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Continuing Education, Inc.
University at Sea
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St Petersburg, Florida 33703
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Prosthodontics in the 21st Century & Managing Your Practice and Personal Finances for Optimum Profitability and Success

7-Night Southern Caribbean Cruise Conference
Round-trip San Juan, Puerto Rico
February 17 - 24, 2019

This conference has already sailed, but that doesn't mean you have to miss the boat! Click here to see our complete schedule of upcoming programs.

Royal Caribbean's <em>Freedom of the Seas</em>
Royal Caribbean's Freedom of the Seas

COURSE CREDITS & HOURS

14 ADA CERP Credits

COURSE FEES

Spouse fee: $295 

TARGET AUDIENCE

Dentists, Dental Staff

PROGRAM PURPOSE

Prosthodontics in the 21st Century



It is no secret that today, with new materials and computerized manufacturing we are planning and building our prosthetic cases in a radically different way. Things are changing so fast, it is difficult to keep up. Our problem as clinicians is the vast majority of us were never exposed or trained in these techniques. The change in manufacturing also requires a change in how we approach our cases, and how we make clinical choices.

In this seminar, we will start with the basic material in the modern esthetic case, Ceramics. We will make a case for using this material and will cover its chemistry and structure. Different ceramic systems will be covered along with their clinical implications and how they are handled in the dental laboratory. The last part of the ceramic seminar will focus on those ceramic systems that require CAD CAM manufacturing along with their clinical implications.

Our next topic will cover the Science and Art of Color, and how that applies to our ceramic systems. We will go over the complexity of why we make errors in our choices, and what we must do to overcome those errors.

We will end our journey by going into the detail of using digital equipment for impressions, how we use planning software, how we mill, what material we mill, how we print, what we print, and how we use Cone Beam technology to plan and integrate with our planning software. Once we cover these topics, we will cover the compromises we make with this technology, when to use it appropriately, and most important, when not to use it.

When we have completed this seminar, you should be able to make the appropriate choice of material and manufacturing method to match the case you wish to construct based on what the patient's conditions present to you.

Managing Your Practice and Personal Finances for Optimum Profitability and Success: The Power of 50% (or Less) Overhead Expense

MAKE MORE * KEEP MORE *
* INVEST FOR SUCCESS AND ECONOMIC FREEDOM*
LEARN HOW TO MAKE IT HAPPEN!

THIS COURSE IS A MUST FOR DOCTORS, SPOUSES AND TEAM LEADERS/OFFICE MANAGERS - AT ANY STAGE OF THEIR CAREERS

Instructor: Dr. Hugh Habas
This is a seminar focusing on the tools needed to ensure practice profitability (the net), common mistakes to avoid and systematic investment strategies designed to create economic freedom.

It has been estimated that approximately 95% of dentists in the U.S. do not have the financial ability to retire at age 65 and enjoy the same standard of living they did during the years they were in practice. Younger and mid-career dentists are being overwhelmed by student and practice debt, very often with no strategy or clarity on how to manage these challenges. Dentists approaching retirement need to preserve what they have accumulated with the expectation of great longevity.

The presentation will be designed to address all these issues with a focus on effective practice management, systematic approaches to wealth-building and asset accumulation during one's career in dentistry.

Topics will include:
  1. Overhead control - the mistakes we make, with particular attention to payroll expenses and benefits.
  2. Holding onto the"fruits of your labor" - i.e., living on less than what you earn and strategies for achieving this goal.
  3. Systematic investing - the efficacy of investing in both retirement plans and personally with a great deal of discussion of successful strategies, great rewards and how risk can be mitigated.

LEARNING OBJECTIVES: BOTH THE DOCTOR AND HIS OR HER CAREER-ORIENTED PROFESSIONAL STAFF REALIZE INTUITIVELY THAT THEIR ULTIMATE PROFESSIONAL AND FINANCIAL SUCCESS AS WELL AS THEIR OWN RELEVANCY IS CONNECTEDTO THE ULTIMATE SUCCESS OF THE PRACTICE.

