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Monday, March 17, 2008

Bad Behavior Or Bad Breath Why Is Your Dog Chewing The Table Leg?

I once knew a man who gave away his border collie because the dog chewed on his furniture while he was at work. The dogs second family discovered the pooch had bleeding gums and two rotten teeth. Their vet removed the two bad teeth and cleaned the rest. While they were prepared to bring in an obedience trainer, they didnt have to because the dog never chewed up anything again.

When a dog that never used to chew things starts chewing, its a good idea to let a veterinarian rule out physical problems, such as teeth and gum problems. You and I know how awful a tooth ache can be how we press the side of our face, against the offending tooth to relive pain? Since dogs cant do that, they may chew on something hard, like the leg of a chair, to help relieve the pain. Sometimes there really are medical reasons for bad behavior that dog training isnt going to fix.

Poor oral condition in dogs and cats can lead to heart and kidney disease, as well as painful tooth aches, or gum disease. According to the American Veterinary Medical Association, oral disease is the No. 1 health problem diagnosed in dogs and cats! But if you follow the steps below, you'll increase your pet's chances of a lifetime of healthy, pearly whites:

1. At least once a year, make an appointment with your veterinarian for an exam and dental cleaning if necessary and schedule follow-ups if you discover swollen gums.

2. Develop an at-home dental care routine that includes a nutritious diet and yes, regular brushing. While its best to start when they are young, with patience and persistence on your part, even an older animal can get used to having their teeth brushed and they may even enjoy the extra attention. And nix the table scraps they cause plaque build up.

If, after devoting attention to your pets oral health needs, you find the chewing continues, then you have a behavioral problem and youll want to seek professional help. To learn more, visit http://www.ezniche.com/data/article.php?l=83.

Patricia Collier is owner of http://FloridaPets.net which offers pet-friendly information to Florida residents and visitors, including where to vacation, play, dine, live and more. Copyright 2006.

The Seven Deadly Doggy Tips

1) When bringing your new dog home for the first time make sure that he/she has plenty of time to explore their new home, also try to make sure that all family members are present and introduced to your new pet, this is especially important for the older dog. A dog is a territorial animal and the guarding instinct can be very strong and new faces appearing can lead to some confusion - it is better to get everyone introduced straight off, this establishes all the new pack members.

2) Dont play rough or encourage aggression or play biting, this is especially important if you have children in the house for two reasons the first being that very young children are obviously at risk from injury even from a well intentioned but overly boisterous dog used to rougher play and the second is that older children could well be the ones playing rough with your new pet and inadvertently encourage the wrong behaviour or at worst put themselves at risk, in this case both pet and child need to be trained.

3) Never physically punish youre pet to force compliance to your commands, this will lead to a fearful dog and potentially aggressive animal - dogs work on association and will associate physical punishment with your commands and as he does not want to be punished he will avoid you, therefore defeating any training efforts.

4) Training needs to be consistent - this is very important and sometimes very difficult to maintain, your commands must always be the same e.g.: when you want your dog to come to you, you could say either come or here, the trick is to decide which command you are going to use and stick with it As I say this can sometimes be harder than it looks even the most experienced dog handler will sometimes slip up and issue a different command, the important thing is to remember not to chastise your dog for your mistake, after all he does not know you are talking to him when you issue a different command he is not used to.

5) Related to the above, if there are certain places in your home off limits to your pet make sure from the very beginning that your pet is aware of them eg: not welcome in the bathroom, on the couch or on your bed. It is also wise to make sure that all family members are aware of these restrictions as well and stick to them, if your children or spouse are happy for your dog to sit on the couch , but you are not, then you poor dog is getting very mixed signals and does not know what he should do, but he knows one thing that couch sure is comfortable.

