Posts Tagged ‘budget’

Is There A Difference Between Home And In-Office Teeth Whitening?

Saturday, March 27th, 2010

People with whiter teeth have a higher self-esteem and find it easier to work with other people, some may say they are easier going because they are at ease with mingling and conversing with people. Surely you have run into people like this and just the same people who are shy and do not want to open themselves up to other people because they might be suffering from very low self esteem partially because of their stained teeth.

Look no further than this article for great information on getting whiter teeth. You have basically two options: You can go into the dentist office and get teeth bleaching or you can do home teeth whitening. If you are not sure which option will best suit you, read on.

Bleaching agent strength. One of the primary differences between home products and in-office treatment is that the latter makes use of products that are of higher concentration. Home products contain 10 percent carbamide peroxide, which is equivalent to about 3 percent hydrogen peroxide. The in-office bleaching products, on the other hand, utilize 15 to 43 percent of hydrogen peroxide. If you do the simple math, you can easily see that the in-office products are more effective.

Speed of bleaching process. Treatment done in the dentist’s clinic gives quicker results because aside from the high concentration bleaching product applied on the patient’s teeth, the dentist also makes use of a special light and/or a laser to accelerate the whitening process. In-office bleaching treatments would give significant results after a session that lasts from 30 to 60 minutes. While you can see some initial changes in the color of your teeth after you use the home product for several days, significant results would be achieved after several weeks.

Cost. Where cost is concerned, the home products are of course a lot less expensive, as they only cost from $20 to $100. The in-office bleaching procedure can be a staggering $300 to $500 per session. This factor makes home products the better option if you are tight on the budget or if you want to save money. Online, you would be able to browse through different stores selling teeth whitening products at very affordable prices. Just make sure that you pick a reliable store that sells only the highest quality of products to ensure efficiency and effectiveness.

Protection for your teeth and gums can be a great concern. . In the office setting, the dentist applies a gel on the gum tissue or a rubber shield to slide over your teeth to protect the gums and oral cavity from bleaching effects. Over-the-counter teeth bleaching products usually do not come with protective wear.

If you are in a hurry in-office bleaching does have more advantages than home products. However, it is important to remember that over-the-counter products are also effective and safe, plus you do not have to spend much on the treatment. So the choice is yours, it might just come down to time and money, either way get started today and enjoy those beautiful white teeth.

Jane Pennington is the owner of www.teethwhiteningsmiles.com, and has been providing teeth whitening services and information since 2000 (ph. 800-700-3173).

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15-year market maker uncovers these ‘little-known’ trading strategies. You should really learn what a Put Options is

Monday, June 22nd, 2009

A put option is a contract between two parties (a buyer and a seller) whereby the buyer acquires the right but not the obligation to sell a specified stock or other underlying instrument at a specified price by a specified date.

The seller of a put option assumes the obligation of taking delivery of the stock or other underlying instrument from the buyer should the buyer wish to exercise his option. The put is known as a short instrument which means that the buyer profits from the stock going down.

For the seller to profit, the stock must not move below the strike price plus the amount of money received for the sale of the option. This point is referred to as the breakeven point and is worked out by adding the call’s strike price to the option’s premium. Of course, the purchaser wants the stock price to go beyond the breakeven point.

i.e. you purchase the MSFT January 65 put for $2.00 because you think Microsoft is going to go down. This option gives you the right, but not the obligation to sell the stock at $65.00. In order to obtain this right, you had to spend $2.00. In order for you to make money, the stock would have to trade down below $63.00 by expiration.

A UK Forex Trader Turned $2,000 Into $9,700 in Only 35 Days And Then Exploded His Account To A Jaw-Dropping $218,000?

This is because the stock has to fall below the strike in addition to the cost of the option. If the stock fell to $60.00, you would gain $5.00 because you have the ability to sell it at $65.00. However, because you paid $2.00 for the put, you must deduct that from your $5.00 gain for a total gain of $3.00. You have just made $3.00 on a two Dollar.00 investment. An excellent return.

The buyer of the put has limited risk and unlimited potential gain. His risk is limited only to the amount of money he spent in purchasing the put. His unconstrained possible profit derives from the stocks limitless downside potential.

The seller, on the other hand, has limited potential gain and unlimited potential loss. The seller can simply gain what he was paid for the put. The unlimited risk comes from the stock price’s ability to decline during the life of the contract.

For example, if a seller sold the MSFT January 65 put for $2.00, he is giving the buyer the right to sell 100 shares (per contract) of MSFT to him at $65.00 per share at any time until the option expires.

If MSFT drops and trades lower at $55.00, the seller would realize a $10.00 loss minus the sum he gained for the sale of the option ($2.00), for a total net loss of $8.00. Meanwhile, the buyer would realize a $10.00 profit less the amount he paid for the option ($2.00), for a net profit of $8.00 each contract.

If MSFT were to trade up to $75.00, the seller would realize a $2.00 gain (the sum of cash he was paid from the buyer). Meanwhile, the buyer would only lose what he paid for the option ($2.00). The seller is obligated to receive the stock from the buyer at the strike price irrespective of the current market price of the stock. This is why the seller gets a premium for the sale.

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