According to the American Pet Product Manufacturers Association (APPMA) 2007-2008 National Pet Owners Survey, there are approximately 74.8 million owned dogs and roughly 88.3 million owned cats in the United States. We love our pets! They are full-fledged, four-legged family members to many of us; often times, they are the closest "family" we have! So shouldn't we take care of them as we do any other family member, or ourselves? Proper nutrition, exercise and, of course, insurance - pet insurance.
Pet health insurance has been available for nearly 20 years, and is now accessible in all 50 states and many countries outside the United States. Pet health insurance can help pay for routine preventive treatments - like vaccinations and dental cleanings, as well as unplanned or emergency care. After all, our beloved pets are naturally active, curious and often times "risk-takers", which can, unfortunately, result in injury or illness.
Just like people, our pets get sick. In fact, every year approximately 6 million dogs and cats are diagnosed with cancer in the United States, according to the American College of Veterinary Internal Medicine. Fortunately, there are an increasing number of treatment options available in veterinary medicine (including radiation and chemotherapy) to treat our pets. However, as veterinary medicine and technology advance, so does the expense. Veterinary costs have more than doubled in the past decade, and veterinary medicine is one of the few medical professions that is not financially based on insurance. Rather, pet owners are responsible for all veterinary costs, from preventive, to emergency and ongoing care.
This is why veterinary pet insurance is so important. When our pets are sick, we feel stressed and worried enough without the additional burden of wondering how we are going afford our pet's care.
Pet health insurance is available and affordable, and it can bring peace of mind to those who love their "furry family!"
Tuesday, June 30, 2009
Wednesday, June 24, 2009
Finding A Understanding On Your Panic Disorder with Panic Away by The Panic Attack Guy
Without reference to their mega star standing and larger-than-life personalities, the rich and famous are not proof against fears or having intense fear. By being as at the mercy of concern and anxiety as the rest of us, they exhibit how normal they can be. These stars have fears that hound millions of other non-celebrities. Orlando Bloom is frightened of pigs and Johnny Depp is fearful of clowns.Nicole Kidman is afraid of butterflies. It is often accompanied by hysteria, sweating, fast heart beat. Panic episodes are unexpected and unprovoked. It can even get worse into a weakening condition that pose a deadly result on an individual's family, work, and social life. An attack can happen at anytime and it can meddle with day by day activities. An untreated panic disorder can doubtless lead to drug use, depression and, in rare cases, even suicide.Panic disorders can develop in the teenage years or early adulthood. A panic episode isn't threatening, but it can be scary, principally as it creates a feeling of being 'out of control' on the part of the individual that suffers from it. Only an authorized specialist can diagnose a panic disorder. Occasional bouts with worry and moderate levels of foreboding are still considered standard. Most insurance plans and health management setups ( HMOs ) provide coverage that includes treatment for agitation disorders.To make treatment better, folk with panic disorders are advised to join a support group or endure sessions with a psychiatrist.Even something extremely simple as speaking to a trustworthy mate, a friend, or a church counsel can do wonders. Agitation management systems and meditation can help folks with such disorders. Reasonable exercise can also have some relaxing effect on an individual loaded with difficulties. If you, or somebody you know, is looking for a cure to finally eliminate the discomfort and nightmare of panic fits for good, then you must visit this site ASAP:The Panic Away Solution
Friday, June 19, 2009
Can You Go Without Dog Insurance? by Tom Houser
People say that no other pet in this world could ever replace the dog for man's best friend. For some, they even substitute dogs for their companion, rely on their pets on their daily activities, or would rather be with their dog than with their friends. Probably the best thing that an owner could give his pet is dog insurance because it helps ensure that no matter what will happen, your dog would have the best treatment it could have.In addition, it is best that in times of serious illness you can rely on a plan that would pay for all the bills and veterinary expenses than just cross the bridge when you get there. Don't you think it would be frustrating if your dog's bills were higher than yours were? So it is better that you would be prepared for unexpected circumstances and situations that might come up.From the time that it was available in the 1982, many pet owners love the idea of having dog insurance because it saves them from the worries of being unable to protect their beloved pets from many diseases and illnesses especially now that there are many pandemic diseases that affect both human and animals. In addition, such program would eventually save them from costly hospitals bills once their dog is admitted to the hospital by just paying a fixed monthly amount. Therefore, no matter what will happen, wherever you may go with your pet, you have the assurance that you can give it the best medical coverage it can get.Dog insurance works similar to most insurance that human enjoys. If you have a Blue Cross insurance for yourself or your family, you can also get one for your pet and enjoy discounts on grooming products, pet HMO, discount clubs and veterinarian services for just a fixed annual fee. Be sure to check on their terms and conditions before you get your pet once. Generally, dog insurance is very helpful in cases of catastrophic accident and severe illnesses without draining the owners financially.
