Condos for Sale – How to Choose the Right One for You

Have you ever lived in a condominium unit? If like me you grew up in a house with a garden then chances are you have no idea what factors and features to consider when looking at condos for sale. Not being aware of key aspects that could affect your quality of life as well as the unit’s resale value could leave you with a condo you can’t live in or sell.

What to prepare before checking out condos for sale

When a person decides to try buying a condo unit the first thing they do is look through adds, this is one of the most common mistakes buyers make. Prior to looking at units, preparations have to be made which can make looking for a condo easier and in the end more advantageous for you.

Down through the ages people have always said information is the key and looking at condos for sale is no different. Prior to visiting different units hire an experienced realtor. He or she will be able to give you invaluable advice plus his or her services are free since the seller will pay the commission. Another person you need on your side is a lawyer. „Legalize“ is a language not everyone is familiar with and it’s always a good idea that we understand everything we sign, trust me on this my siblings are lawyers. Next, crunch the numbers and look through mortgage requirements. Being ready on the financial front will give you a realistic view on what you can and cannot afford.

What to avoid while looking at condos for sale

Unfortunately not everyone is able to realize that small details can make a big difference in ones‘ quality of life. The following are some things you may not have thought to take into consideration:

• Steer clear of units that overlook the entrance to the garage or where vehicle traffic is if you value peace and quiet.

• Once again for peace and quiet do not choose a unit across from or beside an elevator.

• Make sure your suite does not look over the area where garbage is picked up; this is self-explanatory but is a detail most people will miss.

• Make sure most of the condo’s occupants are owners not tenants.

• Avoid condo buildings that are not easily accessible by any number of public transport services. Trust me you’ll need the service one of these days even if you do have a car.

• Avoid condo buildings where the neighborhood is not as pleasant as you’d like. The building itself maybe top notch but if the location is not at par then think twice.

• Avoid making a decision before going to the condo several times and at different times of the day and night.

• Remember to chat with the neighbors. You’ll need inside information about the area and if you can stand living beside them.

• Do not commit before you have discussed all the monthly fees, maintenance costs, association dues, closing fees and all financial matters. You need to know you can afford it all without breaking a sweat.

• Do not buy a suite with a view you can’t live with, no matter what the building’s amenities are.

Happy hunting.

Immobilienmakler Heidelberg

Makler Heidelberg

Increase Value of Your House by Upgrading Your Bathroom and Kitchen

Is it time to sell your home? Whether flipping a house or trying to get a good price before a move, there are a few ways to gain value through a kitchen or bathroom refurbishment. Outdated kitchen and the bathroom styles are the quickest way to make a house feel older and more rundown. Here are a few ideas to get you started on your renovations.

Custom design

A made to order design makes the most sense when trying to get the most money for your home. Bespoke bathrooms are noticeable and make a difference in price. A real estate agent or home buyer will be able to tell if tiling and fixtures were simply placed in the space or made for the space. Avoid outrageous designs that might make classic homebuyers feel uncomfortable. You never want a space to only appeal to a particular type of style. Exquisite stonework with classics such as natural stone, granite, slate, and travertine are always a good idea.

Flooring

Flooring is important in a bathroom and linoleum is out. Linoleum in the bathroom or kitchen can make an entire house seem outdated, ugly and dirty. Hard wood can take a real beating in these spaces and look old and worn quickly, even after refurbishing it. The best idea is to put down ceramic or porcelain tiles or natural stone flooring instead. These will sustain heavy amounts of foot traffic, clean well, and always look nice. They appeal to a modern home design and can go with almost anything a home buyer may want to decorate with.

Bathtub

Bathrooms can be purely conventional, or they can be home spas and relaxation areas. One way to create a more elegant and expensive feel is to create a separate bathtub and wetroom. A spa tub can be a place to relax and separate from the conventional use of a shower. Travertine or marble make great custom tiling jobs for a bespoke bathroom bathtub. Mosaic tiles work well to add a decorative flair to the wetroom wall. IF the home buyer finds your space relaxing, they will feel excited about buying it. Make the bathroom, especially the master bathroom, somewhere they want to be.

