Finding the Best Insurance for Your Pet

We all want our pets to remain as healthy as possible as they are a major part of our lives. Unfortunately, in order to achieve this, we have to make regular visits to the local vet and this has become more and more expensive over recent years. To help us all meet these ongoing bills, pet insurance has got to be a major consideration. However, like all purchases nowadays, it can be very challenging finding the best cover for your particular pets’ needs.

Fortunately, we can do most of our research online now and we are able to find lots of testimonials from people who are relating their experience about all sorts of subjects. All of the larger insurance companies now have their own dedicated websites where we can review all of the services they are offering and to identify which one suits our individual needs.

Below are Some excellent references discussing the relative merits of pet insurance and addressing some key questions to be considered by anyone who owns a pet;

Pet insurance: Is it truly worth it? | FOX CT
http://foxct.com/
Homeowners insurance and pet insurance can both be affected by owning a dog that is considered ‘dangerous’. Many see this as discriminatory practice, but with up to a third of liability claims against homeowners caused by …

Shopping for Pet Insurance, a vet’s view – The Seattle Times
http://blogs.seattletimes.com/politicsnorthwest/
Dr. Jerald Gemar, a retired vet who chairs the Washington State Veterinary Medical Association’s finance and insurance committees, answers questions about pet insurance in the second of a four part series. Question: How …

Should You Buy Pet Insurance? – MintLife Blog
http://www.mint.com/blog

As with all purchases online, exercise your due diligence and ensure that the company you are considering is registered and fully legitimate and has excellent reviews on their website from previous customers.

dog-624952_640If you’re not sure where to start when looking for pet insurance, pet forums are an excellent source of information on all matters relating to animals and many people there are more than happy to offer advice based on their own experiences. Here you will find many recommendations for pet insurance companies, including which ones to avoid based on an individual’s experience.

Once we have a clear idea of which company we want to potentially use, it is best to first check out what they are offering online in terms of degree of cover and premiums ask to get an overall idea of what each you will receive for the money that you pay. Fortunately, most companies will offer a telephone helpline where you can discuss your individual needs in greater detail. You may have a pet with particular issues that need to be covered or you may have particular concerns for the future health and well-being of your pet and require a policy that is tailored more specifically for your situation. Speaking to a real person over the telephone line is something that would be a necessity in these cases.

Watch this video comparing different insurance companies –

Pet Health Insurance Comparison - MyVNN.comPet Health Insurance Comparison – MyVNN.com
The Veterinary News Network did a direct comparison of one test case using four popular insurance companies.

 

Below is a useful article about the relative merits of having pet insurance and discusses the reasoning behind why we would choose to spend that little bit extra on our beloved pets;

Pet insurance gives peace of mind, owners say – Utah Local …
http://www.sltrib.com/
“I think it’s heartbreaking to put an animal to sleep because of a financial decision,” she said. “[Pet insurance] allows pet owners to make medical decisions based on what they want instead of what they can afford. For those …

If you do have a pet with previous conditions, these need to be declared upfront as they may require extra premiums to be paid to take out cover with the company. Again, speaking to an individual from the company will help clarify this for you.

Another point that many people forget is, like car insurance, there is often an excess to be paid when it claims being made and social you should be fully aware of what your liabilities are before you sign on the dotted line and be clear about how much money you will have to pay in the event of your pet needing help.

The following article discusses the advantages and disadvantages of pet insurance and prompts some important factors to consider for anyone wishing to gain adequate cover for any potential medical costs for their pet;

Buying The Best Pet Insurance
Barbara R. Giles

By reading some of the articles referred to on this page, you will soon get a clear idea of what your options are when taking out your pet insurance. Dedicate a good amount of time for this process as it’s not something you want to rush into. Exercise the same degree of care attention that you would for your own family health cover and in so doing you should be able to find the right cover, from the right company to suit your pets requirements.

 

Be in Control with a Financial Budget

In these economically challenging times, we all need to keep on top our finances is an in order to do this effectively we should all be creating an effective financial budget.

Most people carry on day by day going to work, paying the bills, doing the shopping and hoping that at the end of the month they will have enough money left over before the next pay cheque is due. Going about life in this way means that we just can’t plan ahead effectively nor can we safely provide ourselves with those little extra treats not knowing if we’ll have enough money left over to pay the bills.

