Teeth Whiten Tips

How to Whiten Your Teeth

The snuff, coffee, tea, cola, etc, all are products that stain our teeth. Other factors, such as age or the genes themselves, also contribute to color our teeth. Learn how to keep them white with these tips.

Keep your teeth clean

Nothing better to keep our teeth turn yellow to maintain them clean. Use proper oral hygiene: brush your teeth three times a day, one after each meal. The mouthwash is also very helpful in keeping our teeth clean.

How to Whiten Your Teeth

Limit consumption of certain foods and products

Reduce consumption of foods and products that stain our teeth: coffee, snuff, wine, cola, tea, etc. Preferably, after taking each one of these products please brush your teeth or use mouthwash.

Bicarbonate and water 

The only effective home remedy for teeth whitening is to mix baking soda and water into a paste and rub our teeth with it. However, this remedy is not always effective. Keep in mind that the teeth have three layers: the outer, also known as enamel, the average, also called dentin and internal. Bicarbonate and water using only be effective to clean the enamel, that is, the inner side of the tooth.

Go to the dentist

When the stain the teeth have broken through the outer face thereof and have reached the dentin, you will have no choice but to go to the dentist. Dentin is enclosed by small little tubes that are actually stained and give that yellowish look to the video. Clean these tubes on our own are impossible. Your dentist perhaps would undergo a treatment based on a gel of car-amide-peroxide or hydrogen-peroxide. After this treatment is done you should follow the instructions of your dentist in your home or outsides.

Pasta bleaching

Whitening toothpastes, as occurs with baking, are only effective to clean the outer surface of the teeth. However, they are effective in maintaining clean dentin tubes after being subjected to a bleaching treatment at the dentist.

By following these tips you will keep your teeth whiten and never get sham to smile in front of all.

Are Judges Allowed to Plagarize?

Are Judges Allowed to Plagarize?

The Supreme Court recently commented on how much copying judges are permitted to do in the course of their reasons.

In Cojocaru v. British Columbia Women's Hospital and Health, [2013] SCC 30, the trial judge incorporated large portions of the plaintiff's submissions into his reasons for judgment.  In fact, of 368 paragraphs in the judgment, only 47 were predominately the judge's own words.  The Court held that "while it is desirable that judges express their conclusions in their own words, incorporating substantial amounts of materials from submissions or other legal sources into reasons for judgment does not without more permit the decision to be set aside".  The judgment will only be set aside if a reasonable person would conclude that the judge did not put his or her mind to the issues and decide them independently and impartially.  The Court held that the decision should not be set aside.  The key factors appear to be that the judge did not accept all of the plaintiff's submissions, discussed a number of issues and stated his conclusion in his own words.
Insurance tips: Why are my life insurance premiums increasing?

Insurance tips: Why are my life insurance premiums increasing?

Here's are some life insurance tips from our consumer advocacy department, which gets a lot of insurance questions:

With long-term products such as whole life insurance, annuities, or long-term care insurance, it can be difficult to know which product or company is the best. Companies often give an estimate of how they expect the products to perform, but realistically, only time will tell which company and product will perform the best. Don’t fall for high teaser interest rates or low-ball premiums that are adjustable.

Our agency receives a lot of complaints from people whose universal and other whole life policies are underfunded and become too expensive to maintain. It’s important to realize that when you buy a whole life product, you’re actually buying a schedule of mortality rates.

No matter how young you are when you buy the policy, as you age, your mortality charges will increase so you’ll need to pay more to keep the policy in effect. Review your annual statements and illustrations to stay on top of how your policy is performing so that you can make sure that you pay enough premiums to keep the policy in effect.

And then there's this issue: A lot of people who have life insurance policies don’t tell the beneficiaries that the policy exists. As a result, the beneficiaries don’t collect on the policies when the policyholder dies. (Partly as a result of this lack of communication, there’s an estimated $200 million in unclaimed life insurance benefits in the U.S.) Also, life insurance policies often lapse when a dying or disabled person quits paying the bills. Remember to keep your life insurance beneficiaries informed so that they can make a claim on the policy after you’re gone and so that they can make sure the policy doesn’t lapse beforehand.

Litigation Privilege Protects Adjuster's File

Litigation Privilege Protects Adjuster's File

When does litigation privilege arise in tort claims?

