In the country of Germany you will find many interesting cities and towns like Heidelberg to visit. This charming city can be found in the Baden-Wurttemberg region. The city is located in the Rhein-Neckar-Kreis rural district. Heidelberg is situated close to the River Neckar where the river leaves its home steep valley in the Odenwald to join with the Rhine River. You will find this wonderful city is part of the region which is called the Rhine-Neckar Metropolitan Region.

For the interested visitor you will find a visit to Heidelberg to be most pleasurable. This city has a number of interesting places for you to visit as well as many modern amenities to enjoy. You will find there are a number of hotels, inns and other accommodations which will fit the budgets of many visitors. The shopping and fine dining that you will be able to enjoy alongside with that of sightseeing is sure to enhance your pleasure of this city. As there are many interesting places for you to visit while you are in Heidelberg you may wish to take some time planning the sights that you wish to visit well in advance so that you can enjoy all of the pleasures that Heidelberg has to offer you.

Of the many places that you can visit while you are in Heidelberg you may wish to see the Philosophers‘ Walk. This walkway which in German is called Philosophenweg is located in Heidelberg itself. You will find this walkway near the ruins of the Celtic fortress located there. The name for this place comes from the fact that the university professors and philosophers of the city used to walk and talk here. As you visit this spot you will be able to see some excellent views of Heidelberg castle and the Old town.

Another great place that you may wish to visit while you are in Heidelberg is that of the Heiligenberg Mountain. From the summit of the mountain you will be able to see a spectacular view over the old town of Heidelberg itself. Nature lovers will enjoy coming here to see the beauty of the surrounding countryside as well. Not too far from here you will be able to see the remnants of an ancient wall which was built by the Celts to keep Germanic tribes out of the area.

Besides taking a look at these ruins you will also be able to look at the Heidenloch which is a deep well. The origins of this well are unknown however it is an interesting place to see as it indicates the city of Heidelberg has a history that is older than may be known. Also while you are in the vicinity of the Heiligenberg you should take the time to visit the ruins of a 10th century Heidelberg cloister.

These are you see are just a few of the interesting places that you can visit while you are in the city of Heidelberg. The next time you are planning a visit to Germany you may wish to spend some time exploring this charming city and see what you can uncover for yourself.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Hannah Rollmaker

Long distance transport for the older horse

The details for preparing an older horse for a long trip are pretty much the same to move any horse long-distance, remembering that the recovery time for an older horse is longer than for a younger horse. Here are the steps to keep a horse safe and to make it a good experience. First let’s talk about the things that you should not do before setting off on a long trip. It is never a good idea to trim your horse’s feet or to vaccinate them a couple days before transport. How many times have we seen horses become footsore because of that trim. And of course, older horses have a higher chance of running a temperature after being vaccinated. If your horse requires a rabies certificate or requires new shoes, please do it several days prior to shipping.

The day of shipping, particularly when it is warm outside, to not grain your horse. Even with slight dehydration, a horse can impact colic from undigested grain in their system. Another note here, horses that are not great shippers have a higher incidence of ulcers. Transport can be highly stressful. Many horse vets recommend medications like Gastrogard to reduce the ulcer risk.

We’ll spend some time here talking about you transporting your horse. Later in the article I’ll have some thoughts about what to expect for your older horse by shipping with a commercial carrier. After you have successfully loaded your horse, one of the most important things you can do is to make their journey comfortable. You should not keep them tied. This prevents them from dropping their heads and keeping their sinuses clear, leading to congestion and possible pneumonia. Next, bring a sufficient supply of hay that they have been eating. Just as we are careful to slowly switch our horses from old hay to new hay at the barn, it is also important to be careful here, and not switch hay, if at all possible.

I recently transported a yearling filly The folks where I picked her up went out to the grain store and bought hay to go with her. It was not the hay that she was used to and she had loose poops as a result. It’s also important to have water available for your horse too. Most horses will not drink in the first 12 hours of transit. Particularly when it’s hot it is important to have water in front of them. We hang a Foraflex bucket and fill it half full while we are moving.

