dogs http://www.wisebread.com/taxonomy/term/1034/all en-US 7 Things You Need to Know About Pet Insurance http://www.wisebread.com/7-things-you-need-to-know-about-pet-insurance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-things-you-need-to-know-about-pet-insurance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/This_is_not_a_chew_toy.jpg" alt="This isn&#039;t a chew toy" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Do you need pet insurance? That depends. It can mean life or death for your pet if they experience a major medical issue &mdash; especially an expensive one that requires hospitalization or emergency surgery &mdash; but it can seem like an unnecessary monthly expense if you're paying into the plan and not using it. To make a decision whether pet insurance is right for you, here are a few things you should know. (See also: <a href="http://www.wisebread.com/is-pet-health-insurance-worth-it?ref=seealso" target="_blank">Is Pet Health Insurance Worth It?</a>)</p> <h2>1. There are three types of pet health coverage</h2> <p>Most pet insurance companies break down coverage into three categories. The lowest tier is an accident-only plan, which only covers accidents and emergencies, like if your dog gets hurt by another dog at the park. This coverage does not include any hereditary issues or serious health conditions. Conversely, there's a wellness plan, which doesn't include anything that the accident-only plan includes, but rather focuses on wellness and routine care, like annual exams, dental cleanings, and routine medications, like heartworm and flea-and-tick prevention.</p> <p>Two plans that don't overlap anywhere kind of force pet parents into the all-encompassing third option, and that's where the more expensive, major medical plans come in.</p> <p>More than 90 percent of all pet insurance plans purchased are in this category, according to PetInsuranceQuotes.com, which helps users compare coverage and prices among leading providers. It's likely major medical plans are so popular because they cover everything <em>except</em> wellness and routine care. Accidents, illnesses, cancer, orthopedic issues, hereditary conditions, and prescription meds are under the veil of these plans, the price of which is mostly determined by the breed of pet you have.</p> <h2>2. Pet insurance can help you avoid major debt</h2> <p>For many pet parents, putting an animal down when an expensive health issue strikes just isn't an option. They'll use any means possible to come up with the money to keep their pet alive. Using money from your emergency fund if it's readily available is one thing, but putting the bill on a credit card when money is already tight just isn't smart.</p> <p>Pet insurance, however, can eliminate that issue altogether. You'll pay a small amount each month so you don't have to experience even greater stress about your finances when your pet is in the hospital. The premium is probably worth the peace of mind. (See also: <a href="http://www.wisebread.com/5-pet-costs-you-dont-see-coming?ref=seealso" target="_blank">5 Pet Costs You Don't See Coming</a>)</p> <h2>3. Having coverage could mean saving your pet's life</h2> <p>When I first moved to Manhattan, barely able to pay my bills, my husband wanted a dog. I was dead-set against it, but his continued pleas caused me to cave, and before I knew it, we had a rambunctious puppy.</p> <p>Fast forward to a year-and-a-half later, still struggling to make ends meet, and our dog Jaxon is rushed to the hospital with a respiratory infection that cost about $8,000. There was a brief period of time when we weren't sure if our pet insurance would cover the cost of treatment &mdash; or how much we would have to spend out-of-pocket &mdash; and we had to make a tough decision. It was a quick decision. We could afford up to $3,000 in out-of-pocket expenses and nothing more; otherwise we would have to say our goodbyes. Thankfully we didn't have to, because the little bugger is still my best bud. Pet insurance saved Jaxon's life that day, and it could very well save your pet's life, too. (See also: <a href="http://www.wisebread.com/6-pet-expenses-you-should-never-skip?ref=seealso" target="_blank">6 Pet Expenses You Should Never Skip</a>)</p> <h2>4. Age plays an important part in the coverage you'll get</h2> <p>It's important to enroll your pet while they're young and healthy enough to get the best coverage at the lowest price. No pet insurance provider will cover pre-existing conditions, which makes getting coverage as the pet ages tougher and more expensive, if possible at all.</p> <p>&quot;If your pet is a senior and/or has pre-existing conditions, you may want to consider the accident-only plan,&quot; says Chris Middleton, president of Pets Best, a leading pet insurance provider. &quot;Or get the accident-only plan and add routine care to it.&quot;</p> <p>I decided to end major medical coverage on Jaxon because he doesn't go anywhere that he'll get hurt and he hasn't had any major medical issues for years; that level of insurance was becoming an expense that wasn't worth it. He's also getting up there in age, and at some point I have to let nature take its course. For now, he's happy, healthy, and we're enjoying life together.</p> <h2>5. Your pet's breed will influence coverage and cost</h2> <p>Some pet breeds are more prone to hereditary conditions and medical issues than others, which will affect the price you'll pay for pet insurance right off the bat. For example, you can expect to pay an average of $45 a month for a Labrador retriever versus $53 a month for an English bulldog, according to PetInsuranceQuotes.com. Both of these breeds come with their own set of hereditary issues that can be expensive to treat, which affect prices. If you know you want pet insurance but haven't found the perfect pet yet, it's worth researching insurance premiums based on breed; it may inform your decision on what breeds to focus on and which to avoid. (See also: <a href="http://www.wisebread.com/8-ways-to-lower-your-vet-bills?ref=seealso" target="_blank">8 Ways to Lower Your Vet Bills</a>)</p> <h2>6. Find the coverage that works best for your pet and your wallet</h2> <p>To get the most for your pet insurance price, look for a provider that covers the largest portion of your veterinary bill, coverage for congenital and hereditary conditions, and has no limits to the amount they will pay out.</p> <p>&quot;Choose a deductible that fits your budget and how they are applied,&quot; adds pet insurance provider Trupanion. &quot;Deductibles can help you control your premiums while making sure you see coverage before you hit your budget limit.