Kitchen Counter Tops

Just like with the floors, linoleum is out. A granite kitchen worktop is your best bet. It looks nice and is extremely practical. Choose a neutral color that can go with any style your home buyer may have. Make sure it matches the cabinets, hardware, and floor. Replace old cupboard hardware to match your new counters. The kitchen is the most-used room in the house. Make as modern, comfortable, and conventional as possible.

Selling your home can be an overwhelming process. Start with these tips in the bathroom and kitchen to increase the value of your home. You can always add some of your own personal flair and ideas. With the right plans, rocks, and fixtures, you can easily gain the most for your dollar.

Immobilienmakler Heidelberg

Makler Heidelberg

Understanding (and Fixing) Property Tax Assessment

Imagine, if you will, Tinyville, a community of only ten houses. All ten houses were the same size and style, built at the same time on similarly-sized lots, using similar architectural drawings and building materials, each with comparable views and amenities, and each sold to its initial owner for the same price, $250,000. Assuming the fair market value of each of these houses was $250,000, (because after a reasonable amount of time that’s the price at which the sellers and buyers had meetings of the minds, neither being under duress,) Tinyville’s tax assessor valued each property at $250,000, resulting in an underlying total property value of $2.5M for all of Tinyville.

Like any municipality, Tinyville has expenses: police & fire departments, schools & libraries, water & sewer, sanitation workers, judges & clerks, engineers & inspectors, tax assessors & collectors, officials, and secretaries. To keep the math simple, let’s imagine that Tinyville’s annual budget is a mere $100,000, and that it has no other sources of revenue (such as parking meters, local sales or income taxes, or hunting/fishing permits). In order to meet its annual expenses, Tinyville’s tax assessor divides its $100,000 of budgeted expenses (known as a total tax levy) by each property’s proportionate share of the $2.5M total assessed value of the community. Dividing $250,000 by $2.5M means that each house is responsible for 10% of Tinyville’s property tax levy. Each homeowner (or their mortgage bank) gets a tax bill for $10,000.

For years, everyone is happy in Tinyville. The families each have kids in Tinyville’s schools, they march in Tinyville’s parades, and compete in Tinyville’s pie-eating contests. In the natural course of events, two of the original families were more prosperous than others and moved into better digs in Mediumville, one retired to Southville, one got transferred to his company’s office in Westville, and one died in a tragic car accident, but their heirs in Bigville didn’t want to move back to their family homestead. Anyway, five of the homes went on the market and because the market had been doing well for the past several years, four were sold for $300,000… except the one belonging to the heirs of the deceased couple – they let the house fall into disrepair, stopped mowing the lawn, and eventually squatters moved in and started trashing the place. When they finally sold it as a „handyman special,“ they got $150,000 for it.

Before any year’s tax assessment becomes „final,“ it is sent to each homeowner to review. Each homeowner has an opportunity to dispute the assessment. The five original homeowners continued to be assessed at a rate commensurate with their $250,000 property value, and knowing that many of their neighbors sold their comparable homes for $300,000, they silently accepted this assessment. The four new owners who paid $300,000 each are also assessed at $250,000. Strangely, it is illegal for a municipality to perform a „spot assessment“ of individual properties so although the „fair market value“ of those four homes has increased by 20% since last appraised, they continue to be assessed at $250,000 each. The tenth home, purchased by the handyman for $150,000, is also assessed at $250,000, but he disputes his assessment. He argues that the fair market value of his home should be based on his recent purchase price, and through the various legal methods at his disposal, he has the house reassessed at $150,000.

Assuming the total tax levy is unchanged at $100,000, what happens to each homeowner’s property taxes? Nine of the ten houses are still assessed at $250,000 each, but the last is now assessed at only $150,000. One might quickly (and incorrectly) guess that the houses with unchanged assessed values would have no change in their $10,000 property tax bill, and that the tenth house would pay just $6,000, but that doesn’t add up correctly; Tinyville needs to collect $100,000 in taxes to balance its budget, and this formula only adds up to $96,000. What actually happens is that the denominator changes, too. Tinyville’s total assessed property value is recalculated based on each property’s assessed value, and now adds up to just $2.4M. That means that each of the $250,000 houses now accounts for just over 10.4% of the total, and is now responsible for that percentage of the $100,000 levy, increasing each of their assessments to $10,417. The handyman’s $150,000 assessed value accounts for 6.25% of the total, so he’s now responsible for just $6,250 of Tinyville’s tax levy.

