Farm Livestock Safety Tips | Livestock

More injuries are caused each year by farm livestock than by tractors or farm machinery. Poor judgement or complacency around the animals are some of the most common reasons for farm accidents, and because animals’ senses are very different to our own, it’s important to remember that you need to approach animals with caution and acknowledge their very different needs when caring for them. Follow these farm livestock safety tips when dealing with livestock to minimize your risk of having an accident or catching a disease.• Try to develop a routine with the animals. Animals of all kinds respond well to a set routine, waking up, fed, herded and put in for the night at the same time each day. If you need to change the routine, do so gradually so as not to disorient the animals.• Approach all animals with caution. Most animals cannot see particularly well through their peripheral vision in the same way that humans can, so if you approach an animal from the back, you might spook them. Approach from the front or from the front side of the animal so that they are aware of your approach.• Animals have difficulty with depth and colour perception. They might also be sensitive to changes between light and dark. Shining a touch in their eyes whilst you’re dealing them during the night could well spook them. Try to set up a routine that enables them to move from light to dark slowly, or set up lights in barns so that the contrast between day and night isn’t so great. Make it easy for the animals and they’ll make it easier for you.• Be careful not to startle the animal. Animals are sensitive to many things, light and noise in particular, so it’s important that you approach carefully and quietly and speak to the animal in low and soothing tones.• Think about employing the services of farm animal vets. They can manage your livestock, doing everything from controlling nutrition to evaluating animals for lameness. This could take some of the pressure off of managing the animals which should mean that you’re more relaxed around the animals that you do take care of.• Give yourself a way out. Ensure that there is no way for you to be pinned up a fence or against a wall by a startled animal and make sure that there is always room for you to get out.• Always be extra cautious around male animals, particularly bulls. Half of fatalities are caused by bulls despite the fact that only 2% of the cattle population are bulls.• Scatter feed in large patches and differ the pattern from day to day to avoid territorial issues. Instead of scattering in one large patch, scatter the feed across the feeding area in a number of different locations so that stronger, older animals do not start getting territorial.• Never become complacent. Animals that usually have good temperaments could change in an instant and vice versa, so always use caution around every animal, even those that appear to have mild temperaments.

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Timeshares Versus Vacation Clubs | Travel vacation