&quot;</p> <h2>7. Pet insurance usually works on a reimbursement model</h2> <p>Pet insurance is a reimbursement model, meaning the pet owner pays their bill at the veterinarian (and often you must pay it in full before your pet is allowed to leave the facility), then submit the proof of payment to the provider for reimbursement. You should research the company's options for submitting claims before choosing a provider, advises Middleton.</p> <p>&quot;Since pet insurance is a reimbursement model, getting your money back quickly is one of the most important features,&quot; Middleton says. &quot;It's also important to look at how they will reimburse you. Some companies will only cut a check to pay your claim; so you have to factor in the time to cut the check, get it mailed to you, then deposit it.&quot;</p> <p>Direct-deposit reimbursement also is available at some providers.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-things-you-need-to-know-about-pet-insurance&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Things%2520You%2520Need%2520to%2520Know%2520About%2520Pet%2520Insurance.jpg&amp;description=7%20Things%20You%20Need%20to%20Know%20About%20Pet%20Insurance"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Things%20You%20Need%20to%20Know%20About%20Pet%20Insurance.jpg" alt="7 Things You Need to Know About Pet Insurance" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/7-things-you-need-to-know-about-pet-insurance">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-pet-expenses-you-should-never-skip">6 Pet Expenses You Should Never Skip</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-lower-your-vet-bills">8 Ways to Lower Your Vet Bills</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-personal-finance-tips-for-animal-lovers">7 Personal Finance Tips for Animal Lovers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-unexpected-dog-costs-you-should-prepare-for-now">5 Unexpected Dog Costs You Should Prepare for Now</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Health and Beauty cats dogs health care pet care pet insurance pet owner pets vet bills veterinary bills Fri, 15 Sep 2017 08:30:11 +0000 Mikey Rox 2020340 at http://www.wisebread.com 6 Pet Expenses You Should Never Skip http://www.wisebread.com/6-pet-expenses-you-should-never-skip <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-pet-expenses-you-should-never-skip" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-522185081.jpg" alt="don&#039;t skip these pet care expenses" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For some of us, our pets are the only children we're going to have (sorry, mom) &mdash; and like any good parent, we want to take care of our babies as best we can. But in the world of pet care, how do we know what's worth it and what isn't &mdash; especially when we examine the price tags associated with such expenses? You and your favorite cuddle buddy can live without a lot of what's out there, but here are the pet care costs you should never skip. (See also: <a href="http://www.wisebread.com/8-ways-to-lower-your-vet-bills?ref=seealso" target="_blank">8 Ways to Lower Your Vet Bills</a>)</p> <h2>1. Vaccinations</h2> <p>Vaccines do an incredible amount of good versus whatever rogue side effects have been suggested, largely by the nonscientific community. This goes for your pets, too.</p> <p>There's been some controversy on whether cats actually need annual shots, and the general consensus &mdash; among some, but not all vets &mdash; is that if your cat is strictly indoors and doesn't come into contact with other cats that may have feline leukemia, you can probably skip a year or two on vaccinations.</p> <p>Pet-care author, Kelly Meister-Yetter, affectionately known as the Critter Lady, says she has four indoor-only cats and she doesn't have them vaccinated every year. If your cat is to be boarded, however, virtually every establishment will require updated shots.</p> <p>Dogs, however, are a different story. &quot;You should never skip dog vaccinations, especially the rabies update shot every year,&quot; Meister-Yetter says. And some rabies vaccinations are good for three years. &quot;Dogs can get into all manner of mischief, and it's always best to keep them safe.&quot;</p> <h2>2. Consistent veterinary care from infancy</h2> <p>A pet parent should never skimp on vet care, which should include a yearly physical exam. Not only does the examination allow your veterinarian to assess the overall health of your pet, it also creates a health care team for you, the pet parent.</p> <p>&quot;When the pet is sick or injured, they will be worked in right away with someone who knows the pet and has its medical history, known medications and allergies, everything,&quot; according to Kathryn Primm, resident veterinarian at pet wellness site IHeartDogs.com.</p> <p>Vet care shouldn't be used as an emergency resource, but rather an established method of preventive care, from the moment you adopt or decide to bring a pet into your family.</p> <p>House Call Vet NYC Dr. Jeff Levy, whose practice specializes in holistic pet care, says regular checkups combined with a reasonable vaccination protocol can prevent unforeseen and costly medical problems throughout your pet's life. This preventive care can save you a substantial amount of money by addressing potential problems before they reach a stage that you may not be able to afford.</p> <h2>3. Pet insurance</h2> <p><a href="http://www.wisebread.com/is-pet-health-insurance-worth-it" target="_blank">Pet insurance</a>, though it may seem costly over the span of your pet's life, will spare you money and heartbreak in emergency situations that can cost thousands.</p> <p>My own dog had a respiratory issue very early on, the surgery for which crept upwards of $10,000. It's horrible to say, but if I didn't have pet insurance for him, we wouldn't have spent the past seven years post-procedure enjoying each other's company. Pet insurance saved his life.</p> <p>Jamie Thomas, executive director of Motley Zoo Animal Rescue in Washington State, says she experiences the consequences of uninsured pets on a regular basis.</p> <p>&quot;We routinely see animals surrendered for something as simple as a broken leg &mdash; [which costs a pet parent] about $1,500 to $2,000 [to mend],&quot; she says. &quot;This is really avoidable and it breaks our hearts. All it takes is one accident where your cat gets out the door and hit by a car, or your dog gets injured by another, and you might be facing euthanization rather than care and treatment, simply due to expenses.&quot;</p> <p>Outside of pet insurance, it's also a good idea to have a small emergency fund set up for your pet, just in case. And as your pet ages, certainly you can reconsider your insurance coverage. You may decide that your pet doesn't need a high level of coverage or coverage at all as it enters its final stages of life, but that's a personal decision you'll have to make.