It has been estimated that approximately 95% of dentists in the U.S. do not have the financial ability to retire at age 65 and enjoy the same standard of living they did during the years they were in practice. Younger and mid-career dentists are being overwhelmed by student and practice debt; very often with no strategy or clarity on how to manage these challenges - dentists approaching retirement need to preserve what they have accumulated with the expectation of great longevity. This presentation is designed to address all these issues with focus on effective practice management, systematic approaches to wealth-building and asset accumulation during one's career in dentistry.

AT THE CONCLUSION OF THIS PRESENTATION DOCTORS, SPOUSES AND STAFF WILL HAVE A DEEPER UNDERSTANDING OF THE FOLLOWING ISSUES AND CHALLENGES:
  • An understanding that getting out of debt and establishing a pathway to economic freedom is when all the fun of practicing dentistry begins.
  • The 4th Habit of Highly Successful People and its relationship to Doctor and Staff
  • Why budgets don't work long term
  • The importance of saving and investing EARLY
  • Determining what your post-career financial requirements will be as well as your goals
  • The CHALLENGES we face today and yesterday as a profession
  • THE FUTURE OF OUR PROFESSION
  • A TYPICAL SOLO PRACTICE ACCORDING TO ADA
  • Maximizing practice profitability
  • Increasing practice production and collection
  • Controlling overhead expense
  • Examining guidelines for all expense categories and ways of improving results
  • Maintaining the sum of all practice expenses below 50%
  • External marketing efforts-BEWARE
  • DIFFERENTIATING YOUR PRACTICE TO ENCOURAGE MAXIMUM REFERRALS/CONCIERGE CRITERIA
  • How to deal with, or not, bonus systems
  • Fee increase considerations
  • Payment arrangements with patients-a unique approach to consider
  • Staff related issues - leadership
  • Staff compensation as a function of production and total practice revenue
  • Embezzlement
  • PERSONAL FINANCE ISSUES
  • Accumulating assets throughout one's dental career
  • Common threads of success among young high net worth professionals as well as individuals at all income levels enjoying success in achieving their goals
  • Demographics of successful dental professionals-doctors and staff
  • Beware of ONIOMANIA?
  • How you get there and how you don't
  • "How am I doing?" formula-at any income level on a personal level
  • GROWING YOUR ASSETS / INVESTING
  • INVESTING FOR GROWTH VS. INCOME?
  • How much will you need at the end of your career/figuring it out
  • Inflation and its effect on your goals
  • The Rule of 72-again and again
  • The pathway to reaching that goal - working backwards
  • Obstacles along the way
  • Investment goals
  • The absolute need for a fee based highly qualified financial planner
  • The need for emergency funds and liquidity
  • Understanding of risk / reward
  • Various ways to invest
  • Investment vehicles
  • How to choose an investment advisor and what to watch out for
  • What does safety mean-upsides and downsides
  • Timing the Market/Active Management-Be Careful
  • Purchasing Income through insurance products-potential downsides
  • How do you choose a "FINANCIAL ADVISOR"
  • What is a Fiduciary?

IMPORTANT INFORMATION

PLEASE NOTE: To attend the conference, participants must book their cruise through Continuing Education, Inc.. This ensures our company can provide full conference services and complimentary social amenities to all meeting participants and their guests. Note also, that participants' family and friends are welcome to book within our group to take advantage of our typically excellent cruise rates. Thank you for your cooperation.
BIAS FREE CME - No Commercial Support was provided for this CME activity.

Faculty

Hugh O. Habas, DDS

Hugh O. Habas, DDS

Dr. Hugh Habas earned his dental degree from Case Western Reserve University. He maintained a private dental practice in Central New Jersey for 39 years as a general practitioner. 

Dr. Habas was President of the Middlesex County Dental Society, State Trustee for the New Jersey Dental Association, "Board Expert" for the New Jersey State Board Of Dentistry and a Dental Defense Malpractice Expert for the Princeton Insurance Company. 

He is a past member of the New Jersey Academy of General Dentistry, Past President, co-founder and member of the ITI Raritan Valley Dental Study Club, established 40 years ago, as well as a Life Member of Organized Dentistry and the ADA.

