Daily Archives: May 4, 2018

man suffering from toothache

3 Sure Signs of Hidden Tooth Decay

man suffering from toothacheTooth decay is often asymptomatic for many people. In some way, this is great news since it means that you get to use your teeth without trouble. Yet, it also places you in danger of cavities. While an emergency dentist in Tauranga can spot early signs of tooth decay, you too can tell when there’s trouble brewing. Here are three signs to watch out for:

1. You’re experiencing tooth sensitivity

Are you scared of biting into some sort of food? If so, you aren’t alone since tooth sensitivity is one of the most common complaints among adults. Of course, it doesn’t always indicate that you have tooth decay. It could be that you just have hypersensitive teeth. Still, it’s a good idea to have your dentist inspect whether your teeth may be decaying. Sometimes, sensitivity is a sure sign of impending cavities.

2. You have bad breath

A foul breath is one of the clearest signs of tooth decay. As your tooth structure breaks down, it leaves room for food particles to get trapped inside. Bacteria inside the crevices breaks down the trapped food, releasing an offensive smell. Gross, right? Well, at least it alerts you that you may have hidden tooth decay, so get the dentist to check it out.

3. Your fillings are getting loose

Fillings replace lost tooth structure and will last anywhere between five and 15 years. If they’ve recently become loose, then it could be a sign that bacteria are breaking the seal that’s between the fillings and your teeth. Your dentist should be able to tell whether your lose fillings are a precursor to full-blown tooth decay.

Hidden tooth decay may be rather difficult to spot for an ordinary person, but if you know what to look out for, then you can arrest the problem early enough. As soon as you suspect that your teeth are in danger of cavities, schedule an appointment with your dentist for treatment.

mortgage loan agreement

2 Important Things to Know Before Securing a Home Loan

mortgage loan agreementThe real estate market in Utah is on an uptrend. Home costs have surged over the last five years. From a median price of $190,000, it has now gone up to $280,000, far higher than the pre-recession prices of $250,000. That makes investing in a Utah property more inviting.

Getting a mortgage or refinancing an existing one is best dealt through home loans. Mortgages in Utah are not prohibitive at all, but before investing, it’s important to learn some facts about mortgage regulations and product types.

Regulations

It’s important that a borrower knows the laws and regulations that govern the industry to ensure investor protection. In Utah, the Division of Real Estate regulates the real estate, mortgage, and appraisal markets. They maintain a list of providers of mortgage loans, as well as brokers that are also depository institutions or affiliates.

There are 194 registered residential mortgage lenders and brokers in the state. You can check them on the Division of Real Estate’s website. The law that governs mortgages in the state is the Utah Mortgage Financing Regulation Act.

Mortgage types

If you’re abreast with the regulatory environment, you can now look into the type of mortgage loan to secure. Fixed-rate loans are the most common options. Their terms include thirty, twenty, fifteen, and ten years. Longer terms offer lower monthly payments. A disadvantage of this is that the annual percentage rate (APR) is higher than those of the shorter-term loans. An APR not only includes the interest rate but also broker fees and other charges.

The 30-year and 15-year fixed-rate mortgages are the most traditional of the mortgage types, but lenders also offer several adjustable rate mortgage (ARM) types. These mortgages’ interest rates float during the life of the mortgage. Often, they start at lower rates compared to fixed-rate mortgages.

Now armed with some regulatory and product type knowledge, you can start your mortgage lender hunt with ease.