Through this series, I am attempting to help Joe who wants to change is current job, but he is very much confused. He is not sure, if he is making a right decision or not. In the first part of the series we asked Joe some questions about his current job. In this part, we will ask questions about Joe’s financial condition and will also ask Joe to evaluate himself in terms of finance.
Analysis of Joe’s financial condition
Before Joe can jump out of his current job and take up a new venture, he needs to understand his present financial condition. If he is not very much sound financially then he should stick to his current job until his financial condition improves. To find out how healthy is his financial, Joe needs to ask the following questions:
- How good is your credit rating? Joe needs to have a very healthy credit rating before he should quit his job. If his credit rating is not good then Joe should stay in his current job and build a strong credit score before he can think of quitting the job.
- Can he sustain his life for six months without a regular income? No matter how starry-eyed Joe is, he will not be able to make any difference, if all he got is dream. He needs to think about his family and their life. He needs to put bread on the table, pay his bills, support his child, and have some savings for medical and other emergencies. And if Joe can do all these for six months then Joe is good to go. He should quit the job and chase his dream. Six month is a long time, if his dream is realistic and executable, he can start anew in this period.
- Does he have sufficient savings to support his dream?
- From where is he planning to get financial support to go all in?
- Does he have medical and insurance policies in place? When is the premium due? What if he fails to make the premium? How much will it affect his and his family’s medical and insurance coverage?
- What about his retirement plan? How will it get affected if he fails to make deposit to his retirement fund?
- Is his wife earning? Can she support Joe’s family? And for how long can she do so?
Joe would not like to put his family life in jeopardy by making a reckless decision. Hence, these questions are worth considering before he could bid adieu to his current job.
Tags: Chase, Credit Rating, Credit Score, Emergencies, Finance Analysis, Insurance, Insurance Coverage, Insurance Policies, Job, Long Time, New Venture, Pay Bills, Retirement Plan, Right Decision, Six Months
Puppy food is ridiculously important for your puppy in the early stages of their lives. This food provides the special nutrients that they require at such an early age so that they can receive everything that your puppy needs as they grow. And puppies grow ridiculously fast, which is why their puppy food is so important to substantiate that fast growth. But when is it time for you to change their food to the adult formula?
Usually as a rule your puppy should stay on puppy chow for at least 7 months to a year, before you switch them to the adult formula. But this can be different in many cases, and is dependant on a number of different factors.
First off, the size of your dog has a very large impact on how quickly, and how in general, your doggie will grow. The larger the dog the slower that the growth process will take place, meaning you actually want to keep them on puppy chow for a shorter period of time, as the higher amounts of amino acids and fats found in puppy food won’t be beneficial at all to the larger dog’s slower growth rate. Which is why you’ll want to shift a larger breed’s eating from puppy food to adult sooner rather than later, usually at about six months you’ll want to start making the transition. This applies even if your dog is on the puppy food formula designed for larger breeds.
Although it’s still best to consult your vet before making any major changes.
Otherwise for most small dogs you want to stick to the basic rule that they should be on puppy chow until they are at least 1 year of age. You want to feed them three times a day, leaving the food out for 15-25 minutes, after which dispose of any remaining uneaten food. You want to stay on that routine for about a year, after which you’ll want to begin mixing the adult food with the puppy chow to ease the taste transition for your dog, so that they don’t become apprehensive about the new food. Keep using less and less puppy chow until it’s been removed from the mix completely.
Tags: 7 Months, Adult Food, Adult Formula, Amino Acids, Array, Doggie, Fats, Food Formula, New Food, Nutrients, Period Of Time, Puppies, Puppy Chow, Puppy Food, Six Months, Small Dogs, Three Times, Transition, Uneaten Food, Vet
When you are a property owner, it is necessary to have a lease agreement read, signed and dated by the tenant. A lease agreement will protect you, should it ever come to the point of having to go to court with the tenant for any reason. This article will go over the information that you should contain within your lease, this will not only benefit you but your tenant as well, in knowing what you expect from them.
The lease agreement should primarily identify the property owner and the tenant, as well as the date in which the agreement was entered. The real property address should be included as well as a description of the property you are renting. For example, if you are renting a 2 bedroom house, the lease agreement should state the address and that it is a two bedroom home with or without a garage.
If the rental property is an apartment then the areas the tenant has rights to use should also be stated within the lease agreement. Additionally, if there are specified parking spaces for each tenant, the space number assigned to the tenant should be specified, as well as if there is no specified parking, such as on street parking.
The terms of the lease should be stated, for example, six months or twelve months. Any form of renewal of the lease should also be stated explicitly within the lease agreement. If you will allow your tenant to renew the lease at the end of the current lease, you must specify your conditions upon the renewal.
An extremely important aspect of any lease agreement is the rent amount. This should be stated in written words and numbers. If you are renting to a tenant for $600 per month, you should state within the agreement, “For the sum of six hundred dollars ($600) payable on -put the date here-”. State within the agreement to whom the rent is payable to and the address to which to pay it.
Any form of fee for late rent payments must also be stated in the lease agreement and when the late payment will be assessed if you intend to charge one. Additionally, state any fees for early termination of the lease agreement or failure to pay rent, including attorney fees and court costs.
If you allow pets, state in the lease agreement what type of pet(s) are allowed and how many, any type of pet deposits should be stated. You should state your responsibilities as the property owner such as fixing appliances or damage to the residence as well as any responsibilities of the tenant, such as pest control and the like.
If you provide any paid utilities to your tenant this must be in the lease agreement along with any utilities your tenant is responsible for. By providing a lease agreement, you are ensuring an understanding between you and your tenant of what will occur during the occupancy of the residence and what you expect. State how you want the property cared for and how you would like complaints to be handled.
Tags: Apartment, Current, House Lease, Lease Agreement, Parking Spaces, Property Address, Property Owner, Rent, Rental Property, Renting House, Six Months, Space Number, Twelve Months
