Having a Pet Insurance Plan Will Make Life Easier Down The Road

Imagine you have just bought a puppy. After you’ve trained it to learn a few simple tricks, guided it through house training, and really integrated it into your life, how would you feel if you came back from work and found him hurt or very ill?

Let’s say you found out that he ate something unsuitable and needed a visit to the vet, but the bill would be outrageous. Would you look at your puppy, decide to keep the money and just leave it to face the consequences of not receiving any medical care? Even though it sounds outlandish, this is a sadly common and possible scenario when you choose to have a pet without insurance.

To avoid a case like the one described above, it is always advisable to have a health plan  – pet insurance plans can provide protection for your dog or cat, and peace of mind for you.

1. A pet insurance plan gives you assurance

Disasters strike at the most unexpected of times. Your pet may need help from a specialist or a vet when you don’t have the money set aside. Fixing them up may plunge you into debt or take money from another essential need. In fact, it may not even be possible to pay for your pet’s needs with your savings. A pet insurance plan relieves you from such complicated situations since it requires just a simple and relatively small payment once a month to get the coverage you need when disaster hits.

2.Pets can easily get injured

Puppies and kittens, especially, are extremely playful and curious; at times they can even get themselves into dangerous situations. This behavior can quickly cause injuries. Mature pets are not an exception either, and they have more health-related problems to take care of. If your pet is a problem animal, like many small dogs can end up becoming, you may even find that your pet starts fights with other, bigger dogs. Each of these problems is a potential for major cash expenditures when you don’t have an insurance plan.

3. It makes pet care an easy line item in your budget

You can choose when you wish to be making payments for the insurance. You can choose monthly, quarterly, or even semi-annually payments to simplify your expenditures. It helps you plan your finances and turns something that can be an unpredictable problem into a very simple expense that you add into your budget.

4. It eliminates tough decisions about your pet’s health

Making tough decisions when it comes to your pet’s health can be difficult. Not having the money to pay for a major surgery that can save your pet’s limb or even its life is something that you don’t want to experience. Having pet insurance to take care of simple problems like this can really go a long way to making you feel better about owning a pet, and will let you enjoy your time with your new dog or cat.

Don’t make the easy, ‘cheap’ choice and forego pet insurance. There is a chance that you may save money by not having it, but you’re also gambling with the life of your pet. If you’re still undecided, here’s a take on the need for pet insurance from a vet.

Life investments that will bring value to your finances

Making investments is not an easy matter. There is a lot of careful consideration that needs to be done in order to make sure that you make the right decision. It is important to give a lot of thought to things that you will be investing in to, for the whole of your life or at least a significant chunk of it.

Life insurance

There are many people who do not like the idea of life insurance, but if it is carefully chosen it can be very valuable. It can add a great deal of money to your estate when you die and make sure that your loves ones are financially looked after. It is even possible to tie it up in a trust fund to help to protect it against inheritance tax. It can give peace of mind to know that your loved ones are looked after when you die and life insurance can be a good way to do this.

Property

Investing in property can be a good way to improve your finances when you are alive as well as giving you something valuable to leave behind. Once you have paid off your mortgage, you will no longer have to pay anything for where you live. This means that you will save a lot of money in rent. You may make improvements to the property which will increase the value. You may decide to downsize when your family leaves home and get some of the money out that is tied up. Otherwise you will have a significant item for your children to inherit.

Pension

A pension can help to care for you and a spouse during retirement, which is extremely important. Many people retire and find that they are a lot worse off which means that they cannot properly enjoy the free time that they have. By having a pension you have a source of income. This will take a big commitment with monthly investment over a long number of years but it will really pay off in the long term.

Shares

Investing in shares is something that needs to be done over the long term. Many people worry about the stock market. However, if you regularly buy shares then you can take advantage of the low prices by getting more shares for your money. Then as the value increases of the stock that you hold, then your investment will increase in value. You will have a lump sum that you can cash in to help for retirement or something that you can leave to your loved ones.

Should You Attempt Your Own Car Repairs?

Repairing your own car is something that many people do not even consider. They automatically take the car in to the garage for a repair when it needs doing and do not think about attempting it themselves. However, there are a lot of good reasons why it might be a good idea to do your own car repairs. You will save money of the labour cost, you will have the satisfaction of knowing you did the work, you may save time and it will be more convenient.

Cost

The labour cost of the car repair can be really high. If your vehicle needs a lot of repairs, then you can find yourself struggling to manage to afford it. You may even find that you are resorting to payday loans or other forms of credit in order to pay for it. This could end up with you being in greater financial trouble. If you do the repair yourself, you will still have to pay out for the parts, but it could save a lot of money on labour.

Job Satisfaction

It can be extremely satisfying to repair your own car. You could feel really proud of yourself for being able to get that job done. Learning the skills to repair a car can be extremely useful and so they can be used for all future vehicles that you have. It can be great to be able to tell people that you repair your own vehicle.

