Do You Know These 7 West Highland White Terrier Travel Tips?

Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience.

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Commercial Real Estate Marketing

Commercial real estate marketing is the most important thing that you can do if you own commercial real estate. Things you need to do to market your property for lease are as follows:Marketing MaterialsPut together a professional flyer outlining the spaces for lease. A good flyer will have pictures of the shopping center or office building and the space, information on the space such as its size and dimensions as well as location in the property, a site plan of the property, demographic information about the market area, traffic counts of the adjoining streets, an aerial depicting the area and showing other traffic generators, and your contact information.Leasing SignageYou should have a sign at the main entryways and corners of the property as well as a sign in each vacancy in the property which has your contact information. Always have these signs done professionally.Vacancy PreparationShowing the space in a positive light is tantamount when marketing it. Have the space thoroughly cleaned with old or stained carpeting removed if it doesn’t show well, the walls repaired and painted, and ceiling tiles and light fixtures repaired and cleaned. You can stage the unit to help in leasing it. If it is unlikely that the next tenant can utilize the improvements in the space, remove them and place the space in a “vanilla shell” condition. Remember to also make sure that the outside of the space looks clean and fresh.Internet MarketingA good commercial real estate marketing program advertises the available unit on the web by putting it in LoopNet, CoStar, Catalyst, eProperty, Craigslist or any of the other many internet sites including their own. Also, sending out email blasts to the brokerage community and to potential tenants is a must to get the vacancy known.AdvertisingOther forms of advertising would include distributing the flyer to potential tenants, placing fliers in a folder by the front door of the available unit, and placing an ad in a trade publication or the local and regional newspapers.Trade ShowsAlways attend the regional and national trade shows for the industry where there are always potential tenants to talk with.Qualify ProspectsWhen you are talking on the phone to prospects always ask them qualifying questions prior to setting an appointment with them. Qualifying questions would include getting information about their experience, the type of business they want to open, how they are going to finance the business and when they want to open the business. Always put together a financial form and credit check form that a prospective client can fill out as a part of their qualifying to lease the space.Treat Potential Tenants with RespectAlways return their phone calls as soon as possible. Be on time for appointments and ask qualifying questions as you tour the space pointing out the benefits of the space and discussing the market area and the buildings. Put a lock box on the space for ease of showings and convenience.Lease AgreementMake sure that you have a lease agreement that is acceptable in the community and for the type of property you lease. Also, know how to negotiate the various points in the lease or hire a professional to handle the matter for you.Another key to commercial real estate marketing is saying the right things and following up with prospects to answer any of their questions.If you feel that you cannot do the above, a local commercial real estate broker can provide you with these services.

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Payday Loan Lenders Must Follow Fair Debt Practices Even With Death

Would direct payday loan lenders contact a widow to collect on debt the deceased spouse accrued with a payday loan? It is definitely a possibility. There are many creditors who send collectors after widows in their time of mourning. It is a very predatory approach to debt collecting which keeps the payday loan lender in a crowd of many. Just like you might find payday loan lenders who will forgive a debt when the customer dies, you will find others who play by the rules of Fair Debt Collection Practices.Payday loan lenders as with all creditors should keep best practices in play when there has been a death. When a widow is in the middle of preparing funerals, mourning the loss of a spouse and taking care of the jumbled mess a death can create financially, knowing one’s rights is the best protection against the aggressive bill collectors. Finances are the last thing a deceased spouse wants to think about, but it will be something which will need to be addressed.*Depending where you live, you may or may not have debt responsibilities of the deceased. If your name is not on the debt and you did not sign anywhere, you may not be responsible for the debt. Laws vary from state to state and country to country so you will want to obtain council to have an accurate account for what debt you may or may not be responsible for. Most often, a widow will be responsible for any debt with their name attached. There are specialized attorneys who deal solely with estate matters or a CPA. Don’t make assumptions when it comes to financial responsibilities.No matter whether the widow owes the debt of not, the Fair Debt Collections Practices Act will protect you from harassment, threats and abusive collections tactics. Being in a vulnerable state is an aggressive collector’s driving force to put pressure on to settle fast. If they are able to catch a widow off guard without being informed of their rights, they may get paid. A widow in a fragile state of mind is more apt to make payments to lesson what they think are additional problems away.Settling debt for a deceased spouse will also vary depending on what was stated in the will. If there was no will prepared ahead of time, the assets and liabilities will fall into the hands of the probate court in order to divvy up who gets what. If a widow makes payments unaware of their rights, the collectors will continue to pursue further payments until the debt is paid off. Don’t let them intimidate you, pass the problem on to the professionals. When you cannot be your own advocate, then you need to find someone who will protect your rights. Direct payday loan lenders will have to go through the same process as any other creditor. If they want to pursue payment they must follow the same channels as any other creditor. Protect yourself and demand respect and fair treatment. Professionals are there to help you through this time. They will take the pressure of having to deal with financial institutions as well as help protect you from those who do not follow best practices.

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