Frederick Knoll, DDS

Frederick Knoll, DDS

Dr. Knoll attended undergraduate school at Temple University and Hofstra University. He received his Doctorate in Dentistry at Case Western Reserve University in 1971. After two years as a dentist in the United States Army, Dr. Knoll went into practice in Brooklyn, NY with this father. 

In 1976, Dr. Knoll moved to South Florida. Dr. Knoll has held academic positions as an Assistant Clinical Professor as Nova Southeastern University in the department of Prosthodontics where he taught both Pre Doctoral students and Post Doctoral Students. He was also a Full Professor at the University of Florida School of Dentistry where he taught Post Doctoral residents in Prosthodontics.

He now holds the post of Department Head of Prosthodontics at the Florida Institute of Advanced Dental Education, where he teaches Post Doctoral residents and practicing dentists in the field of Prosthodontics (crowns, bridges, implant restorations and cosmetic dentistry). He has lectured extensively on the field of Prosthodontics both locally and nationally for the last twenty years. He is a member of the American College of Prosthodontics, The American Dental Association, and a Fellow of the American College of Dentists.

Accreditation

ADA CERP Logo

Credit Designation for Dentists: Continuing Education, Inc. is an ADA CERP Recognized Provider. ADA CERP is a service of the American Dental Association to assist dental professionals in identifying quality providers of continuing dental education. ADA CERP does not approve or endorse individual courses or instructors, nor does it imply acceptance of credit hours by boards of dentistry. Continuing Education, Inc. designates this continuing dental education activity for 14 continuing education credits.

Concerns or complaints about a CE provider may be directed to the provider or to ADA CERP at www.ada.org/cerp.

ITINERARY

DATE PORT OF CALL ARRIVE DEPART
Sun Feb 17 San Juan, Puerto Rico - 8:30 pm
Mon Feb 18 Basseterre, St. Kitts
Lectures: 7:00am-9:00am*
9:00 am 6:00 pm
Tue Feb 19 St. John's, Antigua
Lectures: 7:00am-9:00am*
8:00 am 5:00 pm
Wed Feb 20 Castries, St. Lucia
Lectures: 7:00am-9:00am*
9:00 am 6:00 pm
Thu Feb 21 Bridgetown, Barbados 8:00 am 7:00 pm
Fri Feb 22 At Sea - Cruising
Lectures: 8:00am - 12 Noon; 1:00pm - 5:00pm*
12:00 am 12:00 am
Sat Feb 23 Philipsburg, St. Maarten 8:00 am 6:00 pm
Sun Feb 24 San Juan, Puerto Rico 6:00 am -
*Tentative course schedule, actual class times may differ.
Royal Caribbean Freedom of the Seas Map

PORTS OF CALL

San Juan, Puerto Rico - In days of yore, the waters near Puerto Rico teemed with pirate ships commanded by the likes of Sir Francis Drake. Aye, they are long gone, but in their wake they have left an island of national treasures: La Casa Blanca, built in 1501 for the island's first governor, Ponce de Leon; the cobblestone streets of Old San Juan; the tropical rain forests of El Yunque.

Basseterre, St. Kitts - The island England zealously defended from Brimstone Hill, the "Gibraltar of the West Indies." In Basseterre, a mini-London, there's Piccadilly Circus to shop and a gingerbread version of Big Ben by which to check the hour.

St. John's, Antigua - Saint John's is the capital of the island nation of Antigua and Barbuda. Located in northwestern Antigua, this is a cove of the Caribbean Sea, a major exporter of sugar, rum, cotton, handicrafts, fiber-made items, ceramics and fabrics. The city is also a tourist destination. St. John's skyline, capital and major city in Antigua and Barbuda, is mastered by the baroque magnificence of the St. John's Cathedral's dome and steeple.

Castries, St. Lucia - Watch natives make boats from gum trees, write postcards in a Creole cafe, and shop for black coral carvings and exquisite silk-screened fabrics in St. Lucia's capital.

