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Apply For An IVA



What is an Individual Voluntary Arrangement? Why Should I Apply?

What is an Individual Voluntary Arrangement?

An Individual Voluntary Arrangement (IVA) is a formal debt solution that allows people to pay back a portion of their unsecured debts over time, and write off any that they can’t afford. This can help people with serious debt problems to regain control of their finances and get their lives back on track.

IVAs are available in England, Northern Ireland and Wales. They can be set up as monthly instalments or a lump sum. You must qualify to make an IVA.

How an Individual Voluntary Arrangement works

An IVA is an agreement between you and your creditors to repay a portion of your debts. It’s a legally binding deal that needs to be agreed by at least 75% of your creditors.

It’s a formal process that usually lasts for around five years (depending on the length of the IVA). You can release equity from your property as part of your IVA, and it can also include one-off settlements.

If you’ve got mortgage or rent arrears, it’s important to check with a free debt adviser about whether your creditors will agree to this in your IVA. They may not, so you could end up paying more than you can afford.

Your credit score is likely to be affected by an IVA. It will be on your credit report for six years, but once it’s marked ‘completed’ your score will start to improve.

We can help you find the right debt solution for your situation. Book your free initial consultation today!

Apply for an IVA Today

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The Impact Of Diet And Lifestyle On Teeth WhiteningThe Impact Of Diet And Lifestyle On Teeth Whitening

Diet and lifestyle can impact the effectiveness of teeth whitening treatments.  

Luminous white teeth are highly sought after. You may wonder why your teeth aren’t as white as they used to be. Even teeth that are naturally white and brilliant can lose their luster over time.  In this post, we seek to answer two questions: 

  • What causes tooth discoloration?
  • How can you bring your teeth back to their natural luster and shine?  

What causes tooth discoloration? 

There are a few reasons your teeth can become stained, discolored, or dull. 

  1. Food and drink choices. Coffee, tea, dark sodas and sauces, mustard, red wine, blueberries, pasta and potatoes are the most common culprits of tooth stains. Unsurprisingly, the prolonged use of cigarettes and chewing tobacco also cause discoloration and other oral and health problems. 
  2. Poor dental hygiene, including a lack of brushing and flossing can also lead to tooth stains. Counterintuitively, excessive fluoride use is associated with discolored teeth. 
  3. As we age, tooth enamel naturally thins. This reveals the yellow-colored dentin underneath. 
  4. Diseases, medical treatments and trauma can cause stains. These include certain childhood diseases that affect enamel development and injuries to the mouth. Medications and treatments such as chemotherapy, radiation, Tetracycline, antihistamines, and antipsychotics can also lead to discoloration. 

Preventing and cleaning tooth stains at home

The good news is that although there are many ways teeth become stained, there are just as many ways to restore your bright smile. 

  • Reduce your consumption of foods and drinks that cause stains. When you do consume something that is known to stain, drink water to rinse your mouth. You can also try sipping liquids through a straw to prevent staining your front teeth. 
  • Quit tobacco use to keep your teeth from yellowing and to preserve your health.
  • Maintain a consistent oral health routine. Remember to stay away from whitening toothpastes.  They don’t work well and often deposit unnecessary amounts of acid on tooth enamel. Instead, opt for gentle  toothpastes with the ADA seal of approval. And be sure to visit Dr. Frahm for dental cleanings and check-ups. 
  • Brush at least two times per day for two minutes each time. Our Clinical Hygiene Director Stacey recommends a toothbrush with gentle bristles. She prefers an electric toothbrush like Sonicare or Oral B to support gum health. 
  • Flossing your teeth properly, everyday removes stain from between your teeth and along the gumline. 
  • Nature’s whitening. Some fruits and vegetables offer beautiful benefits that include a wee bit of smile enhancement. Next time you’re at the farmer’s market, consider buying some broccoli and cauliflower from our local farmers. These veggies give your teeth a good scrub.  They may help remove light stains and add a bit of shine, all while offering your body some incredible nutrients. 

Teeth whiteners

If your teeth stains don’t respond to the preventative measures listed above, there are different types of teeth whiteners that are available either over-the-counter or through Dr. Frahm. 