</p> <h2>4. Good food and nutrition</h2> <p>Be mindful of your pet's diet, and don't skimp on their food. This doesn't mean following the latest fads or advertising. Consider your veterinarian's professional opinion and conduct your own research using authoritative sources.</p> <p>&quot;You cannot underestimate the value of good food and what this can do for your animal's long-term health and well-being,&quot; explains Thomas. &quot;The ingredients and fillers in cheap pet food can actually cost you more in vet bills, trying to figure out why your pet's coat is really dry, coarse, or why your pet is super itchy or has skin issues. Ingredients like chicken and grains are the biggest culprits causing pet allergies, including skin and ear infections.&quot; (See also: <a href="http://www.wisebread.com/20-most-useful-pet-food-websites?ref=seealso" target="_blank">20 Most Useful Pet Food Websites</a>)</p> <h2>5. Exercise and socialization</h2> <p>I'm a pretty lucky pet parent because there are plenty of dog parks, beaches, and even dog-friendly happy hours where I live that my best fur-buddy and I can go to socialize and get regular exercise, and it's all free (except for the beers, of course). This is probably the case for you as well (a quick search will find all the dog-friendly places in your vicinity), and it's important to utilize these community assets so your pet can make friends and play.</p> <p>&quot;While cats are often solitary animals, dogs thrive on social interaction; invest your time, effort, and resources into enriching your pet's daily life,&quot; Dr. Levy advises. &quot;Both species need exercise to keep their bodies healthy. For cats, invest in toys and dedicate time to daily play. Dogs should not stay home alone while you are at work, so pony up for a walker or daycare.&quot;</p> <h2>6. Dog training, if needed</h2> <p>A lot of pet parents manage to raise friendly, gentle, loving dogs without the assistance of trainers. The problem is, you never really know how your pet will turn out as an adult based on your specific combination of nature and nurture, which makes it a good idea to invest in formal training.</p> <p>Thomas says, &quot;Many people rely on the breed of dog &mdash; 'good family dogs' &mdash; and think they don't need training, or think that hanging out with the family is actually socializing their dog. But investing in a better understanding of what training entails and how to communicate effectively with your dog, as well as how to truly socialize your dog, will be a priceless experience and can truly be the difference between keeping your dog or not. If people invested as much time and attention into these factors as they do researching a dog breed that will be perfect for them, they'd be more successful &mdash; and find many more dogs that would actually work for them.&quot;</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-pet-expenses-you-should-never-skip&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Pet%2520Expenses%2520You%2520Should%2520Never%2520Skip.jpg&amp;description=6%20Pet%20Expenses%20You%20Should%20Never%20Skip"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/6%20Pet%20Expenses%20You%20Should%20Never%20Skip.jpg" alt="6 Pet Expenses You Should Never Skip" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/6-pet-expenses-you-should-never-skip">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-you-need-to-know-about-pet-insurance">7 Things You Need to Know About Pet Insurance</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-lower-your-vet-bills">8 Ways to Lower Your Vet Bills</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-personal-finance-tips-for-animal-lovers">7 Personal Finance Tips for Animal Lovers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-pet-expenses-that-arent-worth-it">4 Pet Expenses That Aren&#039;t Worth It</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Health and Beauty cats dogs pet care pet expenses pet insurance pet owner pets veterinary costs Wed, 06 Sep 2017 08:30:10 +0000 Mikey Rox 2016057 at http://www.wisebread.com 8 Ways to Lower Your Vet Bills http://www.wisebread.com/8-ways-to-lower-your-vet-bills <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-to-lower-your-vet-bills" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-507275074.jpg" alt="Learning ways to lower your vet bills" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Taking your dog or cat to the vet can cause a big hit to your bank account, and if your pet has a medical emergency, you can easily expect to spend more than $500. This can take a toll on any family's finances, which is why we've found some easy ways to save money at the vet, without compromising your pet's health.</p> <h2>1. Take advantage of preventive care</h2> <p>If your vet suggests preventive care services, such as heartworm prevention medication for example, consider how much you'll save with this affordable service, as opposed to what you would spend treating heartworm disease.</p> <p>Maintain a healthy lifestyle with regular exercise, grooming, proper food portions, teeth brushing, and overall care. Severe dental issues can cost more than $1,000 to treat, so it's a preventive measure that shouldn't be skipped.</p> <h2>2. Prevent parasites</h2> <p>Get your animal on a flea and tick prevention program to keep fleas, ticks, lice, and worms at bay. These typically come in the form of a monthly pill, and many of these provide protection against several parasites at once. Along with saving you money on future treatments, this will also keep your pet healthy, happy, and comfortable.</p> <h2>3. Take advantage of free exams</h2> <p>Some veterinary offices or hospitals offer discounts or even free exams, to encourage owners to bring their pets in to treat for issues before they become hard to treat. Make inquiries with your local veterinary offices to see what they offer.</p> <h2>4. Compare prices</h2> <p>Compare service and prescription prices in your area before committing to one veterinary practice. Use online rating sites like Yelp to find a highly-reviewed vet that won't break the bank. Inquire about whether the office offers new pet or wellness care packages that can bundle exams and vaccines at a discount. (See also: <a href="http://www.wisebread.com/5-unexpected-dog-costs-you-should-prepare-for-now?ref=seealso" target="_blank">5 Unexpected Dog Costs You Should Prepare for Now</a>)</p> <h2>5. Keep your pet's weight in check</h2> <p>According to The Association for Pet Obesity Prevention, about 59 percent of cats and 54 percent of dogs in the U.S. are overweight or obese. Excess weight can lead to a host of health problems for animals. Keep your pet fit and active for a healthier lifestyle and fewer vet visits. Also, be aware of the ingredients in your pet's food. If you're trying to cut out processed food from your own diet, you should do the same for them. Look for food that promotes overall health for your pet's breed and dietary needs, and do not overfeed them.