Our environment is so important, not so much our worldly environment (which is a big deal) but our personal environment. Am I the only one who feels this way? You can tell a lot about me by the state of my office on a Friday evening. If you come into my office and chairs are not in their place, papers thrown about and it looks haphazard, that’s usually a tell tale sign that not only am I busy, but I am not exactly in control of my life. In contrast, if you were to walk into my office on Friday and everything is in its place and structured then I have things under control. I may or may not be as busy, but I have it covered.This seems to extend to even my vehicle, if my car lacks a nice coat of wax and doesn’t glisten in the sun then you know that my life is either stressful at the moment or I don’t have things under control. Now for someone like me who is very, very neat with everything that I do, getting to this point takes a whole lot of buildup of stress and negative situations. When I get to this point, seeing my office and car in disarray are usually signals to myself that I need to hunker down, get strong, and take care of my mess.Chaos makes me worthless; I don’t like chaos, so seeing it in my life usually means that I am near defeat. Whenever I get to this point I have the tendency to throw everything aside and get to cleaning, which for me is one of the greatest therapies ever. The quiet time and elbow grease it takes to get dirt and grime out and put things back where they belong and to have the place looking neat.When I wash my car I do the tires, I detail the interior and I make it an art. It’s not ever a chore because it reflects on me. Although this may not apply to everyone, it is a bit of a reminder that our environments do reflect what’s going on in our lives and how we handle situations. If you let things fall as they will it is either a representation of your personality or if you are a neat freak by nature like myself then it is a tell tale sign into your life.
Sole responsibility for dog health care can be stressful and challenging. Every dog owner wants the best for their mutt’s health and the best way to ensure this is by splitting the responsibility across the whole family. This article will give you a brief guide on how you can get the whole of the family involved in looking after the dog and the dog health care.Make It FunKids naturally love dogs, so it shouldn’t be too hard to get them involved in dog health care. Perhaps you could give the children tasks which you could oversee, such as feeding and bath time. This is especially relevant for parents with younger children and it will make it easier to get them involved when they are a bit older. They will develop an early understanding of what it takes to look after a dog and maintain these high standards their whole lives.Shared ResponsibilityIf your family is a little bit older, then there is no reason why you cannot share the load of the more laboured responsibilities. Devise a rota so you take it in turns to bath the dog and take it for walks. This way everyone is pulling their weight and the dog’s health can be easily kept on top of.Extended FamilyMore and more families travel abroad for their holidays now, posing the problem of what to do about their dog and its health care. An animal should never be simply ‘fobbed off’ on a relative, because their health care may be unintentionally neglected, through a lack of understanding.Earmark the relatives you are likely to leave your pet with early and make sure they have developed a relationship with the dog before the dog goes to stay. This way they will have an understanding of the dog’s personality, as well as specifics such as their dietary requirements. This will ensure your dog has as fun a holiday as you do.
Natural health care is not a new concept, but has existed since the time immemorial. A number of countries like China and India have contributed towards the practices of using natural products for prevention and treatment of different health conditions. Synthetic and chemical based health care products were introduced much later and unfortunately, they over shadowed the benefits of natural products.Synthetic products gained popularity for offering instant relief for many health conditions. However, the some serious draw backs of these products started surfacing soon. Extreme exposure of the body to the chemicals introduces their side effects and dependence. The patients using them fail to build natural defense against health issues, enforcing them to use these medications forever. Here is how natural health products prove advantageous.The common understanding of the people makes them consider only herbs and plant based products as natural health care products. Though these are most popular ones, there are many other categories as well. Vitamins and minerals based supplements should also be counted among these products. Essential fatty acids and probiotics are other good examples. In fact, the products used in homeopathy and traditional therapies too are included in this group.These products have started making an increasing presence all over the world, including countries like the UK, USA and Canada. The governments in the countries like Canada have set up regulations for these products, making them even more noticeable. Natural health care products are manufactured in many regions of the world and supplied to various markets. According to the popular regulations, these products are usually available for over-the-counter sale and can be purchased without doctors’ prescriptions. However, it is recommended to consult a natural doctor or specialist before using them.The most noteworthy advantage of natural health care products is that they don’t cause serious side effects. Because of their origin from natural sources like plants, these products are safe for all age groups. The second advantage is that their long term usage does not make the patients dependent on them. In fact, their usage can be stopped at the point when they succeed to strengthen the body’s defense mechanisms.Another significant fact about these products is that they are free from laboratory prepared chemicals. This means that using them does not introduce the threats like skin irritations, allergies and entry of chemicals into the blood stream. There are no artificial colors or aromas added to these products which make them even more useful.Health care products prepared from natural ingredients don’t contain artificial preservatives like parabens that are present in chemical-based products. Only natural preservatives are used to increase the shelf life of these products. They are also known for rendering long-lasting results in many types of health conditions. Last, but not the least, these products are nature and environment friendly as their manufacturing doesn’t involve harmful chemicals or practices.