Bridgetown, Barbados - An island some say is more British than Britain. Here, cricket is the national sport and afternoon tea goes without saying. But Barbados is true blue Caribbean as well, with classic sand beaches, and wild monkeys in the jungle.

At Sea - Cruising - Cruising

Philipsburg, St. Maarten - The capital of the Dutch side of St. Maarten is the town of Philipsburg, though St. Maarten is an island with two distinct sides. To the north is the French side, whose capital is Marigot, while Philipsburg sits on the southern part of the island. When exploring on cruises that go to St. Maarten, it’s important to visit both sides to understand their customs and heritage.

You’ll quickly be charmed by all sides of the island. Of course, this Caribbean island is best known for its beaches, like Maho Beach or Great Bay Beach, one of the area’s best snorkeling spots. Sample local seafood or rum during your time in port, which have become symbols of St. Maarten life. There’s just enough to fill the day here, especially if you hop between the French and Dutch beaches.

Royal Caribbean's Freedom of the Seas

PLEASE NOTE: To attend the conference, participants must book their cruise through Continuing Education, Inc.. This ensures our company can provide full conference services and complimentary social amenities to all meeting participants and their guests. Note also, that participants' family and friends are welcome to book within our group to take advantage of our typically excellent cruise rates. Thank you for your cooperation.

Register your interest and receive a full quote at 800-422-0711 (US/Can) or direct/int'l tel: +1-727-526-1571 or by registering online.
STATEROOM DETAILS
PRICING PER PERSON

Prices below are for the full cruise including meals and evening entertainment

Suite/Deluxe

Owner's Suite - 1 Bedroom, OS Owner's Suite - 1 Bedroom (OS)
Marble entry with door bell. Queen-size bed, bathroom with tub. Separate living area with a queen-size sofa bed. Stateroom: 622 sq. ft. Balcony:  160 sq. ft. 
Call: 800-422-0711
and we'll find the best value for you.
Grand Suite - 1 Bedroom, GS Grand Suite - 1 Bedroom (GS)
Marble entry. Room has two twin beds that convert to Royal King, private balcony, sitting area and private bathroom with tub. Stateroom: 432 sq. ft. Balcony: 89 sq. ft. 
Call: 800-422-0711
and we'll find the best value for you.
Junior Suite with Balcony, J4 Junior Suite with Balcony (J4)
Two twin beds that convert to Royal King, private balcony, sitting area (some with sofa bed) and private bathroom. Stateroom: 320 sq. ft. Balcony: 65 sq. ft. 
Call: 800-422-0711
and we'll find the best value for you.
Grand Suite - 2 Bedrooms, GT Suite/Deluxe Grand Suite - 2 Bedrooms (GT)
Two bedrooms with two twin beds that convert to Royal King (one room with third and fourth Pullman beds), a private balcony, two bathrooms and living area with double sofa bed. Stateroom: 616 sq. ft. Balcony: 208 sq. ft.
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800-422-0711
for Pricing
Junior Suite with Balcony, J3 Suite/Deluxe Junior Suite with Balcony (J3)
Two twin beds that convert to Royal King, private balcony, sitting area (some with sofa bed) and private bathroom. Stateroom: 320 sq. ft. Balcony: 65 sq. ft.
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800-422-0711
for Pricing
Royal Suite with Balcony, RS Suite/Deluxe Royal Suite with Balcony (RS)
Grand entrance with doorbell. Separate bedroom with king-size bed, and private bathroom with tub, private balcony with whirpool, living room with queen-size sofa bed and baby grand piano. Stateroom: 1633 sq. ft. and Balcony 257 sq. ft.
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800-422-0711
for Pricing
Oceanview Panoramic Suite (No Balcony), VP Suite/Deluxe Oceanview Panoramic Suite (No Balcony) (VP)
Two twin beds that convert to Royal King. Curtained section with bunk beds. Living area with double sofa bed, vanity and sitting area. One and a half baths with shower. Floor to ceiling wrap around panoramic windows, 76 inches high by 321 inches wide. Stateroom: 406 sq. ft.
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800-422-0711
for Pricing
Villa Suite - 4 Bedrooms, VS Suite/Deluxe Villa Suite - 4 Bedrooms (VS)
Two master bedrooms with baths. Two additional bedrooms, each with two Pullman beds and two twin beds that convert to Royal King. Two additional bathrooms with showers and a spacious living area with a sofa bed and dining table. Private balcony with dining area, lounge chairs and whirpool. 1,302 sq. ft. Balcony 845 sq. ft.
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800-422-0711
for Pricing

