Volume 7 Issue 24_Sun Bay Paper

The Sun Bay Paper Page 25 March 25, 2022 - March 31, 2022 Local Dent ist Helps Uninsured Adul ts Dr. Andrew Frey, Dental Assistants Alex and Ali and Dental dental care exclusively to Uninsured Adults in the Fort Myers area. Our facility is very modern but still modest while using the latest technology and treatment modalities. We focus on the technology that delivers the highest quality care without all the glitz and gadgetry that increase costs. This allows us to offer lower fees to serve the people in our community. Dr. Frey grew up in Michigan and graduated from the University of Michigan School of Dentistry, which has been ranked as the top dental school in the United States for the past four years, according to the QS World University Rankings. Dr. Frey comes from a family legacy of dental providers and has moved to Southwest Florida with his wife Valerie, currently a middle school teacher. After watching the dental profession change, we felt it had to be done a different way (A Non Insured Way). Patients often remark they find our office to be a breath of fresh air in an age where profit and greed driven corporations and insurance agencies are invading every aspect of our lives including our healthcare. Here at Independent Dental Care, we treat all patients like we would our own family and friends. Dental insurance itself is a huge clerical expense for a dental office. If we worked with insurance companies we would have to hire more people just to process and reprocess claims as the insurance companies decide the best treatment for the patient. Dr. Frey said in his opinion the entire concept of dental insurance has led to today’s inflated dental fees and a climate that encourages treatment based on fees rather than needs. The insurance system is a breeding ground for greed, fraud and prejudice. We see a number of new patients each week, yet have always been able to get people in for the emergency care they may need. “We explain to our patients that we don’t cut corners on treatment, care or materials”, said Dental Assistant Alex. “We provide ourselves in treating people, not just their teeth. We love dentistry and feel great about providing excellent care driven by our desire to help others.” Many of our patients are seniors or those with a very limited healthcare policy that gives them only a few benefits and then charges more for their other needs. We offer no gimmicks just to get you in the office. We offer only modern quality dental treatment at an affordable cost. Dr. Andrew Frey, D.D.S. License Number 22529 (239) 738 - 3523. 13611 McGregor Blvd. Suite 3, Fort Myers, FL 33919 Paid Advertisement Fed Hikes, Higher Mortgage Rates and Ongoing Inflation Mortgage rates surpassed 4% for the first time since 2019 and the Federal Reserve announced a series of new rate hikes this week, two major shifts that mark the economic response to months of elevated inflation. The Federal Reserve announced a 0.25% interest rate hike and said six more increases are on the way. Last week's increase is meant to rein in inflation, but can have negative effects on economic growth. Meanwhile, mortgage rates are expected to increase along with the Federal Reserve rate. “The Committee seeks to achieve maximum employment and inflation at the rate of 2 percent over the longer run. With appropriate firming in the stance of monetary policy, the Committee expects inflation to return to its 2 percent objective and the labor market to remain strong,” the Federal Reserve said in its rate hike announcement. “In support of these goals, the Committee decided to raise the target range for the federal funds rate to 1/4 to 1/2 percent and anticipates that ongoing increases in the target range will be appropriate. In addition, the Committee expects to begin reducing its holdings of Treasury securities and agency debt and agency mortgage-backed securities at a coming meeting.” The Federal Reserve justified the hike by saying the job market had reached a sufficient level. “Indicators of economic activity and employment have continued to strengthen,” the Federal Reserve said. “Job gains have been strong in recent months, and the unemployment rate has declined substantially. Inflation remains elevated, reflecting supply and demand imbalances related to the pandemic, higher energy prices, and broader price pressures.” Those mortgage rates will make it harder for Americans to afford homes, even as house prices soar. “Housing sales slip over 7% in February,” said Elizabeth Kreiselmaier, one of many Republican Congressional candidates running on economic problems, which are expected to help hand Republicans hefty wins in November. Congressional Republicans currently hold a double digit lead on the generic ballot against Democrats. “Mortgage rates are on the rise, as household savings are reduced by inflation, making it more difficult for first time buyers,” Kreiselmaier said. “This is the direct result of failed Biden/Kilmer economic policies.” Critics say the latest federal spending spree of several trillion dollars, led by President Joe Biden, is to blame. “This is the epitome of how big government policies go awry and hurt the little guy,” said Jonathan Williams, the chief economist at the American Legislative Exchange Council. “The Biden administration’s trillion-dollar spending increases are directly responsible for inflation and thus the rising mortgage interest rates which are making it harder for hard-working Americans to buy a home. "The Federal Reserve raises interest rates in an attempt to bring down the high inflation, which is the product of the federal government’s overspending,” he added. “Anytime Congress essentially prints money it leads to inflation.” Williams said correcting federal spending is the long-term solution. “For everyone who liked their so-called free government money over the past two years, this is the result: inflation, and now, higher interest rates,” he said. “The policy solution is for the federal government to adopt a meaningful balanced budget amendment, just as 49 of our 50 states have already done. If designed correctly, this would prevent the federal government from overspending, which inevitably leads to a disastrous cycle of inflation and high interest rates. We need our policymakers in Washington to look to the states, the laboratories of democracy, for policy solutions that work for everyday Americans.” Casey Harper The Center Square