6) Punishment must always be when your dog is caught in the act, unlike you or me, a dog will not associate punishment with something he did earlier in the day that you have just discovered the best example being when you get home to find dog mess on the floor or your favourite shoes now chewed to destruction, if you now go into a rage and punish him now, he will associate you coming home as punishment time and will likely hide away when you get home rather than being happy and pleased to see you. This is sometimes the hardest thing to achieve and naturally a dog that persistently offends whether it is messing the floor or being destructive can be very frustrating and frustrated people can get very angry, but it is important to remember how your dog thinks and behave accordingly.

7) Praise him, praise him and praise him again - this is your best tool when training your new dog, whenever he does what you want praise him, if he does it again praise him and keep on praising him, he wants you to be pleased with and lavishing attention on him. As a tool though it is invaluable, again a dogs mind works on association if you lavish praise on him when he does something like doing his business in the garden or whilst out on a walk rather than in the house, he will quickly pick up on the fact that you like him doing this and he will keep on with this pattern of behaviour and in no time at all this training job is done very nicely thank you very much.

I hope this is helpful, I could have listed more tips but these are the ones I consider essential and many others are just variations of the above.

David A. Eaton

Where To Get Money For A Franchise Idea

How often have you thumbed through a business opportunity magazine, noticed a franchise opportunity advertisement, and felt you'd really like to get in on that...if only you had the money? If you're like most who are seeking greater opportunity and wealth, this probably happens with you more often than you care to admit, except perhaps in strictly private conversations.

When the average person sees one of these opportunities, or comes up with a similar idea of his own, the problems of start-up capital may seem formidable. But in reality, they may not be. In fact, just about anyone with a good credit record and an "insider's sense of business" can get the capital he or she needs, whenever it's needed. The secret is in knowing how to put together a proper proposal, and to present it to the right per son. These are the "how-to" instructions we're going to give you in this report.

The first thing you're going to need is a complete business plan. This is a complete and detailed description of exactly how you intend to operate the proposed business. Your business plan should detail precisely the product or products you plan to sell; how you're going to produce or manufacture the product; your costs (inventory costs if you're purchasing them from a supplier); who is going to sell those products for you; how they're going to be sold; the attendant costs; when you expect to recoup your initial investment; your plans for growth or expansion; and the total dollar amount you're going to need to make it all work according to your plan. Your business plan must be detailed - complete with projected income and expense figures - through at least the first three years of business.

Now, assuming you have your business plan all worked out, put together and ready for presentation with your request for capital, let's talk about your capitalization proposal.

First, keep in mind that whenever you ask somebody for money, whether it's for a small personal loan or a large amount of money to finance a business, you're involved in a selling situation. You have to prepare a "sales presentation" just as if you were getting ready to sell an automobile or refrigerator. Within this sales presentation you must have all the facts and figures; you must anticipate the questions and the possible objections of the prospective lender with answers or explanations; and you must "package" it as impressively as you would yourself for an audience with the president of IBM or General Motors.

The more money you ask for, the more "in-the-know" will be the people you want to borrow from, and so the more detailed and organized your proposal must be. This shouldn't cause you too much worry however, because you can hire a CPA to help you put it together properly, once you've got the facts and have a business plan he can work from. See Http://workathomecoop.com

Look at it this way: The more money you request for your business, the more your lenders or prospective investors are going to want to know about you, your planning, and your business. They want to be impressed with the fact that you've done your homework; they want to see that you've researched everything and documented your facts and figures; they want to be assured by your presentation that investing in your business will make money for them. It's just that simple at the bottom line. Unless you can instill confidence in them with your business plan and loan or investment proposal, they're just not going to give much positive thought to your request for capitalization.

So you'll need a balance sheet describing your net worth - the worth of what you own compared to the amount of money you owe. You'll also have to prove your stability and money-management talents relative to how successful you've been in paying off past obligations. If you have had credit problems in the past, get them "cleaned up", or at least explained on your file at your local credit bureau office. Under the law, credit bureaus are required to give you all the information they have about you in their files, and it's your right to correct any errors or enter explanations regarding negative reports on your credit. Do this without fail because prospective lenders or investors will definitely check your credit history.

