Dentaltown September 2021 - 73

by Dr. Jason Annan
Dr. Jason Annan has been a private practice
dentist in Mount Pleasant, South Carolina,
for 13 years. He attended the University
of North Carolina School of Dentistry. A
husband and a father of two boys, he enjoys
family vacations, sports, running and
the outdoors. A local history buff, Annan
is the author of a book on the history of
Charleston, South Carolina.
W
hen I started getting heavy boxes fi lled with newly
minted, rolled Sacagawea dollar coins, my assistant
was sure I'd either lost my mind or was in serious
trouble. The answer was " neither " : It was just another way I
was using a credit card and banking the cash-back rewards.
Overhead is a fact of life for dentists; lab bills, utilities,
supplies and repair costs all add up. But many colleagues and
I work at leveraging these overhead costs to earn hundreds of
thousands of credit card points, and then convert these points
into truly valuable assets.
Pick a card-not just any card
Charging on a credit card and promptly paying the balance is basically an interest-free, one-month loan.
Best of all, credit card companies will pay you for doing this! Hear me now: We all should pay off credit card
balances every month. If you have to carry a balance or aren't responsible with fi nances, this game isn't for
you. I'm not talking about buying things you don't need; this is simply charging practice expenses
that you must pay anyway. So how do you start-and, more importantly, how do you really
make some money off your credit cards?
Wise dentists put every possible purchase on a good credit card. (I'll defi ne
" good " in a bit.) I pay utilities, lab bills, supply bills, insurance ... you get the
idea ... on credit cards. The only times I write a check is if the vendor won't
accept a credit card or if there is a fee of more than 2% for using a card. For those
of you whose eyes have already glazed, just get a standard credit card that earns
2% cash back on all purchases-there are several. If you charge $5,000 a month
in practice expenses on this card, it'll earn you $1,200 yearly in cash back. No sweat,
right? But if you want to be more than ho-hum, read on!
We've seen commercials for cards offering " cash back " or " double points " with purchases.
Savvy dentists know that not all cards are equal and pick the best cards for their situation.
Some cash-back cards give you a fl at " rebate " with every purchase. The good cards earn about
2%, with some cards offering higher rebates at certain types of stores such as grocery, gas, etc.
Anything less than 2% is likely a missed opportunity.
Some cards offer airline or hotel " miles " with every purchase. These miles are tied to a specifi c
airline or hotel-a United Visa or a Hilton Honors Amex, for example-and can be redeemed only
with that company. Then there are credit cards that offer points that can be used in a number of
ways, including statement credits or (most lucratively) transferred to partner airlines or hotels. These
are the most versatile awards cards.
dentaltown.com \\ SEPTEMBER 2021 73
http://www.dentaltown.com

Dentaltown September 2021

Table of Contents for the Digital Edition of Dentaltown September 2021

Table of Contents
Howard Speaks: Dentistry is a Numbers Game
Professional Courtesy: Joyful Dentistry
Continuing Education Update
Industry News
New Products
Townie Poll: Lasers
Show Your Work: Warm Up To Something New by Dr. Ron Kaminer
Message Board: Oral Pathology
Message Board: Endodontic Healing
Industry Insights: Ivoclar Vivadent
Office Visit: Dr. Grant Olson
Dueling Lasers by Dr. Samuel B. Low
Rolling Back 'The Cloud' by Andrew Malcolmson
Ad Index
Keep Your Story Straight by Paul Edwards
Play Your Cards Right by Dr. Jason Annan
Staffing Up by Jay Geier
Dentally Incorrect
Dentaltown September 2021 - EdgeEndo_CT
Dentaltown September 2021 - Cover1
Dentaltown September 2021 - Cover2
Dentaltown September 2021 - 1
Dentaltown September 2021 - 2
Dentaltown September 2021 - 3
Dentaltown September 2021 - Table of Contents
Dentaltown September 2021 - 5
Dentaltown September 2021 - 6
Dentaltown September 2021 - 7
Dentaltown September 2021 - 8
Dentaltown September 2021 - 9
Dentaltown September 2021 - Howard Speaks: Dentistry is a Numbers Game
Dentaltown September 2021 - 11
Dentaltown September 2021 - Professional Courtesy: Joyful Dentistry
Dentaltown September 2021 - 13
Dentaltown September 2021 - Continuing Education Update
Dentaltown September 2021 - 15
Dentaltown September 2021 - Industry News
Dentaltown September 2021 - 17
Dentaltown September 2021 - New Products
Dentaltown September 2021 - 19
Dentaltown September 2021 - Townie Poll: Lasers
Dentaltown September 2021 - 21
Dentaltown September 2021 - Show Your Work: Warm Up To Something New by Dr. Ron Kaminer
Dentaltown September 2021 - 23
Dentaltown September 2021 - 24
Dentaltown September 2021 - 25
Dentaltown September 2021 - Message Board: Oral Pathology
Dentaltown September 2021 - 27
Dentaltown September 2021 - 28
Dentaltown September 2021 - 29
Dentaltown September 2021 - 30
Dentaltown September 2021 - 31
Dentaltown September 2021 - 32
Dentaltown September 2021 - 33
Dentaltown September 2021 - Message Board: Endodontic Healing
Dentaltown September 2021 - 35
Dentaltown September 2021 - 36
Dentaltown September 2021 - 37
Dentaltown September 2021 - Industry Insights: Ivoclar Vivadent
Dentaltown September 2021 - 39
Dentaltown September 2021 - Office Visit: Dr. Grant Olson
Dentaltown September 2021 - 41
Dentaltown September 2021 - 42
Dentaltown September 2021 - 43
Dentaltown September 2021 - 44
Dentaltown September 2021 - 45
Dentaltown September 2021 - 46
Dentaltown September 2021 - 47
Dentaltown September 2021 - 48
Dentaltown September 2021 - 49
Dentaltown September 2021 - 50
Dentaltown September 2021 - 51
Dentaltown September 2021 - 52
Dentaltown September 2021 - 53
Dentaltown September 2021 - Dueling Lasers by Dr. Samuel B. Low
Dentaltown September 2021 - 55
Dentaltown September 2021 - 56
Dentaltown September 2021 - 57
Dentaltown September 2021 - 58
Dentaltown September 2021 - 59
Dentaltown September 2021 - Rolling Back 'The Cloud' by Andrew Malcolmson
Dentaltown September 2021 - 61
Dentaltown September 2021 - 62
Dentaltown September 2021 - 63
Dentaltown September 2021 - 64
Dentaltown September 2021 - Ad Index
Dentaltown September 2021 - Keep Your Story Straight by Paul Edwards
Dentaltown September 2021 - 67
Dentaltown September 2021 - 68
Dentaltown September 2021 - 69
Dentaltown September 2021 - 70
Dentaltown September 2021 - 71
Dentaltown September 2021 - Play Your Cards Right by Dr. Jason Annan
Dentaltown September 2021 - 73
Dentaltown September 2021 - 74
Dentaltown September 2021 - 75
Dentaltown September 2021 - Staffing Up by Jay Geier
Dentaltown September 2021 - 77
Dentaltown September 2021 - 78
Dentaltown September 2021 - 79
Dentaltown September 2021 - Dentally Incorrect
Dentaltown September 2021 - Cover3
Dentaltown September 2021 - Cover4
Dentaltown September 2021 - SI_1
Dentaltown September 2021 - SI_2
Dentaltown September 2021 - Elite_Book
Dentaltown September 2021 - IAOS_Book
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