Some (including the handyman) would argue that the handyman’s house is worth less, and consequently, he should pay less tax than his neighbors. Others (including his neighbors) would argue that his house is the same size and shape, takes up as much land, and places the same demand on Tinyville’s police, fire, schools, libraries, sewers, and other services, and that he should pay the same amount as the other houses. Some (including the original five families) would argue that the resold houses should be assessed at their new, higher market values, and that the new owners should pay proportionally more taxes. Others (including the four new owners) would argue that the fair market values of their homes (as evidenced by their sale prices) are indicative of the actual fair market value of the five unsold homes, despite the fact that those homes haven’t recently changed hands. These are the sort of issues that confound homeowners and plague tax assessors, assessment review boards, and courts in every municipality, every year.

In a perfect world, when the handyman files for building permits to repair and restore his home’s value, the new value he creates by the work he does should bring his tax assessment back in line with the other comparable houses, thereby reducing his neighbors‘ percentage of the total tax, accordingly. Unfortunately, not everyone applies for building permits, and not every project even requires building permits. Upgrading your kitchen appliances improves the value of your home without requiring building permits. Many municipalities don’t require a building permit to add a new layer to your roof or to retile your bathrooms. Of course, there are also homeowners who build bedrooms in attics or lofts over their garages without permits, and not every new home buyer is savvy enough to realize that they are paying for such unpermitted improvements. If you complain to the tax assessor that your neighbor has an unpermitted finished basement, the tax assessor doesn’t have the same authority as a building inspector to knock and demand to see that basement so as to tax them appropriately… and not every building department inspector is willing to perform inspections on an anonymous tip, so you may have to go on record as the guy who ratted out his neighbor. Consequently, a lot of home improvements are not reflected on the tax assessment rolls.

Since buying a home in a market downturn gives you the ability to grieve your tax assessment based on its new apparent fair market value, other home owners can actually use your new „fair market value“ to argue that their house is comparable to yours, and that their assessment should be lowered, too. This creates added burden on the assessors as they try to determine new values of homes that haven’t recently sold based on evidence created by comparable homes that did. As more and more homeowners grieve their assessments, it reduces the denominator in the municipality’s total assessed value, increasing the actual tax bills for houses for which assessments haven’t been grieved. Naturally, that reinforces the process, inciting more and more homeowners to grieve their taxes, creating more and more work for assessors. However, taken to the unimaginable extreme, in a community where home values have fallen, it may take a few years for all of the homeowners to realize that they are being unfairly assessed (as compared to their neighbors), but ultimately, when the last of them finally grieves his taxes, everyone’s proportion to the new denominator should be comparable to their proportion to the original denominator, meaning that they’ll all on average, eventually pay just about as much tax as they did before. In the intervening years, the ones who got onboard first and had the largest and earliest reductions in their assessed home values will reap the greatest short-term benefits. Some would go so far as to argue that this is fair, like so many other instances in life when the early bird gets the proverbial worm.

The intervening chaos and disparity, however, causes more work, thereby costing municipalities more in assessments, review boards, and grievance hearings. In the worst cases, when grievance processes fail and are left for courts to decide, municipalities have to pay unanticipated refunds to vindicated homeowners, which reduces their immediate coffers and further increases tax levies in subsequent years to make up for those losses. For scholars of economic theory, Keynes would argue that these machinations are a necessary and productive part of the system, and that they employ lawyers who otherwise would earn less; these lawyers rent offices, hire staff, and buy office supplies, and in effect, keep the economy’s wheel turning. Hayek would retort that these legal costs do not so much enrich the system, as they do redirect capital that would have been employed elsewhere, such as the tax savings permitting the homeowners to buy new furniture, hire a gardener, or take a vacation. He would consider these inefficiencies in the tax assessment process an unnecessary cost that allocated resources in a less-than-optimal manner… and I’d tend to agree with him. I don’t know what the solution is, but I know that we should try to come up with a better one.