Monday, June 15, 2009
Investing in the Housing Market Can Bring Large Returns with Proper Planning by Guy Morris
As with any smart investment, proper planning is the key to a successful property flip. Successful flipping is the process of buying property, renovating or updating and then quickly selling that piece of property for a profit.
The idea is to buy the property for the lowest price, spend the least money on the renovations to make the most impact on the selling price and then sell the property at the highest possible price for the largest profit margins. There are many costs involved in the process, but smart choices and advanced planning can make a huge difference.
Many considerations go into finding the right property to flip. Location and price are the first most important factors. You want to find a house that is in an appropriate neighborhood that you will be able to update it and sell it. Look for the cheapest or most in need property in the nicest neighborhood you can afford, then make sure you can afford the fees, insurance and renovation costs for this property and that the return will be worth it. Once these benchmarks have been established, move forward - to the next set of steps.
Once you've found your diamond in the rough, find a good inspector. An inspector can professionally determine what possibly hidden needs the property may have and also what the appropriate price for the property should be based on these repairs. This way, you may be able to reduce your purchase price. An independent appraisal will be also able to help you not only determine the value of the property you are interested in, but also the comparable properties in the neighborhood. Just be certain you account for the money you are spending up front here, and add this to the total of your investment.
After you have reached an acceptable price based on your inspection, appraisal and the seller has agreed, it is time to purchase the property. Again, closing costs on a mortgage must be accounted for here and a set time should be established for the renovations to take place, so that a specific number of mortgage payments are known ahead of time and planned for accordingly. This is just like any other kind of investing, remember, so the less money you put into paying for the house to stand empty, the more money you will make in profit upon resale.
At this point you begin to depend more on others, so finding reputable, competent and fast moving contractors and subcontractors will make the biggest difference for you at this point. Specific guidelines should be set for the time frame and quality of work to be performed and a contract with diminishing returns on late work may protect an investor from a disappearing contractor.
The idea is to buy the property for the lowest price, spend the least money on the renovations to make the most impact on the selling price and then sell the property at the highest possible price for the largest profit margins. There are many costs involved in the process, but smart choices and advanced planning can make a huge difference.
Many considerations go into finding the right property to flip. Location and price are the first most important factors. You want to find a house that is in an appropriate neighborhood that you will be able to update it and sell it. Look for the cheapest or most in need property in the nicest neighborhood you can afford, then make sure you can afford the fees, insurance and renovation costs for this property and that the return will be worth it. Once these benchmarks have been established, move forward - to the next set of steps.
Once you've found your diamond in the rough, find a good inspector. An inspector can professionally determine what possibly hidden needs the property may have and also what the appropriate price for the property should be based on these repairs. This way, you may be able to reduce your purchase price. An independent appraisal will be also able to help you not only determine the value of the property you are interested in, but also the comparable properties in the neighborhood. Just be certain you account for the money you are spending up front here, and add this to the total of your investment.
After you have reached an acceptable price based on your inspection, appraisal and the seller has agreed, it is time to purchase the property. Again, closing costs on a mortgage must be accounted for here and a set time should be established for the renovations to take place, so that a specific number of mortgage payments are known ahead of time and planned for accordingly. This is just like any other kind of investing, remember, so the less money you put into paying for the house to stand empty, the more money you will make in profit upon resale.
At this point you begin to depend more on others, so finding reputable, competent and fast moving contractors and subcontractors will make the biggest difference for you at this point. Specific guidelines should be set for the time frame and quality of work to be performed and a contract with diminishing returns on late work may protect an investor from a disappearing contractor.
