Dos and don’ts of IVA’s

If you’re paying off a debt using an Individual Voluntary Arrangement (or IVA), sometimes it’s hard to get good advice. Here’s a basic guide to follow on what to do and what not to do if you’re about to get into one.

The basics

Don’t forget what you need to be in one. First of all, a debt. But, what kind of debt? If the money you owe is for child support, a student’s loan, is for a mortgage or a rent arrear or is a guarantor loan’s debt, then forget about it. No one’s going to approve that. Any other debt is mostly approved. Generally it’s about a credit card, or council taxes debts. IF you have debts from two creditors or more, you have more chances to be approved, but it’s not a requirement, just an advice any professional will give you. Anyway, if that’s all right, then go check the second thing on the list: your incomes. You’re about to monthly pay your debts, so you need to prove that you will have the money to pay the arranged amount every month. Before approving your petition, they’re going to ask you for an ID (don’t forget your credits records are online), three months of bank records, and the last three pay records from your employer. And if you’re not employed, then any kind of evidence that can prove that, so be prepared. The rest is just papers and waiting.

Advanced mode

Okay, you’re in now. Every month you’re paying and waiting for the arrangement to be done. Now your Insolvency Practitioner (or IP) was designed by the court to be an intermediate between you and your creditors, so beware, you’re being supervised. Of course, you cannot be contacted by any of your creditors directly, so if that happens you have to notice your IP and legal actions have to be made, as the creditors are not allowed to contact you by any media but through your IP. And also, if your circumstances change, like if you move (don’t forget, the IVA’s tend to last 5 or 6 years in general), or if your income changes (either increases or decreases) you have to tell your IP. If there’s a problem, the IP has to advise you and tell you how to proceed. This procedure has a court in the middle, and everything has to be advised. And don’t be scared if every year you get a review from your IP, it’s their work to make sure your bank statements and all the information you give is accurate.

Into the finish line

There are years from the start point to the finish line, generally five or six, but once you get to the end, you are a new person, and that’s something you cannot let go. IF no one gives you the completion certificate, ask for it. And your debt record has to be cleared now. Move on, go ahead and don’t make any mistakes. You have been given a second chance.

5 Small Things That Mean a Lot While Writing a Paper

People will spot a small dot across an entire whiteboard. In a similar way, they will also pinpoint and pick mistakes in your paper, no matter how great is it. In other words, it is these small things that matter that we ignore the most. Submitting a paper is not just the content that matters, but also how well is it presented. 

Certain post-writing rituals will keep you well guarded from letting your paper look below standard. I didn’t know this until my friend gave me these simple pointers to keep in mind on my request to get someone to write my uni paper; because I used commit so many mistakes. In fact, I got to know that a well-proofread paper has much higher chances of being regarded as the best as that which is not.

The ‘small things’ that matter are as follows:

  • Do a Thorough Spell Check before Submitting your paper

When we write a paper or an essay, we want to pen down our thoughts as soon as possible. That’s great. But in our quest for speed, we commit more often than not spelling errors which don\t look good while reading. In many cases, it also alters the meaning of the paper. Words such as ‘though’ and ‘through’ may completely change the meaning of a sentence.

  • Sequence of ideas

A logical flow of ideas is crucial to have your paper sound consistent and rational. Though referring to ideas mentioned earlier is fine, but if the entire structure of the ideas contained in a paragraph is not in order, then you have very few chances of your writing being appreciated.

  • Grammar and Syntax

The reason the world stresses so much on the importance of grammar is that people are attuned to reading the language in a particular manner. Thus we have ‘rules’ of grammar so that whatever you write is understandable to everyone that is proficient in that specific language. Therefore, in writing a paper – research, academic or essay – not only are you tested on the subject matter that you are writing, but also how well you adhere to the mores of grammar and syntax.