Panetta v. Retrocom, 2013 ONSC 2386 (S.C.J.)

In this slip and fall action, there was a question of whether litigation privilege applied to an investigation done by an adjuster prior to defence counsel being appointed.  The plaintiff fell in a Wal-mart parking lot and an incident report was prepared.  A few weeks later, an adjuster retained by Wal-mart's insurers wrote to the landlord of the premises advising it of the incident.  The plaintiff sought production of the adjuster's notes, file and reports, on the basis that litigation privilege had not yet arisen at the time they were created/obtained.

Justice Quinn held that the notes were privileged:

[61]   I think that, in third-party or tort claims (as opposed to claims by an insured against his or her own insurer), there is no preliminary investigative phase where privilege does not attach to notes, reports and files of adjusters. In third-party insurance claims, the sole reason for any investigation by or on behalf of an insurer is because of the prospect of litigation. It is naive to think otherwise; and the fact that the investigation may be used to arrive at a pre-lawsuit settlement does not detract from the point that I make. The prospect of litigation inherently includes the prospect of settlement.

When the adjusters were retained to conduct their investigation on behalf of Wal-mart's insurer, the sole purpose of any documents they created was in anticipation of litigation.  The decision provides a helpful summary of the case law regarding litigation privilege (and as an added bonus, a nice example of Justice Quinn's sense of humour). 
The proposed health insurance rates for 2014: Where to find them and what they say

The proposed health insurance rates for 2014: Where to find them and what they say

A lot of people are wondering how health care reform will affect premiums for health insurance, including those plans that will be sold through the new Washington Healthplanfinder, our state's health insurance exchange.

The insurers selling plans inside and outside the Exchange have filed their proposed rates with our office. These rates include those for small businesses and for individuals buying insurance coverage on their own.

Our actuaries are reviewing the proposed rates, which we've posted on our website.

From what we've seen so far, we're pleasantly surprised. Many people will see rates similar to what they're paying now, or in some cases, lower -- and with substantially better benefits. While we have a lot of work to do in reviewing these proposals, and the final rates could change, we're definitely not seeing the huge rate increases that some insurers had predicted.

In most cases, the benefits are substantially better, particularly for the individual market. Today, most individual health plans don't cover prescription drugs or maternity care. When the Affordable Care Act takes full effect in January, they'll have to cover those things.

Also, in many cases, deductibles in the new plans are much lower than today and the new plans include approximately $500 worth of free preventive services, such as a wellness visit, some immunizations, cancer screenings, etc.

Finally, federal subsidies will help with the costs. If you earn less than $45,960 (or $94,200 for a family of four) you may qualify for a federal subsidy -- in the form of tax credits -- to help you pay your premium. You can get an estimate of that subsidy at the Washington Healthplanfinder site.
Job opening: Deputy insurance commissioner for our Company Supervision division

Job opening: Deputy insurance commissioner for our Company Supervision division

We're recruiting to fill an exempt position for the deputy insurance commissioner in charge of our Company Supervision Division.

The successful applicant will manage a wide variety of situations and influences the course of insurance affairs at the state, national and international levels.

The position is responsible for the financial and market examination and supervision of all Washington-organized insuring entities and all other insuring entities licensed to do business in this state. The position’s mission is to protect insurance consumers, the public generally, and the state’s economy by ensuring the safety and soundness of insuring entities, and to ensure that they comply with applicable law.

In addition, the position has broad statutory discretion and specific statutory authority involving the registration/licensing, operation, supervision, receivership, liquidation, and merger of insuring entities.
For more specifics, duties, salary, and more please see the full job listing.

When an insurer forgets to bill you -- and then suddenly remembers

When an insurer forgets to bill you -- and then suddenly remembers

Q: "My insurer is supposed to take my monthly payment out of my checking account, but didn't do it for three months. Now they want me to pay for three months all at once. Can they do that?"

A: Sorry to tell you, but the short answer is yes, since they provided coverage for those three months. But since they erred by not taking the payments on time, it's worth asking if they'll allow you to pay in installments, so you don't get hit with a triple bill all at once.