Outside

Oceanview Stateroom, 8N Oceanview Stateroom (8N)
Two twin beds that convert to Royal King and private bathroom. Stateroom: 180 sq. ft.  
Call: 800-422-0711
and we'll find the best value for you.
Ultra Spacious Oceanview, 1K Outside Ultra Spacious Oceanview (1K)
Two twin beds that convert to Royal King. Sofa converts to double, two Pullman beds, private bathroom and sitting area. Stateroom: 358 sq. ft.
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800-422-0711
for Pricing
Spacious Panoramic Oceanview - Accessible, 1L Outside Spacious Panoramic Oceanview - Accessible (1L)
Two twin beds that convert to Royal King. Double sofa bed. Vanity with sitting area. Private bathroom with shower. Floor to ceiling wrap around panoramic window, 76 inches high by 253 inches wide. Stateroom: 283 sq. ft
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800-422-0711
for Pricing
Spacious Oceanview, 1M Outside Spacious Oceanview (1M)
Two twin beds that convert to Royal King and private bathroom. Stateroom: 211 sq. ft.
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800-422-0711
for Pricing
Oceanview Stateroom, 1N Outside Oceanview Stateroom (1N)
Two twin beds that convert to Royal King and private bathroom. Stateroom: 180 sq. ft.
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800-422-0711
for Pricing
Oceanview Stateroom, 2N Outside Oceanview Stateroom (2N)
Two twin beds that convert to Royal King and private bathroom. Stateroom: 180 sq. ft.
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for Pricing
Oceanview Stateroom, 3N Outside Oceanview Stateroom (3N)
Two twin beds that convert to Royal King and private bathroom. Stateroom: 180 sq. ft.
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for Pricing
Spacious Oceanview, 4M Outside Spacious Oceanview (4M)
Two twin beds that convert to Royal King and private bathroom. Stateroom: 211 sq. ft.
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Inside

Interior Stateroom, 4V Interior Stateroom (4V)
Two twin beds that convert to Royal King and private bathroom. Stateroom: 256 sq. ft. 
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and we'll find the best value for you.
Interior Stateroom, 6V Interior Stateroom (6V)
Two twin beds that convert to Royal King and private bathroom. Stateroom: 150 sq. ft. 
Call: 800-422-0711
and we'll find the best value for you.
Spacious Promenade View Interior, 1Q Inside Spacious Promenade View Interior (1Q)
Two twin beds that convert to Royal King. Sofa converts to double, two Pullman beds, private bathroom and sitting area. Stateroom: 340 sq. ft.
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800-422-0711
for Pricing
Spacious Interior, 1R Inside Spacious Interior (1R)
Two twin beds that convert to Royal King and private bathroom. Stateroom: 338 sq. ft.
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800-422-0711
for Pricing
Promenade View Interior, 1T Inside Promenade View Interior (1T)
A view of the Royal Promenade with bowed windows, two twin beds that convert to Royal King and private bathroom. Stateroom: 169 sq. ft.
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800-422-0711
for Pricing
Interior Stateroom, 1V Inside Interior Stateroom (1V)
Two twin beds that convert to Royal King and private bathroom. Stateroom: 150 sq. ft.
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800-422-0711
for Pricing
Interior Stateroom, 2V Inside Interior Stateroom (2V)
Two twin beds that convert to Royal King and private bathroom. Stateroom: 150 sq. ft.
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800-422-0711
for Pricing
Interior Stateroom, 3V Inside Interior Stateroom (3V)
Two twin beds that convert to Royal King and private bathroom. Stateroom: 150 sq. ft.
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800-422-0711
for Pricing

Because this program is sailing soon, full payment of the fare is due at time of booking.