I recommend that you carry water that the horse is used to. It is not always possible but like hay it’s important to keep them eating and drinking the same things they used to at home. It’s also important carry water with you when it is hot weather, if for any reason you are delayed in transit. The last two things to consider when moving your horse cross country are blanketing in winter and rest. I encourage my clients to put a sweat sheet beneath the blanket. That way if the horse is a little upset and sweats up, the sweat has a chance to be wicked away from the body and not stay in the blanket and give them a chill. There are many thoughts about resting the horse in transit.

One is to stop for an hour every four hours to let the horse rest. Recently a study done at Texas A&M found that short periods of rest were not effective. Because I transport horses alone I need to stop each day for an eight hour rest period.

This gives the horses a chance to rest and recover and rehydrate. They come off the trailer fresh at the end of the journey. If time is not an issue and you want your horse off the trailer overnight, I recommend websites like HorseTrip.com that lists horse hotels across the country.

I wanted to take a moment to discuss commercial carriers and how they operate. Most commercial carriers have two drivers, and so equipment really never stops moving. Horses never get a chance to rest and recover. Also many carriers, never give horses their head, but keep them tied. Horses finish their trip often exhausted, dehydrated, and even sick. There are many trucking companies out there that the drivers are just that, drivers not horseman. They’re hauling freight, not horses. The other thing that happens with long-distance commercial carriers is that they don’t take the most direct route. Most recent example I can give you was a transport that I bid on and the person who bought the horse decided to have another hauler to the work, because he was cheaper. What the hauler did not tell him when he picked the horse up in Georgia to go to New York was that he was going via Texas.

Two things occurred here. First, the horse was coming from warmer climate to a winter climate and should have been blanketed for the second half of the trip. And second, the trucker did not tell the client that he was not taking the most direct route. The horse was on the trailer three days longer than necessary, exhausted and sick. So much for saving a couple hundred bucks for the transport. So when you need to use a commercial hauler there a couple of things that you should ask and get answered. First, is it the most direct route possible and second, you need at least three references. I What you horse reaches its destination. It is important to give them at least one day of no work to recover from the trip, and two days with no work is even better. I also suggest that y u give them a full day to rehydrate and not feed to any grain.

That’s it from here. Safe travel.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Tony Lepore

The Wentworth Estate village (in Virginia Water, Surrey) is one of the most exclusive residential areas in the world. It is the home of millionaires as well as one of the world renowed golf courses that shares its name: the Wentworth Golf Club.

With such exclusive residents of the Wentworth Estate or the remaining areas of Virginia Water, there is no shortage of private schools around the area. Here are some of the good private schools nearby:

Papplewick is as a prep school for 200 boys aged 6 to 13. By setting the bar high, Papplewick boys gain entry to the top UK senior schools including Eton, Harrow, Winchester, Wellington, Charterhouse, and Stowe.

St Mary’s Schools is a leading Roman Catholic boarding school for girls aged between 11 and 18 years set in 55 acres of beautiful grounds in the heart of Berkshire. They are a friendly, stable and caring community, proud of our academic and extra-curricular achievements and dedicated to bringing out the full potential of each of our 380 pupils.

Gordons School is listed as one of Britain’s outstanding schools by Her Majesty’s Chief Inspector, Gordon’s is a unique non-selective state boarding school that recognises that a good education is not just about outstanding examination results but a thorough preparation for life. Gordons is one of Britain’s most academically successful state schools.

Heathfield is a leading, all-boarding school for girls aged 11 to 18 years old. The school is set in 36 acres of magnificent grounds, and conveniently situated in Ascot. The school is fully equipped with all the teaching, sporting and leisure facilities required to make education a challenging and positive experience.