When you know that a monthly insurance premium is supposed to come out of your bank account and you notice that it doesn't, don't wait and hope that that means you get free insurance. Call your agent or insurer and find out what's going on.
Limitation Periods in Duty to Defend or Indemnify Cases

Limitation Periods in Duty to Defend or Indemnify Cases

When does the limitation period begin to run in duty to defend or duty to indemnify cases?

In Georgian Downs Ltd. v. State Farm Fire and Casualty Co., 2013 ONSC 2110 (S.C.J.), the applicant sought an Order compelling State Farm to pay its defence costs.  Georgian was a defendant in a slip and fall action, and State Farm insured Georgian's winter maintenance contractor.  Georgian was added as an additional insured to the contractor's policy.  The underlying claim was ultimately settled on the basis of the contractor's admission of liability.

One of the issues was when the limitation period began to run.  Although counsel exchanged correspondence back and forth about defence costs, there was no clear and unequivocal denial of Georgian's request for defence costs.

Justice Mulligan held that "when there is an absence of a clear and unequivocal denial of a duty to defend or a duty to indemnify, a limitation period commences on the day of judgment or settlement."  Using such an interpretation promotes certainly, since it fixes a readily ascertainable date, rather than being dependent on subjective questions of discoverability.

Presumably, if the facts were different and State Farm had clearly denied the request to pay defence costs, the limitation period would have commenced at that time.
Insurer Obligated to Continue Paying Defence Costs

Insurer Obligated to Continue Paying Defence Costs

Malaviya was insured under a Standard Automobile Policy (SAP) with Jevco for the minimum liability limit of $200,000.  He was sued following an accident in 2005. The insurer paid the limits of its policy, then sought a declaration that it had no continuing duty to indemnify or defend Malaviya.  The contentious issue on the application was whether Jevco was obliged to continue paying the insured’s defence costs.

Justice Morgan described the wording of the SAP as “muddled and contradictory”.  It failed to clearly answer whether the insured would pay the insured’s legal costs above and beyond the coverage limit.  On the other hand, s. 245(b) of the Insurance Act provides that the insurer shall bear the defence costs of a claim.  There is no limiting language in s. 245.  As a result, the insurer is obligated to continue paying defence costs of the insured, even when there is no further duty to indemnify. 

The  SAP may have to be modified in order to avoid this situation from arising in the future.
Job opening: Senior market analyst

Job opening: Senior market analyst

We're recruiting for a senior market analyst position at our Tumwater, Wash. office.

This position is responsible for conducting market analysis of regulated entities under the direction of the Chief Market Analyst. This position protects consumer's interests and promotes a healthy business environment in this state by providing regulatory oversight of market interactions between consumers and insurance carriers.

For more specifics, duties, salary, timeline, etc., please see the full job listing.

May 9 hearing set to consider Washington Dental Service reorganization and merger plan

May 9 hearing set to consider Washington Dental Service reorganization and merger plan

Insurance Commissioner Mike Kreidler has scheduled a hearing for 10 a.m. on May 9, 2013, in Olympia to consider whether he should approve or deny the request for the merger of Washington-based Washington Dental Services (WDS).

WDS has filed an application for its plan of reorganization and merger transaction that includes a proposed reverse merger of Washington Dental Service with and into a DD of Washington subsidiary to become a subsidiary of an existing holding company.

Here's a summary of the proposal, including background, history, and a brief explanation of the hearings process and what we look at. If the proposal is approved, WDS would become a subsidiary under a new holding company system. WDS would later change its corporate name to Delta Dental of Washington.

To view filed documents and information about the hearing process, go to Washington Dental Service #13-0115. (Scroll down a bit after clicking on that link.) Those documents include the notice of hearing, the reorganization plan, board resolutions, organizational charts, and other requests for transactions filed in this proceeding.

The hearing is open to the public. Any interested parties may submit letters of support or concerns or objections and/or may participate in the hearing by appearing in person or by telephone at no charge. For street address or directions on dialing in by phone (as well as more background on the proposal), please see the hearing order.

Rich Fiber Foods Slimming and Improve Health

Seven Rich Fiber Foods

The World Health Organization set to 25 grams the minimum amount of fiber that every person should consume daily. Foods rich in fiber have a number of properties essential for the proper functioning of the body, such as improving hydration, regulate bowel movements or burn excess fat. It is also recommended for people who do some type of weight loss program because it prolongs the feeling of satiety.

