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There are many important factors to take into account prior to making any type of land or property purchase,and environmental pollution plays a major part. In the very worst scenario,environmental land pollution presents hazards,to users and or residents of the site. This is one of the reasons environmental risk reports are such an important part of due diligence for any land or property purchase.

Types of environmental contamination

There are several different kinds of environmental pollutants that can cause dangers to land users. Very often these are connected with previous industrial use of land,although this is not always the case as natural pollutants can also be a hazard.

There are many types of contaminants,these contaminants can include dust or gas pollutants that can be inhaled or contamination in soils which can be transmitted to foods grown on the land and any grazing animals,and can also impact on the health of anybody working the soil.

Other chemicals can also damage buildings or leach out of the soil due to effects of groundwater or any river,stream or pond in the area. Some of these contaminants are corrosive or could even cause fires or explosions.

Examples of contaminants include:

– Lead or other heavy metals such as cadmium or arsenic
– Tar and oil
– Asbestos
– Radioactive materials
– Chemical substances and solvents
– Gas

You can discover more about contaminated land on the UK government website.

What isthe definition ofcontaminated land?

If you want to find out more about contaminated land or read technical guides on managing special sites on the website run by the Environment Agency.

The legal definition of ‘contaminated land’ relates to land which contains substances which can cause:

– Very significant damage to property,people or protected species
– Harm due to radioactivity
– Pollution to surface waters,such as lakes or rivers,or groundwater

Some of the reasons for land contamination are when it has been previously used as:

– Factories
– For mining
– Steel milling
– Refining
– Landfill sites

Contaminated land may also fall into a ‘special sites’ category. These sites could:

– Cause serious effects to any drinking water,or surface or groundwater
– Previously have been used for activities such as oil refining or the manufacture of explosives
– Have previously been regulated under permits relating to integrated pollution controls or prevention
– Previously have been used for disposal of acid tars
– Have been used by the Ministry of Defence
– Previously been used in connection with the nuclear industry or be contaminated with radioactivity

What about brownfield sites?

Most recent Governments want to bring what’s termed brownfield land back into use in order to help preserve the greenfield sites and land within rural areas. This land regeneration often causes concerns,however. Most larger towns and cities contain areas and sites that are not in use and due to demand,development of these brownfield sites and derelict buildings are increasingly common.

In the past minimal regulations were in place to check on the re-use of brownfield sites or any potential environmental hazards thus presented. This is no longer the case,however, it has to be said most brownfield site developments are perfectly safe for residential purposes. But saying that,selling houses in these areas can present some conveyancing problems,though.

If you have any concerns about environmental contamination which could impact on your property purchase,give the experts at - a call to discuss your worries.

If you love the game of football,then you probably have one or two items from your favorite player and or team. There are many variations of “sports memorabilia”. Inevery collectible store that you go into,you will see racks of jerseys,autographed footballs,and signed portraits. Some you will find for a low price and then there are signed items that can cost a bit more. If you are an avid collector you are probably in search of the more high-end items that are signed and possibly one of a kind.

The top five autographed memorabilia items include three football players. Eli Manning comes in first,beating out his brother Peyton Manning and Tom Brady. The top five teams also include three football teams. Number two is the New York Giants,followed by the Dallas Cowboys and the Green Bay Packers.

You may not be surprised to learn that jerseys make up almost a quarter of autographed sports items.

- is great to add to any collection. There are many ways to protect your items as well such as frames,glass boxes and more. When you have spent a lot of moneyon an object,you want to be able to preserve it for as long as possible.

Watch Out For Fakes

It’s great that so much high-quality sports memorabilia exists,but it’s worth being cautious because there are many counterfeits in the sports memorabilia world. In fact,the FBI states that close to half of what you will find in the United States when it comes to autographed memorabilia is counterfeit. In some categories,the total for fake products could be as high as 90%!

If you are a huge football fan,you definitely have a huge market of items to choose from. Just remember,to be careful and verify that the item you are buying is the real deal.

Hair loss involves the shedding of hair from the body. Hair loss happens especially on the head of an individual affecting his or her scalp. Hair loss causes can be due to various factors including:

Hair loss causes can be due to various factors

1. Hair loss may be hereditary. Some individuals lose their hair due to genes that they have inherited from their families. Baldness may start to occur when the hairline of an individual starts to recede. Individuals may realize that hair loss is happening or will happen when they look into their family history.