Immobilienmakler Heidelberg

Makler Heidelberg

Is A Short Sale The Right Choice?

With the decline in home values in the past few years, some homeowners who need to sell in the current market find themselves trapped, as they owe more than their home is worth. In this situation, the short sale can become a viable option.

What is a short sale:

A short sale is simply a sale in which the proceeds are not enough to cover all of the outstanding obligations associated with the sale of the home including the mortgage or mortgages, unpaid property taxes, attorney’s fees, title expenses, commissions, etc. This shortage would require the seller to bring money to the closing or to negotiate a „shorted“ payoff with their lender. The lender has no obligation to agree to this, but many will. In most cases, a short sale is attempted by sellers who are facing foreclosure or have fallen behind and no longer have the ability to continue making their payments.

The process:

There are a lot of misconceptions about the short sale process and the lender’s role in it, even among some Realtor®s. The seller’s lender’s role is nothing more than that of a contingency. This can vary by state depending on whether it’s a title theory state or lien theory state. This information applies to Illinois, which is a lien theory state (the owner holds title and the lender holds a lien on the property)

The seller owns the home and ultimately is the one who, with the help of their agent, accepts, rejects or proposes a counter offer once an offer is received. When the offer is accepted by the seller, it is done so contingent on their lender agreeing to accept the net proceeds of the sale as full settlement of the amounts owed. I’ve had more than one occasion where an agent working for a buyer asks when their offer will be submitted to the bank, even before the seller has agreed to accept it. It can add to the confusion if multiple offers are received. Some think that all offers must be presented to the lender. This is not accurate. All offers must be presented to the seller, not to the lender. The goal of the listing agent should be to obtain the best offer possible, thereby giving the transaction the best possible chance of actually closing.

What are the odds of a successful closing?

They’re actually better than they used to be. Nowadays it makes sense for banks to seriously consider accepting a short sale as, in many cases, they net more money overall versus going through the whole foreclosure process, taking the home back and marketing it as an REO (Real Estate Owned). Illinois is a judicial foreclosure state. Some states are non-judicial. Judicial foreclosures take much more time to complete. In Illinois, the process can take a year or more. There are some states which take upwards of 3 years. When you consider that, in most cases, the bank is receiving nothing while the process drags along, you start to see their motivation to consider other options. Add to this the deterioration to the property during that time and the additional carrying costs, and the benefits to the bank become even more clear. The bank in this situation, much like the homeowner, is looking for the best way to limit their losses.

The benefits of a short sale:

Lenders generally don’t allow the seller to receive any of the proceeds of the sale. This is fair when you consider that the whole basis of the short sale is negotiating with the lender to get them to take less than what they’re owed. The only exception I’ve seen to this was years ago when, due to an error, we were out of balance by $.06 The title company actually cut a check to the seller for six cents! As a seller in this situation, one needs to keep in mind that, if the lender agrees to the short sale, they are allowing the seller to avoid having a foreclosure on their record which follows them around for many years. Additionally, most short sales also let the seller out from under the debt without being chased for a deficiency. These two things should be all the motivation you need. there are no guarantees of being successful but it’s certainly worth the effort.

Who should you call?

These transactions are not for beginners. There is no substitute for experience when it comes to navigating through this process. An experienced agent and attorney are crucial. In this situation it makes sense to ask a lot of questions. There are specialized short sale/foreclosure courses available for agents. Some are very worthwhile but these courses alone don’t necessarily make the agent an expert. An agent referred by a seller who’s been through this process is definitely someone worth talking to.

What will it cost?

In most cases, it will cost you nothing unless there’s an upfront fee charged by the agent to list the home. All agents negotiate their own fees. It should cost you nothing to talk to an agent and get information. All commissions and other closing costs a seller would normally pay will be factored in and, if the lender agrees to the short sale, they are agreeing to the net amount of the sale so essentially, it is the lender that is paying your closing costs. For someone facing foreclosure, a short sale can be an excellent solution.