3rd/4th in Stateroom - Please call to secure the best possible pricing

Cruise pricing is presented per person, based double occupancy of the stateroom, following industry practice. Pricing presented above is listed accordingly to allow easy comparison for the stateroom categories displayed. Our agents always provide 'total cost' pricing disclosing all particulars before you make any commitment.

COMPETITIVE PRICING PROMISE: We will match any price currently offered by the cruise line; this promise includes their short-term, promotional rates. As a value-added organizer of meetings at sea, however, we do not seek to compete with 'cruise discounters,' 'travel clubs,' or 'distressed inventory' sales operations.
PRICING SUBJECT TO CHANGE: Because this sailing is departing soon, no fares are displayed above; Call us to request a quote of current, market rate fares. Those fares, the same as offered directly by the cruise line, are subject to change at any time until held with a deposit or full payment of the fare. Market rates are capacity and revenue controlled, do fluctuate, and can be withdrawn without notice.
CANCELLATION PENALTY POLICY WILL APPLY: We recommend Travel Insurance to protect your investment from unexpected, late cancellations.
Cruise Cancellation Policy:Late Cancellation policies vary by cruise line, itinerary and length of cruise. When reserving your stateroom, please congirm the policy applicable to this cruise with one of our agents.
Course Fee Cancellation Policy: 30+ days before sailing date - 75% Refund ; 7-29 days before sailing date - 50% Refund; Less than 7 days before sailing date - No Refund
FUEL SUPPLEMENT: During periods of unusual oil price volatility, cruiselines may implement a fuel surcharge at any time prior to sailing.

Chubb Travel Protection Overview

Please note, this insurance protection is available to the residents of the United States only,
that coverage limits are per person and that limits can vary by State.

Standard Plan Benefits Travel Basics Travel Essentials Travel Choice
Trip Cancellation 100% of Trip Costs
($100,000 maximum)
100% of Trip Costs
($100,000 maximum)
100% of Trip Costs
($100,000 maximum)
Trip Interruption 100% of Trip Costs
($100,000 maximum)
150% of Trip Costs
($150,000 maximum)
150% of Trip Costs
($150,000 maximum)
Trip Interruption - Return Air Only $500 $750 $1,000
Trip Delay $500 ($100 per day) $750 ($150 per day) $1,000 ($200 per day)
Missed Connection NA $250 $500
Baggage & Personal Effects $750 ($50 deductible) $1,000 $2,500
Baggage Delay $200 $300 $500
Accident & Sickness Medical Expense* $15,000 ($50 deductible) $25,000 $50,000
Emergency Evacuation & Repatriation of Remains $150,000 $500,000 $1,000,000
Accidental Death & Dismemberment NA $10,000 $50,000
Assistance Services Included Included Included
Additional Benefits (if purchased within 15 days of Initial Trip Payment; Day 1 is the date the Intial Trip Payment is made)
Pre-Existing Medical Condition Exclusion Waiver Included Included Included
Trip Cancellation/ Interruption due to Financial Default Included Included Included
Accident Sickness Medical Expense Excess Coverage Primary Coverage Primary Coverage
Baggage & Personal Effects Excess Coverage Excess Coverage Primary Coverage
Flight Accident $25,000 $50,000 NA
Missed Connection NA Additional $250 Included in base plan
Optional Benefits (if selected byt the Applicant and required premium is paid)
Medical Coverage Upgrade Included in base plan Included in base plan Additional $50,000
including Emergency Evacuation* Additional $150,000 Additional $500,000 Included in base plan
Car Rental Collision Coverage $35,000 ($250 Deductible) $35,000 ($250 Deductible) $35,000 ($250 Deductible)
Flight Accident Amount selected up to $500,000 Amount selected up to $500,000 NA
*Coverage, pricing and availability may vary by state
*Additional Benefits change not available for CA, CO, KS, MN, MO, MT, NH, NY, PA, TX or WA residents at this time.


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Questions?
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Or +1-727-526-1571
We can assist you with all your travel arrangements. We'd be happy to help you plan your flights, hotels or tours before and/or after your cruise conference.

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