When spring rolls around our backyards come alive with birds, squirrels, rabbits, and other wildlife native to your area. They’re soon followed by their young offspring who they’re working tirelessly to feed and raise. Many a well-intentioned homeowner has stumbled upon a baby bird or squirrel in their yard and moved them in an attempt to rescue them. Unfortunately, this often does the animal more harm than good.

Whether you’ve just come across a lone baby animal in your yard or you want to be prepared for when it happens, this article will tell you everything you need to know to make the right decision.

Knowing when to interfere

The most important takeaway from this article is that just because a baby animal is alone does not mean they need your help. The parents of these animals have a hard job. They’re trying to feed and rear their offspring while modeling behavior that will help them eventually care for themselves.

If you take a baby bird or other animal from its home and attempt to care for it there are several things that could go wrong.

  1. It could die. We are not adept at raising baby animals who sometimes require very specific diets and feeding times that humans cannot provide for.
  2. It might become dependent upon you. This isn’t usually a good thing. Wild, undomesticated animals aren’t meant to be kept as pets. Furthermore they’ll develop trust of humans which can harm them later on.
  3. It will miss out on important lessons from its mother. Birds and other animals learn through imprinting. Without gaining this vital survival knowledge from its parents a baby animal won’t survive on its own for long.

When to help

There are certain instances when it is okay to interfere. Again, finding an animal alone is not sufficient cause for concern. Its mother might be away gathering food or is hiding nearby waiting for you to go away before it returns to its young.

If you happen upon a baby animal alone leave it be but keep an eye on the situation from afar. If several hours pass by and the baby is still alone it might be time to step in. Depending upon the animal, babies can be alone for a range of time per how often they need to feed or drink.

 

In some situations it is absolutely okay to step in. Some such scenarios include:

  • the animal is bleeding
  • the animal has an obvious broken limb
  • you find the animal’s parent dead nearby
  • the animal has been crying and wandering for hours
  • a featherless baby bird is on the ground alone for several minutes
  • your cat or dog brings the baby animal to you

How to help

Once you’ve determined that the baby animal is truly in need, it’s time to carefully tend to it. Put on gloves and gently place the animal into a safe, warm, and ventilated container.

Now that the animal is in a safe place, call your local animal hospital for further instruction. If they are closed, research a reputable website online that can tell you how to care for the specific species until the animal hospital opens the next day.

 

Tagged with:
 

There’s many different myths about buying a home that may have been presented to you as fact. All of these rumors could have you believing that being a home owner is a dream. Here, we’ll debunk some of the most common misconceptions about home buying and give you the tools to solve any issues that you may come across in the process of securing a home loan.

If You Don’t Have 20% To Put Down On A Home, You Can’t Buy

Many conventional loans do require a 20% down payment on a home. There’s also many different loans available that may suit your needs. From Federal Housing Administration loans to Veteran’s programs to down payment assistance programs, there’s many different things that can be done to help you buy a home. Keep in mind that any time you put less than 20% down, you’ll need to provide additional mortgage insurance, also known as PMI or private mortgage insurance.  

If Your Credit Score Is Terrible You’re Out Of Luck

If you want really good mortgage rates, having great credit is very important. If your credit score is low, your rates tend to be much higher. A really low credit score could keep you from getting a loan completely. FHA loans allow you to still qualify for a loan with a credit score as low as 580.

You Need To Make Bank To Get Money From The Bank

Monthly annual income is just one of the factors that’s considered when it comes to getting a loan to purchase a home. Your debts matter just as much if not more. People with significant credit card debt and other loans may be denied a home loan even if they have a substantial income. 

You’re In The Clear If You’re Pre-Qualified

Pre-qualification is much different than pre-approval. Pre-qualification involves giving your lender basic information about your finances in order to estimate how much of a loan you can get. This will give you a ballpark figure of about how much you’ll be able to borrow. Of course, this is very helpful in the home search process, but you’re not done. To get pre-approved, you’ll need a complete mortgage application in order to have your complete financial background check and credit rating.  

If You’ve Met One Real Estate Agent, You’ve Met Them All

This couldn’t be further from the truth. Your relationship with your real estate agent is going to be quite close. You’ll need to share somewhat personal information in order to secure a house you’ll love. Agents are involved in one of the biggest decisions that you’ll ever make. Each agent has his or her specialties and knows different neighborhoods better than others. Definitely go with a real estate agent that you feel comfortable with and knows their stuff.  

Closing Costs Aren’t Your Responsibility

Sometimes, sellers do pay the closing costs in the sale of a home. It all depends upon how the negotiations go with the home. You’ll need to be prepared for upfront costs in buying a home. These include a credit check, attorney fees and property insurance. As a buyer, you’ll be paying anywhere between 2 and 5 percent of the purchase price of the home.  

It’s important to be prepared and to stay informed in order to make sound financial decisions throughout the process of purchasing a home. Everything will be that much more exciting when you have all of the pertinent information that you’ll need.

Tagged with:
 
Set your Twitter account name in your settings to use the TwitterBar Section.