
>the next appopintment was to be for braces- which I
>cancelled and am really unhappy about it even though
>I'm still scared of braces.
>
>I cancelled the appointment because my wife wanted me
>to wait until January 2005 when I can use her flex
>spending dental plan. It would be debt or an expense
>either way you cut it. I cannot deny how the terms
>under which that debt (particularly $4000 or more)
>occurs could make significant differences in the day
>to day/week to week financial situation, as well as in
>finance charges over the long haul. I understand this,
>and understand her compelling desire to not incur any
>more debt (period) but frankly, I feel I have a
>certain momentum in addressing health, wellness and
>life issues which I've never had before and I feel it
>is critical to act without delay whereas she does not
>seem to. As they say, "Timing (seems to be) is
>everything"
>
>Not to play "good guy or bad guy" but I would guess my
>wife does not see the challenges I'm trying to
>overcome as I see them despite my explanations, but
>who am I to say that our debt is not important when I
>know it certainly is. We've discussed, but I stay with
>my position and she with hers- call it irreconcilable.
>As it stands now, I'm on the loosing end (in a sense)
>until January which is very dissapointing, but I guess
>"I win" when I have a wife who will not feel the
>weight of added debt for at least these next couple of
>months. And as you married folks well know, financial
>pressures can be ruinous to marriages and affect the
>many interpersonal issues contained within. I value my
>teeth, but I value my short and long-term marriage
>more. Perhaps I've answered my own quandry. Suck it up
>'till January?
>
>Any similar thoughts, tales or suggestions would be
>nice. If I can't fix the problem it might be nice to
>know about others in the same boat.
>
>Thanks,
>Brad
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