Beginners Golf – Learn Golf Etiquette That Every Golf Player Must Know

Golf Etiquette is Very Important!Experienced golf players follow a set of unwritten rules while on the course. These rules are typically referred to as golf etiquette. When beginners golf it is important for them to learn proper golf etiquette from the more seasoned its players in their group. As a beginners golf game improves they must begin to incorporate these rules into their usual routine on the golf course. Most country clubs don’t demand that player’s golf with courtesy, but it is expected. Following the commonly accepted rules of golf etiquette will create a congenial atmosphere in which the game of golf can be fully enjoyed by all.Beginners Golf – Maintain a Good Pace in Your Golf GameIf you have ever been stuck behind a slow moving group ahead of you on the golf course then you know how frustrating it can be. Not only does a slow group eat up a lot of time, but they can also cost other golfers strokes by throwing off the natural rhythm of their game. When beginners golf they need to keep in mind the fact that it will take them a longer time to reach the green than it will a more experienced player.If you find that your group is holding up another it is a common its courtesy to allow the other group to play through. You can also speed up your golf game by not spending an excessive amount of time looking for a lost golf ball. Another great time saver is simple preparation. Instead of admiring the clouds while your companions are taking their shots, spend that time planning your own upcoming shot.Beginners Golf – Golf Etiquette Also Involves SafetySafety is an important consideration in any sport and golf is no different. The use of golf carts is an area of safety where many golfers would receive a failing grade. Make sure to read all of the rules posted in the clubhouse, cart, and on the course. Keep golf carts in designated areas only!Beginner golfers must also be on alert when preparing to make a swing. Always look around before taking a swing; this will go a long way in promoting the safety of the other golf players in your group. You should keep your eye on the ball after making a shot and call out a warning if others are in danger of being struck.Beginners Golf – Good Golf Etiquette Requires the Consideration of Other Golfers Your actions toward other golfers are perhaps the most important part of golf etiquette. Golfers must focus when making a shot and that requires quiet. When beginners golf they must remember not to speak or make unexpected noises while others prepare to take their shots. There are a few specific rules for conduct on the green as well. When beginners golf if is very important that they are conscious of where their shadow falls on the green. All shadows must be kept well away from the putting line.

Choosing the Right Dog For You

The decision to get a dog maybe a decision the whole family makes. Or a single person may suddenly stop in front of a pet store and fall in love with the adorable face of a puppy in the window. Dogs can be companions, friends or protection from burglars. Before making the choice of what breed of dog you want take several things into consideration.FAMILY SIZE. How many people are in your household? Will there be enough room for a big dog? How old are your children? Are these children living in the same house?If your kids are fairly young, choose a smaller dog that is rugged and can stand the punishment of a child. It may not be a good idea to get a large dog that may be so rough on your children that you have to worry about their safety when the dog is around. Neither do you want to be concerned with your playful toddler hurting a Miniature Poodle. Try a Cocker SpanielBUDGET. How much disposable cash do you have after your bills are paid? How much can you afford to pay for dog food consistently month to month? How much have you got in your savings in case the dog has to go to the vet? How much do you have saved for regular medical checkups?Dogs can cost you as much money as your children. Budget for the expenses of having a dog the same way you would plan a new arrival from the maternity ward of a hospital. If your budget is small and you require low maintenance, consider a Jack Russell Terrier to spend less on food. If your budget can handle lavishly pampering your dog, maybe a Toy Poodle is your ideal dog. Budget’s not an issue? Go ahead and splurge on an Akita or St. Bernard.LIVING SPACE. Do you have a large yard that a happy dog can lose his mind running around in? Are you in an apartment with neighbors who bang on the walls if your television is too loud?Pet friendly apartments often charge extra to your rent based on the size of the dog. If you’ve discovered your budget for a new pet is minimal you need a smaller dog. A pug may be your choice. They are too small to make noise if they run around the house, they rarely bark and they’ll keep your extra rental costs down.PURPOSE. Are you looking for a friend in your dog? Do you need your dog to help you around because of a disability? Do you want your dog to deter burglars?Your desire for a dog influences your choice of dog breed significantly. Labradors make great friends. They are loyal, playful and quite intelligent. Dobermans are statuesque and always look like they are ready to attack. A pair of Dobermans is the perfect deterrent for criminals. The German Shepherds are the universal choice for help because they are so easily trained.Whatever choice you make in selecting a friend, companion or protector, review all your options carefully. There are many resource sites online that will explain what to expect from various breeds.