So, now you have your balance sheet prepared; your credit history organized in a light that's favorable to you; your business plan (with costs and income projected over the coming three years), you're ready to start looking for lenders or investors.

Almost all franchisors offer help in setting up with one of their franchises. Most will go out of their way to assist you in getting the financing you need. Some will lend you the entire amount, with payments coming out of the income they expect you to make from their franchise operation. Many will carry this loan themselves, while others will carry part of it and find you a lender to finance the remainder.

Franchisors have two objectives in mind when they offer franchises to the public: They are trying to expand their operation, thus increasing their profit, and they are trying to raise capital for themselves. Generally speaking, if you have a good credit history, and if they feel you have the necessary business personality to achieve success with one of their operations, they'll do everything within their power to get you in a franchise outlet. Keep this in mind the next time you see an advertisement for a promising franchise opportunity requiring a substantial amount of cash outlay. You don't necessarily have to have all the money. They want you, and they'll help you!

Many people seem to be unaware that most of today's largest corporations started on a shoestring - on borrowed money. Many people seem to feel that unless they've got it all "in hand" in savings, then they'll just have to keep plugging away until they can save up enough to take the big plunge. Nothing could be farther from the truth. Just a quick bit of research will show that 999 out of every 1,000 businesses were begun on borrowed money.

Look to your family and friends for financial help. Approach them in a business-like manner; tell them about your idea or plans, and ask them for a loan. Agree to sign a formal statement to pay them back in three, five or ten years, with interest.

When you have your proposal assembled, you might even want to think of a limited partnership or even a general partnership arrangement as a way to finance your project. In any kind of partnership, each partner shares in the profits of the company, but in a limited partnership, each person's loss liability is limited to the amount of money he initially invested. The truth is, in this kind of a situation, you'll be doing all the work and sharing your gain with your partners, but then it's a fairly sure way to obtain needed financing.

Another common method of obtaining business financing is through second mortgage loans on a home or existing piece of property. Say you purchased a home ten years ago for $35,000, and today the assessed valuation is $85,000, with a mortgage of $25,000 still outstanding. A lender may consider your home to be security or collateral for a loan up to $60,000. In many instances, this is the easiest and surest way of getting the money needed for franchise or other business investment. And, it makes sense; you've got "net worth" available that is doing nothing but sitting there. Take this equity and invest it in a worthwhile business, and you could double or triple your net worth each year for the rest of your life.

Deciding to obtain a second mortgage on your home in order to finance a business opportunity is without doubt a major decision, but if you are sure about your investment project, and are determined to succeed, you owe it to yourself to go ahead. You could incorporate yourself, borrow money from your family through a second mortgage on your home, and protect against the loss of your home through the Federal Home stead Act. The important point here is that all business opportunities involve risk and sacrifice. It's up to you to determine the feasibility of your success with your proposed venture, then decide on the best way possible to proceed.

In every instance where you run into reluctance on the part of a lender to lend you the money you need, explore the feasibilities of "two-name" or "co-signed" loans. You can have the franchisor sign with you, or one of your suppliers, a business associate or even a friend. Oftentimes you can borrow or rent collateral such as stocks, bonds, time certificates, business equipment or real estate, and in this way give greater confidence to the lender in you r abilities to repay the loan. Whenever you can show a contract from someone who has agreed to purchase a certain number of your products or services over a specified period of time, you have another important piece of paper that most lenders will accept as collateral. Still an other possibility might be to get a bank or a firm that has loaned you money in the past to guarantee your loan. They simply guarantee that they'll lend you money in the future if ever the need should arise.