</p> <p>And just because they adorably dance for treats doesn't mean you should keep handing them out!</p> <h2>6. Ask about financing</h2> <p>Many veterinary offices will offer financing, payment plans, or even discounts if you are upfront with them about any financial hardships you're facing. They might also work with a credit lender (like CareCredit), which allows you to pay the fees over the course of several months with no interest, upon credit approval. You can also look into private veterinary discount plans like PetAssure.</p> <h2>7. Get pet insurance immediately</h2> <p>Pet health insurance can save you a huge amount of money if your pet has costly medical expenses in the future. Keep in mind that pre-existing conditions and inherited disorders will not be covered, so it's important to get pet insurance as early as possible. Many policies will also limit coverage to one treatment per illness, so do your research to determine if it's right for you. (See also: <a href="http://www.wisebread.com/is-pet-health-insurance-worth-it?ref=seealso" target="_blank">Is Pet Health Insurance Worth It?</a>)</p> <h2>8. Request an estimate before services are rendered</h2> <p>A written estimate will let you know how much you can expect to spend. Don't feel shy about saying &quot;no&quot; to a service or asking for a detailed explanation of the recommended services. If you think that a service is unnecessary or too expensive, visit another vet with your estimate in hand.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/8-ways-to-lower-your-vet-bills">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-you-need-to-know-about-pet-insurance">7 Things You Need to Know About Pet Insurance</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-pet-expenses-you-should-never-skip">6 Pet Expenses You Should Never Skip</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-personal-finance-tips-for-animal-lovers">7 Personal Finance Tips for Animal Lovers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-reasons-you-need-to-include-pets-in-your-will">6 Reasons You Need to Include Pets in Your Will</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Health and Beauty cats dogs family members pet care pet health pet insurance pet owners pets vet bills veterinarian Mon, 08 May 2017 08:00:10 +0000 Andrea Cannon 1940414 at http://www.wisebread.com 11 Unexpected Things Covered by Homeowners Insurance http://www.wisebread.com/11-unexpected-things-covered-by-homeowners-insurance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-unexpected-things-covered-by-homeowners-insurance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/611293320.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>This post brought to you by <a href="https://bob.dmpxs.com/bob_007.gif?s=post&amp;l=289%7C921%7C3488&amp;e=click&amp;p=disclaimer&amp;ids=null&amp;imp_hash=%7BIMP_SIGNATURE%7D&amp;bobredir=http%3A%2F%2Fad.doubleclick.net%2Fddm%2Ftrackclk%2FN4492.127014FEDERATEDMEDIA%2FB10893953.145514384%3Bdc_trk_aid%3D317173286%3Bdc_trk_cid%3D78536406%3Bdc_lat%3D%3Bdc_rdid%3D%3Btag_for_child_directed_treatment%3D&amp;c=113322" rel="nofollow">Progressive</a>. See how much <a href="https://bob.dmpxs.com/bob_007.gif?s=post&amp;l=289%7C921%7C3488&amp;e=click&amp;p=disclaimer&amp;ids=null&amp;imp_hash=%7BIMP_SIGNATURE%7D&amp;bobredir=http%3A%2F%2Fad.doubleclick.net%2Fddm%2Ftrackclk%2FN4492.127014FEDERATEDMEDIA%2FB10893953.145514384%3Bdc_trk_aid%3D317173286%3Bdc_trk_cid%3D78536406%3Bdc_lat%3D%3Bdc_rdid%3D%3Btag_for_child_directed_treatment%3D&amp;c=113322" rel="nofollow">Progressive </a>could save you when you bundle your policies.</em></p> <p>Homeowners insurance is absolutely essential if you want to protect your house and assets. If you take a look at a typical insurance policy (commonly known as an HO-3), you&rsquo;ll find it protects homeowners from a wide range of mishaps, from fires to vandalism, lightning strikes and tree falls. But do you know the full scope of what your homeowners policy covers?</p> <p>Here&rsquo;s a look at some of the surprising things that you may find are covered by homeowners insurance.</p> <h2>1. Patios, Gazebos, and Sheds</h2> <p>You may think that you&rsquo;re only buying insurance for your home. But in reality, the homeowners policy usually covers your entire property, including all structures such as storage sheds, gazebos, and that luxury doghouse you just had built for Fido. Be sure to let the insurance company know ahead of time, however, that you have these structures on your property. This will ensure you have documentation for coverage.</p> <h2>2. Tombstones</h2> <p>Believe it or not, grave markers at a cemetery are considered &ldquo;personal property&rdquo; and are therefore covered under most homeowners policies. Thus, most people are covered up to $5,000 worth of damage. It&rsquo;s important to note, however, that some gravestone damage is caused by the cemetery&rsquo;s own landscaping equipment, and would therefore be covered by the cemetery&rsquo;s perpetual care fund. So be sure to check the source of damage before making an insurance claim.</p> <h2>3. Riots</h2> <p>A typical HO-3 will cover your home and personal property in the event that they are damaged during civil unrest. (Some policies refer to it as &ldquo;civil commotion.&rdquo;) Vandalism, fire, and explosions are usually covered. If a State of Emergency is declared in your area due to rioting that could help your case when filing a claim. If not, it&rsquo;s a good idea to get a police report to document the event and damage.</p> <h2>4. Volcanoes (But Not Earthquakes)</h2> <p>Most of us outside Hawaii don&rsquo;t have to worry about this, but if your home is in the path of an erupting volcano, rest assured you&rsquo;ll be covered. It&rsquo;s worth noting, however, that earthquake damage (sometimes referred to as &ldquo;ground movement&rdquo;) is not covered under most standard policies.</p> <h2>5. Flooding (In Some Specific Cases)</h2> <p>A typical homeowners policy does not cover flood damage. You&rsquo;ll need separate insurance to cover damage caused by persistent rainfall, an overflowing creek bed, or flooding of a similar nature. But, some policies will cover water damage caused by things like a faulty sump pump, busted water heater or broken pipe. And you may find that water problems may be covered if the water is the indirect result of other kinds of damage (for example, a roof blowing off during a storm). Be sure to check your policy carefully to see what&rsquo;s covered when it comes to water.