Immobilienmakler Heidelberg

Makler Heidelberg

3 Short Sale Scripts To Get The Listings You Want

When you are speaking with a prospect either on the phone or in person what you say makes all the difference. Saying the wrong sentence, word, or coming off the wrong way can destroy your conversion rate.

Short sale prospects should convert to a signed agreement 90% of the time provided you use the right scripts. Keep in mind there are a few items that you must avoid at all costs. Before we get into the short sale scripts let’s look at what to avoid.

„3 Phrases That Will Kill Your Chances of Getting the Short Sale Listing You Desire“

These 3 phrases will kill your opportunity so study them carefully. Also note that anything even remotely close to these phrases will cause the seller to have a negative opinion of you.

  • Why did you buy a home with a mortgage that had an adjustable rate? Did you know there were fixed rate options?
  • Is that nice car out there something that was bought with the money you owe to your second?
  • These pictures look like you went on some nice vacations I bet you wish you had the money from those back.

While these phrases might sound extreme even slight variations of these can lead to a sour taste in the clients mind.

With the above in mind to ignore and remove from your vocabulary let’s look at scripts that will set the client and ease and have them demanding to use your services.

„3 Short Sale Scripts That Have Clients Demanding to Use You“

  1. „Would you like to know the different options available to you to avoid foreclosure?“
  2. „Would you like to know how to avoid foreclosure and save your credit at the same time?“
  3. „How soon would you like to move from your property?“

Sellers who are considering a short sale want to know (and deserve) that someone cares about them. They do have options. Providing each seller with options allows them to choose you because you will be the only one providing them with the information they need to make a qualified decision.

Discover short sale listing letters that will generate listings for you in the next 72 hours @ www.ShortSaleMasteryProgram.com.

Immobilienmakler Heidelberg

Makler Heidelberg

Finance Services in Dallas

Estate Planning

Financial Planning

Tax Planning

Tax-Loss Harvesting is a strategy our financial planners use to turn money lost from an investment into a profitable opportunity. Our tax planners use the capital losses that inevitably occur to reduce your tax bill. You don’t truly have a gain or a loss on any asset until you sell it. When the asset is sold we are able to use that capital loss to offset your capital gains and income tax. The investment can then be replaced, or harvested, with a similar investment in order to maintain proper balance and diversification within your portfolio.

Reducing taxes is an essential piece in preserving your retirement plan. Tax laws can be confusing, and little mistakes lead to larger tax issues. Each year millions of people overpay in taxes without even knowing it, leading to a lower retirement income. Our financial planners offer retirement tax consulting that pays critical attention to tax liability during every step of your financial planning process to minimize problems and maximize tax deductions.

There are several ways to develop a tax-efficient investment strategy in order to create more flexibility in managing your taxes now and when you are ready to retire. Your money can be held in three different types of accounts and they are all taxed differently. Our tax planning services include asset diversification into these three accounts in order to create the highest after-tax net retirement income.

Business owners are faced with a unique set of challenges, regardless of company size. The goal is simple – provide a meaningful benefit package to attract and retain employees, as well as minimize personal tax burdens on their own income and retirement plans. We strive to address the unique goals and needs of every business owner through a comprehensive array of services.

You visit the doctor to stay healthy. You don’t know how to change the oil, so you take your car to the mechanic. Doesn’t your financial future deserve the same care from a professional?

Personalized service

A cornerstone of financial planning is the recognition that everyone’s economic and life situation is unique. Personalized service is essential when matching clients with the right financial products and services, and you’ll get nothing less from us.

Independent, objective portfolio analysis

Asset allocation review

Long-term care cost-benefit analysis

Estate tax reduction and financial legacy review

Individuals put off estate planning because they think they don’t have enough assets. Your estate is comprised of everything you own. No matter how large or modest, everyone has an estate that should be protected.

Establishing an Estate Plan

A properly designed and executed estate plan can ensure that your assets and desires are carried out upon your departure. We can help you understand the legal and tax requirements of transferring wealth.