2. Medical conditions can trigger loss of hair. Certain conditions that an individual may suffer can lead to severe hair loss such as trichotillomania. This is a condition that is characterized by the pulling of hair. It leads to a drastic loss of hair.

3. As an individual continues to age,hair is gradually lost. Most elderly people do not have a lot of hair. Aging comes with hair loss and it is normal. The older one gets,the balder he or she may become.

4. Hair loss causes can include hormonal changes within the body. During pregnancy,there are a lot of hormones that are produced in a woman’s body. These hormones may lead to hair loss. This may also occur during childbirth or even menopause.

5. Radiation therapy affects hair loss. This type of radiations that may be exposed to an individual’s head may end up affecting the growth of hair. This happens during the treatment of conditions such as cancer.

Hair loss may be permanent or temporary

Hair loss causes are very diverse in nature. Hair loss may be permanent or temporary. Certain conditions and treatments may lead to severe loss of an individual’s hair. Excessive hair loss can be very worrying to an individual. It can cause discomfort. For temporary hair loss,individuals should be aware that after some time the hair would grow back.

A brand new,18 story tower planned for Downtown Chicago,in a fancy area called Fulton Market,promises to bring a ton of new office space to an already bustling area. The tower,being planned near short-term rentals,would be backed and paid for by New York equity firm Thor Equities,and while many people are excited about the project,many who live in the area’s business apartments are concerned about the amount of traffic that would surely accompany it.

In addition to more office space,Thor Equities say that the 300 foot brick building would also feature more retail space,something that is already prevalent in the neighborhood too. Many familiar with downtown Chicago will recognize the location of the space,as it was most recently home of The Mid nightclub,which shut down last year.

While the developers have noted that no tenants have been finalized yet,there has been at least one interested party,the owner of a proposed Rascal-Flatts-themed restaurant. While the restaurant was talked about for a bit,the plan has been put on the back burner for now.

One thing many residents seem to agree on is the fact that the building,if it is indeed built in the proposed site,will crowd an already congested area of the city. Many people think that traffic would get worse,pedestrians would be less safe and that Chicago’s already-outdated sewer system will be impacted greatly. On the other hand,many see this is as proof that Chicago continues to rapidly grow. As more move to the city,they will keep looking for new places to live in,another reason why the housing market in the city is doing so well right now.

If the project is approved,the developers and investors are hoping to begin construction as early as this summer.

Did you know that your financial practice needs a proper branding and marketing strategy in order to prosper? That’s right. When you’ve devoted tons of effort to branding yourself,people will recognize you and your practice will thrive even in down markets,which is great for helping people better their financial future and building loyalty with them. You have to learn how to secure that you will get a return on your marketing spend with absolute certainty. Anyone who owns a financial practice should be able to use an effective plan for marketing.All rock-solid financial advisor marketing plans have common factors that are required to be successful,whoever you work with,and this article explains how.

Make It Clear: What Financial Niche Do You Serve?

The biggest part of your marketing effectiveness,bar none,is what’s unique about your financial services and what unique selling proposition you have to bring to your clients. Do you serve a broad variety of people in different industries? Or do you serve one specific type of client? Do you serve dentists? Doctors? What type of financial services do you provide?

You must incorporate it in your overall financial advisor marketing plan,once you know who & what you desire to serve. People know they’re working with the right financial advisor when they attain an effective financial plan that will work for their specific status.

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Whenever you put what your offers on paper,always be specific about what you are offering and how this will benefit the client. When you’re about to sign up the client,the documentation outlining your services should be signed by the client,and should be in a plain language.

Staying Ahead of the Times

Since various marketing methods change in effectiveness as society evolves towards different trends,you need to focus on long-lasting marketing assets that easily adapt to the industry,as your practice evolves and grows. A fresh way to get new clients for a financial consultancy is social media,which is fast and effective.You can create 20 direct messages on Facebook Messenger way quicker than you can make 20 phone calls. Don’t forget the process of “warming up” your cold prospects to build a relationship!