Time

It can take longer for a car to be repaired in a garage than if you do it yourself. It can be sitting in a long queue at a garage whereas you may be able to get on with the repair straight away. You may have to learn how to do it, perhaps using a manual or an online video, but this will not take you long. You may also be slower at doing the repair, but you may still get the vehicle finished more quickly. Again, this is because you may have to wait for others to be done first.

Convenience

It can be much easier for you to do a repair yourself than to have to get the vehicle to a garage to get them to do one. If it cannot be driven, then you may need to pay for it to be towed. Then you will have to find a way to get to the garage to pick it up, which may mean asking friends or family to give you a lift or perhaps paying for public transport. This can be extremely inconvenient.

The In’s and Out’s of Family Insurance

It is a question that always gives families pause for concern, as there is never really a right time or a wrong time.

When is a good time to buy insurance?

You may think you don’t need health insurance if you are young and strong, with no known medical problems. Should you get it anyway?

This is only one of the questions facing people as they navigate a complicated insurance maze. Here are some other tips to think about when deciding whether or not to buy insurance.

1. Always Think About Life

If you have reached adult age and are no longer on your parents’ policy, you should think about life insurance of your own. However, single people without dependents may want to hold off. Once you get married, settle down and start thinking about children, that is the perfect time to consider life insurance.

How much life insurance you buy depends on how much you make. If you have arrived at a job where you know you will have a guaranteed salary that goes higher, then you will need to buy a policy that has roughly 20 times the value of a year’s salary. So if you make $100,000 a year, carry a policy worth two million dollars.

Likewise, if you have reached retirement age and do not have any need for assistance – let’s say you either hit the lottery or you invested wisely enough to live comfortably for the rest of your days – then having a life insurance policy would be redundant. Should you pass away, your money, should you choose, will go to your beneficiaries.

2. There’s No Place Like Home

Having a home policy is an important part of owning your own house. You need to insure against terrible acts such as fire, earthquake or tornado affecting your property and tearing it to shreds. However, think about what you need in terms of home insurance. If you have an option built into your mortgage payment where part of your payment goes to taxes and insurance, then you do not need to go any further.

If you have important valuables in your house, check with your company to see if they are covered underneath that policy. If not, then you may want to think about a little extra payment to cover those, or even a small separate policy should take care of the valuables. It is best to play things safe.

3. You Can Drive My Car

Most states require you to have auto insurance before you purchase a car. For items such as deductibles in personal injury and property damage, calculate a deductible you will be able to pay should an accident be your fault and then buy your insurance at that rate. Do not go for just minimum coverage. Buy enough to cover the cost of a car.

Your insurance provider will be truthful to you about what is and is not necessary to purchase for the type of car you own. Check with a company like 21st for a selection of insurance policies at affordable rates.

4. To Your Health

The Affordable Care Act is meant to make sure everyone has some form of health insurance, in order to make rates go down. A potential problem exists here, however. The Internal Revenue Service can force you to pay a penalty if you do not have health insurance. That penalty, even in later years, will be much less than the cost of a health policy.

Many people may choose to simply pay the penalty instead of buying insurance, simply because it is much less expensive. This means, although it wasn’t the government’s intent, it may be in your interest not to buy health insurance if you don’t work for a company that offers it. Time will tell if rates come down or this mandate will be adjusted, but for now it is a viable idea.

Tips like these should help you save money or spend it where you need to do so wisely.

It is the perfect way to insure a good future.

Canceling an Account: Reminds me of this One Time Years Ago

Remember when we all had dial up and very few had anything above that because it either was available in the area or it was too damn expensive for someone, like myself, to afford? Well the other day I was trying to cancel an account and yet the company blocked me every possible way you could think of but via emails. It was so annoying to have to go back in email CANCEL MY ACCOUNT just to have them email me back a few days later with WHY DO YOU WANT TO CANCEL? I mean I explained in my first reply that this is simply me working on some budget cuts in preparation of 2012. When I first had chosen to cancel, it wasn’t due to their service but honestly after these emails I have to say it’s due to their ignorance of listening to my words CANCEL MY ACCOUNT.

You see this situation created a memory that came to life in my head, it involved an old Dial Up Internet service provider company and myself trying to cancel their service before their “paid” period began. I was good at taking part of these 30 day trials for Dial Up then canceling, see I was a single mom back then and needed to cut costs wherever I could, this was one cost I was able to keep extremely low or free for a long period of time.

The problem was when I had to get on the phone with this company, they would do everything in their power to talk in circles and try to get you to, unwittingly, agree to a paid plan yet think you are getting something for free. If they were not able to talk you into an extremely low rate they would offer to extend your trial period, which of course I almost always agreed to until finally they just wouldn’t take CANCEL MY ACCOUNT as an answer when I switched to a completely different company that I loved so much more.

I seriously spent many hours and many days calling this company and my bank to remove all charges they put on my account. I had to do this through phone not email so it was faster but still time consuming. I spent so many endless hours on hold and talking to various reps that I really learned my lesson of trying something for free. There really is no such thing as FREE service because in the end you pay for it one way or another; whether through time or aggravation.

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