Education and Funding for Children and Grandchildren

Philanthropic Goals

Succession Planning of a Family Business

Complexities of Family Relationships (i.e. Second Marriage, Divorce)

Immobilienmakler Heidelberg

Makler Heidelberg

Risk of Buying a House During the Redemption

Financial distress may force a homeowner to sell his property. But there are also times when it is foreclosed by the financial institution to which the property is mortgaged. Yet, the redemption period still gives an opportunity to reown the house. However, there are risks which should be considered in order to take advantage of the stipulated time.

First, the redemption period is time-constrained. This means that the homeowner will be given a short period to reown the house after the buyer or the third-party has filed the necessary paperwork to the court. After such period, the chance to regain ownership of the house will be forfeited.

The second risk is associated with the price to regain ownership. Normally, the price tag isn’t all that should be shouldered as there are also mortgage overdue, taxes, and documentation costs. All of these should be paid within the period allotted.

Third, there are personal risks such as the capacity of the owner to raise huge amount of money to cover the necessary expenses to reown what used to be under his namesake. During the financial distress, there might be other expenses that arose such as unpaid utility bills, credit charges, and school fees. These can come on top of regular costs of daily food and travel.

There can also be associated risks that can pop up from the situation such as when relocation is an option until such time that the house is reowned. If moving out is the top choice, then there can again be expenses that could eat up the amount trying to be earned for the redemption. But there are circumstances when the third party would still allow the owner to dwell until it is redeemed or until the redemption expires.

The redemption period is like a last ticket to a must-see movie. But unlike movies which can possibly be streamed on the internet, reownership of a house is tricky. It concerns effort, time, and money. These three needs to be combined seriously along with the right mixture of perseverance in order for the redemption period to be a fruitful endeavor towards repossession of the property where memories and moments are shared and created.

If you are currently under a redemption period and you’re quite unsure of the steps to take, your friendly local real estate agent is just a call away. He will be more than happy to guide you step-by-step and will even give you advices on the situation.

Immobilienmakler Heidelberg

Makler Heidelberg

4 Health and Safety Policies for Care Homes Every Employee Must Know

Caring for people in need is a noble duty that care homes are performing from a long time. It is a sector that encourages well-being of one and all. A care home comprises of people like owner, manager, staff and the people residing within that environment. A care home may be of various kinds – residential care, nursing care or dementia care and one for the older adults. Each requires a different health and safety policy for care homes with specific requirements.

It is a kind of health program that excels in providing a resource for concerned personnel inside the care home setting. The main implications it includes are-

  • Legal duties

Out of the various laws that govern health and safety regulations in a workplace, the most applicable ones are-

  • Health and safety at work act 1974
  • Common law
  • Reporting of injuries diseases and dangerous occurrences regulations
  • Control of substances hazardous to health
  • Management of health and safety at work regulations 1999

The above acts enable employers to perform their duties of ensuring a safe and secure working environment. It involves all the diseases caused by biological perils, drug exposures, bloodborne pathogens, respiratory complications along with workplace violence.

  • Facilities

The policy also encloses the various healthcare facilities that an organization issues to its employees in adequate quantity. The welfare arrangements also include safe handling and proper storage of potentially hazardous substances.

  • Training

Another most important part of a policy is providing information training with specific guidelines to employees under expert supervision. The training also acknowledges employees‘ efforts by certifying them with liability insurance.

  • Guidelines

The set of rules that are sketched for an employee also make him realize his duties to take reasonable care of each other’s health. Also, the basic guidelines that one needs to follow while working in a care home are-

  • Be attentive

While inside a care home, one needs to dedicate one’s full attention to providing a danger-free environment. One small or normal careless attitude like rugs or slippery surfaces can cost as one huge mistake to both caretakers and residents.

Also, mind the pets and make sure they are at safer distances from any ill person as their presence can make the conditions severe. It has been reported that half of the in-house accidents occur due to silly mistakes and carelessness. Hence, all the employees should take notes on how to organize the environment with proper safety.

  • Emergency services

The care providers also need to have complete knowledge about the contact details of nearby emergency help providers like police, fire or ambulance. They must be aware of the safety profile of the neighbourhood and should stay alert while witnessing any suspicious activity in the immediate location.

