Why Do People Buy Clothes for Their Canines?
I’m sure pet lovers often face questions like these from curious onlookers and cynics. Yes! do need clothes! Clothes help protect themselves from the harsh weather. Not every dog (especially smaller breeds like Chihuahuas and Chinese crested, and with short hair) can tolerate the cold weather. with small coats often shiver during the winters, and without adequate clothing to keep the warm they are likely to fall sick. Dog clothes have always been in use by the military and the police, to keep them safe from hostile and unfriendly conditions.Dogs of course are a man’s best friend, and what better ways to show your love for your dog, by buying dog clothes that make your look cute and adorable. I’m sure pet lovers would agree that they regard their pets like their children. So if pets can be so dear to them why not buy clothes for them. Dog clothing helps people to make their feel special. There isn’t anything better than getting your dog dressed up for Christmas.There are a number of online stores that sell dog clothing. These online stores sell cute clothes and accessories like dog furniture’s, dog sports items, travel accessories, Christmas gifts etc. You could also buy dog carriers from these online stores. But before you buy dog carriers remember to buy one that makes your dog feels comfortable.When buying dog clothes remember to buy clothes that suit your dog’s personality and make them feel comfortable. While buying designer clothes for your pet canine isn’t a bad idea, it’s important that the dog is comfortable in these clothes. He shouldn’t be ashamed of wearing these clothes. Rather, they should be proud of wearing them. Each and every dog has his own personality and the clothes should reflect their personality. Your dog would definitely feel proud in the right clothes. We all know that love attention. All love to be patted, cuddled, praised and appreciated. Wearing clothes for certainly helps them garner attention from curious onlookers.People who own a large breed often find t difficult to take their dogs out, as people are often inhibited by their size. You could make your dog wear clothes or scarves that soften the dog’s looks’. Wearing dog clothes makes them appear friendly and approachable especially to children.As earlier said, clothes not only maketh a man, they help the dog as well to shape his personality. Besides the fashion aspect all dogs need to be clothes effectively to protect themselves from the harsh weather be it summer or winter.
Real Estate in Your RRSP or TFSA
An RRSP or TFSA should be viewed as a basket of investments. In the basket you can place various eligible investments or financial instruments. Some of these RRSP or TFSA eligible investments can include: stocks, bonds, GICs, mortgages, call-options, cash or mutual funds….but NOT real estate directly.So, how then can you participate in real estate with your RRSP or TFSA?For most Canadians, investing in or participating is real estate can be done inside their RRSP or TFSA, however there are some restriction. Either way, inside or outside an RRSP or TFSA, investing in the right real estate can pay excellent long-term dividends – if done well!Three broad options exist to participate in real estate within your RRSP or TFSA!Option 1: Mortgages. Most real estate is encumbered by a mortgage. A mortgage is a loan, secured by real estate. It is not real estate! However, a mortgage is a safe way to invest in real estate, but you do not participate in the overall performance of the real estate! Your TFSA or RRSP becomes the lender. You are the bank! You can holda) a single mortgage or
b) a share of many mortgages, called a syndicated mortgage, or
c) shares in a MIC, a Mortgage Investment Corporation. A MIC pools many mortgages and allows the individual investor to co-own a share of multiple mortgages in their RRSP or TFSA.The risk of this investment, namely payment default by the borrower, has to be compared to the fixed return of this investment, from a low of perhaps 4% to usually in the high single digit range to perhaps the lower double digit range for more risky assets. A second consideration is if the mortgage is on a to-be-constructed property or an existing property. As a broad rule of thumb, a to-be-constructed property carries a much higher risk of non-payment, as the property does not yet exist. As such the interest rate on this mortgage should be much higher to compensate for this additional risk.Consider return OF your capital before you consider return ON your capital when evaluating this first type of RRSP eligible investment option!A tertiary consideration is the position of your mortgage on the property title. If you are in 1st position, and the mortgage is unpaid, you are first in line to get paid from a foreclosure action. Even then loss of capital is possible, especially in a construction mortgage. If you are in 2nd or in 3rd position, other lenders get paid first. Thus, the risk of non-payment increases with the increase in position on title. Some trustees or MICs don’t allow 2nd or higher position mortgages, but some do. Therefore, before you invest, do your homework on the risk of the loan.. and then gauge is the offered interest rate compensates for this risk!Option 2: Publicly traded stocks that invest in real estate. On both the US and Canadian stock exchange there are a number of firms that invest in real estate. Some invest in apartment buildings. Some in commercial properties like industrial parks, office buildings or retail malls. Others invest in hotels, campgrounds, trailer parks or recreational properties. Some invest internationally, all over the world, and some only in certain cities. Some hold existing properties, other invest in land projects or construction.A common sub-class of these publicly traded firms is a