Q: The language in the letter should reference harsh legal action if the borrower does not pay what is owed. Make sure you include a date that the borrower must pay to avoid legal action and loss of collateral if it is a secured note. Default of payments on debts by a secured note requires the borrower to forfeit the items in lieu of payment. You may need to go to court to collect on the loan or the collateral if it is not paid by the due date. If you are owed a modest sum, such as $5,000 or less, then this is an inexpensive option. You will have a better chance of receiving some of the funds owed on an unsecured note without having to pay high court and attorney fees.
A: Write demand letters if the note is not paid by the due date. Demand the collateral if a secured note is not paid. Take the borrower to small claims court.

Q: If you suspect that your dog has mange, the first thing you should do is take him to the veterinarian. Treatments vary for the different types of mange and some medications can be toxic, so it is best to obtain an accurate diagnosis from a veterinarian who can advise you on the right course of treatment. The process for diagnosing mange will vary from case to case. In some instances, the vet will be able to take a skin scraping from the affected area and analyze it under the microscope to look for mites or eggs. In situations where the mites are buried within the dog's skin -- such as in demodectic pododermatitis -- the vet may have to perform a deep biopsy to confirm the presence of mange. The vet will also perform a physical exam and take your pet's general health and history into account when making a diagnosis. Demodectic mange is characterized by thinning patches of hair that can scab over. They can be localized in one area or spread throughout the body. Demodectic mange is not contagious and cannot be transferred to humans. Demodectic mange -- also known as demodex or "red mange" -- is caused by mites that are transferred from mother to puppy during the first few days of life. These mites are present in all dogs and usually won't cause any problems. Mange occurs when mite populations proliferate in dogs with underdeveloped immune systems -- like puppies under the age of 18 months, older dogs and dogs with compromised immune systems. When the mites are concentrated in one or two isolated patches on the skin, this is known as localized demodectic mange, which presents as bald scaly patches, usually on the dog's face. Localized demodectic mange is most common in puppies and will usually clear up on its own with no need for treatment. When the mange is present in large patches or all over the dog's body, this is known as generalized demodectic mange. This type of mange produces bald, scaly patches of skin, which can be very itchy. When the dog scratches, sores can form which are susceptible to unpleasant-smelling bacterial infections. Generalized demodectic mange is most common in dogs with compromised immune systems and will require treatment. The most resistant form of demodectic mange is known as demodectic pododermatitis, which occurs only in the feet and is accompanied by bacterial infection. This type of mange is difficult to diagnose and treat. Sarcoptic mange symptoms are similar to those of a flea infestation, and involve excessive biting and scratching at the skin, thinning of the hair and hair loss and open sores. Sarcoptic mange -- also known as canine scabies -- is caused by microscopic mites that are easily transferred from host to host, including humans (where it causes a red bumpy rash, similar to mosquito bites). In dogs, symptoms of sarcoptic mange usually develop about one week following exposure. The dog may become restless and start scratching frantically, before scaly, bald patches start appearing on its face, elbows, ears and legs. If the mange is not treated immediately, it may spread all over the dog's body and become more resistant to treatment. Cheyletiella mange is caused by large, white mites which live on the surface of the skin and is characterized by a red bumpy rash and scaly, flaky skin in the hair along the dog's neck and spine. This type of mange is also known as "walking dandruff." The mites themselves that look like flakes of dandruff, so the "walking dandruff" is the mites moving around. Cheyletiella mange is highly contagious to other dogs (especially puppies) and can cause intense itching (although sometimes itching is completely absent). It is usually passed from puppy to puppy as a result of mite infestations in straw and animal bedding in pet shops and kennels. Cheyletiella mange can also be passed on to humans, causing an itchy, bumpy red rash on the arms, trunk and buttocks. However, the symptoms should disappear once the puppy has been treated, as the mites can't survive without a host for more than 10 days. However, as the use of straw in animal bedding is becoming less common and the use of flea-control preparations had risen, instances of cheyletiella mange are becoming less and less frequent.
A: Bring your dog to the vet. Look for symptoms of demodectic mange. Look for symptoms of sarcoptic mange. Look for symptoms of cheyletiella mange.

Q: Calla lilies will grow multiple leaves and flower stems from one bulb. If you're planting 1 bulb in a pot, use a 56in (1315cm) deep pot. If you're planting 2 or 3 bulbs in the same pot, use a pot that is around 8in (20cm) deep. Calla lilies can be a bit picky about their temperature. Their ideal growing conditions are between 55F (13C) and 75F (24C). If your home gets hotter than 75F (24C), you can use mulch in the pot to keep it cooler. Spread a thin layer of mulch such as wood chips, sawdust, straw clippings, or pebbles on the top of your soil if needed. Be sure to keep your lily away from air conditioning and heating vents. Calla lilies need plenty of bright light during non-peak hours of the day. Too much midday sun can scorch their leaves. A window facing east or west is best for your indoor lily because your lily will get either the morning or afternoon sun while still giving it some time in the shade to cool down. The east or west side of your home will work best as an area if you're planting your lily outside. Danger of frost ends at various times for different regions, but you want to make sure whenever you plant your bulbs outside is after this time. As the first day of spring in your region approaches, pay attention to the frost levels in the mornings. If they are decreasing, your almost ready to plant. Well-draining soil dries easily after rain. Don't plant your lilies in a low spot in your garden, nor a place that holds puddles of water for more than 15 minutes after watering. If the soil is sandy where you live, you can add fertilizer to the soil to help your lily grow. For clay soils, mix in at least half potting soil to the area where you're planting your lily. Calla lilies grow naturally near the edges of ponds, so they like moist soil. Don't allow your lily's soil to dry out completely, but take care not to over-water it, either. Soggy soil will cause the bulbs to rot. Start with a bit of water and allow that to soak in. Check on your plant each day to see if the top is starting to dry; if so, add more water.
A:
Choose a pot that is 58in (1320cm) deep for indoor lilies. Keep indoor lilies in a room that stays between 55 and 75F (13 and 24C). Place lilies in a spot that gets 6 hours of non-midday sun per day. Plant bulbs outside after the danger of frost has passed. Provide well-draining soil for your bulbs. Water your plant so the soil is always moist but not soggy.