Hamilton: Dental flossing, to rot or not | SkyHiDailyNews.com

Hamilton: Dental flossing, to rot or not

The people of the British Isles are notorious for having bad teeth, so it is little wonder that the British tabloid press seized on a recent story that dental flossing, of which the Brits have historically done precious little, is a waste of time. Au contraire. Dental flossing is a potent weapon against the build-up of dental plaque.

The mischief in the recent story against flossing stems from a fundamental misunderstanding between the difference between “removing” dental plaque and “preventing” the build-up of the plaque that slowly accretes between the teeth and gums. True, dental flossing is not particularly effective in “removing” dental plaque. That is best done by Dental Hygienists. But dental flossing is highly effective in “preventing” the formation of dental plaque in the first place.

It is impossible to prevent bacteria left over from food or even from kissing from invading the oral cavity. Those bacteria, like all bacteria, are living organisms that seek to reproduce themselves and combine with other bacteria. Even more distasteful, no pun intended, these bacteria produce their own waste material, meaning they are depositing their fecal matter in your mouth. That accounts for that terrible taste. Yuk!

If allowed to accumulate between the teeth and, if allowed to accumulate along the sides of the teeth, the bacteria start to attach to each other (sort of like roof trusses) and they form dental plaque. The most effective way to interrupt the plaque-building process is to run a piece of dental floss between the teeth, splitting the bacteria apart and pushing the bacteria out into the open where they can be removed by the use of a tooth brush, either manual or electronic.

One need not be a dentist or a dental hygienist to understand this phenomenon. All you need are teeth and gums. If you are not flossing your teeth and applying the other standard dental disease prevention techniques on a daily basis, you will see blood in your wash basin, the hallmark of periodontal infection. Unfortunately, the body’s natural response to bacterial toxins breaks down the bones and tissue that support the teeth, resulting in tooth loss. Even worse, the bacteria from periodontal infection can adversely affect the heart and lungs.

All that should be motivation enough for people who still have their teeth to rinse and brush after every meal and to floss between their teeth before bedtime. But here are some additional motivations: The bright smiles of the most attractive movie and TV personalities. Or, watching the many TV advertisements for adhesives to glue false teeth into the oral cavity. Or, by looking at the hole in your bank balance resulting from expensive dental repairs that could have been prevented by daily flossing and brushing.

Have a lot of studies been done to prove that flossing is worth the time and effort? No. But the efficacy of dental flossing has been so evident for so long, it would be akin to jumping off the roof to see if gravity actually exists. Moreover, even fewer studies claim flossing is a wasted effort. So, ultimately, it is up to the individual to stop the build-up of bacterial fecal matter in the mouth, or not.

Nationally syndicated columnist, William Hamilton, is a laureate of the Oklahoma Journalism Hall of Fame, the Colorado Aviation Hall of Fame, the Oklahoma University Army ROTC Wall of Fame, and is a recipient of the University of Nebraska 2015 Alumni Achievement Award. He was educated at the University of Oklahoma, the Army Language School, the George Washington University, the Infantry School, the U.S Naval War College, the University of Nebraska, and Harvard University.

Mind the (Windy) Gap

US Senator for the State of Colorado Michael Bennet toured portions of Grand County on Wednesday August 24 with local officials, landowners and water diverters from the Front Range. The tour focused on the Windy Gap and the proposed Windy Gap Bypass and Windy Gap Firming Projects.

“The Windy Gap Project is a great example of a common-sense collaboration that helps meet our water needs while also protecting wildlife and the environment,” state Colorado U.S. Senator Michael Bennet. “We have been working with the community on this for years, and it was exciting to see the site first-hand with such a diverse group of partners. This is another great example of the kind of effort we envisioned when we created the Regional Conservation Partnership Program, and we will continue working to support and fund the project.”

Bennet and his staff are currently campaigning for Bennet’s reelection to the U.S. Senate. This November Bennet faces Republican challenger Darryl Glenn, currently serving as a County Commissioner in El Paso County.