Things have changed in the last 30-40 years when it comes to vacations. When I grew up, a week or two at the local lake in a tent, or a camping trailer or even a cabin was a treat for my family. If your family was a little more “well off”, you could travel across the country and go to a bigger resort like Disney Land. That meant staying in a hotel and that was really “up-town” for us.Timeshares and Vacation Travel Clubs were not even in existence then. Today, we have so many more choices available to us. Between cheap hotel sites, timeshares, and travel clubs, it is difficult to know where to find the best deals. In this article, we are going to compare two options available: Timeshares and Travel Vacation Clubs.WHAT ARE TIMESHARES?So let’s start with the timeshares. A timeshare is a form of ownership or right to the use of a property. These properties are typically resort condominium units, in which multiple parties hold rights to use the property, and each sharer is allotted a period of time (typically one week, and almost always the same time every year) in which they may use the property. Units may be on a part-ownership or lease/”right to use” basis, in which the sharer holds no claim to ownership of the property.The notion of the term “timeshare” was originated in Europe in the 1960s. Hapimag, a ski resort developer in the French Alps, was experiencing trouble finding customers for his high-priced resort. Realizing that coffee shops sold cake only by the slice (since the entire cake was too expensive and could not be consumed at one sitting), he marketed his resort by encouraging guests to “stop renting a room” and, instead, “buy the hotel”. Success followed and the concept of partial ownership was embraced by developers worldwide, boosting sales of surplus condominium units at a time when the resort industry was depressed.Due to the promise of exchange, these units, called “vacation ownership” by the industry, often sell regardless of their deeded resort (most are deeded into a certain resort site, though other forms of use do exist). What is not often disclosed is that all differ in trading power. If a unit is in Hawaii or Southern California, it will exchange extremely well; however, those areas are some of the most expensive in the world, subject to demand typical of a highly trafficked vacation area. The vast majority of inventory flows briskly through two international exchange companies: such as RCI and Interval International.WHAT ARE TRAVEL VACATION CLUBS?To fully understand Travel Vacation Clubs, we have to go back to the late 1980′s when a group of hotel and resort entrepreneurs (Timeshare developers) were typically experiencing 40% vacancies in their properties. In brainstorming solutions, one thought was to offer these vacancies at maintenance cost, way below regular prices. So they put it to the test by implementing weekly deals at these reduced rates.A few months later, the team met to evaluate the results of their experiment. What they discovered surprised them. Not only had they sold most of the hotel and resort vacancies, but their revenue from other amenities at or around the resorts (casinos, bars, restaurants, stores, etc.) had increased by 20%. Even though they weren’t making money on the hotel and resort sales, they realized guests were now spending the money they saved on other available services. Hence, the birth of the luxury resort travel vacation clubs such as Sheraton Resort properties, Marriott Resort Properties, Wyndham, Hyatt, WIVC, Club Intrawest, Fairmont, Four Seasons, and many other luxury resort vacation destinations was realized.Vacation Clubs take some of the best timeshare features and make them affordable. For that reason alone, they are becoming popular with people who go on regular vacations and want to enjoy high quality locations.Vacation clubs are usually the exact same properties as timeshares, just a different way to get access to them. That means the locations, quality, support staff, amenities, etc. are all the same as timeshare properties because they ARE the same properties.There is some overlap between vacation clubs and timeshares, as I mentioned earlier. Some have complex time-sharing or exchange plans for members, but others operate more like getting reservations at a hotel. Those simplest to use are typically the best for the vacation shopper – it just takes less time and it’s more likely you’ll get the vacation you want when you want it and where you want it.These clubs have membership fees which can be either annual, multi-year, or lifetime. Members then have access to discount rates on timeshare properties and luxury resorts.I have had personal experience with 2 timeshare properties and I am currently involved with a Vacation club – Global Resorts Network.In each of the Timeshares with which I was involved, I had a virtual property (condominium) ownership for 1 week a year. This legal ownership was designated as a mortgage which was, on average, $20,000 plus interest fees. I also had an annual maintenance fee which was around $750. I used one property once and didn’t like the actual week we had because it was in the fall, not summer. The other, we never got a chance to stay on the property overnight, but we did get to use the amenities several times.Both companies eventually went into bankruptcy and that certainly soured my experience with timeshares.With Global Resorts Network, I have the advantages of merely book my vacation online through the club’s website. There are no ownership expenses, no maintenance fees and most resorts on the list are readily available. Global Resorts Network even offers deeply discounted travel found on the club’s “hot list”, featuring weeks in luxury resorts for as little as $100 for an entire week.So now you know the basics of Timeshares versus Vacation Clubs. Which one sounds more appealing to you?Personally, we cannot see why any reasonable person would ever want to pay timeshare costs and associated maintenance fees when they could pay less for the same thing, often, even the same resort, and go anywhere they want; anytime they want.