</p> <h2>6. Your Kids&rsquo; Stuff at College</h2> <p>If you send your child off to school and he&rsquo;s living in a dorm, his items are usually covered under your homeowners policy. That&rsquo;s because most policies cover anyone in your household as well as students under the age of 24. Not all policies cover students living in off-campus housing, however. It&rsquo;s also worth noting that liability limits on students&rsquo; items may be lower, so if they have expensive items like a computer or bicycle, it may be a good idea to get some renters insurance as well.</p> <h2>7. Identity Theft</h2> <p>If some nefarious person gets ahold of your sensitive data, it can become difficult to straighten out. Fortunately, many homeowners policies now allow for reimbursement of the cost of fixing your credit reports and restoring your identity. This can include the cost of lost wages, phone bills and possibly even legal representation. If this coverage is not included in your basic policy, it may be available as a low-cost add-on or endorsement, so check with your insurance provider.</p> <h2>8. Anything You Travel With</h2> <p>Most homeowners policies cover your belongings wherever they go, under something called an &ldquo;off-premises&rdquo; provision. That means that if your laptop or luggage is stolen while you&rsquo;re on vacation in Europe, you&rsquo;re usually covered. For pricey items, like your engagement ring or your triathlon bike, it may be worth getting an additional rider to ensure you have enough coverage.</p> <h2>9. Spoiled Food</h2> <p>Let&rsquo;s say a big storm blows through your town and you&rsquo;re without power for six days. Say goodbye to whatever was left in your refrigerator. The good news is that most homeowners policies will cover the cost of replacing spoiled food. Just make sure you take pictures of the food. Also, take note of the deductible on your plan. Some policies have no deductible on food spoilage claims, others may have a high deductible, which would make filing a claim pointless.</p> <h2>10. Dog Bites</h2> <p>If your dog bites someone, your homeowners policy may cover the cost of medical care, usually up to as much as $300,000. Just be aware that some dogs can do serious damage when they bite, and may require additional insurance to cover the cost of any potential claims.</p> <h2>11. Home Upgrades Required by Law</h2> <p>If your local government passes an ordinance requiring your home to have a new roof, the cost of that improvement is often covered. This is nice to have if, for instance, your home is damaged in a storm and the repairs must be in line with new zoning laws. There are usually limits to this coverage &mdash; insurance may not pay for full demolition, for instance &mdash; but it&rsquo;s nice to have for homeowners who may live in older houses. Check your insurance policy to see if this coverage is included in your basic plan or available as a low-cost endorsement.</p> <script type="text/javascript" charset="utf-8" src="https://vc.cdn.fm/video_conversationalist/system/published/opportunity/113322921/289_3488.js"></script><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/11-unexpected-things-covered-by-homeowners-insurance">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-times-to-update-your-homeowners-insurance">7 Times to Update Your Homeowners Insurance</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-other-kinds-of-insurance-you-may-need-to-buy-for-your-home">7 Other Kinds of Insurance You May Need to Buy for Your Home</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/beware-your-insurance-may-not-cover-these-8-losses">Beware: Your Insurance May Not Cover These 8 Losses</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-reasons-you-definitely-need-renters-insurance">5 Reasons You Definitely Need Renters&#039; Insurance</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-surprising-things-your-homeowners-insurance-doesnt-cover">9 Surprising Things Your Homeowners Insurance Doesn&#039;t Cover</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Insurance Real Estate and Housing coverage dogs flooding homeowners insurance progressive insurance state of emergency theft volcano Wed, 08 Feb 2017 14:15:06 +0000 Tim Lemke 1888619 at http://www.wisebread.com The 5 Best Pet Flea Shampoos http://www.wisebread.com/the-5-best-pet-flea-shampoos <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-pet-flea-shampoos" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/dog_bath_shampoo_70071119.jpg" alt="Dog using the best pet flea shampoos to kill fleas" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Fleas can relentlessly bite your pets, leaving them itchy and irritated. Pet flea shampoo can kill these pesky critters to help improve your pet&rsquo;s quality of life, while also cleansing their coat.</p> <p>Many pet owners find that a natural homemade recipe made of liquid dish soap, vinegar, and warm water is enough to kill fleas, but it isn&rsquo;t always effective enough. When you need something stronger, a good flea shampoo can do just the trick.</p> <h2>What Is Pet Flea Shampoo?</h2> <p>Pet flea shampoo is a special medicated shampoo that can safely cleanse your pet&rsquo;s coat, while killing fleas and preventing them from returning. A quality flea shampoo can kill the adult fleas that are causing your dog's discomfort. However, you will need to continually shampoo your dog throughout the year to ensure it remains effective.</p> <p>It&rsquo;s important to treat infested areas as soon as you notice a problem to stop the flea life cycle. Flea shampoo can be used like regular pet shampoo, starting at the head and behind the ears and moving down toward the tail. Simply let the lather remain in the hair coat for five minutes to kill pesky insects. It can usually be used along with a topical spot treatment or flea collar for enhanced results.</p> <p>Remember, it&rsquo;s important to always use dog products on dogs and cat products on cats. They cannot be used interchangeably, even if you choose a natural product. However, if the bottle specifically states that it is safe for both cats and dogs, then you can use it on all of your furry pals. Even if a shampoo claims to be completely safe for your animal, each pet is different and yours may not react well. If you notice any problems after using a flea shampoo, contact your vet.</p> <p>For quick cleanups, consider the <a href="http://amzn.to/29rjn1s">Vet's Best 50 Count Flea + Tick Wipes</a>. If you need further protection from fleas and ticks, consider something like the best-selling <a href="http://amzn.to/29PtbAu">Vet's Best Flea &amp; Tick Home Spray</a> or the best-selling <a href="http://amzn.to/29jGMiX">Vet's Best Flea &amp; Tick Yard &amp; Kennel Spray</a>.