By following a simple plan and investing a little time in the process, we can soon become more fully aware of our financial situation and in doing so, take back more control of our lives and reduce the fear of lack and need.

The financial budget, put very simply, is a list of our expenses, i.e. the money that is going out, and the money that is coming in. Because we have very little control over the financial demands that are faced by all individuals and households just to keep going, by taking back greater control of our spending then we can more accurately determine what or precise financial situation is so that we can respond to additional financial needs as and when they arise.

Below is a link to an excellent free guide that will explain the process of personal budgets in more depth;

The Only Budgeting Book You’ll Ever Need: How to Save Money and Manage Your …
Tere Stouffer, published 2012, 240 pages

It is very simple to write down each day how much money we have spent. We can also write down all of our ongoing monthly expenditures and with this information we can see very quickly where all our money is going and in doing so, identify any areas where where wasting money or where we could be spending the money more effectively.

apple-589640_640Anyone that has a computer immediately has access to free software to produce a very simple spreadsheet. The Open Office software is probably the most popular and with this we can then accurately itemise all of our outgoings and income. Of course, we can still do this on a piece of paper, but the use of a spreadsheet allows us to see the immediate result on our total financial situation when small changes are made.

Since the introduction of the smart phone, there are now a good range of apps that can be used to assist with organizing personal budgets;

Top 10 Personal Budget Apps For Everyone
from Aliyahadora

The best way to structure our financial analysis is to break down our expenses into key categories. Most people would identify the categories of; household services, food & drink, car costs, children and family entertainment. Again, this will vary for each individual but these are certainly expenses that the vast majority of families can relate to.

This document provides useful formatted budgeting sheets that anyone can use for creating their personal budget assessment –

<strong>Budget</strong> WeeklyBudget Weekly

 

When looking at past expenditure figures, it is very useful to start with bank and credit card statements where you can clearly identify all the major expenditures and any one-off payments you have made over the past few months. Items such as; birthday gifts, auto expenses and Christmas all need to be taken into account when identifying the yearly expenditure.

This video covers many of the categories that you need to consider when creating your personal budget;

Some payments, we only make on a quarterly or six monthly basis and so it is important to go through a whole years past expenditure to clearly identify where we have spent money.

Once we have completed this very simple exercise, we will have a very clear understanding of what our expenditure have been for the whole year. Now we can compare this against our annual income figure and often be quite surprised in the process! If you discover that your expenditure far outweighs your income, you are now in an excellent position to clearly recognise why you have spent more than you have brought in. Are you living within your means? Have you spent too much on extras? Are you spending money in effectively? All of these questions can be answered with the data that is now presented before you and you’re in great position of power to rectify the situation.

The outcome of this exercise may be that you have to cut back on your expenditure or it could be that you need to earn a little bit extra money. It could equally be that you need to invest your money more wisely or you may need to reduce your debt or credit payments more effectively so that you’re not wasting money in the process. The most important outcome is that you now know exactly what your financial situation is and you can see quite clearly what you have to do in order to balance the books.

So gain greater financial freedom today and start producing a financial budget. You will feel empowered and relieved that you now know exactly what it is that you need to do in order to maintain a healthy and balanced financial situation and as a consequence of this, enjoy life more fully.

 

Simple House Selling Strategies

New Year's Day sale

In the 21st century, more people are moving home more frequently than ever before in our history. Gone are the days when families would stay in the same home for generations where local communities grew and evolved together. Homes were passed from generation to generation and there was an ongoing continuity. Nowadays, people and families move very frequently for a whole range of diverse reasons, sometimes financial considerations and sometimes social ones.

The fact is that selling a property can be considered an art in itself and it is vitally important to present your property in the most appealing light. This way, the property will sell much more quickly and the price that it can attract will be significantly higher.

