Financing options with limited-time promotions to set you up for success.
Financing solutions include: • •
Help for first-time or established owners to acquire locations²
Pay off high interest rate business loans and consolidate into one loan³
Principal reduction and early payoff options
Grow your practice with expansions, practice remodels, relocations and/or additional locations³
Fixed rates and flexible terms up to 15 years
Interest rate for the first 2 years and then a competitive rate through maturity 2,3
Offer expires March 31, 2022
Contact a Practice Solutions Specialist today For more information, visit bankofamerica.com/ practicesolutions or call 800.428.2847.
All programs subject to credit approval and loan amounts are subject to creditworthiness. Some restrictions may apply. The term, amount, interest rate and repayment schedule for your loan, and any product features, including interest rate locks, may vary depending on your creditworthiness and on the type, amount and collateral for your loan. Products and restrictions are subject to change. Bank of America may prohibit use of an account to pay off or pay down another Bank of America account. For the limited time beginning with Practice Sales Acquisition (PSA) applications submitted on September 13, 2021, and ending with applications submitted on or before March 31, 2022, and booked and funded by June 30, 2022; a promotional fixed rate of 1.89% per annum for the first 24 months of the loan will be applied for qualified, approved loans only. Excludes all other Practice Solutions products, including, but not limited to: refinances of existing Practice Solutions loans, established, startups, debt consolidations, commercial real estate, special financing programs, and any product that contains a variable rate. Not eligible with interest only payments. To be eligible for the interest rate offer the loan must be a minimum of $250,000; loan terms must be 10 to 15 years in duration, include a five-year prepayment agreement; and the borrower, before loan closing, must have a demand deposit account with Bank of America that will serve as the primary business operating account of the borrower, and which demand deposit account must be maintained for the life of loan. If the borrower fails to maintain this demand deposit account with Bank of America at any time during the life of the loan, this promotional rate shall terminate, and the interest rate for your loan will increase by 1.00%. Your rate after the promotional period ends will be fixed for the remaining term, up to 15 years. For the limited time, approved applications for debt consolidation, renovation, expansion, remodeling or relocation loans submitted from December 7, 2021 through March 31, 2022 will receive a promotional fixed rate of 1.89% per annum for the first 24 months of the loan term. Approved loans must be booked and funded by June 30, 2022. Excludes all other Practice Solutions products, including, but not limited to: refinances of existing Practice Solutions loans, startups, commercial real estate, special financing programs, and any product that contains a variable rate. Not eligible for loans with interest only payments. To be eligible for the interest rate offer, the loan must be for a minimum of $250,000, loan terms must be 10 to 15 years in duration, include a five-year prepayment agreement, and the borrower, before loan closing must open and maintain for the life of the loan a demand deposit account with Bank of America that will serve as the primary business operating account of the borrower. If the borrower fails to maintain this demand deposit account with Bank of America at any time during the life of the loan, this promotional rate shall terminate, and the interest rate for your loan will increase by 1.00%. Your rate after the promotional period ends will be fixed for the remaining term, up to 15 years. All promotional and marketing materials are Bank of America, N.A. property and, as such, cannot be changed, altered or modified, orally or in writing. All questions regarding these materials should be directed or referred to a Bank of America Practice Solutions Sales Associate. Sponsorship of endorser’s products and services is not an expressed opinion or approval by the Bank. Bank of America Practice Solutions product offerings and restrictions are subject to change. Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation. Bank of America Practice Solutions is a division of Bank of America, N.A. ©2021 Bank of America Corporation | MAP3935681 | 00-56-0556NSB | 12/2021
AGENDA Dr. Stephanie Cruz, Union President Welcome Dr. Lou Ghisalberti, NJDA President Life Member Presentation Recognition of Union President NJDA Legislative Agenda Covid-19 Update NJDA Continuing Education Programming: Licensure Requirement Series 1 & 2 Lunch Sessions Series 1 & 2 2022 Annual Session & Marketplace Tracking CE- NEW! NJDA CE Transcripts NJDA CE Award Recognition Dr. Peter DeSciscio, NJDA President-Elect NJDPAC Important contribution year New Assemblypersons and State Senators Membership Benefits Advocacy/Representation Practice Transitions Endorsed Partners/Member Advantage Practice Resources Timely Communication Camaraderie/Social Events Career Center Staff at NJDA HQ Volunteer & Leadership Opportunities Support ADA’s Scientific Work COMING IN MARCH 2022 Arthur Meisel, Esq., NJDA Executive Director Legal and Regulatory Update
ADA LIFE MEMBERS UNION COUNTY DENTAL SOCIETY Dr. Kenneth W Arida
Dr. Lee M Maisel
Dr. Daniel Barletta
Dr. Robert E Nash
Dr. John G Bender
Dr. Thomas E Nicholson, Jr.