The Marist The establishment of a boarding and day school in the Berkshire village of Sunninghill by the Marist Sisters was a direct result of the German air offensive against London in the early 1940s. Today the Marist Schools are independent Catholic day schools for girls aged 2½ to 11 and 11 to 18 years. Both schools are situated within 55 acres of woodland on one site.

Hall Grove The school occupies a unique site, with lots of open space, parkland and woodland. The school started with just 6 pupils. The property was in near derelict condition and had been empty for over two years. Today, it is a vibrant, happy community of over 400 boys and girls with an outstanding reputation for academic, musical and sporting success.

Coworth Flexlands is a preparatory day school and nursery set in 13 acres of countryside on the Surrey and Berkshire borders near Chobham. They provide places for 160 girls with boys being accepted into the nursery between the ages of 3 and 5 years.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Fatin Gunes

„Buying a new home, especially if it’s your first home, is not an easy thing to do. There’s new terminology to learn, an entire process to follow and a large number of decisions to make. That’s why almost everyone who buys a home works with professionals in the field to make sure that they get a good deal on a good home without too much of a headache. The most important person in the team of professionals that you’ll want as a home buyer is your realtor. But how do you go about finding a good realtor?

Here are some of the top ways that successful home buyers find good realtors:

1) Word-of-mouth. Often, the best way to get a good realtor is to start asking everyone you know if they know of a good realtor. You’ve probably gotten other professional help this way (everyone’s always asking if you know of a good dentist, right?) Of course, you shouldn’t just jump into bed with the first realtor who gets referred to you – your Aunt Sally’s blind elderly neighbor that talks to his cat might come with her referral but he might not be able to meet your home buying needs. But good word-of-mouth referrals are a great starting point for finding a good realtor.

2) Look at the ads in real estate magazines. A picture is worth a thousand words right? If someone is invested enough to get a good professional picture and take the time to advertise in key locations, he probably cares a lot about his real estate business. And that means he’s got a good chance of being a dedicated realtor. It doesn’t hurt to search the ads to see who is out there and to make an appointment to meet with some people.

3) Make use of your search engine. You can do a whole lot of research into local realtors by typing your information request into your search engine. Review some realtor websites and look for positive reviews of realtors in your area to help you find a good realtor.

4) Put together a list of interview questions and don’t be afraid to interview a number of different realtors until you find the one that you want to work with. Yes, you might be seen as a pesky client but if a realtor wants your business, she’s going to work hard to get it which means she’ll fully answer the questions that you have. Things you’ll want to know include the length of time she’s been in business, how well she knows the area that you’re interested in buying a home in and what she’s going to do to help you understand the home buying process.

If you find a good realtor, the rest of the home buying process should go relatively smoothly. Yes, you’ll still have decisions to make but you’ll have a professional real estate agent there to help you with those decisions. And you’ll be able to rest easy knowing that the hard part is over. Well, at least until it’s time to start moving in!“

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Kinan I Beck

If you are in the market to buy your first new home, you may happy to learn that you may be able to qualify for first time home buyer grants, which can provide you with down payment assistance on the purchase of your new home. These grant programs are often provided to new home buyers, regardless of credit or income.

With first time home buyer grants, those buyers can get money for down payment, closing and to help reduce mortgage payments. Because the funds that are awarded are not loans, the applicant never has to worry about paying the money back. It’s just a matter of finding and applying for them.

Traditionally, first time home buyer grants are provided by local or state government agencies. They are used to help expand or develop the community. By providing these grants, the government is able to effectively raise home values, attract new home owners and small business. That means more tax revenue for the government, making time home buyer grants end up being a win-win situation.

Different types of grants are available with various terms. As you search the grant directory, you’ll want to review the terms of each grant to find the one that is most suitable for you and most closely matches your qualifications. There is, however, no limit on the number of grants you can apply for or receive. As long as you are at least 18 years old and a tax paying citizen, you are free to apply for as many government and private foundation grants as you like.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by David Sklonic

May 27, 2010 Down Payment Assistance Programs (DPA’s) for First Time Home Buyers By: Michael A. Foote, CMB

There is money available for first time homebuyers today. In a much needed addition to financing products available today, down payment assistance programs are available once again. Down Payment Assistance Programs are generally a local, state or federal grant or bond program designed to assist certain persons with certain income levels in certain areas, with money that can be used for down payment and closing costs on many purchase loans.