Grand County Real Estate Transactions, August 14 to 20

Hillside Townhomes Unit 2 – Michael and K Isabel Conger to Paul Smith and Julie Stephens, $247,480

Hillside Townhomes Unit 1 – Michael and K Isabel Conger to Paul Smith and Julie Stephens, $210,680

Iron Horse Building D, Condo Unit 4044 – Forest Fischer and Deborah Page to Leslie Demiranda and Jeffrey Preston, $140,000

Old Park Filing #5, Lot 10, Block A – Susan and Robert Sterkel, Thomas and Janine Erickson, Sallie T Dembeck Trust, Dembeck Family Trust to Robert and Susan Sterkel, Dembeck Family, Trust, $55,000

Shadow Mountain Yacht Club Unit 4, Bldg Wescott; Shadow Mountain Yacht Club Garage No 5 – Brian and Jean Liekhus to Joseph and Paula Greer, $365,000

Old Park Filing #2, Lot 2, Block F – Brian Driscoll to Yee Leng Xiong, Kham Pheu Xiong, Kham Zoota Xiong and Seng Zeng Xiong, $68,000

East Mountain Filing 4, Lot 15 – Mary and Kenneth Hamon II to William and Syndy Lee, Guo Ping Li, Shu-Yi Wang, $675,000

Lakeview Waterside West Condos As Built Unit 304, Bldg A, Garage Unit 1 – Patricia McGinity to Nicholas Reiland and Kellie Slater, $349,900

Granby Ranch Filing 1B, Lot 33 – Michael S Humphrey Revocable Trust and Rebecca C Humphrey Revocable Trust to Clint and Chrystina Tasset, $820,000

Grand Lake Estates 1st Filing Lot 1, Block 7 – Dona Kneifl to John and Sara Roberts, $620,000

Grand Lake Estates 1st Filing Lot 19, Block 9 – Robert and Tammy Hawkins to Jon Hamilton and Christa Fruchtl, $272,500

Fraser Crossing-Founders Pointe Condominium Unit 4179 – Maryann Casey to Daniel Bartholomew, $219,000

Creekside at Winter Park Condo Unit 302 – Robert and Rebecca Barnes to Adam and Laura Heese, $272,900

Soda Springs Ranch Filing 2, Unit A3, TRT F – Michele Bean to Philip and Shelly Knight, $170,000

Crooked Creek Complex Unit R7- Harold and Kathleen Fobes to TJ Mountain Investors LLC, $120,000

Lennon Subdivision Exemption Lots 1,2,3,4; Lennon Subdivision Exemption Open Space; SEC 1 TWP 1S R 76W Partial Legal – See Document – Ronald Jones to Michael Repucci, $500

East Mountain Filing 4, Lot 4 – Larry E Fast Living Trust to Jeffery and Emily Poore, $737,200

Winter Park Ranch 3rd Filing, Lot 32, Block 1 – Adam and Veronica Gould to Rosemary Feldman, $497,500

Casa Grande Estates Lot 17 – David and Cynthia Boyes to Curtis Metcalf, $26,000

Zephyr Mountain Lodge Condo Bldg 1 & 2, Unit 2108 – Scott and Sherrie Houghton to Brian and Virginia Buege, $235,000

Lot 4 SEC 8 TWP 3N R 75W Partial Legal – See Document – E 2 Holding LLC to Robert Jackson Parfet Living Trust, $95,000

Mountainside at SilverCreek C U 100 Timeshare 100604 – Mountainside SilverCreek Timeshare Owners Association to Donald and Denise Nelson, $500

Hi Country Haus Bldg 24, Unit 1 – David Smith and Ronald Leff to Gavin and Jennifer Malcom, $155,000

NAPA Autoparts Administrative Replat TRTS A,B – TCR Property LLC to 240 West LLC, $423,750

Winter Park Lodge II Bldg F, Unit 301 – WP Lodge II F301 LLC to Scott and Rachel Graham, $159,900

Fairways at Pole Creek Unit 2 26 – Charles and Ann McConnell to Thomas and Sandra Henry, $173,000

Meadow Ridge Lodges Court 1, Unit 1 – Carl and Jennifer Outzen to Bradley Nace, $163,000

Winding River Villa Lot 14 – Elaine Gazdeck to Ashley Chase, Matthew Reed Tolonen, $75,000

Hot Sulphur Springs Lot 12, Block 21 – Kathy Burke to Karen Losli, $139,000

East Mountain Filing 1, Lot 77 – Michael Bauer to Mark and Michelle Zettle, $1,370,000

Shadow Lake Villas Subdivision Lot 8 – RME Holdings LLC to Jesse and Lindsey Siman, $1,100,000

Grand Country Estates 1st Addition Lot 87 – Susan McCallum to Matthew and Misti Heberling, $312,000

Open Mic

Every now and again Thursday’s Open Mic crowd at the Crooked Creek Saloon in Fraser is treated to a pop-in performance of Tara Hendricks and Mike Utley (one band name they were considering was “The Hay Bandits”).