  • Documentation

Recording the history of each person’s medical issues is also one of the major characteristics of a health and safety policy. A caretaker should also be in his finest health to able to ensure welfare to other people, and if not so, he or she is certainly not liable for this duty.

  • Safety Tools

A caretaker also needs to be well aware of how the safety tools function and ways to operate them. A very common notion about healthcare sectors is that they have the maximum rates of work-related injuries and illnesses. Hence, each worker should be aware of how to handle the critical conditions without losing his composure.

A caretaker working in a care home for elderly often complain of back pain as he constantly needs to lift and move older people. This results in muscular as well as skeletal hazards along with other stress-inducing factors.

The healthcare and social welfare industry draws huge benefits from the safety policies and has prime necessity in each sector. Hence, knowing about the implications that an employee has to dedicate his assistance to will make him realize his duties and responsibilities in a refurnished way.

Immobilienmakler Heidelberg

Makler Heidelberg

Horse Barn Plans: Ensuring Equine Comfort During Winter

Horses are like humans. They can easily catch a disease during the cold winter months if they are not properly protected. This is where the importance of effective horse barn plans takes in place. A carefully and smartly planned barn or stable can keep foals or horses comfortable, safe and warm come winter time.

A number of problems which foals and owners may encounter during winter include:

a) Lack of food

b) Drafts in walls and windows

c) Frozen water pipes

d) Frozen floors

e) Frozen shut doors

f) Rodent attack

Since snow can make everything difficult during winter, getting hay stock can be impossible as well. Plan ahead to ensure enough supply of hay, feeds and vitamins needed for the entire winter months. Many owners could be hoarding these supplies early on and so being a little earlier than them would be beneficial.

Before securing pieces of stable equipment for horses, check out the walls and windows for drafts. According to equine veterinarians, horses can keep themselves warm even though it is freezing outside. This is because their bodies can generate sufficient heat inside provided that there are no openings in the walls and windows. These openings may bring in winds which cause foals to be cold. Once they are cold, the heat generation happening inside them would be interrupted.

An insulation system is helpful in keeping water pipes from being clogged. Obviously, cold temperature makes water pipes frozen and unfit for use. Besides insulating them, have the habit of draining the pipes after each use. There are hydrants which can be installed for self-draining purposes or automatic shutting down of the valve below the frost line.

Effective horse barn plans are expected to address issue of cold or frozen floors. This can be done by adjusting the depth of the bedding stalls. Placing lots of hay also provides extra warmth on the floor. Additionally, provide warm blankets or sheets for the foals. These come in handy when the weather gets extremely cold.

When the doors are frozen shut, it would be very difficult to get in the stable. This can be prevented by keeping doorways dry and free of trash. Water by the door can easily freeze and cause unwanted shutting of the door. If possible, assign someone to keep the barn or stable clean on a daily basis to avoid such incident. It would be helpful to secure the eaves with troughs for easy opening.

Rodents can be seeking warmth inside the stables too during the winter months. Rodents will not only munch on the edible stuffs stored in the stable. They will also munch on other stuffs like electrical wirings, sheets and stable equipment. Follow effective horse barn plans with provision for being rodent-proof. This is because rodent attack in stables can endanger the health of the foals resting in them. Rodents carry in them diseases which may be passed on from one foal to another. Rodents may bite on them or sprinkle feces and urine on them.

Immobilienmakler Heidelberg

Makler Heidelberg

Best Accredited Schools for Sonography Students in and Near Indianapolis, Indiana

The Midwestern city of Indianapolis is the capital of Indiana and home of the world famous Indianapolis 500 auto race held at the Indianapolis Motor Speedway. This is also a city that is home to four major healthcare systems, a set of smaller medical facilities and the Indiana University Medical Center. There is a well-developed system of hospitals, clinics, physician offices and research facilities offering excellent employment opportunities for Diagnostic Medical Sonographer professionals and networking opportunities for students.