Growing Your Financial Client Base with Referrals from Existing Clients

You may like to get more business by asking your existing clients for referrals from them. You must be WORTHY of recommendations,in order to get referrals from your existing clients. While you may provide great services,proving it takes raising your credibility. That’s where branding comes into play,and there are marketing experts who know all about how to deploy long-lasting assets using personal branding for .You do not have to be working for a large financial business in order to make a name for yourself,and the results this advisor marketing consultant has generated for his clients,definitely prove this.

A Summary of the Best Financial Advisor Marketing

The most significant feature of financial planning is getting to know how one’s money will help take them to a certain point,and where they are heading to. You will realize the same is true of how you use your money in a marketing campaign: when you invest your money in marketing,how much will you get out of it in return? That’s one question that financial marketers who put together great plans will really go out of their way to resolve for you. Consult our recommended resources for . Start investing in marketing assets that will solidify your marketing message,help your clients understand what you do,and bring you R.O.I. forever.

There are some solutions you can obtain if you find yourself in a situation that you have a lot of debt and do not know what to do. One of the best options is that you can get a consolidation loan that will combine all of your bills into one loan and one low monthly payment. This will allow you to save money on interest and will also allow you to pay off your debt much quicker.

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Most people do not know it is possible to get a Debt Consolidation Loan and they are unaware that it can save them a lot of money over the long run. The first thing you want to do is to make a list of all your debt that you have and make sure you also list the interest rate that you are currently paying. Then you need to check with your bank and see what rates are available for a Consolidation Loan.

The benefits for getting a Debt Consolidation Loan is that you will only make one payment every month for all of your bills. All current credit card bills will be consolidated and this will help you because your new consolidation loan will be paid back at a lower interest rate than you are currently paying.

The worst thing you want to do is to just stop paying your credit cards and let your credit score go down. This will only hurt your situation and you will regret it in the long run. You will also have many bill collectors calling you and harassing you to pay what you owe.

This article covers the topic of the Environmental Phase 1 study. This is a vital part of any land acquisition process,as without it,a purchaser could easily end up with buying land that is either totally unsuitable for development,or which could cost a lot of money to be made safe to use. In some cases,it is also possible that the new owner could be pursued through the courts to make the land safe,even though they had nothing to do with the original pollution.

With this in mind,you’ll most definitely wish to discover find out more concerning Stage 1 evaluations.

Below,you’ll discover a quick introduction of these evaluations and what they entail.

Why Should You Have A Stage 1 Assessment Done?

As stated above,if you’re buying a residential or commercial property,you’re going to want to ensure that the land isn’t infected in any way.

Itis essential to be familiar with these concerns in advance. Getting rid of any pollution can be very expensive,which is why you’ll desire to understand about them when going into the purchase process.

Once you have had one of these surveys carried out,you will have a host of data,which will either mean that all is OK,or will allow you to decide not to continue with buying the land,or to obtain more details about any possible contamination before going any further.

When you’re making a significant acquisition such as this,you’ll desire to make certain you have as much info as possible.

What Is Investigated During This Phase 1 Process?

There are a number of areas checked out during this investigation procedure. These evaluations require quite a bit of time,the land being analyzed in its present state in some detail.

What Won’t Be Investigated?

Stage 1 research includes a visual assessment and an investigation of a property’s history. In the majority of instances,sampling and also screening will not be a part of the investigation.

If you have an interest in the results of an investigation like that,a Stage 2 investigation may be a far better choice for you.

If any kind of issues happen during the Stage 1 procedure,it will certainly be advised that you get a Stage 2 investigation. If there aren’t any kind of troubles with the land,you’ll have to decide if you would want to continue the investigation and obtain more information.

What Will Occur After A Site Is Evaluated?

After the analysis,the scientists that are investigating the property will provide you with a report that describes their conclusions. They might make specific recommendations in the report. If the report finds that there are no substantial issues,after that the procedure may end at that point.

It’s common} for researchers to present you with a printed copy of their report as well as their recommendations. You’ll be able to look at this report by yourself,an you’ll additionally be able to save a digital copy of the record in your personal records.

