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Apply For An IVA

February 18, 2023February 18, 2023| Carl EvansCarl Evans| 0 Comments| 12:00 am
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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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What Is VoIP & How Does It Work?What Is VoIP & How Does It Work?

May 4, 2023May 4, 2023| Carl EvansCarl Evans| 0 Comment| 12:00 am

Many businesses wanting to upgrade their interoffice communications and better their business phone system look into VoIP phone systems to see if it’s a better fit for their needs. To help business owners decide if VoIP is what they’re looking for we will cover how VoIP works, what it is, and some of the advantages of having business VoIP phones for your company. 

What are VoIP and VoIP Phone Systems

VoIP stands for “Voice Over Internet Protocol” and is a phone technology that allows for calls to use the internet instead of the traditional phone system lines. With traditional phones in the office that’s all you get, one phone per desk with, maybe, some additional lines per phone. With VoIP phone systems you’re able to take calls on a tablet, smartphone or app, laptops, and VoIP phone systems. 

It’s a cost-effective option considering that if your office has a VoIP phone service then you no longer need to use a telephone company and most providers offer unlimited minutes. They also come with a range of features such as caller tones, auto-attendants, multiple phone numbers, call routing, and call waiting. For these features and the savings a business has, it’s becoming the new standard of communications regarding business phones. 

How Do VoIP Phones Work?

On the tech end, VoIP phones work by having a VoIP adapter take the analog audio signal and change it into a digital one. From there, the digital voice data is sent to your business phone service provider via the internet and routed to the other end of the call. It’s a nearly instant process that gives VoIP phones a better sound quality than traditional phones. 

Beyond using the internet instead of phone lines, VoIP works differently for several reasons. One difference is the lack of a circuit switching method to connect calls while VoIP uses the packet switching method. This way of connecting calls means that only data is sent and isn’t required to go both ways while using different paths through the internet making the connection more efficient. The data is also compressed to allow for more quick sending, which is why the delay is never noticed. 

As an example of VoIP calls, think of Skype.

The Benefits of Using VoIP

Beyond the two advantages listed before, VoIP phones being cheaper and faster, there is a wide range of benefits that your company can stand to be helped by:

Portability
One perk of using VoIP to make calls is that you’re no longer tethered to the premises or desk to make business calls. Wherever you are using the app, tablet, or laptop you’re able to access the business line and connect. This is a great advantage if working remotely or traveling for the company.

Scalable and Flexible
With traditional business phones, whenever you hire more people or are opening a new office you have to get more phones with wires. With VoIP phones, you can simply add new team members via an account dashboard as well as just have people install the right app on their personal phones. These days, smartphones can be split into two profiles so as to not mix personal use with business. 

Advanced Features
As mentioned earlier, there are a host of features to use for VoIP calls including:

  • Conference calls

  • Virtual receptionist

  • Hold music

  • Call waiting

  • Autodialer

  • Voicemail to email or text

  • Video conferencing 

There are many other features you can use with your VoIP company phones depending on the provider and is cheaper than traditional telephone service providers because they often have recurring charges for add-ons.

Explore VoIP with F2F Telecommunications

We at F2F Telecommunications do more than give small to medium-range businesses the VoIP phone service they need to compete without a technological handicap, we make sure they have all the data equipment too. Working with the company that is empowering Cincinnati businesses with unified communications means having your business phone systems complete and ready to go without being bogged down in updates and digital management.

Explore why F2F Telecommunications leads in providing VoIP phone systems to businesses below.

To learn more, check out F2F Telecommunications
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Stem Cell Treatment for KneesStem Cell Treatment for Knees

July 2, 2022July 2, 2022| Carl EvansCarl Evans| 0 Comment| 12:00 am

Stem Cell Treatment For Knees- Which Type is best?

Stem cell treatment for knees starts with determining your specific needs. Patients may experience stiffness or swelling. They need to be able to lessen the pain. The treatment usually lasts fifteen to twenty minutes and involves injecting fat directly into sore spots. It works best for large joints because fat cells act as a trellis to grow parts that are crushed. This treatment is most effective for the hips, knees and shoulders.