Sonography Education in Indianapolis, Indiana

As of 2014 there are almost 49,000 students attending a number of colleges and universities in Indianapolis, including Indiana University-Purdue University-Indianapolis, Ivey Tech Community College-Central Indiana, and Butler University. Students ready to pursue an educational track will find two programs accredited by CAAHEP in Indiana and both are less than 200 miles from Indianapolis. The best programs accessible to Indianapolis students offer a choice of earning an Associate degree in Diagnostic Medical Sonography with a cardiac concentration or a Bachelor’s degree in Diagnostic Medical Sonography with a general concentration or a specialization concentration in cardiac or vascular sonography.

There are also accredited sonography schools in nearby cities, but outside of Indiana. A CAAHEP accredited program closer to Indianapolis is in Louisville, Kentucky, approximately 115 miles away, and offers students the opportunity to earn an Associate degree in Diagnostic Medical Sonography with a general or vascular concentration. Attending a CAAHEP accredited program is important, even if it requires commuting, because they have been reviewed for the quality of their requirements and how well the coursework and clinical training prepares students to take the ARDMS exams. Financial assistance is available in the form of federal and state student loans, but sonography scholarships are ideal because they do not have to be repaid.

Salary and Job Outlook for Diagnostic Medical Sonographers in Indianapolis, Indiana

The median annual salary for ultrasound technicians in the federally designated Indianapolis-Carmel, IN metropolitan/nonmetropolitan area is $65,760. That salary equates to $31.61 per hour. The figures are remarkably close to the national averages for this profession at median annual wages of $65,860 or $31.66 per hour. The employment outlook is excellent as Indianapolis can expect to meet or exceed the state projected growth of 40 percent for the period 2010 through 2020 since the largest health systems in the state are located in this city. Program graduates can usually get assistance from their school when ready to identify potential ultrasound jobs.

A List of Best Schools for Diagnostic Medical Sonography Study in or Near Indianapolis, Indiana

School Name: Franciscan St. Anthony Health

Address: 1201 South Main Street, Crown Point, IN – 46307

State: Indiana

Contact Person: Tracy Bult AAS, RCS

Contact Phone: (219) 757-6132

Program: Associate Degree

Accreditation: CAAHEP Accredited

School Name: University of Southern Indiana

Address: 8600 University Blvd., Evansville, IN – 47712

State: Indiana

Contact Person: Claudine Fairchild MS, RT, RDMS

Contact Phone: (812) 464-1994

Program: Bachelor Degree

Accreditation: CAAHEP Accredited

School Name: Cincinnati State Technical Community College

Address: 3520 Central Parkway, Cincinnati 45223

State: Ohio

Contact Person: Jackie Turner

Contact Phone: (513)569-1421

Program: Certificate, Associates Degree

Accreditation: CAAHEP

School Name: Kettering College of Medical Arts

Address: 3737 Southern Blvd, Kettering 45429

City: Kettering

State: Ohio

Contact Person: Susan McLaughlin Price

Contact Phone: (937)298-3399 x 55656

Program: Bachelors Degree

Accreditation: CAAHEP Accredited and ARRT Recognized

School Name: Central Ohio Technical College

Address: 1179 University Drive, Newark 43055

State: Ohio

Contact Person: Melinda Shoen

Contact Phone: (740)755-7713

Program: Associates Degree

Accreditation: CAAHEP

School Name: Marion Technical College

Address: 1467 Mount Vernon Ave, Marion 43302

State: Ohio

Contact Person: Debra Myers

Contact Phone: (740)389-4636

Accreditation: CAAHEP Accredited and ARRT Recognized

School Name: Jefferson Community and Technical College-Louisville

Address: 800 W. Chestnut St, Louisville, KY – 40203

State: Kentucky

Contact Person: Becky Stevens

Contact Phone: (502)213-4502

Program: Associates Degree

Accreditation: CAAHEP Accredited and ARRT Recognized

School Name: Northwestern Memorial Hospital

Address: 541 North Fairbanks Court, Suite 950, Chicago 60611

State: Illinois

Contact Person: Casey Clarke

Contact Phone: (312)926-1196

Program: Certificate

Accreditation: CAAHEP

School Name: Rush University

Address: 600 S. Paulina, Suite 1019A, Chicago 60612

State: Illinois

Contact Person: Eileen French-Sherry

Contact Phone: (312)942-7286

Program: Baccalaureate Degree

Accreditation: CAAHEP

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