The word “mortgage” is pretty familiar to any home owner. Then what are commercial mortgages? This is a loan which you can get having a piece of land or real estate as a collateral. This is the method to get the loan repaid. It is like a usual mortgage on a residence but the difference lies in what is being offered as collateral. There are two major differences between a residential mortgage and a commercial one.The collateral in the case of the latter is a commercial business property and not any residence property.
Secondly the applicants of a commercial mortgage are not individuals but companies, partnerships, or even corporations. This is where the intricate nature of this kind of mortgage lies. It is far more difficult to judge how suitable a company is for a mortgage than judging an individual. Assessing the credit history of an entire corporation is far more complex than that of an individual.Kinds of a Commercial MortgageThere are two kinds of commercial mortgages that can be offered to the applicants:One is nonrecourse mortgage. With this kind of a loan, if your company fails to pay back the mortgage, the real estate as collateral will be seized. But if there is any amount still left to be paid over, the creditor cannot pursue the borrower for the remaining amount.
Usually the mortgage is such that even if the foreclosed property fails to yield the full amount of the loan then the borrower will still have to make the remaining payment.Why are commercial mortgages used?This form of commercial loans is used by companies to get more real estate through such methods of acquisition.To make an extension of an already existing business property.
It is also a form of investment.Eligibility Criteria The company applying for the commercial mortgage will have to satisfy the eligibility criteria to get a good loan. Firstly, there is a cash ratio which has to be fulfilled. Also, the company has to have a really good credit history. With bad credit you don’t get a good loan that is the rule. Thus the loan to value ratio has to be a really good one.The bank which is giving the loan will also see whether the business is currently stable or not. It also has to have a current profitable run. The bank might ask to see the financial reports and also the financial aims and goals that the company has in mind.Basically the bank needs to be convinced about the fact that your company will be able to pay the loan amounts. There are quite a few kinds of businesses that a bank will never lend to. This is a very tricky area and requires professional help. In case your company is planning to get a commercial mortgage, seek some specialised help.
When a commercial loan is considered to be non bankable, it is termed to be a commercial hard money loan. In these cases, the business for some reason fails to qualify for the standard banking criteria necessary for a commercial loan, but does have assets or real estate that are enough to collateralize the loan for lenders or investors. Therefore, the financing options are left to private lenders. A borrower to renovate and flip a commercial property often uses these loans.It is usual for the commercial loan to have higher risks, not only to the borrower, but for the lender as well. Therefore, these types of loans are typically more expensive than commercial loans. Interest rates for these types of loans will vary between the different lenders and the amount of risk they are considered to be taking.Finding a commercial lender is not always a simple endeavor. Commercial hard money lenders all have money readily available and disposable. However, if the borrower presents too much of a risk, these private money lenders will also decline their appeals for loans, even though the lenders exist for the purpose of helping people who have been turned down by the banks and have no other financial resources readily available to them.Commercial hard money lenders take a different approach from that of conventional banks. Loans tend to be approved (or rejected) very quickly and less paperwork is required of the borrower. The borrower’s credit history is not always taken into consideration during the loan process. If he or she can convince the lender that the proposal makes sense business-wise, then there is an increased likelihood for approval.Commercial hard money loans can be spent on business expansion and for property developments. They can be used as construction loans, real estate transactions and other ventures that require large sums of money. Although private investors make the lion’s share of hard money loans, commercial lenders and private companies also make them.When a potential borrower approaches a commercial hard money lender for a loan, he or she is given a worksheet that is known as a “Scope of Work.” The borrower fills out this sheet with every last details of why the commercial hard money loan is needed. For example, if someone would like to buy a building and convert it into a coffee shop, the Scope of Work would list each and every repair needed, the length of time expected in which the repair could be affected (including waiting periods for permits) and the cost of each repair or renovation step. If the borrower happens to omit a step in the process, it could prove difficult to get the lender to provide funding for that particular repair.While commercial hard money loans can be difficult to come by and more expensive than bank loans, there is no doubt that lenders who deal in hard money commercial loans find ways to make deals happen.