Top 5 Pet Travel Tips

Now that you’ve decide to bring your extended family along, these pet travel tips will guarantee you a safe, worry-free, comfortable vacation for you and your precious animal. Since these animals are considered part of the family they should be part of the travel plans and their needs should be considered long before the travel date.Before those important pet travel tips are presented let’s start with the basic tip. Before your travel date, see to it that you’ve consulted your vet about your creature’s ability to travel.Those that are sick, recovering from an illness, too old, too young, or is pregnant are better left at home with a sitter or at a boarding company. Also check with your vet concerning necessary vaccinations and the issuance of health certification for travel purposes.Have a stress free vacation with your animal with these pet travel tips.1) Identification is very important not just for you but also for your animal. Be sure that he wears a rabies tag and an identification tag that contains your name and information on how you can be reached.Tags and collars can come off so consider the alternative of embedding a microchip into the skin. Consult your vet about this first.2) Your pet travel crate or carrier should have enough room for him to move, should be well ventilated, has handles and grips for easy handling, doesn’t contain sharp objects that can harm him, and most of all it should be labeled with his name, and information as to how you can be reached. To make your pet comfortable inside the crate, put a touch of home such as bringing a shirt with your scent, and bringing his favorite toys.3) Bring food, fresh water, eating and drinking bowls, pooper scooper and your pet’s first aid kit with you. Your pet’s food could be hard to come by; the reasons for the second up to third item to bring are pretty obvious; however, the first aid kit should contain your pet’s medications, ointments, and other medicines your vet might recommend.Remember, it’s always safety first whether you’re traveling by land or by air.4) If you are using a car for traveling, use a pet travel carrier to secure your pet and don’t leave pet unsupervised inside the car they could get stolen. It is not safe to let your pet’s head stick out of windows, choose a shady area for parking, and lastly don’t forget the food, water, and bathroom breaks.5) The last in this list of pet travel tips is about air travel. First, familiarize yourself with the airline’s rules for bringing animals with you and use an approved pet travel carrier for your pet that is marked with live animals then book a nonstop flight because connecting flights rarely have room for the pet to move about outside his carrier before the next flight.If you follow these pet travel tips and if you are very patient with your animal its a guaranteed fun, special, and stress free trip.

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Useful Tips for Property Development

There can be a lot of confusion surrounding Commercial Finance and what it implicates within the financial world. People tend to confuse Development Finance with Commercial mortgages, which is more than easily done as the two do tend to overlap one another. Development finance is where an individual or company/business is looking to develop property/properties and have some capital but need a short term loan to help complete the development. Depending upon the lender and the circumstance, such loans normally span between 12-24 months. Commercial Mortgages on the other hand, are usually only required once the development has been completed and additional funds are necessary. Hence, Development Finance and Commercial Mortgages do tend to overlap. Despite the “Credit Crunch”, Development Finance is rapidly becoming more main-stream and is a very specific type of finance. Development finance is an extremely active market, with businesses wanting to expand for survival during the economic downturn. There are many high street lenders out there and therefore there is a wide variety of development finance specialists available to the consumer. It is recommended that you seek professional advice in order to find the right deal for you.Typically in the UK, Development Finance is used for various development plans such as; Property Refurbishment, New Build Projects, Property Conversions and initial land purchase and international projects. There are various different forms of this type of lending depending upon the needs of the individual/business. For example, a Senior Debt Loan usually covers the first 70% – 80% of loan to value although it can be arranged against gross development value. A Mezzanine Loan is a second charge loan on top of the senior debt loan, usually used to fund costs on one property while a developers financial resources are tied up elsewhere. Finally, Joint Venture 100% Finance contracts you with an experienced partner who underwrites the project and shares the profits upon completion.Property development is about having a vision; it’s about understanding the market and turning that vision into a reality. However, developers often have problems getting the finance right and knowing what products are available and which lenders to use can be confusing. Which form of development funding is right for you, depends upon your vision, whether you are a homeowner looking to invest or a company wishing to expand. There is also finance available for community projects which provide financial support to businesses and individuals in disadvantaged communities. Therefore, Development Finance is determined entirely upon an individual assessment made by the lender. Lenders will look specifically at aspects of the development proposal, such as; land purchase, ground work/services, footings/base, first fix/second fix and final snagging/sign off. In the difficult current market, lenders have to be more careful when choosing which developers to back; they are much more likely to support a developer with experience in the field than someone new to the industry.Commercial Lenders are there to build a relationship with the developer in order to share their vision and provide the support needed to make that vision a reality. No matter what particular development loan you have opted for, most can cover building costs, labour and architect/professional costs. Property development loans will be secured against the land or the property you wish to develop. More recently introduced forms of development finance can be used for debt, mezzanines or equity whereas other more traditional forms require deposits of around 20%-30%.Loan to Value rates and interest rates vary depending upon experience and percentage of funds required for development. Benefits of this form of finance includes that each development case is assessed on its own merit and it’s a form of finance that can be raised quickly, putting your development project into fruition as soon as possible. Additionally, the lender will be continually on hand to support the developer with advice and help manage the development funds. Whether the finished project is used to expand your property or used to spark a bigger development plan, development finance is the ideal funding to support you throughout the development.

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Subdividing Small Blocks – Still A Good Property Development Investment For Novice Developers

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