Over-the-counter whiteners

Stick-on strips and tooth shaped trays are widely available at grocery stores, drug stores and online. The results vary depending on the product, but you can see some visible differences within a few weeks. You should note that there are a few risks and downsides. Not only do you run the risk of burning gum tissue inadvertently with ill-fitting trays and strips, but most at-home products require frequent touch-ups. 

Professional grade whitening

There are two types of long-lasting teeth whitening treatments available at Dr. Frahm’s office: in-office treatments and take-home professional grade treatments. Both are custom whitening treatments that meet your specific needs. The in-office treatments provide immediate results.  The eco-friendly Sinsational Smile treatment whitens teeth up to five shades lighter in only 20 minutes. The ZOOM system is another powerful option which whitens teeth up to 10 shades in under an hour. 

Another popular solution is a professional, take-home whitening kit. The kits include whitening trays that are custom-fit to your mouth. Each treatment is followed by a high-grade fluoride treatment which produces whiter, brighter results within two to four weeks. In-office and take-home whitening treatments last six months to a year. Best of all, with Dr. Frahm, your take-home whitening kit is free when you become a patient. 

If you are looking to brighten your smile, contact our care team at Dr. Frahm’s office to explore your options. 

How to Maintain a Healthy RoofHow to Maintain a Healthy Roof

How to Maintain a Healthy Roof

 

A roof covering is an essential part of every framework, so you need to take steps to maintain it well. Additionally, the expense of changing or repairing a roof covering is expensive and also this is even more reason you need to strive to keep it well. Under typical conditions, your roof ought to be inspected once or twice a year by an industrial roofing services company, commonly prior to the winter, hail storm, and hurricane periods. Besides normal examination, here are some things you can do to preserve a healthy and balanced roofing.

Learn more: https://surpriseroofingcompany.com/

Guide For Maintaining A Healthy Roof

Keep an Eye on Your Tiles

Missing or harmed tiles is the solitary biggest reason for roof substitute. To prevent such costly replacement concerns, you have to watch out for the wellness of these shingles. Clean these tiles once in a while to ensure that they are without dirt and algae. Such normal cleansing will certainly help to safeguard your roofing’s stability.

Additionally, when you inspect your roof shingles usually, you can rapidly recognize the used or broken ones, you can swiftly replace those tiles alone. Though they are very easy to replace, consider taking the assistance of business roofing solutions if you need to.

Change Roof Sealants

Roof covering sealers help to keep your roof with each other as well as they stop water from permeating in. Like shingles, inspect the sealant typically to look for any damage or splits, so you can replace it immediately. This makes certain to show to be a lot cheaper than a roof covering repair work.

Trim Branches

Sometimes, the branches from nearby trees can fall on your roof covering as well as damages it. Additionally, when leaves from these branches fall on your roof, they preserve moisture, as well as can rot your ceramic tiles. To prevent this, make certain you trim the looming branches usually.

Clean the Rain gutters

An usually ignored aspect of roofing maintenance is the pile-up of particles in your seamless gutter. When your rain gutter is choked with dried out leaves and also branches, water can not move freely through it. As a result, water gets gathered and with time can permeate via your roofing. This is why it is essential to cleanse your gutter usually, especially prior to the stormy or snow season.

Look out for Corrosion

If you have actually any type of utilized any steel components for creating your roof, examine them usually to make certain that they are devoid of corrosion. Such close check will stop the opportunity of deterioration in the future. If you do observe any rust, brush it off gently utilizing an excellent brush. An also better choice is to paint that part with rust-proof paint.

Prevent Ice Dams

Ice dams certain appearance rather. They convert your home right into an enchanting snow castle when looked from outdoors, yet at the same time, they are bad for your roofing system. The cash and also effort you’ll have to fork over to fix this roof covering is certainly unworthy the beauty of ice dams. One way to prevent them is to protect your roofing system as well as maintain your roofing temperature level near the external temperature as this will avoid ice from gathering on it.

Hence, these are several of the actions you can take to keep a healthy roof. If you discover anything damaged or missing, make sure to connect to a reliable business roofing solution immediately so you can avoid a complete roof substitute.