These tax free grants or loans are generally forgivable provided the buyer stays in the home for a designated amount of time. And these dollars can dramatically change the amount of money required for closing when these first time homebuyers buy a home. For example, a typically FHA borrower may have to come up with over 4-7% total of the sales price whereas a borrower with a WISH down payment assistance program may only need to bring in 2-3% total. That’s a huge amount of money on a several hundred thousand dollar transaction. If you amortize out that difference the savings are literally tens of thousands of dollars since most closing costs are financed in the new mortgage.

So what does the process with „DPA“ look like when compared to the regular loan process. Quite frankly, it’s seem less to the user insofar that the lender will generally have to deal with the additional hoops during the process. For the borrower/buyer they probably wouldn’t know the difference. The only real difference is a potential for a slightly longer loan processing time. So is DPA a good idea? Well, lately it has been a challenge for Realtors to get clients using FHA let alone FHA WITH Down Payment Assistance so an argument could be made that using DPA on an Offer to Purchase could be a determining factor for the seller’s side when these choose the offer to open escrow with. The only cure for this pitfall will need to be more product on the market for properties up to the $400,000 range as DPA generally have no purpose and no qualifying borrowers as the sales price rises and/or in areas of high per capita income. Undoubtedly, DPA has a place in today’s financing landscape and those of in the industry are happy to have it, it is one more additional tool to increase homeownership for low to mid income families. And this product will help sell the forecasted shadow inventory rumored to be lurking around the corner.

Only time will tell if that come to fruition or not. These programs are not free from abuse, there have been in the past scams related to DPA and officials, lenders, and large institutions have really scaled back what is allowable as DPA. Also economics play into the availability of these from all the time. There are many DPA’s completely drained of funds.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Michael Foote

If you are a first time home buyer, you may want to have the right strategies to save a down payment, apply for a mortgage, and buy a house that you desire. Just like any large project, you need to get the details right for a successful home buying experience. With these steps, you can navigate the process and get a great deal. Given below are some of the tips that can help you purchase the best home. Read on to find out more.

1. Start Saving as Early as Possible

Make sure you start saving as soon as possible. This way you will have plenty of money to spend on the best house. You need money for making a down payment and meeting closing costs and move-in expenses. Generally, the down payment is 10% of the full value of the property.

2. Decide on your Budget

Find out how much you can spend on the property prior to starting your search. You can use an affordability calculator in order to set a price range on the basis of a lot of factors, such as your credit rating, down payment, and income, just to name a few.

3. Work with a Real Estate Agent

Working with a reliable real estate agent can help you check out homes that can meet your needs. They can make it easier for you to negotiate with sellers and get the best deal possible. You may also want to get referrals from other home buyers. We suggest that you interview at least five agents and ask them for references. Make sure that the agent has at least 10 years of experience in the field.

4. Go for the Right type of House

You may want to compare the advantages and disadvantages of different types of properties based on your budget and lifestyle. Unlike a single-family home, a townhome or condominium can be a much better choice. Another great option that you may want to consider is a fixer-upper. They come with lower price tags. But you may want to set some money aside for remodeling these properties.

You may want to consider your long-term needs, especially if you are planning to expand your family. In other words, you may want to purchase a house that has additional rooms.

5. Stick to your Budget

You may not want to spend more than what you can afford. Therefore, it is not a good idea to spend more than what you can payback. This is important if you want to avoid financial stress in the future. It is better that you consider properties that are priced lower than your maximum budget.