  • Punctuations

Just imagine what would happen if you put a ‘comma’ instead of a ‘full stop’; or an ‘exclamation mark’ in place of a ‘question mark’. It changes the entire meaning of the sentence. Also, as a writer, it would portray you as casual and will take your work less seriously. And this is not just for paper writing, but in all types of writing – emails, letters, articles, editorials etc.

  • Proofreading by others

 After you are done doing all of the above and are sure that your written stuff is neatly packed, this is the time to give it for proofreading to someone else. The reason for is that many a time, we are so stuck with a kind of vocabulary or its usage in a particular sequence, we might not know where have we erred. Hence, it becomes important that your writing goes under the lens of someone who is good with language and sentence construction. Many a time even spell checkers online are not able to detect all mistakes of a particular language.

Verizon Newest Deals

Since 2005, Verizon has led the market in providing fiber networks across the States. It has consistently updated its services over the years and as a result, remained relevant in the market. Today, it is reliable in 9 states with at least 33 million subscribers. With most of the subscribers in New York, New Jersey and Pennsylvania, the giant company has maintained new offers for its users. Among the most popular in the latest Verizon Fios new customer deals is the $79.99 Triple Play Bundle.

Here we will explore the latest promotions the Verizon newest deals.

Choosing a Package

Beware to compare the contract terms before proceeding to take any product. Consult and study the products to ensure you got what you need. Verify the after sales service offers as well as the terms of the promotions.

Although Verizon is among the biggest in the market, it is possible to get deals that are suitable the customer with the least needs. Do not worry, you will find a package that will fit your needs. Check the continuous offers to ensure you get the best deal available.

The New Deals

The latest deals include the Fios Gigabit Connection with Custom Tv and phone. It has up to 940 Mbps speeds and no data cap. You will benefit from unlimited calls nationally and a 2-year promotion rate before resuming the actual rates. The package goes for $79.99 on a contract term on 2 years. This product comes with free Samsung chromebook3 or $200 credit. There is a further $500 credit to protect early termination. Terms and conditions apply.

Another popular package is the Fios TV Local with 100 Mbps Internet. It has a year’s promotion rate which will resolve to a regular rate of $69.99. The marked price of the package is $54.99 on auto pay. You will enjoy additional premium movie channels such as HBO for the first 3 months. After that the regular charges apply. A $500 credit will be used to cover early termination fee based on terms and conditions. Online orders are exempted from setup charges.

The Fios Gigabit Connection with Custom TV goes for $74.99 with auto pay as a requirement. Unlike the Custom TV plus phone, this package comes with a 1-year promotion rate and a $89.99 regular rate to follow. It also has speeds up to 940 Mbs. $500 is used to help cover early termination fees. There are no setup charges for online orders.


Verizon is a top company and its deals are reliable. It is reputable for its prowess in providing fiber optic connections. They provide the best speeds in the market. In fact, their speeds are over 5 times faster than their rivals. This is because they use latest technology in fiber optic cables to supply Internet. They also rarely face technical hitches and hence provide consistent Internet if you ensure your bills are paid. If you ever live in their zone, you will be lucky to enjoy the fastest internet connections available in the United States.

Things to Look for When Choosing Residential Treatment Programs for Troubled Youth

If you are the parent of a teenager who is suffering from a mental health condition, it can sometimes feel quite difficult to know exactly where to turn. Whether they are suffering from a substance abuse disorder, depression, an eating disorder, PTSD, or anything else, it is important to know that there is still hope. When nothing else has worked, you may want to consider the possibility of a residential program for teenagers. Residential treatment centers (RTC) are unique in the sense that they are able to help your teenager focus on recovery in a way that many other programs are unable to do.

This article will discuss the different components of residential treatment centers and how to determine which RTC will ultimately be best for your teen. The modern concept of a residential treatment first began in the early 1900s with the concentrated work of Anna Freud (Sigmund Freud’s daughter). Since then, multiple waves of development have enabled psychologists to treat teenagers more effectively than ever before. Today, residential treatment centers offer a source of hope for both parents and teenagers who have nowhere else to turn.