Purchasing Real Estate With No Cash Money Down | Real estate

Have you often wanted to purchase real estate but didn’t have enough money? Or maybe you are new to real estate investing and don’t have good credit, but want to purchase real estate. How do you go about accomplishing this task? One way is by using ‘no cash money down real estate investing’ both a person without the funds or credit can purchase real estate. In this article I will explain one scenario in which this form of acquisition can be accomplished.First off, let us understand what is required to secure a payment other than cash. Yes, I said other than cash! Remember this is no cash money down real estate investing . Other means can be used to secure a payment as a ‘consideration’ for payment. They can be anything that the seller agrees to that has value, i.e., a car, motorcycle, painting, jewelry, silver, etc… or even the promise to pay as in future rental payments.The promise to pay means that you are not putting any money down at this time, however in the future once the option is exercised, you will then make payments. This is like the ‘egg’ in a recipe that binds the transaction and makes it a true no cash money down to purchase real estate investing acquisition.There are obviously different methods and scenarios that could be used to purchase real estate with no money down . But for this example I am going to use what is called a ‘ sandwich lease option’ . In this scenario you not only want to acquire the buyer’s payments but also the equity in the property without ever having the risk of true ownership. To do a sandwich lease option you need a combination of an ‘option to purchase agreement’ and a ‘lease agreement’ . Both should be written in your favor, allowing you the ability to back out at any time with no recourse to you outside of the loss of the ‘consideration’. The option to purchase agreement binds the property for you by giving you the ‘revocable right’ before you purchase.Is there a downside to no cash money down real estate investing ? Of course there is. For instance, if you are not offering to take the property out of the seller’s name leaving them free and clear of the title, then obtaining the option to purchase can be a difficult task.Another thing to consider is why is the seller having such a hard time selling the property? This can obviously cause a problem for you as well in the future. And if you are looking at renting the property out, since you are not purchasing the property, you have to consider financing problems. What happens if the rental market is below what your payment is? Then you take a loss! And what if the seller is making interest only payments, later changing to interest and principal payments, greatly increasing your payments leaving you in further financial trouble?Now knowing this it only begs the question; is there a better option to no cash money down real estate investing ? The answer is of course, yes there is! That is if you have a self-directed IRA (preferably Roth) or good credit and a relatively decent income of about $70,000 annually. But we are discussing the scenario that you do not have the funds or do not have good credit to acquire real estate through other means. Besides that would be a topic for another article.So now that you know the ups and downs of no cash money down real estate investing , the only thing you need to do is ask yourself if this is the vehicle for you and if so, how to go about it. There are teams and companies out there for you, just for this purpose.
Have you often wanted to purchase real estate but didn’t have enough money? Or maybe you are new to real estate investing and don’t have good credit, but want to purchase real estate. How do you go about accomplishing this task? One way is by using ‘no cash money down real estate investing’ both a person without the funds or credit can purchase real estate. In this article I will explain one scenario in which this form of acquisition can be accomplished.First off, let us understand what is required to secure a payment other than cash. Yes, I said other than cash! Remember this is no cash money down real estate investing. Other means can be used to secure a payment as a ‘consideration’ for payment. They can be anything that the seller agrees to that has value, i.e., a car, motorcycle, painting, jewelry, silver, etc… or even the promise to pay as in future rental payments.The promise to pay means that you are not putting any money down at this time, however in the future once the option is exercised, you will then make payments. This is like the ‘egg’ in a recipe that binds the transaction and makes it a true no cash money down to purchase real estate investing acquisition.There are obviously different methods and scenarios that could be used to purchase real estate with no money down. But for this example I am going to use what is called a ‘sandwich lease option’. In this scenario you not only want to acquire the buyer’s payments but also the equity in the property without ever having the risk of true ownership. To do a sandwich lease option you need a combination of an ‘option to purchase agreement’ and a ‘lease agreement’. Both should be written in your favor, allowing you the ability to back out at any time with no recourse to you outside of the loss of the ‘consideration’. The option to purchase agreement binds the property for you by giving you the ‘revocable right’ before you purchase.Is there a downside to no cash money down real estate investing? Of course there is. For instance, if you are not offering to take the property out of the seller’s name leaving them free and clear of the title, then obtaining the option to purchase can be a difficult task.Another thing to consider is why is the seller having such a hard time selling the property? This can obviously cause a problem for you as well in the future. And if you are looking at renting the property out, since you are not purchasing the property, you have to consider financing problems. What happens if the rental market is below what your payment is? Then you take a loss! And what if the seller is making interest only payments, later changing to interest and principal payments, greatly increasing your payments leaving you in further financial trouble?Now knowing this it only begs the question; is there a better option to no cash money down real estate investing? The answer is of course, yes there is! That is if you have a self-directed IRA (preferably Roth) or good credit and a relatively decent income of about $70,000 annually. But we are discussing the scenario that you do not have the funds or do not have good credit to acquire real estate through other means. Besides that would be a topic for another article.So now that you know the ups and downs of no cash money down real estate investing, the only thing you need to do is ask yourself if this is the vehicle for you and if so, how to go about it. There are teams and companies out there for you, just for this purpose.