Before taking any action, especially if you are purchasing completely raw land, consider hiring professional legal help. Hiring a real estate attorney will ensure that your rights are protected during the bidding process for purchasing the land and during the financing process. A good attorney will also be able to help you with price negotiations. Before you can purchase your property, you will need to make an offer on the land and have that offer accepted by the seller. This process can be very simple, but can also follow a relatively complicated bidding process. For more information on the actual buying process for land, see How to Buy Raw Land. It may also be in your best interest to ask for an exclusive option on the property for a period of time so you can pursue financing, etc. Having an option is better than owning, since there is less money involved. Before submitting an offer on the land, be sure that you have the proper permits and any requisite insurance. Ask your lawyer for assistance in this matter. If your offer is accepted by seller, you now will have to find a way to finance your purchase. Start by contacting potential lenders like local banks and credit unions to request a loan interview. Meet with these lenders and present your land portfolio. With enough salesmanship and good credit, along with a good land portfolio, you might be able to get a loan through one of these institutions. With some land types, especially raw land parcels, it may be very difficult to secure funding from a financial institution. Luckily, there are a bevy of other financing options available. The land serves as collateral for loan; additional security might come from downpayment in place of other assets. Be aware that some financing options may be more expensive than borrowing from the bank, so consider your options before setting down any of the following paths.  One option is owner financing. This essentially allows you to gradually pay the seller of property directly, rather than going through a lending institution. This will generally require a large down payments to secure the trust of the seller. Like any bank loan, owner financing will be secured by legal documents. Contact the seller of the property to see if they are willing to do this financing option.  Another option is through a private-party loan. This will require you to find a friend or family member willing to loan you money. These loans can be secured with collateral (the lender takes possession of a house or car if you default) or unsecured.  Additionally, if the land is being purchased for a specific purpose, like for farming or commercial use, you may be able to apply for government loans. Specifically, the Small Business Administration (SBA) offers loans specifically designed for the purpose of purchasing land and the United States Department of Agriculture (USDA) offers land loans to farmers who fail to qualify for traditional loans. See their respective websites or contact your local SBA or USDA offices to learn more. Estimate the total costs of each loan and compare them against each other. Generally, owner financing will be the cheapest option, unless you have great credit and are able to secure a low-interest bank loan. Also think about the durations of the loans; you don't want to take a great interest rate but be stuck paying it off for many years. Choose a loan that you can afford and, if you're utilizing your land for profit, one that will allow you to earn money in the long run. Select which loan works best for you and pay the down payment. Be advised that in many cases, this down payment may be as high as 20 to 50 percent of the value of the property.
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One-sentence summary -- Consider hiring a lawyer. Make an offer on the land. Contact potential lenders. Consider other financing options. Compare your financing options. Choose a loan.


Spotting a broken or fractured bone can be difficult.  To do so, look for areas that are swollen, particularly on the dog's legs.  There is often swelling around the break.  If the dog is moving around or walking, observe it to determine whether or not it is moving any part of its body unusually.  For example, is the dog holding one leg at an odd angle?  Or is one of its legs shaped differently than the others?  These can all be signs of a bone injury. If the dog has a broken bone from the accident, it is important that you touch it as little as possible.  Don't ever try to reset the bone—this should only be done by a professional. Depending on the severity of the break and the size of the dog, you may be able to get the dog to a vet without splinting the injury first.  If the dog is small enough, you can hold it, allowing the injured extremity to hang free.  If the dog is larger and will not lay still, however, you may need to make a splint for the injury before taking it to the vet. Most bone injuries are not life-threatening, but immobilizing the injury can help prevent complications.  To create a splint, find a solid, straight object, like a stick or piece of wood that is long enough to extend past the joints above and below the break.  Place one of the sticks or pieces of wood on each side of the broken bone and secure them in place by wrapping or tying a cloth or rope around them. If you think the dog might have a broken neck or back, it is best to wait for animal control to arrive and assist you in treating the dog.  If you have to move the dog, however, do so with as little movement as possible.  Try to find a flat, hard surface, like a large board, to transport the dog on.
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One-sentence summary -- Check for bone injuries. Don't try to reset the injury. Transport the dog with as little movement as possible. Make a splint. Use caution if you suspect a broken neck or back.


Visit your local drugstore to buy the appropriate items. Keep in mind that salicylic acid comes in a topical form, but can also be found in ointments, soaps, cleansing scrubs, and presoaked pads. In general, cleansing scrubs are not suited for acne-prone skin types. It is also available in a variety of strengths — the strongest of which require a doctor or dermatologist’s prescription. Speak to your doctor if you have chronic acne. If you just have one spot and generally do not experience dermatological issues, then a moderate salicylic acid is right for you. Begin with a 15% concentration if you just have the occasional spots. It might take a couple of weeks for your skin to get used to this acid. If after a couple of weeks, you don’t experience intense dry skin, you can move up to 20 or 25% mixtures. These will serve as your applicators. You don’t want to put the salicylic acid on with your finger as this will only introduce more bacteria to your already damaged skin. Alternatively, the salicylic acid may damage your fingers as well. Tissue paper can be used instead, but some people complain that their tissue doesn’t allow for targeted application. In general, you want to buy something made for deep pore cleansing. The salicylic acid will clean the surface of your skin and work on sloughing off dead skin cells on your skin’s surface (reducing the redness in the process), but it won’t clean into your pores. You are going to apply an acid to your face. This will cause its own kind of damage, most notably, it will dry your skin out. You’ll want to replace natural oils to your skin for a healthy glow. Make sure that you purchase a moisturizer that works for your skin. For example, if you normally have dry skin, you’ll want a heavy-duty moisturizer. If you normally have very oily skin, you’ll want a lighter moisturizer.
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One-sentence summary --
Buy some salicylic acid. Get some Q-tips and cotton pads. Find a medicated face wash. Purchase a light facial moisturizer.