Making A Responsible Investment Property Checklist

Being successful in property investment is based on learning the ropes and properly applying and implementing strategies based on skills learned. Having a responsible investment property checklist is an important lesson toward this end.We could learn from different sources available to us, such as reading property investment magazines, articles, books, and other reading material in order to know more about property investment as it relates to the market. This keeps us abreast on the latest in property market trends. Whether we are inclined to make an investment or not, research and education are of the utmost importance in keeping us on track in the field of property investment.Evaluating an investment property checklist makes for a responsive approach to purchasing property. It is a product of exhaustive research and analysis of the different factors affecting properties over a period of time. A checklist developed a decade ago would look entirely different from a checklist created today.The experience gathered from buying and selling property over time has developed strategies into realizing different property configurations which can be considered for long term usage, generating great income potential.With an investment property checklist, we are able to narrow down choices in property options to the basic requirements. The wide range of investment possibilities need not be a matter of concern. The different investment would be filtered with the many criteria set-up in the property checklist.This makes for an easier and better approach to qualifying different things for consideration. If the boxes to be filled out check positively then we can consider the property. It is just a matter of narrowing down the different properties with the different criteria set forth.When you are starting in property acquisition, you would have many apprehensions in investment moves. There are many issues raised over which property to choose and qualify, such as the location of investment, the type of property to be selected, and the propriety of such choices. There would even be questions on the after thought of the reasons of the choices.Like in any other journey, we also need to be properly informed on the journey of property investment. Decisions are made based on the propriety of the issues affecting the investment. Based on the right investment strategy made by Andrew Gardner, purchase of property is made. Here is an example of an investment property checklist which could effectively make you qualify the right property based on your requirements.The property requirement calls for at least three adequately sized bedrooms complimented with at least two bathrooms. The property should be located away from the main road, with provisions of a locked garage for two cars, with good drainage features, and the property should be new or a few years old to qualify for maximum depreciation discounts and have little maintenance requirements. The property should have a high fair market value and have a good environment to increase its value.

Selling Inherited Property With A Mortgage

What Happens When I Inherit A Property With A Mortgage?Inheriting a property with a mortgage can impose a financial burden on the beneficiary. So, what happens when you inherit a property with a mortgage? Here’s a quick guide on what to expect and what to do if you’ve inherited a property with a mortgage.Inheriting A Property With A MortgageJust like a property that is free and clear of any loans, a mortgaged property can be inherited as well. If you’re the inheritor, make sure you have ownership by recording the deed at the county recorder’s office. Failing to check if the property is insured is often a missed process an inheritor should take. Calling the insurance company to make sure your property has a homeowner’s or landlord’s policy on it is important. You should also call a title company to make sure the property has title insurance.Be sure to note the mortgage doesn’t just go away! You should consult with the mortgage company about how to pay it off.What Happens To The Mortgage Or Liens When You Inherit Property?Inheriting can sometimes be a financial burden. The mortgage, back taxes, liens, etc… do not just go away when a person passes. They follow the property and survive the death of the owner. Some liens may or may not be negotiable. Consult with a professional to help you with these matters.Sometimes, these mortgages cannot just be assumed (For example, on properties with more than 5 units, apartment buildings, or commercial buildings). The Due-On-Sale clause prevents this. This basically means that the full balance of the mortgage is due upon the transfer or sale of the property. The Garn-St. Germain Depository Institutions Act of 1982 allows an exception to the Due-On-Sale clause when a property transfers by inheritance to a close relative. Also, a joint-tenant may assume a mortgage. A joint-tenant is a type of shared ownership of property, where each owner has an undivided interest in the property. This type of ownership creates a right of survivor-ship, which means that when one owner dies, the other owners absorb the deceased owner’s interest.What Happens When I Inherit A Property With A Mortgage Or Liens?Reverse Mortgages:If the property as a reverse mortgage, (where the lender pays the owner for their equity usually monthly) then the estate must pay the lender back. If the property passes to a beneficiary, then the beneficiary must pay back the amount to retain ownership. The beneficiary also can sell the property to satisfy the amount owed. They may also obtain a new loan to pay the amount owed.Foreclosure:The lender may foreclose on a property if the new owner fails to pay the mortgage. A lender might foreclose if the new owner doesn’t meet the credit guidelines, and also may have a strong incentive to foreclose if interest rates are rising.Steps You Should Take If You Inherited A Mortgaged Property:1. Make sure the property is in your name. Make sure to record the deed at the county recorder’s office.2. Make sure you have property insurance on the property. This includes title insurance.3. Find out if you’d like to sell the property or keep it.4. Call the lender and find out the terms of the payoff, or let them know you’d like to service the loan.