</p> <h2>Top 5 Pet Flea Shampoos</h2> <h3>Adams Plus Flea &amp; Tick Shampoo With Precor for Dogs and Cats</h3> <p><a href="http://amzn.to/29zo8VZ"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/adams.jpg" width="73" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/29zo8VZ">Adams Plus Flea &amp; Tick Shampoo with Precor for Dogs and Cats</a> is Amazon&rsquo;s #1 best-seller in dog flea control shampoos, as well as the best seller in cat shampoos. You can count on it to kill fleas, ticks, and lice on contact. It also provides 28 days of control from flea eggs and flea larvae. It is gentle on the coat and skin, and can actually help remove loose dandruff, dirt, and scales to improve the coat&rsquo;s condition, leaving it soft and shiny. It is enriched with oatmeal, coconut extract, lanolin, and soothing aloe, so it shouldn&rsquo;t irritate your pet&rsquo;s coat.</p> <p>The concentrated lathering shampoo can be used on both dogs and cats 12 weeks of age and older. Most reviewers tend to love how well this lathers. It is one of the &ldquo;most wished for&rdquo; items on Amazon and has outstanding online reviews.</p> <p><a href="http://amzn.to/29zo8VZ"><em>Currently $8.67 on Amazon</em></a></p> <h3>Hartz UltraGuard Rid Flea &amp; Tick Shampoo for Dogs With Oatmeal</h3> <p><a href="http://amzn.to/29PtqeX"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/hartz.jpg" width="85" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/29PtqeX">Hartz UltraGuard Rid Flea &amp; Tick Shampoo for Dogs with Oatmeal</a> provides immediate relief from adult fleas and ticks, including deer ticks, which may carry Lyme disease. It contains Pyrethrins, which kills fleas and ticks that can carry diseases. It also contains oatmeal to cleanse, deodorize, and soothe your pet&rsquo;s dry, itchy, or irritated skin. It has a light, fresh fragrance that reviewers tend to love.</p> <p>The cleansing shampoo can be used on dogs six months of age and older. This is an Amazon best-seller, one of the &ldquo;most wished for&rdquo; items on Amazon, and has outstanding online reviews.</p> <p><a href="http://amzn.to/29PtqeX"><em>Currently $10.78 on Amazon</em></a></p> <h3>Vet&rsquo;s Best Flea Itch Relief Shampoo</h3> <p><a href="http://amzn.to/29rkrCe"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/vet%27s%20best.jpg" width="77" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/29rkrCe">Vet&rsquo;s Best Flea Itch Relief Shampoo</a> is a veterinarian-formulated shampoo that provides fast itch relief from flea bites and infestations. Some reviewers found that it works nearly instantly to kills fleas and ticks. Instead of relying on harsh chemicals, it uses powerful natural ingredients like micronized oatmeal, aloe vera, camomile, solvent-free orange and lemon peel oil, and neem oil to soothe discomfort, irritation, dryness, and itching. It will not affect topical flea and tick control products that you may be using at the same time.</p> <p>This can be used on both dogs and puppies 12 weeks of age and older. Reviewers tend to like the mild natural scent. If you&rsquo;re looking for something you can use on both your cats and dogs, consider the <a href="http://amzn.to/29rlbHy">Vet&rsquo;s Best Natural Anti-Flea Easy Spray Shampoo</a>.</p> <p><a href="http://amzn.to/29rkrCe"><em>Currently $7.72 on Amazon</em></a></p> <h3>Natural Chemistry De Flea Pet Shampoo</h3> <p><a href="http://amzn.to/29nPcaJ"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/de%20flea.jpg" width="70" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/29nPcaJ">Natural Chemistry De Flea Pet Shampoo</a> is pesticide free, chemical free, nontoxic, and safe for people and pets. It is guaranteed to instantly kill fleas, ticks, mites, and lice safely. It kills insects on contact without the use of Pyrethrins or Permethrins, and will not wash off any flea and tick spot treatments you may be using at the same time. The gentle yet powerful formula works on all stages of the insect's' life cycle.</p> <p>The deep cleaning shampoo can be used on both dogs and cats 12 weeks of age and older. If this one doesn&rsquo;t work for your pet, consider the best-selling <a href="http://amzn.to/29PuyPt">Natural Chemistry Natural Flea and Tick Shampoo with Oatmeal for Dogs</a>.</p> <p><a href="http://amzn.to/29nPcaJ"><em>Currently $9.09 on Amazon</em></a></p> <h3>Sentry Flea and Tick Shampoo With Oatmeal</h3> <p><a href="http://amzn.to/29v89tg"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sentry.jpg" width="100" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/29v89tg">Sentry Flea and Tick Shampoo With Oatmeal</a> quickly kills fleas, ticks, and flea eggs for up to 10 days, including the ticks that may carry Lyme disease. The effective flea and tick dog shampoo is PH balanced for your pet&rsquo;s coat and contains oatmeal for deodorizing and cleansing. It also has a Hawaiian ginger scent that reviewers tend to love. After use, your dog&rsquo;s coat should be shiny, soft, and smelling great.</p> <p>This is intended for dogs only. It is an Amazon best-seller and has outstanding online reviews.</p> <p><a href="http://amzn.to/29v89tg"><em>Currently $6.97 on Amazon</em></a></p> <p>And those are our recommendations for the best pet flea shampoos. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <div align="center"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-pet-flea-shampoos&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%205%20Best%20Pet%20Flea%20Shampoos.jpg&amp;description=The%205%20Best%20Pet%20Flea%20Shampoos" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <div align="center">&nbsp;</div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Pet%20Flea%20Shampoos.jpg" alt="The 5 Best Pet Flea Shampoos" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-medications">The 5 Best Pet Flea Medications</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-toilet-papers">The 5 Best Toilet Papers</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-wipes">The 5 Best Pet Wipes</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-diapers">The 5 Best Pet Diapers</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-robotic-mops">The 5 Best Robotic Mops</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Home Shopping 5 best dogs flea control flea prevention flea shampoos pet care pets product reviews shopping Thu, 07 Jul 2016 09:31:19 +0000 Andrea Cannon 1746640 at http://www.wisebread.com How to Make $400+ a Week as a Pet Sitter http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-make-400-a-week-as-a-pet-sitter" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000024530979_Large.jpg" alt="making extra money as a pet sitter" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As a pet sitter since the age of 10, I've taken care of everything from dogs to cats to gerbils to guinea pigs, and have pet sat at many gorgeous homes with fabulous amenities. One client I worked with even lived right down the street from Oprah! Not a bad way to earn some extra cash, am I right? (See also: <a href="http://www.wisebread.com/10-great-side-jobs-for-introverts?ref=seealso">10 Great Side Jobs for Introverts</a>)</p> <p>Here are six steps to making $400+ a week in your spare time as a pet sitter.