Types of Disorders

Residential treatment centers will typically be used when a family has tried another option for recovery but was ultimately unsuccessful. With many mental health conditions, the recovery process can be incredibly difficult. The primary benefit of using an RTC is that, because your teenager will be actively living there, they will be in a unique position to not only make recovery their highest priority—it can be their only priority.

There are many different kinds of disorders that residential treatment centers can be utilized to directly address:

  • Depression, anxiety, and bipolar disorder
  • Eating disorders such as anorexia nervosa, bulimia nervosa, and others
  • Patterns of self-harm and suicide ideation
  • Severe Post-Traumatic Stress Disorder (PTSD)
  • Substance abuse disorders
  • Any other disorders where traditional treatment models were attempted, but failed

With a residential treatment center, your teenager can be effectively removed from many of the things that may be complicating the recovery process. These things can include outside sources of influence such as their peers, the availability of harmful substances, and other common sources of stress. The best residential treatment centers for troubled youth are the ones that are able to create an environment of love, support, and guidance.

Types of Treatments

Though residential treatment centers typically have just one goal—helping guide residents to recovery in a way that will last—there are naturally many different ways to administer treatment. The type of treatment that is best for your teenager will ultimately depend on the condition(s) they are suffering from and their unique personality.

Here are just a few of the common treatment modalities that may be found at a typical RTC:

  • Individual, group, or family therapy (when appropriate)
  • Cognitive Behavioral Therapy (CBT)
  • Dialectical Behavior Therapy (DBT)
  • Somatic Experiencing
  • Numerous other treatment models supported by research and evidence

Additionally, one new type of treatment that has recently become popular among residential treatment programs is known as experiential treatment. This type of treatment modality involves teenagers recovering through the use of positive experiences. Things such as art, music, writing, surfing, yoga, and hiking are examples of possible activities your teenager may benefit from engaging in.

The uses of the treatments mentioned above are not mutually exclusive. In fact, the best residential treatment centers for teens are often the ones that are able to effectively combine multiple different treatment types in a way that addresses your teenager’s unique situation.

Lengths of Stays

There is no single answer to the question “how long will my teenager need to stay before they are actually better?” Naturally, each individual circumstance will be much different than any other. However, there are a few different lengths of stay that are more common than others.

  • Short Term—staying for three days or less
  • Medium Term—staying for a few weeks
  • Long Term—staying for multiple months or more

The length of stay that will be most appropriate for your teenager will depend on the progress they are able to make, the effectiveness of different treatment models, and the recommendations of the staff. Figuring the right amount of time for a given person to stay can sometimes be a rather difficult task. Though the staff will certainly want the recovery to happen sooner rather than later, they may be hesitant to recommend a release before your teenager is fully recovered. The optimal RTCs will be the ones that are prudent about the recovery process, but are not pressuring departures to occur too soon.

Rehabilitative versus Psychiatric Treatment

Though rehabilitative treatment—particularly treatment for a substance abuse disorder—and psychiatric treatment are certainly very similar, there are still several important distinctions existing between them. Rehabilitative treatment focuses primarily on helping remove the individual from external sources of harm such as substances that could be abused, damaging relationships, and other potential triggers. On the other hand, psychiatric treatment seeks to reconcile internal processes through the use of various treatments.

Ultimately, rehabilitative programs and psychiatrics treatment programs often complement each other quite well. The residential treatment center that will be best for your teenager is likely the one that is able to most effectively provide both internal and external solutions.

Dual Diagnosis

Dual Diagnosis is a term that is used to describe a situation where an individual simultaneously has a mood disorder (such as depression, anxiety, bipolar disorder, etc.) as well as a substance abuse disorder. Individuals who have been dually diagnosed often require a much more specific set of treatments that can directly address their needs.