Dr. Alina M Betancourt
Dr. Deborah A Flynn-Nyktas
Dr. Steven Blutfield
Dr. Richard J Olin
Dr. William Bohrod
Dr. Kenneth Pomerantz
Dr. Nicola Cicchetti
Dr. Richard B Rodman
Dr. William J Derkasch
Dr. R G Rosivack
Dr. James Eckert
Dr. Mehdi Saber
Dr. Maxine Feinberg
Dr. Scott B Schaffer
Dr. Deena M Feldman
Dr. Jay S Schuster
Dr. Jeffrey L Flamme
Dr. Brian Silverman
Dr. Jerome S Forman
Dr. George Umansky
Dr. David Genualdi
Dr. Samuel M Vanchieri
Dr. Bruce J Grimaldi
Dr. John A Williams, Jr.
Dr. David Mark Klugman
Dr. Jack J Zuber
Dr. Ian J Langer
UNION PRESIDENT RECOGNITION
Dr. Stephanie Cruz President
A Smile Says: I’ve got the resources and tools to treat my patients and run my business. Enhanced Dentist Website Check patient benefits, eligibility, view payments and EOBs, and more! DentalXChange Delta Dental of New Jersey has partnered with DentalXChange for all initial credentialing and recredentialing processes, which can be completed online. This new capability, developed for us with DentalXChange, simplifies this process for you. Electronic Funds Transfer Sign up for direct deposit - save time, reduce theft/fraud risks, and know when you’ll be paid. If you opt-in for direct deposit for Delta Dental of New Jersey/Connecticut payments, you will also have the option to continue receiving paper EOBs in the mail. In-Net Program* Opportunities to receive discounts and savings on various services and products for your dental office.
deltadentalnj.com *In-Net Program is available for Delta Dental of New Jersey and Delta Dental of Connecticut participating dentists.
NJDA CONTINUING EDUCATION Licensure Requirement Series2 January 2022 - September 2022
The NJDA has designed this Series to make the NEW, New Jersey State mandated continuing education courses convenient and easily accessible at a low price. Each mandated course is offered 4 times in 2022 (January through September). Each course is scheduled on different days/times to work around your busy schedule.
Various dates throughout 2022 Schedule in-office training for a minimum of 6 attendees or come to NJDA HQ! *Special Member Pricing available for either option.
Bloodborne Pathogens Training
Various dates throughout 2022- SOON TO LAUNCH In-person or virtual training for yourself and your staff! Certification and 2 CEUs included.
NJDA CONTINUING EDUCATION
Lunch Sessions Series 2 April 2022 - November 2022
Helping members’ staff members fulfill licensure requirements in an easy and cost efficient manner.
Annual Session March 2022
Live Marketplace In-Person Clinicals
Join us at NJDA Headquarters for our In-Person Clinicals that are a part of our 2022 Annual Session & Marketplace! Choose from 7 different clinicals- each with a la carte pricing- to be choosen indivdually or in addition to the Virtual Package.
NJDA CONTINUING EDUCATION NJDA CE Transcripts
TRACKING CE Began November 1, 2021
Keeping track of your continuing education credits just got easier! NJDA members can now enjoy automatic tracking of all CE taken through the NJDA and ADA in their MyADA account. After you complete a course (and the post-course evaluation), your online membership account will be updated automatically within 30 days. You can even submit CE courses taken elsewhere to be tracked on your MyADA account as well. Log in and view your transcript at any time.
NJDA CE Award Recognition
Details to be announced soon
Take advantage of NJDA’s high quality continuing education courses and be recognized. Starting January 2022, in addition to tracking our Members CE for transcripts, we will also track CE participation for recognition in a number of academic categories and reap the benefits. More to come.