Going straight to you neighborhood bank, applying for a business loan and walking out with the money is just about the most unlikely of all your possibilities. Banks want to lend money, and they must lend money in order to stay in business, but most banks are notoriously conservative and extremely reluctant to lend you money unless you have a "regular income" that "guarantees" repayment. If and when you approach a bank for a business loan, you'll need all your papers in order - your financial statement, your business plan, credit history and all the endorsements you can get relative to your succeeding with your planned enterprise. In addition, it would be a good idea to take along your accountant just to assure the banker that your plan is verifiable. In the end, you'll find that it all boils down to whether or not the bank officer studying your application is sold on you as a good credit risk. Thus you must impress the banker - not only with your proposal, but with your appearance and personality as well. In dealing with bankers, never show an attitude of doubt or apology. Always be positive and sure of yourself. However, don't come on so strong to them that you're either demanding or overbearing. Just look good, know your stuff, and project an attitude of determination to succeed.

Your best bet, in attempting to get a business loan from a bank, is to deal with commercial banks. These are the banks that specialize in investment loans for going businesses, real estate construction, and even venture programs. Look in the yellow pages of your telephone or business directories; call and ask for an appointment with the manager; and then explore with him the possibilities of a loan for your project. One of the "nice things" about commercial banks is that even though they may not be able to approve a loan for your business ideas, they will almost always give you a list of names of business people who might be interested in looking over your proposal for investment purposes.

A lot of commercial banks stage investment lectures and seminars for the general public. If you find one that does, attend. You'll meet a lot of local business people, some of whom may be able to and interested in helping you with your business plans.

When you're looking for money to move on a business deal, it does not really matter where the money comes from, or how it all comes about. It's important that you get the money, and at terms that are suitable to you. Thus, don't overlook the possibilities of an advertisement for a lender or investor in your local papers. Place your ad as well in national publications reaching people looking for investments. Other avenues to seriously consider are foundations that offer grants, local dental and medical investment groups, legal investment groups, business associations, trust companies and other groups or organizations looking for tax shelters.

Basically, it isn't a good idea to go to a finance company or other commercial lender of this type for a business loan. The most obvious reason is the high interest rates you have to pay. These companies borrow money from larger money lenders, and then turn around and lend it to you at a higher interest rate than they pay. Herein lies the means by which they make money from granting loans to you. The more it costs them to provide the money for you, the more it's going to cost you to borrow their money. The only element in your favor when borrowing from one of these agencies is that most will generally lend you money against collateral other lenders just won't accept. Insurance companies, pension funds, and commercial paper houses are not too out of sight with their interest rates, but they generally will not even consider talking to you unless you're requesting $500,000 or more. They'll also pretty much require that your business proposal be backed by the best possible plan.

Finally, the bottom line is this: You must have a well-researched and detailed business plan; you must have all your documents and projections put together in an impressive presentation; and then, you will have to be the one who does the final selling of your proposal to the investor or lender. This means your appearance, personality and attitude, because - make no mistake about it - before anyone lends you any size able amount of money, they're going to want to take a close look at you personally before they hand over the money.

Actually, the different ways of financing a franchise opportunity are as many and varied as your own creativity. The sources of obtaining money are virtually limitless, and available to anyone with an idea.

One word of caution before you jump into any franchise purchase agreement: The price you pay to participate in a franchise operation is not always the total cost involved in getting the business off the ground. With some franchise operations, you may find other costs such as down payments on the purchase of property, building construction costs, remodeling or site improvements, equipment, fixtures, signs, advertising, and training. Virtually all franchise deals require that in addition to the purchase price or the license fee of the franchise, you're required to give a certain percentage of your gross business income to the franchisor, plus extra payments for promotion and administrative costs. Above all else, before you get involved in a franchise, or any business venture for that matter, make sure you've conducted a complete and thorough investigation of the opportunity presented. If it's a good deal, then go with it; but if you have any doubts or feel as though you're getting in over your head, back off and look around for something not quite so ambitious, or perhaps expensive.

There are a lot of good franchise opportunities, and some not so good. It's important that you be sure of what you're investing in, and that you can make money with it. From there, preparing the proper business plan and the necessary financing, while not always a snap, can be done. Now's the time to do it! We wish you outstanding success with your franchise business.

Andrew Adams writes for http://www.magfranchise.org where you can find out more about franchising and other topics.

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