Dual diagnosis is important because substance abuse disorders and mental health disorders are often found to reinforce one another. For example, individuals who suffer from various mood disorders are more likely to suffer from substance abuse. This is largely because substances may be used as a coping mechanism, but also because many mood disorders inflict an individual’s ability to choose long-term benefits over short-term releases.

On the other hand, substance abuse disorders can also potentially trigger mood disorders as well. In order to combat both of these issues at once, it is important to view an individual’s situation from a more comprehensive perspective.

Customizable Treatment Options

Ultimately, in addition to things such as price, location, and reputation, it seems the most important feature a residential treatment center can offer is the ability to create customized treatment models. Though your teenager is unlikely to be the first person to be suffering from a given condition (or even a combination of conditions), whatever situation they are in is still entirely unique.

With the ability to customize treatment, the clinical experts at a given RTC can continually adjust their approach as time goes on. Treatment models that have been proven to be working can continue and treatment models that have been ineffective can be adjusted and replaced with an alternative solution.

As a parent of a teenager who is suffering from a substance abuse disorder or other mental health issue, you are likely looking for a place you can turn. Even if it seems there is currently no hope, a residential treatment center be exactly what you are looking for. Most residential treatment centers offer flexible payment options and will happily discuss their approach to treatment with you. Though things may not be easy in the status quo, there is certainly reason for to believe they can get better.

Could we trick the brain to stop tinnitus?

Tinnitus can be considered as the health condition, which will subject you towards a ringing sensation in the ears. You will hear this sound, even if there is no external source of sound available in your neighborhood. This health condition can be pulsating, steady or intermittent. On the other hand, you will be able to get the ringing sensation in just one ear, or in both your ears.

If you are experiencing this ringing sensation in your ears, you don’t need to worry about anything. That’s because tinnitus can be considered as an extremely common health condition. From one of the recently conducted experiments, it has been identified that around 30% of people who live out there in the world will have to experience tinnitus at a given point in their lives. On the other hand, around 10% of people who are affected with tinnitus will have to live with it for a long period of time.

It is important to keep in mind that there is no drug therapy available in the market to treat individuals who are dealing with the negative consequences associated with tinnitus. However, there is a possibility for you to overcome this health condition. All you have to do is to go ahead and trick your brain, so that you will be able to bring the health condition to an end.

Your brain is generating a large number of signals. These signals are being transmitted across the brain as well. In fact, all the signals that are generated and transmitted inside the human brain are subjected towards constant changes. When these signals get boosted, a person will become a victim of long term potentiation. This is more relatable for the ability that human beings have in order to store memories and learn new things.

The human brain will also generate false signals, which are not really present due to any external factor. These false signals are responsible for leading you towards tinnitus as well. If you want to overcome tinnitus and the other negative consequences associated with the health condition, you should look for a method to trick your brain and keep it away from producing these false signals. Otherwise, these signals can get transmitted into your inner ear and you will become a long term victim of tinnitus.

The cells that are located inside your inner ear have the ability to boost the signals that it receives. That’s the main reason why people who are affected with hearing loss will have to experience more intense tinnitus. In other words, their auditory nerves or inner ear, consisting of cochlea is damaged. As a result, they will find it as a difficult task to be exposed to loud noises. On the other hand, tinnitus can be present in an intense manner among such individuals. This can be a frustrating health condition and all people who are dealing with the negative consequences of it will get the need to overcome within a short period of time.

As mentioned earlier, there is no drug therapy available for the people to overcome tinnitus. However, there is an amazing supplement called Tinnitus 911, which can deliver amazing results for the individuals who are dealing with the frustration of tinnitus. You just need to take these capsules on a daily basis and you will be provided with the opportunity to overcome tinnitus in a convenient manner. The results you get out of this program are simple and straightforward. Hence, any person who is dealing with tinnitus can go ahead and try out Tinnitus 911.

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