Julie Gross' Blog
Picking the right veterinarian for your pets matters. It will put you at ease every time they need a healing touch. Whether you're new in town, or your pet has a specific issue you'd like carefully tended, here's how to find a vet who will offer you a high standard of care.
Finding the Best Vet in Town: Where to Start
You can start with a simple search: "veterinarian near me." Then, take a look at each website that comes up on the first page of search results. Check out the vets' biographies. Do they belong to the American Veterinary Medical Association? What about your state's or region's veterinary medical association? These are key credentials.
Now, talk with your neighbors who take a keen interest in their pets' well-being. They will be able to give you recommendations. Don't just ask your neighbor which office they use. Ask which of the practice's vets they couldn't do without!
Confirming What You Learn: Supplementing Your Pick With an Online Search
The two strategies above, combined, will start a solid, well-informed search.
Round your strategy out by going onto the online review sites (such as Yelp or Google), and confirm the opinion you have made.
Sure, some people use review sites to vent. But many clients use the sites to praise particular vets and their pets' experiences. And the negative reviews are likely to be answered in a polite, professional way by a good veterinary office.
Your Pet's First Visit: How You'll Know You've Found the Right Expert
During your first appointment, consider all of these aspects good signs:
- The place is clean. It looks busy, but not unmanageably hectic.
- The office staff members are polite and understanding when answering calls.
- Both the staff and the vet make you and your pet feel respected, and put you at ease.
- There is a caring protocol for pets' pain management. Neutering and spaying, for example, include pain relief medicine.
You'll want to know there are at least two vets on staff, to offer adequate coverage for absences. And the office should offer at least some weekend hours.
Changing Course: When the Time Comes to Switch Vet Practices
Do not be embarrassed about switching to a new vet if you develop concerns about your current practice. You might also just wish to go with another, highly recommended vet.
But do collect all the necessary information before you switch. Ask for full records pertaining to your pet. These might be handed to you on a disk, or sent directly to your new vet.
Best wishes settling in with the perfect vet to oversee the health of your best buddies for life.
19 Langdon Rd, Norwood, MA 02062
You’ve decided it’s time to build the dream house you’ve always wanted. An exciting time!
Prior to hiring builders to construct your home, it’s critical to understand the financials involved before you start the planning process. Securing funding for land is different than obtaining a traditional home mortgage. For starters, there are typically fewer loan options. If you’re looking to buy land to build your new home, here is a rundown of several common funding options.
If you have the cash to cover the full purchase price of the land, this might be your best bet because you’ll be debt-free. Many mortgage lenders often waive large down payments to build houses because the borrower establishes equity in their new home by buying the land outright.
A word of warning—be careful about wiping out your savings because you’ll need money as unexpected circumstances arise during the build process—always have a financial contingency plan.
Land or Lot Loans
Land loans are available for raw, undeveloped land, and is a great alternative to avoid cleaning out your bank account. The big drawback is interest rates will be higher. Lot loans are very similar to land loans, with the primary difference being the land has building permits, surveys, and/or utilities already in place. Like a land loan, a lot loan typically comes with higher rates.
Land is often difficult to sell and, to get the ball moving, some sellers are willing to lend buyers the money needed to get their build started. These loans are usually short-term and come with high-interest rates.
These short-term, high-interest loans are designed to help you get your project started. To be approved, you’ll need to have a budget and construction plan in place. Once your project is completed, you can often convert a construction loan to a traditional mortgage.
Home Equity Loans
If you already own property, you can explore taking out a home equity loan to cover the cost of your new land. These loans are easier to acquire, along with longer terms, better interest rates and no down payments. The big drawback is if you default on payments, you risk losing your existing home.
Borrow from Local Financial Institutions
Local lending agencies are more likely to approve a land loan than other financial institutions that aren’t vested in the community. You might do well by identifying community banks and credit unions who are familiar with the land, along with its worth and potential.
In general, lenders command higher interest rates and bigger down payments with land-related loans because they deem land purchases to be far riskier than lending money to people to buy an existing home. The reason being they perceive owners as not yet fully invested in the property until a house is on it.
Choosing the right property and finding a way to fund the purchase is the first step. Once you’ve got these two boxes ticked off your to-do list, you’ll have taken one big step towards the day you’ll be able to move into your dream home.
67 Cross St, Foxboro, MA 02035