Thursday, June 11, 2009
Pain Relief For Sciatica - Get Relief For Sciatica Now by Hugh Kent
Pain relief for sciatica is available in many forms, depending on whether you are looking for something short term or long term. The type of treatment you can get for sciatica also depends, tragically, on how much money you are willing to spend and on what type of health insurance coverage plan you have.Unfortunately, it is difficult to put a price tag on your health and on the quality of your life, especially for something that we all would like to take for granted: The ability to stand, sit, lie down, pick things up, play sports, work, and play, without experiencing debilitating and immobilizing pain in your lower back, hips, and legs.I know this from first hand experience, having been a victim of sciatica myself.Need to go in for expensive back surgery? Be prepared to cough up some dough for the procedure. Also be prepared for some downtime for recovery afterwards.Want to get acupuncture treatment? Be ready to cough up some dough for each visit to your chiropractor. Acupuncture treatments do not necessarily provide long-term results and might typically only yield short-term relief.Prescription-based muscle relaxants can cost you as well, not only in terms of the drain on your wallet but can cost you in terms of the unwanted side-effects they can have, such as causing drowsiness, dizziness, or nausea.So what can you do to find instant as well as long-term pain relief for sciatica?If money is a problem, then I would highly recommend trying out more cost-effective homeopathic solutions. Money was an issue for me, so I really had no choice: It was either to put up with the pain and the limitations it imposed on my life, or try to solve the problem on my own.The good news is that you can absolutely, positively cure sciatica permanently, using nothing but good old fashioned, natural home remedies. And it worked for me! I was able to create instant relief for myself within the first 24 hours of trying these out!All it takes is:- Stretching- Exercises- DietYes, you read correctly! There are certain foods that are conducive to curing sciatica. There are also certain foods that can aggravate sciatica and make it worse.If I were you, I would highly recommend that you try this solution out. What have you got to lose? Nothing. Try this out and you could experience instant pain relief for sciatica!
Sunday, June 7, 2009
Franklin Storage Facilities For Small Business and Entrepreneurs - Franklin by scott10016a
Franklin storage facilities have got further impetus in recent times with the Business Week magazine's article on the 'Top 50 Cities to start a Small Business'. Among all the cities in Tennessee, Franklin was ranked the best in terms of entrepreneurial climate which includes the education standard of the work force and the amount of investment in small businesses. This is going to make a lot of entrepreneurs look towards this city to set up small business ventures especially in light of the current recession.
A storage facility is one where you can store equipment and personal belongings in units of different dimensions and those that meet your specific requirements. These could range from temperature controlled units to water proof and sound proof ones. Most of these facilities are located centrally and offer 24 hour access throughout the week. And all the material that you would need for packing and even transporting your belongings can be purchased directly from the facility. This includes boxes, bubble wrap, tape, shelves, locks and even trucks and fork lifts.
While the basic premise of a storage facility is that you are in complete control of your unit, they also have managers and assistants around for support and advice. Often this becomes essential in case you want to store sensitive objects or if you are a first time user of the facility. These personnel are available for most of the week and help you pack and move your belongings if you request them.
The Franklin storage facilities also cater to a number of antiquity dealers who form a large percentage of the small business owners. Most of these dealers can be found in the heart of the city especially in the tourist and the historically significant areas. Now since a bulk of the merchandise cannot be stored within the antique store both for safety and preservation purposes, these dealers are frequent patrons of the Franklin storage amenities. The merchandise which can range from crockery to furniture and books needs to be stored in dust-free, well ventilated spaces. It is also important for the storage unit to be free from moisture and leakages as well as damaging chemical fumes. This is one of the main reasons why it might be easier to store a bulk of these objects in a high security, well maintained unit than within a store.
A number of these facilities accept deliveries on your behalf. This is especially useful if you are traveling frequently or are in the process of moving your business to a new location. And you needn't steel yourself in preparation for lengthy procedures and forms. All you need to do is make an appointment with one of the managers, select your space, and then sign the contract. Insurance is also an important part of self storage facilities. But if you want you can get an insurance policy from the storage facility itself, or issue one independently. While the former guarantees you additional services, the latter is cost effective. But it all depends on the type of objects you will be storing within your unit.
With the citizens of Franklin preferring to patronize the business of locally owned companies as well as those of young entrepreneurs, the work culture of the city is always something to look up to. New companies and stores are opening up every month and though there isn't much outright competition at the moment, they will eventually need to give space and logistics greater thought. And this is where Franklin storage facilities come in with their valuable services and amenities.
A storage facility is one where you can store equipment and personal belongings in units of different dimensions and those that meet your specific requirements. These could range from temperature controlled units to water proof and sound proof ones. Most of these facilities are located centrally and offer 24 hour access throughout the week. And all the material that you would need for packing and even transporting your belongings can be purchased directly from the facility. This includes boxes, bubble wrap, tape, shelves, locks and even trucks and fork lifts.
While the basic premise of a storage facility is that you are in complete control of your unit, they also have managers and assistants around for support and advice. Often this becomes essential in case you want to store sensitive objects or if you are a first time user of the facility. These personnel are available for most of the week and help you pack and move your belongings if you request them.