</p> <h2>1. Set Your Services and Prices</h2> <p>Pet sitters can offer a variety of services, from dog walking to daycare, daily check-ins, baths, overnight services, and more. When determining which services you will offer, think about your what kinds of pets you are comfortable with as well as how much time you have to spend pet sitting. You won't want to offer dog walking services if you aren't comfortable walking large dogs, and you won't want to offer daycare services if you have a full-time job.</p> <p>You'll also need to research how much pet sitters in your area charge for the same services you want to offer in order to figure out how much you should charge. Don't price yourself too high or too low. Be competitive for your city! For example, in Newport Beach, CA, I priced my services at $60 per night for overnight sitting and $20 per day for daily check-ins. One week of overnight sitting earns me $420, and if I'm able to add in a drop-in client or two, I can earn upwards of $560 per week.</p> <h2>2. Advertise</h2> <p>If this is your first time pet sitting, start with your family and friends. Offer to watch their pets for a discounted fee so that you can build up your portfolio and reference list. Be sure to ask them for referrals as well!</p> <p>Another option to find clients is the Internet. A site like <a href="http://www.sittingforacause.com/">Sitting for a Cause</a> (which, full disclosure, I own and operate) can help pet parents in your area find you and learn about the services you offer. You can also create your own website or make a Facebook page to help people find you.</p> <p>Additionally, you can make business cards and leave them under people's doormats or post fliers at local dog parks, shelters, or pet supply stores. Leaving your information where pet owners will see it can help you grow your business.</p> <h2>3. Meet Clients in Person</h2> <p>When a prospective client contacts you, find out the details of the job including the type of service they need, the dates of service, and information about their pets. If the job sounds like something that will fit into your schedule, set up a meet and greet!</p> <p>A meet and greet is your opportunity to meet the client and pets as well as learn more about what would be expected of you while the client is away. Along with the basic information like feeding schedules, exercise and bathroom needs, medical history, and location of all pet supplies, be sure to find out:</p> <ul> <li>How well trained the pet is and any commands he or she knows;<br /> &nbsp;</li> <li>If the pet is good with other animals;<br /> &nbsp;</li> <li>Behaviors you should reward for and bad behaviors you should watch out for;<br /> &nbsp;</li> <li>Information about people who will be coming and going from the house (i.e. housekeepers, gardeners, and pool cleaners);<br /> &nbsp;</li> <li>If you need to water plants, pick up newspapers, or bring in mail;<br /> &nbsp;</li> <li>How to arm and disarm any alarm systems.</li> </ul> <p>If you feel confident a job is a good fit and you can handle all the responsibilities that come with it, accept it! If not, it's always okay to turn down a job.</p> <h2>4. Take Awesome Care of Their Pets</h2> <p>This one is simple: just do everything that is asked of you. Feed pets when they are supposed to be fed the exact amount they are supposed to be fed, keep water bowls filled, make sure pets get the exercise they need, scoop litter boxes daily, clean cages as required, pick up poop from the yard, give treats as suggested, bring in the mail and newspapers, water plants as needed, and follow any other instructions from the client.</p> <p>And, obviously, spend lots of time playing and cuddling with their pets. You were hired to be a surrogate parent while your client is gone, so enjoy your temporary parenthood!</p> <h2>5. Go Above and Beyond</h2> <p>During your job, do more than just the basics. Here are some ideas to help you go the extra mile to make your clients happy:</p> <ul> <li>Send updates and pictures;<br /> &nbsp;</li> <li>Notify them if their food supply seems low and offer to run to the store to pick some up;<br /> &nbsp;</li> <li>If a favorite pet toy looks like it's falling apart, get a replacement;<br /> &nbsp;</li> <li>If your client is celebrating a special occasion, leave some pet-safe flowers and a nice note;<br /> &nbsp;</li> <li>Leave the house in cleaner condition than it was when you arrived on your first day.</li> </ul> <p>When you go above and beyond, don't expect or ask for reimbursement from clients on items you purchased for them. Going above and beyond is an investment in your client and will keep them hiring you for years to come.</p> <h2>6. Follow Up</h2> <p>On the final day of the job, if you leave a client's house before they return, call or send them a text a few hours after they were supposed to return (or if they returned late, the next morning) to ensure they are home with their pets. They will appreciate knowing you care enough to check in.</p> <p>It's also nice to check in with clients from time to time. A quick email every so often asking how their pets are doing or sending a Christmas card is always a nice gesture that will keep you at the top of their list of people to call the next time they need a sitter. It also increases the odds they will refer their family and friends to you!