REIT, a Real Estate Income Trust. A REIT pays out the majority of its income monthly, and as such can be an excellent vehicle for retirees or those folks seeking monthly income. In a sub-sequent article I will explore some of those REITs or stocks with specific commentary. There is the expensive brother of the real estate stock or REIT, a mutual fund.. or its less expensive diversified sister, the index fund or ETF.All these publicly traded vehicles provide the benefit of instant liquidity, quarterly reporting and regulatory oversight, but also the severe drawback of stock investing in general, namely market sentiment, wild, unexpected swings because some politician said s.th. or a report came out that was less positive than expected, buy/sell manipulation by insiders or panic selling due to rumours or opinions by market analysts or newspaper articles (that may or may not be accurate).Option 3: Private firms that invest in real estate. Many people seek an investment vehicle outside the often irrational stock market. People have to live somewhere if the market is rising or falling. People go shopping, albeit less frequently, if the market is down. Trucks need repair facilities owned by someone. Office workers need space. Etc…. REAL estate has been around 1000′s of years.. and will be around a further 1000′s of years. Have you been to Rome? Some buildings were built over 2000 years ago and still exist.. but I digress.To buy or build real estate much expertise.. and much money is required. Therefore, the idea of coupling expertise with money partners is a perfect marriage. A corporation or partnership is formed. It is not a new concept, though! England, Holland and a number of nations explored the world several hundred years ago by ship. To finance those fairly expensive shipping expeditions partnerships were created. The captain and his crew got a share, as high as 50% of the profits (spices, gold, slaves, land,…) and the ships’ financiers get the rest. Write a cheque for 4,000 pounds, and I name a mountain after you, write a cheque for 10,000 and your name is on a new city and you get 2% of the wares. Or s.th. along these lines.. and the idea of limited partnerships were born.The idea of a limited partnership is that one party has the expertise, say to prospect, analyse, buy and manage apartment buildings. Others have money to invest, seeking a fair return, but lack the expertise, the time or the desire to prospect, analyse, buy and manage assets. One party invests, the other parties does the work and profits are split according to a pre-determined, and annually inspected, formula. Since this corporation or limited partnership owns real assets, in the real world, with real money changing hands for real assets, the values can be established relatively readily, without the often irrational stock market value swings. It can provide a better alternative to investing in the publicly traded market.Thus, Prestigious Properties, in conjunction with industry experts, accounting firms and several legal firms has created an RRSP and soon, TFSA eligible investment vehicle that allows your RRSP or soon, TFSA, to participate in the performance of our apartment buildings. This is explained in detail on our website. The website also has a report on ’8 mistakes to avoid when investing in real estate syndications” that you will finds useful to distinguish between swindlers and serious operators.
Small Business Web Hosting Essentials
Every business, whether big or small, wants and needs to have a website. This is because of the benefits that can be brought on board with the existence of a web presence. The internet is more pervasive than ever which means it holds a greater potential for businesses than ever before. People are spending increasing amounts of time on the web and the web is becoming more and more accessible. However, the concern is that for an online business, a web presence can become cumbersome since for them the pricing is always an issue. These businesses are perpetually low on cash so they cannot afford to spend too much on online marketing.For these businesses, it is important that discount hosting services be available so that they can have a web presence without too much cash outflow. However, while looking for the cheapest option, these businesses might be sacrificing a little too much and putting a lot at stake. They should keep a number of things in mind before choosing a small business web hosting service.One of the foremost things these businesses need to keep in mind is that they should not fall for any free hosting service. Some free web hosting services have a number of perils. Among these is the fact that many of these services place banners on the website’s homepage that may take up valuable real estate. After all, who would want ads being displayed on their site without any control while they themselves can place their own ads and make money themselves!Another thing that business owners need to understand is the difference between managed and shared web hosting. Managed web hosting has dedicated resources that automatically mean better quality of service for the website. The website will be up most of the time and can be given a number of emails and all such related services that the business may find necessary. After all, everyone can understand the benefits of dedicated resources. On the other hand, shared hosting means that same web hosting resources are being shared amongst a multitude of websites. Thus one can imagine that these websites must experience some downtime and definitely not the optimal performance.One might think that managed services would be more expensive than shared services due to the dedicated nature of the resources. However, even though this may be true, there are many services that offer managed web hosting services at discount prices.