Firewood permits on sale from USFS

Permits to cut firewood on the Arapaho National Forest’s Sulphur Ranger District are available fom the district office at 9 Ten Mile Drive in Granby. Permits are sold on a per cord basis and cost $12 per cord with a minimum first time purchase of two cords (a cord measures about four feet wide by four feet high by eight feet long; or two pickup loads full).

Permits are good for the calendar year (January – December) in which they are purchased.

Permits come with a map that shows areas open to firewood cutting on the district. Firewood cutting permit rules include no felling of standing trees, live or dead; keeping vehicles on Forest Service roads and not blocking traffic; and not damaging roads, trails, or other improvements on Forest Service land or adjacent private property. While out in the forest, be mindful of your surroundings and watch out for falling trees. For additional information contact the Sulphur Ranger District at 970-887-4100.

Dalrymple: Ask a Banker

I’ve often wondered: why are lenders so concerned about the borrower when they have a mortgage on the property, and , if the borrower doesn’t pay, can take the house and make a chunk of money when it’s sold?

This could be the oldest, and certainly the most erroneous, myth in lending and finance. Cheops probably needed some cash to conquer some neighbor, and pledged the pyramids to a money lender from Phoenicia. He conveniently forgot about the debt, and the poor lender was scratching his head, wondering who would ever want those piles of rock.

Back in the last century, Johnny Cash and Bob Dylan did a duet, with the refrain, “There ain’t no good chain gang”.

There ain’t no good foreclosure either, at least not from the standpoint of the lender. Not ever.

Seems kind of counter-intuitive, doesn’t it? Say that the property sells for $200,000, and the borrower puts thirty percent down to buy it. That’s a $60,000 cushion for the lender, right? So, the borrower defaults, and foreclosure starts. At that point, it’s very likely that the $200,000 house isn’t worth anywhere near that figure.

And, if it gets to the point where the lender is the successful bidder at the foreclosure sale, then it’s dead certain that there’s a loss on the loan, and probably a big one. It takes months for a foreclosure action to be completed. During that time, the borrower owns the property and can sell it to cover the debt and make a profit, if there’s one to be made. If no buyer has stepped up, that seventy percent loan to value ratio loan is above 100 percent LTV, and probably more.

By this time, that dream home has probably been trashed, so on top of attorney fees and other costs, the lender has to put even more money into the dead horse to bring it back to some semblance of life.

And then the real pain starts. I once worked for a very wise man who counseled me that, “The loss that you book on a foreclosed asset, between the loan amount, and what you actually sell it for, is just the tip of the iceberg. The major loss is in time and lost opportunity”. Meaning that every minute spent on managing a bad asset, a foreclosed home, is a minute that the lender can’t spend making money in its primary business line.

Lenders aren’t real estate investors or developers. Their business is lending and every dollar that’s tied up in foreclosed real estate is a dead dollar. The last thing that a lender wants is a borrower’s house.

This is just the business downside of defaulted loans. If your business happens to be a bank, with insured deposits, then you have the bank regulators piling on. If a bank is deemed to have an excess of REO (Real Estate Owned) then the regulators hit the bank with a plethora of penalties and restrictions which make it almost impossible to do business at much of a profit.

I’ve been in the real estate lending business for over half a century. I have yet to see a good foreclosure.

How do I know all this? I thought you’d never ask. I am a proud graduate of the best, but most expensive, college on the planet: the U of E; the University of Experience.

Pat Dalrymple is a former bank president who has been making mortgage loans in western Colorado since 1967. He’s currently an advisor to Grand Mountain Bank’s Mortgage Lending Outreach Initiative. He welcomes your questions on lending and banking, and can be reached at dalrymple@sopris.net.

Bella and the Sturgeon Moon

Reader submitted photo by Todd Keleske.

Granby Trails

Wildlife rescue

First Snow