Several studies have shown that consumption prevents various diseases, among type two diabetes, obesity, certain types of cancer or coronary diseases. However, the daily intake of foods rich in fiber is still far from achieving the minimum recommended amounts for most people, as shown by various studies and reports. The last one is the one published by Nutrient Health 2012, which studied the eating habits and the interaction between nutrition and health. According to their results, only 22% of men and 12% of women reach the recommended amount, set at 25 grams per day.

Rich Fiber Foods Slimming and Improve Health

The differences in fiber intake do not occur only between men and women, as the older and income closer we get to the recommended amounts, according to the report. In the case of obese or overweight persons its intake is also below the average.

The food groups that contain more fiber are vegetables (21%), bread and biscuits (18%) and fruit (16%). In order to achieve fiber daily amounts recommended by WHO propose a list of foods most suitable for this purpose. Before, we must take into account that the fiber must always be a food supplement because it is not a nutrient, and not directly concerned in essential metabolic processes of the body, but its importance is that plays a very important physiological function for our body.

Fiber in Breads and pastries
The unrefined flour breads are those that contribute more fiber to the human diet. By contrast, white breads, refined flours, are those that provide a lesser amount, reaching a mere 3%, while the bread can have between three and four times more fiber (about 5.6 grams per 100). Intake 100 grams of biscuits will provide about 9.2 grams of fiber. The pasta made with wheat and rice 3.7 2 grams. Of the breads, the most avoided by nutritionists is refined white flour bread, refined flour argue that possess such a degree of development that much of the properties of fiber and minerals that are lost in the refining process.

Fiber in Cereals
Grains contain starch which is the main component of human food. The seed is surrounded by a shell composed primarily of cellulose, which is the major component of dietary fiber. This food can provide an average of 45 grams of fiber per 100. Popcorn contains about 15 grams of fiber per 100.

Fiber in Vegetables
The complex carbohydrate in vegetables, such as cellulose, makes them a rich source of dietary fiber. They have between 11 and 25% fiber, together with cereals being the main source of this. Lentils, peas and beans help fight cholesterol.

Fiber in Fruit
About 2% of the fruit is dietary fiber. The components of the plant fiber that we can find in them are mainly pectin’s and hemicelluloses. The skin of the fruit is the one with the highest absorption of fiber, but also where we can find several traces of contaminants such as pesticides, which are difficult to remove except with peeling the fruit. The coconut owns 10% fiber, 6.1% raspberries and figs between eight and ten percent.

Fiber in Nuts
Its high fiber intake and produces a rapid transit of food through the intestinal tract. It is shown that a diet rich in nuts prevents constipation and intestinal diseases. The fiber's mission is delaying the absorption of sugar, which allows you the energy boost and longer without being converted into fat. The most recommended are almonds (12% fiber), followed by nuts (9%).

The vegetables are essential in the second level of the pyramid of food. In addition to providing carbohydrates, micro nutrients provide slow absorption and dietary fiber. Vegetables should be taken five to six servings of vegetables in a day. Avocados or artichokes are between five and six percent of fiber, while tomato 3%.

Spices with Fiber
They are basic to maintain a balanced diet, as well as serving as flavor enhancers. Cinnamon contains 53% fiber and rosemary and oregano 43%.
Action Against Municipality Dismissed for Failing to Give Notice

Action Against Municipality Dismissed for Failing to Give Notice

In August of last year, we reported on Argue v. Tay (Township), in which the action was dismissed for the failure to give notice required by s. 44(10) of the Municipal Act.  The plaintiff argued that the municipality had actual or constructive knowledge of the accident because the municipal fire department attended the scene.  The matter was appealed to the Court of Appeal, which has now dismissed the appeal at 2013 ONCA 247 (CanLii).

The Court of Appeal confirmed that the plaintiff had the onus of establishing that she had a reasonable excuse for not providing notice and that the municipality was not prejudiced.  The motions judge held that she failed to meet her onus.  The Court of Appeal found no error in the motion judge's analysis or his application of the relevant principles.

This is an extremely helpful decision in cases where the plaintiff has failed to provide notice to the Municipality.