Since you have a clearer picture of ecological Stage 1 research and what it entails,you’ll be able to get ready for this procedure. You’ll be able to listen to recommendations when you get your report,and you’ll be able to decide on the best way forward.

If you would like to know more about contaminated land checks,please see https://www.argyllenvironmental.co.uk/

If you’re a cupcake lover from Downtown Chicago,Iowa or New York City,there’s a pretty good chance that you’ve heard of Molly’s Cupcakes,a successful chain with several locations in Chicago neighborhoods like River North and The Loop. As the cupcake shop has continued to see massive success year after year,the owners have had their eye on new locations to potentially open up new shops in and it looks like they’ve found a new home: Naperville.

Nestled in between short term rentals and other restaurants,Mollys Cupcakes in Naperville opened earlier this month to much fanfare and excitement. They made 1,000 cupcakes for the occasion,and they unsurprisingly sold every single one of them on day one. A line stretched down the blog,filled with residents looking to get a first chance to try Molly’s famous cupcakes,and the shop sold out within 3 hours.

Owner James Jacobson is pretty excited about how well-received the new shop has been so far,especially on the very first day.

“It was just an immediate rush that came in and we handled it well,and then it was two-and-a-half hours of a rush. We could have tripled what we had that day. It was amazing and we’re super excited about it. We wish we had more cupcakes for people yesterday.”

At the new Naperville location,Molly’s owners plan to serve a rotating cast of 14 center-filled cupcakes with two seasonal flavors every single day. What are the seasonal flavors right now,you ask? Tiramisu and German chocolate! After the big opening day,Jacobson aimed to have a larger supply to match demand in the new location.

“I can’t promise we won’t sell out,but we did a lot more cupcakes than we did on our opening,” Jacobson said.

Mollys Cupcakes,which has been around for about 10 years now,was inspired by a teacher named Molly who bought cupcakes in for her class when someone had a birthday. Since then,the business has blossomed into a full on success. Their focus is on creating delicious cupcakes completely from scratch,and with each new store that opens,they like to add new features and flavors along the way. Customers love the center of the cupcakes and are particularly fond of the sprinkle station.

The Zurich Axioms– The 4th Major Axiom: On Forecasts

By John Sage Melbourne
You remember back in 2012, when the world was going to end since some people thought the Mayans predicted it would?That forecast didn’t exercise too well.You can probably guess where I’m going with this. In case you aren’t, let me spell it out: forecasting and forecasts in investment are shifty.Forecasting worldwide of financial investments is precarious. Read: dangerous. Do not base your choices on human forecasts (unless you don’t mind losing money).Simply think about the property market crash in the U.S. in 2008.That’s why this fourth Zurich Axiom is so vital to your success.? Human behaviour can not be predictedKnow when to fold and take your profits without attempting another hand.? Distrust anyone who declares to understand the future
With the possible exception of the creators of the Simpsons, no one can merely predict the future. Human occasions can never be predicted precisely.The issue is that, if somebody makes enough forecasts, eventually one will land. And that’s what makes so-called economic prophets much more dangerous. If somebody’s happened to guess best about something, then they get a reliability that they have not actually earned.Even if a projection appears strong, odds are, it’s not. Instead of using forecasts, base your choices on strong research study and on your own observations and experiences. If you’re going to slip up, you need to actually make that call. Do not let some other guy screw you over with their guesses.

By John Sage Melbourne

The bulk of individuals think they’re economically stable.

Too lots of individuals have less than $1,000 in savings– one of lots of indicators that they are not,in reality,economically stable.

Developing true financial stability is the initial step on the ladder to becoming wealthy. Here are significant indications that you are economically stable.

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Your Savings Rate Is at Least 15%.

For a requirement,40- to 45-year career followed by 20 to thirty years of retirement,financial advisors generally recommend a 15 percent minimum savings rate for a protected retirement.

The crucial word there is “minimum.”.

If you desire to develop real wealth and possibly retire young,you require to be doubling,tripling,or quadrupling that savings rate.

You can be sure that individuals who build up a significant savings swimming pool in five years aren’t investing 85 percent of their income. They are living on a fraction of it and putting the rest towards new investment residential or commercial properties.

Start by attempting to survive on half your income and getting serious about your savings rate.

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ByJohnSageMelbourne
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