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Poor Credit Report Effects Auto and Home Insurance 1. If your car is stolen, vandalized or damaged by hail, wind, fire or flood are you covered? These types of damage are covered by comprehensive and collision coverage. If you purchase comprehensive and collision insurance when you get your policy, you are covered. You are required to purchase these if you’re leasing or financing your vehicle. If your car is paid for then you are not required to carry it. 2. I’m automatically covered... Read Full Story

Retire at 30? One of the big expenses that early retirees need to concern themselves with is health insurance. Most people time their retirement to coincide with Medicare eligibility at the age of 65. Early retirees have to consider other options until Medicare begins. Consolidated Omnibus Budget Reconciliation Act (COBRA), which passed by Congress in 1986, provides healthcare coverage for retired employees, spouses, former spouses and dependent children for 18 months. The cost is less... Read Full Story

Cropped Ears Cruel Certain breeds are more at risk of getting ear infections. Dogs that have long, hanging ears and dogs that have a lot of hair in their ear canals are more prone to infections. Additionally any breed of dog that has allergic skin disease is also prone to ear infections. Owners of the following breeds need to pay close attention to their pet’s ears and make sure they clean them on a regular basis. Here are the breeds that are most prone to ear infections: American... Read Full Story

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Debt Reduction Counseling and Credit Rating Debt reduction is something we may have to face at some time in our lives. Some people may have overspent and others may have had a period of unemployment or underemployment that caused them to over extend on their credit cards. Medical expenses have also caused people to incur more debt that they can handle. If you are in the situation where you need to reduce debt here are the basic option available otherwise known as debt solutions. Debt... Read Full Story

Persian Cat Digestive Problems http://naturesway4pets.com/main/wp-admin/post.php?post=1323&action=edit&message=1 Persian cats like the royalty they are frequently compared to tend to beselective when it comes to their cuisine. Vets say this is because their digestive tract is quite sensitive. Most Persian’s want food that tastes good to them which means you will be looking at canned food and not the dry variety. Protein is an integral part of a Persian cat’s diet, and should be the... Read Full Story

B 12 and Digestion Several studies have shown that people who supplemented their diets with vitamin b12 shots reported higher energy levels and increased rates of weight loss vs. a control group that took no supplements. Some doctors may say there is no connection between weight loss and B12 but what they overlook is how many people are deficient in B12. Studies indicate that B12 deficiencies do not correlate with diet (participants with diets high in foods rich in B12 had just as low... Read Full Story

Long Term Care Tax Deductions One of the more frequently asked questions about long term care insurance is if you can’t afford the long term premiums are there any tax benefits to owning a long-term care policy that might help subsidize the premiums. Here are some answers to those questions given by tax experts: 1. Long-term care premiums are deductible as a medical expense (subject to the 7.5 percent-of-AGI floor), although there are limits to the deduction based on the taxpayer’s age... Read Full Story

Retire Early and Frugally Here is an interesting perspective on frugal living that goes along with our mission to live frugally but still enjoy life and live well. One author of a frugal living blog describes frugal living as “to look at optimizing efficiency and utility – one will become frugal, rather than just do frugal things.” This blogger claims he spend about 75% less than the average person, and yet gains an equivalent level of satisfaction. One of things he mentions that... Read Full Story

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