Mesenchymal stem cells

The use of mesenchymal stem cells (MSCs) as a therapy for osteoarthritis in the knee is gaining momentum due to the promising results seen with previous studies. These stem cells were isolated from the human umbilical cord tissue. They have shown promising results. But these results should be backed by more studies to confirm their effectiveness. Here is what you need to know about this promising therapy for the knees.

The mesenchymal stem cells are multipotent cells that can differentiate into any connective tissue derivative. They are obtained from the placenta or umbilical cord blood and can repair the knee and other organs. These cells are also known to be effective immunomodulators and secrete growth factors that stimulate the body’s regeneration process. These cells can repair damaged organs and tissues and reduce the inflammatory response.

Platelet rich plasma therapy

Patients suffering from osteoarthritis of their knees can reap the benefits of platelet rich plasma (PRP). These injections are safe, effective, and effective at reducing inflammation and pain. PRP is a common therapy used for other medical conditions, including skin rejuvenation and hair loss treatments. Platelet-rich plasma can be used for sports medicine as well as knee osteoarthritis. This procedure uses the patient’s blood to reduce inflammation and pain in the knee. Moreover, it can last for two to five years.

Bone marrow aspirate concentrate is also a good option for stem-cell treatment for knees. It is rich in regenerative cells, which can heal cartilage and joints. This can help reduce joint pain. MRI scans can reveal increased tissue volume. Many doctors are involved in stem cell research. The stem cells taken from bone marrow can be used to treat joint pain, inflammation, meniscus tears, and joint pain.

Stem cell therapy

The latest advancements in orthopedics have made it possible to develop less invasive treatments for conditions of the knee. Stem cell therapy for knees is one such treatment. This minimally invasive therapy is designed to repair damaged cartilage, improve joint function, decrease pain, and reduce inflammation. To promote healing, stem cells are taken from bone marrow of the patient and injected directly into their knee. Although the procedure can be risky, patients can expect to see a significant improvement in mobility and pain.

Because of their anti-inflammatory properties, stem cells are able to heal the joints and provide pain relief. They also contain hyaluronic acids, which act as a lubricant in the knee joint and encourages the growth of new tissue. These treatments can provide long-lasting relief for chronic knee pain. After a thorough examination, a physician may recommend a stem cell injection.

Stem cell treatment for knees costs

One recent study examined the cost of stem cell treatment for knees. Sixty-five of these centers provided pricing information for same-day, unilateral injections. The prices ranged from $1150 to $12,000, which Muschler and colleagues interpret as indicating that the cost is unrelated to fixed costs. However, the price may be more than the cost of a total knee replacement. And while insurance companies generally do not cover this treatment, it may be covered when paired with another procedure.

Three patients had received steroid injections to their knees, as well as several “gel” and “Synvisc injections. One study included three of these patients. Another patient had a brace prescribed by her doctor but didn’t want to wear one. One of these patients sought stem cell treatment for knees. One clinic used bone-marrow-derived stem cell, while the other used umbilical cord blood and amniotic liquid. The lowest price was $7500 for one knee.

Side effects of stem cell treatment in the knees

The FDA has approved stem cell treatment for some diseases, but it has not approved it for knee conditions. Orthobiologic treatment can be used to relieve pain. This therapy may be able to reduce inflammation and pain in the knees and could eventually replace knee replacement surgery. Until then, it remains an experimental treatment. These are possible side effects of stem-cell treatment for knees.

The majority of stem cell therapy for knee arthritis has had minimal or no side effects in most studies. Some people may experience some temporary swelling or pain following the procedure. While these side effects are temporary, most patients have no serious effects. Although stem cell injections have not been standardized yet, researchers and doctors continue to research them. For people suffering from arthritis in their knees, knee replacement surgery remains the best option. It may be expensive, but it can improve mobility and decrease pain.

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