Long story short, if you are a first-time home buyer, we suggest that you follow these steps and you will be able to buy your first home without getting into trouble. Just make sure you have set a budget and taken into consideration all the important pointers given in this article.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Shalini M

Buying properties in Florida takes more than just contacting the seller or their real estate agent. To get the most value for your money, it helps to know the many ways you can protect yourself as a buyer. To the first-time home buyer, one might get so excited going through the public listings and try to negotiate with the real estate agent or the seller himself. But without professional advice, there are many ways that additional costs can easily add up. These are costs that the new home buyer may not realize until the final transaction or closing.

First of all, it helps to know that there are different agent relationships in Florida. There are transaction brokers who are there to facilitate a transaction with neither loyalty to the seller nor the agent. Then there are those seller’s agents whose main role is to get the highest price for the seller as well as protect the seller’s interests and facilitate a fast sale. The third agent relationship is a buyer’s agent but working in a listing office. This clearly has a conflict of interest because they may have the buyer’s interest in mind but, since he/she is working in a listing office, said buyer’s agent is bound to protect the interests of the listing office as well.

These options do not really have the full buyer’s interests in mind. Yet, for a first-time home buyer, doing it on your own may present you with surprises like hidden costs in terms of repairs or closing costs passed on to the buyer. There are many other surprises that a new buyer may not realize, and your best bet is to have an agent whose interests are fully for the protection of you as the buyer. With having a buyer’s agent, you have peace of mind that you have a professional who knows the right questions to ask the seller or the seller’s agent, who knows how to negotiate, and lastly to determine the correct value for the buyer’s money.

For example, what is the current real estate market trend in the area? Are there repairs needed and what is the best way to negotiate about the repairs? When was the last time the roof was changed? Is there no past repair that still has a record of a violation?

These are just a few of the many other issues that can come up for first-time buyers. It helps to have a real estate professional, an agent whose sole motive is to protect the home buyer.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Hazel Christine Herber

Are you looking for foreclosures in your area? Conditions in various seller’s markets may be different but there are still ways in which you can easily find foreclosed homes for your ownership.

Tap the services of real estate agents. Real estate agents are given access to a system which is known as MLS or Multiple Listing Service. It is through this system that the agents are able to find foreclosed homes in a specific area. Thus, tapping such professional is one way to find a foreclosure.

Scout for real estate yard signs. Banks are still into the practice of putting yard signs into properties that have come back to their stables of possessions. There are variations of these signs but aside from foreclosure, included among the most common signs are bank-owned, bank repossessed, and bank repo. Typically, the real estate agent’s name is reflected on the sign. Take the opportunity to call whoever is written on the sign. with advanced thinking, you can already ask about forthcoming foreclosures in your area.

Join social media groups geared towards foreclosure buy and sell. Social media has become habitat to a variety of groups with different purposes and goals. Foreclosure groups are no different. They have thrived and lived on social media. If you are savvy enough, you will be lucky to find some groups over Facebook. Join them. You’ll not only find foreclosures in your area. You will also be up for learning from the experiences, tips, and suggestions that will be shared by other members.

Visit real estate websites. Apart from the real estate agents themselves, a lot of real estate firms maintain official websites. There are firms which concentrate on foreclosures. There are also those which offer the buying and selling of mixed properties along with foreclosures. Either kind, you can browse through their listings and filter those properties that are already foreclosed or those that are nearing repossession.

Make your own ads. Digital marketing, aside from being free, is powerful in terms of the number of reach it can have. A single post can reach multiple sellers. Utilize your social media accounts for free posts that you are looking for a foreclosed property to buy. Just patiently wait for responses, and you’ll be more than happy to see that there are indeed a number of persons who are willing to negotiate for their foreclosed homes.

Foreclosed properties are just near your place. By finding them and giving good offers, you are not only taking a step towards buying a dream house or an investment property. You are also making someone benefit from the amount that will be granted when deal is closed.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Desare A Kohn-Laski

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Immobilienmakler Heidelberg

Makler Heidelberg

Source by Vinod Vama