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Day: November 13, 2018

Is There A Better Alternative To Pet Insurance?

If your home is like 72.9 million others in the U.S., it is home to at least one pet. According to the 2011-2012 APPA National Pet Owners Survey, 62 percent of households in the U.S. have at least one pet. It’s not hard to imagine why. Pets, whether furred, hoofed or winged, bring so much to our lives. But, along with unconditional love and unquestioning devotion, they can also bring significant vet bills. In fact, the APPA (American Pet Products Association) estimates that U.S. pet owners will spend $14.1 billion on veterinary care in 2011.

Some pet owners opt for pet insurance as a method of reducing the costs of routine and emergency vet visits. However, Consumer Reports recently published a review of several pet insurance plans. The review was not favorable. Their basic conclusion: “Pet insurance is rarely worth the price… Only in uncommon cases, when a pet required very expensive care, would the coverage have more than paid for itself.”

Here are a couple of reasons why a pet insurance plan may not be your best option to save on your pet’s healthcare costs.

1. Lack of Coverage

Most pet insurance companies promise to cover 70 to 90 percent of your pet’s veterinary costs. However, these companies have adopted much of the fine print that the large human health insurers use: cumbersome claims processing, deductibles, per-visit reimbursement limits and per-incident limits. They may also deny coverage for many common conditions, including those deemed “inherent to the breed” and “pre-existing” conditions. As a result, their insurance rarely covers more than 50 percent of a pet’s annual medical costs. And since they charge $400-$1100 for a policy, the insurance typically costs the average pet owner far more than it saves.

2. Poor Return on Investment

In the aforementioned Consumer Reports review, they analyzed the lifetime vet bills of Roxy, a 10-year-old beagle in Dobbs Ferry, NY. Costs were totaled for nine different pet insurance policies, calculating how much would be paid out in reimbursements. Over Roxy’s 10 years, none of the policies Consumer Reports evaluated would have paid out more than the cost of the plan. Even when treatments for several hypothetical serious ailments were added in, the average policy would only have saved Roxy’s family $65 over her lifetime.

Consumer Reports concludes: “We believe most pet owners will be better off passing up pet insurance.”

So what should pet owners do to help cover rising vet costs? Here are a few alternatives to help:

1. Financial Assistance

There are a number of financial assistance programs financed by grants and private donations. While each one has different guidelines and requirements, your local shelter is a good place to start. Many shelters have updated listings and information on financing opportunities.

2. Veterinary Discount Plans

Veterinary discount plans provide discounts on services at participating veterinarians, immediately reducing the amount you have to spend on routine and emergency care. In Consumer Reports hypothetical case of Roxy, the largest veterinary discount plan showed Roxy’s …

What Makes Something the Best in the World?

Anyone who experienced the recent performances put in from Usain Bolt can surely have no arguments that the Jamaican athlete is the best in the world when it comes to 100 and 200 metres sprinting. However, many people and organizations claim to be the best without necessarily having a way to quantify their claim.

So what really makes something or someone best? According to the Oxford English Dictionary, best when used as an adjective is defined as the most excellent or desirable type of quality or the most suitable, appropriate or sensible. And when used as a noun, best is defined as the most excellent or desirable, the highest standard one can reach or a record performance.

When Angela Smith, the Minister for the Third Sector, said that Britain’s charities and voluntary organisations were the best in the world, these specific definitions may or may not have been met but there is certainly an argument that Angela Smiths comments are true based on some impressive facts. Facts including that 73{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of UK adults take part in volunteering or that 78{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of people give to charity – the highest level of giving in Europe.

The UK voluntary sector may well be the best as they work tirelessly to support people, communities and make the national and international environment a better place.

And so what can we all learn from their efforts to become the best in whatever we do? To begin with, people and organisations who are deemed the best seem to share a few key traits and these are determination, a hard work ethic and a belief in what they do. Many people do not necessarily set out to be the best in their field but by having a positive mental attitude and desire to succeed, they can end us as the best. Clearly having a gift like Usain Bolt helps but even those athletes who are competiting against him know that even if they cannot be the best in the world, they can achieve great things by being the best they can.

Going back to charities, community groups and other voluntary organisations, nobody perhaps knows who is really best, but in reality this does not really matter as the work they do is superb and it benefits society and that alone is better than any best tag. Likewise for charities who are searching for charity liability insurance or trustee indemnity insurance, who is really the best insurance broker to choose from? Well perhaps they should instead focus on choosing an insurance broker who specialises in charity insurance and who can help them get the protection they need for the best possible price.

If you are looking for service providers, focus on what is best for you and there is every chance you will find the best one around.…

Classifications of cryptocurrencies for beginners

Cryptocurrencies can be seen as several different forms of investment and as store of value. Before you go trading, you must familiarize yourself with crypto’s possibilities.

Means of payment

Bitcoin was the first cryptocurrency and as a digital currency was supposed to revolutionize classic payments. But there is still room for improvement in technology and Bitcoin price. Due to this fact,  otherAltcoinswere developed that have fewer vulnerabilities. If you want to invest in a Altcoin , which serves as a means of payment, then you must inevitably compare it with Bitcoin.

Examples: Monero ,Litecoin , ZCash

Platform

You can look at the platforms as a kind of programming language. It allows companies to develop their own Altcoin without having to have their own blockchain . These digital assets simply use the existing source code and blockchain of an established platform.

Examples: Ethereum , NEO

Digital assets

These cryptocurrencies are applications that have been developed on the platforms. The coins are not meant as means of payment. They are a kind of token that allows the owner to take action in the digital asset. Sometimes this action consists of transferring data or concluding contracts. The possibilities of giving value to the token are almost infinite.

As a beginner, you usually do not have an infinite amount of time to invest in the subject of cryptocurrencies. That’s why you should set up a long-term investment that you do not have to keep in mind 24 hours a day.

The effort for implementation of any cryptocurrency strategy should be as low as possible. A smart strategy will always require your cooperation and your thinking. But I can give you some tips so you do not have to worry about it.

The long-term strategy is HODL in the crypto community.

This term will meet you again and again and it was born from a typing error. The story is pretty funny.

In short: someone gets upset that he is totally bad in trading and always wrong. He decides in his rage to keep the crypto currencies simple (to hold). He prescribes himself and exchanges “l” and “d”. Hodl (ing) became the term describing the overcoming of course crashes of Bitcoin.…