NJDA MEMBERS SAVE AN AVERAGE $4,221 / 28% ANNUALLY IN CREDIT CARD PROCESSING FEES
Best Card works with thousands of dental offices around the country, offering honest pricing and unbeatable customer service. Auto-Post to dental software Text-to-Pay and Card Vault
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Fax or email a recent processing statement to 866.717.7247 or Compare@BestCardTeam.com for a detailed savings analysis and a $5 Amazon Gift Card Reach us at 877.739.3952 or www.bestcardteam.com/NJ 10
WE NEED YOU! Contributing to NJDPAC builds the relationships that strengthen dentistry’s political voice. CONTRIBUTE TODAY
New Jersey has elected 17 new state Assemblypersons and 7 new state Senators who need to learn about organized dentistry.
Do you know your legislator? Click below to see who represents you. MORE INFORMATION
Advocacy / Representation
Practice Transitions Brand new webpage helping to bridge the gap between dentists who are exiting practice ownership with those looking to buy. Click here to learn more and submit.
Newly updated Dental Advocacy Webpage and social media campaign that focuses on “pulling back the curtain” on the legal, legislative, and regulatory issues we are working on.
Endorsed Partners / Member Advantage Bringing value and superior service to members through vetted corporate relationships. Click here to meet our Endorsed Partners. Clickable specials throughout this guide!
Practice Resources Shredding Days, Dental Benefits Coordinator, Dental Benefits webpage, and more resources to help run your practice.
Timely Communication Keeping Members informed of news, rules, and regulations that affect NJ dentists through our Monday Morning Email (MME), timely alerts, and social media. Like us and follow us to stay informed.
Happy Hours. Luncheons, and events that foster networking, referrals, partners, and friendships.
Career Center, Mentor Program, Contract Review.
Click here to view all upcoming events on our calendar.
Staff at NJDA HQ Always here for your questions! Phone: Staff Directory Email: firstname.lastname@example.org Website: www.njda.org
Support ADA’s Scientific Work
Give back through programs like Give Kids a Smile, Veterans Days & Donated Dental Services.
Journal / research, guidance, white papers.
Click here to learn more about volunteering and leadership opportunities today! 14
Questions? Contact one of our NJDA Leaders Luciano Ghisalberti, DMD President email@example.com
Peter DeSciscio, DMD President-Elect firstname.lastname@example.org
Ed Tirpack, DMD Speaker of the House email@example.com
Renee Arace, DMD Vice President firstname.lastname@example.org
Mitchell Weiner, DMD Immediate Past President email@example.com
Elisa Velazquez, DMD Treasurer firstname.lastname@example.org
Harvey Nisselson, DDS Editor email@example.com
Amit Vora, DDS Secretary firstname.lastname@example.org
Arthur Meisel, Esq. Executive Director email@example.com
Stay Connected! New Jersey Dental Association
Contact Us! Staff Directory 732-821-1082
Offer valid: December 26, 2021 – January 29, 2022
Sale Price 12 bottles @ $12.74 (Regular Price $14.99 per bottle)
Help manage your patients’ caries risk (Rx Only)
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Save 10 % $79.19 per box
Order your favorite flavors and save 15%
(Reg $87.99 per box) or only $1.58 per unit dose
Colgate® PreviDent® Varnish Caramel Sundae . . . . . . . . . . . . . (129-8852) Grape Bubble Gum . . . . . . . . . . (543-0148) Raspberry . . . . . . . . . . . . . . . . . . . . (543-0121) Mint . . . . . . . . . . . . . . . . . . . . . . . . . (543-0120) No minimum, no maximum
Save 15% 8.49 per bottle
Sale Price $89.99 per kit
(Reg $9.99 per bottle)
(Regular Price $99.99 per kit)
Colgate® PerioGard® Oral Rinse 0.12% Chlorhexidine Gluconate (Rx only) 16oz . . . . . . . . . (543-0242)
Colgate® Optic White® Professional . . . . . . . . . . . . . . . . . . . . . . . . (543-0261) Maximum 8 kits
No minimum, no maximum
Use promo code QAH when ordering 16