First impressions are always very, very important and this is especially true for anyone viewing a new potential home. The property needs to appear to be well looked after, cared for and in excellent repair. The problem is that for many people, the visual aspect of their home is something that they have become so familiar with that they can’t see the defects. The marks, the scuffs, the little areas that needed tending to are just not seen and recognized by the brain. They tend to blend into the background and become the norm. For some of these defects, it can even just be an issue of laziness, that is, something you’ve been meaning to get round to fixing for a long time but never achieved it. Regardless of the cause, it is essential that your home is being presented at its most attractive as everything that is in and around your home will be seen in a completely new light by a prospective buyer.

real-estate-156502_640A good way of addressing the above concern is to have someone come and look at the property who has never seen it before and will view it with fresh eyes prior to it being put on the market. This way you can address all of the basic, fundamental issues that need to be addressed, and can be addressed very easily so as to make your property look at its best. Potential buyers come with great expectations, hoping to find their ideal property. Unfortunately, some very minor defects can completely destroy that image very quickly and put the potential buyer in a much less favorable mindset. This can be disastrous for the seller as it will leave them with less bargaining power when you come to negotiating the final price.

These concentrations of the visual aspects of the property apply not only to the inside of your home but also to the surrounding area. The first thing that a potential buyer will see will be the scene that they are presented with when sitting in their car having just pulled up outside your house. If your property is surrounded by clutter, waste, overgrown gardens, shabby paintwork, or any other unpleasant sight, they will enter into your property having already been influenced by that visual scene. All of these points can be addressed very, very easily and will have a huge impact on anyone coming to look at your property. Take the time to address these issues and to remove any possibility of you losing a sale on these minor points.

This book offers a wealth of information about what to consider when selling your house;

House Selling For Dummies
Eric Tyson, Ray Brown, published 2011, 384 pages

…and here is another one that will offer further insights into the whole process Which although has been around for a while, is still very relevant today;

Buying and Selling Your House
Adam Walker, published 2004, 324 pages

When selling your home it is also your legal responsibility to inform any potential buyers of any ongoing repairs that need to be completed. Sometimes these issues can’t be seen, like with damaged piping, leaking roofs, damaged services, etc but ‘out of sight’ is not ‘out of mind’ and if you do not come clean about these issues then they may well come back and bite you at a later date when it is discovered that you weren’t upfront about such defects.

When all of these points have been addressed it is then very important to find a selling agent that will work for you and in your best interests. A reputable and effective agent is worth their weight in gold if they know what they’re doing. They are the people who will draw potential buyers into your home, and in many cases they can perform the selling operation for you. They can describe and sell your property in the best light possible and so it is vital that they are efficient and effective and experienced. Ideally, they need to be local people who can relate not only to your home, but also to the surrounding area and advise and recommend the benefits of the area to potential buyers.

Read reviews and testimonials of past customers of the selling agents and speak to a few to get a feel of who they are and what they’re like before you employ the services. You need to be able to work with these people and for them to work with you and you will soon discover the right agent for you.

Below is a brief presentation covering some of the key points to consider when selling a home;

Best <strong>tips</strong> of <strong>selling</strong> a <strong>house</strong> fastBest tips of selling a house fast
Every single Realtor & Buyer that calls should be followed up with. Keeping sloppy records means potentially losing a sale or getting another listing. Be organized, diligent, kind, and smart at all times. Ask the person when they would like a follow up call. You might have to lower the listing price and this may be of interest to a Buyer who approached you 30 days before. Let them know. is this the price range you were looking for? (This is non-specific) If so, what are your conditions for purchase?

 One minor, but significant consideration is the aroma that visitors to your house experience when they first walk through the door. The old trick of roasting some coffee or the smell of freshly baked bread still works wonders and gives the impression of homeliness and comfort. What is most important is that you do not present potential buyers with an unpleasant smell, and this can include the smell of animals. If you have cats or dogs in your home is important that you do not allow that to become the dominant smell for new visitors as for some people it can be very offputting. Again, asking someone who’s never been in your home before to see what they smell is a good way of assessing the true aroma of your home. This is where you’re selling agent can help you.

Here is an excellent video about how to optimize your home for selling;

If you follow this very simple advice, you will be ensuring that your home will be as pleasant as possible to any potential buyer. Spend a little money and a little time on finishing jobs that need to be done to make your home as attractive as possible and this will reap many benefits when people come to your home with the intention of trying to see themselves living there. Often, the simple things can make all the difference and it could be the difference between you selling your home easily or struggling and having to reduce the price just to make a sale.