The Franklin storage facilities also cater to a number of antiquity dealers who form a large percentage of the small business owners. Most of these dealers can be found in the heart of the city especially in the tourist and the historically significant areas. Now since a bulk of the merchandise cannot be stored within the antique store both for safety and preservation purposes, these dealers are frequent patrons of the Franklin storage amenities. The merchandise which can range from crockery to furniture and books needs to be stored in dust-free, well ventilated spaces. It is also important for the storage unit to be free from moisture and leakages as well as damaging chemical fumes. This is one of the main reasons why it might be easier to store a bulk of these objects in a high security, well maintained unit than within a store.
A number of these facilities accept deliveries on your behalf. This is especially useful if you are traveling frequently or are in the process of moving your business to a new location. And you needn't steel yourself in preparation for lengthy procedures and forms. All you need to do is make an appointment with one of the managers, select your space, and then sign the contract. Insurance is also an important part of self storage facilities. But if you want you can get an insurance policy from the storage facility itself, or issue one independently. While the former guarantees you additional services, the latter is cost effective. But it all depends on the type of objects you will be storing within your unit.
With the citizens of Franklin preferring to patronize the business of locally owned companies as well as those of young entrepreneurs, the work culture of the city is always something to look up to. New companies and stores are opening up every month and though there isn't much outright competition at the moment, they will eventually need to give space and logistics greater thought. And this is where Franklin storage facilities come in with their valuable services and amenities.
Thursday, June 4, 2009
U.S. Labor Department announces release of $32.3 million to Idaho by PS
The U.S. Department of Labor has decided to release $$32,260,831 in the unemployment insurance modernization incentive funds to the state of Idaho. Idaho's approved application will be posted at the department's Employment and Training Administration Web site at http://www.doleta.gov/recovery . "Idaho has made important updates to its UI program to better meet the needs of the 21st century workforce," said Secretary of Labor Hilda L. Solis. "The UI modernization provisions adopted in Idaho help unemployed workers who have entered the workforce recently, work part time or need training to become re-employed receive the benefits they deserve." As for the usage of the funds to Idaho, the Idaho Department of Labor can use them to pay unemployment benefit. What's more, the funds can also be used to administer its unemployment insurance program or deliver employment services , if appropriated by the legislature. These funds are extremely important to those folks in Idaho. These one-time dollars give Idaho families the temporary assistance they need to help themselves through these challenging economic times." The Recovery Act made a total of $7 billion available in UI modernization incentive payments to states that include certain eligibility provisions in their UI programs. The states that can show that its law includes those provisions have the qualification to share some of the fund. In addition to Idaho, Connecticut, Minnesota and New Jersey have been certified by the Labor Department to receive their full shares of the funds. Hawaii, Illinois, Massachusetts, New Hampshire, New York, South Dakota, Vermont and Virginia have been certified to receive one-third of their shares.
Wednesday, June 3, 2009
Is Gold Really A Good Investment In 2009? by John
With all this talk about the price of gold increasing, and also the price of silver which hit 16.00 an ounce today. People are still left scratching their heads and have been asking each other whether it is a solid investment or not?
Gold got a significant endorsement today from one of the world's largest insurance companies, Northwestern Mutual Life Insurance Co., the third-largest life insurer in the United States, has bought gold for the first time in the company's 152-year history to hedge against continued declines in other asset classes.
The insurance giant has accumulated about $400 million in gold over the past several months. Northwestern Mutual Chief Executive Officer Edward Zore was quoted in Bloomberg saying, "Gold just seems to make sense; it's a store of value... The downside risk is limited, but the upside is large. We have stocks in our portfolio that lost 95 percent." Gold "is not going down to $90."
The move may prompt other insurance companies to follow suit. It makes sense for insurance companies to hold gold since gold is always an asset and can never be considered a liability.
Such a move is a sure bet that other big companies will slowly start moving into gold in the future as well.
Gold got a significant endorsement today from one of the world's largest insurance companies, Northwestern Mutual Life Insurance Co., the third-largest life insurer in the United States, has bought gold for the first time in the company's 152-year history to hedge against continued declines in other asset classes.
The insurance giant has accumulated about $400 million in gold over the past several months. Northwestern Mutual Chief Executive Officer Edward Zore was quoted in Bloomberg saying, "Gold just seems to make sense; it's a store of value... The downside risk is limited, but the upside is large. We have stocks in our portfolio that lost 95 percent." Gold "is not going down to $90."
The move may prompt other insurance companies to follow suit. It makes sense for insurance companies to hold gold since gold is always an asset and can never be considered a liability.
Such a move is a sure bet that other big companies will slowly start moving into gold in the future as well.
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