</p> <p><em>Are you an animal lover? Would you ever try pet sitting? Leave a comment and let us know! </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-festive-ways-to-make-extra-money-for-the-holidays">16 Festive Ways to Make Extra Money for the Holidays</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-smart-way-to-budget-on-a-freelance-income">The Smart Way to Budget on a Freelance Income</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-rich-walking-dogs-in-9-easy-steps">Get Rich Walking Dogs in 9 Easy Steps</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-you-can-earn-18-to-25-an-hour-with-amazon-flex">How You Can Earn $18 to $25 an Hour With Amazon Flex</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income cats dogs extra money pet sitter pet sitting pets side hustle side job Fri, 15 Apr 2016 09:30:29 +0000 Ashley Jacobs 1689532 at http://www.wisebread.com 9 Surprising Things Your Homeowners Insurance Doesn't Cover http://www.wisebread.com/9-surprising-things-your-homeowners-insurance-doesnt-cover <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-surprising-things-your-homeowners-insurance-doesnt-cover" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/kids_swimming_pool_000020952491.jpg" alt="Learning surprising things homeowners insurance doesn&#039;t cover" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you've never read the entirety of your homeowners insurance policy, you might believe you're protected against any kind of problem with your home or property. But the truth is, many things are specifically excluded from most policies. Most of us know flooding and water damage is not generally covered by standard policies. The rest, though, may surprise you.</p> <p>Does your homeowner's policy cover any of these 10 items? If not, consider getting special endorsements or riders to make sure you have the proper level of coverage.</p> <h2>1. Pools</h2> <p>You might think the liability insurance tied to your policy will suffice, but it's probably not high enough to protect you against many pool-related injuries. A typical homeowners policy covers about $100,000 in liability insurance &mdash; but if you have a pool, you'll probably need greater protection. The Insurance Information Institute recommends bumping your liability insurance to $300,000 or even $500,000.</p> <h2>2. Termites</h2> <p>Pests can pose a big threat to your home, but don't assume damage from the little critters is covered. That's because most insurance companies consider damage from termites and other pests to be preventable. Pay attention to moisture around your home, and closely examine any wood for possible pest damage. Also be sure to keep plants and wood piles a good distance from your house.</p> <h2>3. Tree Houses</h2> <p>Many insurance companies place treehouses in the &quot;high-risk&quot; category along with trampolines. Check your policy for exclusions before constructing that clubhouse in the old oak tree.</p> <h2>4. Earthquakes</h2> <p>What's interesting here is that damage from a volcanic eruption usually <em>is</em> covered by most homeowners policies. Earthquakes are a different story, and that also goes for earth tremors, landslides, and mudslides. If you live in an earthquake-prone area &mdash; Californians, I am talking to you &mdash; consider buying extra earthquake insurance.</p> <h2>5. Trees Damaged by Wind</h2> <p>If a tree gets knocked down during a storm and damages your house, the repairs to your home are covered. But <a href="http://www.wisebread.com/6-times-when-its-okay-to-drop-insurance">insurance won't cover</a> the actual removal or replacement of the tree itself. This goes for any other shrubs and plants. In general, homeowners insurance only covers damage to plants and trees caused by fire, theft, lightning, and car crashes. So if a car crashes into a tree, you're covered (up to $500.) But if the wind knocks the tree over, tough luck.</p> <h2>6. Expensive Jewelry or Other Personal Property</h2> <p>You may think your wedding ring is covered under your homeowners policy, but unless your hubby bought you a cubic zirconia, it's probably not. Most policies cover personal artifacts up to $1,000 or so. After that, you'll need a separate rider. But don't worry, such riders usually cost less than $100 a year.</p> <h2>7. Your Home Business</h2> <p>It's logical to assume that if you're running a business from your house, that business is covered under your homeowners policy. But that's not necessarily true. If you run a catering business from inside the home and someone gets food poisoning, you're not covered. If you are giving an art lesson and a student breaks a toe, you're not covered. This is especially true if your home business is located on your property, but in a separate structure from your home.</p> <h2>8. War</h2> <p>What's worse than having your house blown up by the enemy? Knowing that insurance won't cover the repairs. Most policies will not pay you back for damage caused by war, terrorism, or nuclear dangers. However, civil unrest, riots, and vandalism may be covered.</p> <h2>9. Many Popular Dog Breeds</h2> <p>Most dogs are covered under your homeowners policy, but only if they are not considered &quot;aggressive&quot; or &quot;risky.&quot; And you'd be surprised how many breeds of dogs are basically uninsurable. The American Veterinary Medical Association lists the dogs most likely to bite humans, and appearing on that list is often a black mark for insurance companies. Blacklisted breeds include Pit Bull Terriers, Doberman Pinschers, Akitas, Rottweilers, and even Chow Chows.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/9-surprising-things-your-homeowners-insurance-doesnt-cover">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-unexpected-things-covered-by-homeowners-insurance">11 Unexpected Things Covered by Homeowners Insurance</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-times-to-update-your-homeowners-insurance">7 Times to Update Your Homeowners Insurance</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-other-kinds-of-insurance-you-may-need-to-buy-for-your-home">7 Other Kinds of Insurance You May Need to Buy for Your Home</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-things-you-should-know-about-rental-car-insurance">3 Things You Should Know About Rental Car Insurance</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-the-right-rv-and-vehicle-insurance-protects-your-summer-fun">Here&#039;s How the Right RV and Vehicle Insurance Protects Your Summer Fun</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Insurance dogs earthquakes flooding homeowners homeownership liability pests pools Tue, 29 Dec 2015 14:00:03 +0000 Tim Lemke 1626816 at http://www.wisebread.com 13 DIY Halloween Costumes for Your Pets http://www.wisebread.com/13-diy-halloween-costumes-for-your-pets <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/13-diy-halloween-costumes-for-your-pets" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/dog_halloween_costume_000076280051.jpg" alt="Dog wearing DIY Halloween costume made by owner" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Don&rsquo;t leave your favorite furry friend out of the Halloween fun this year! You can make a cute costume for your pet in just minutes. Most of these comfortable getups work for either dogs or cats, so gather your crafting supplies and check out these 13 spook-tacular tutorials.</p> <h2>1. Piñata</h2> <p>My heart skipped a beat when I found this <a href="http://www.studiodiy.com/2012/10/22/haunted-housewarming-our-costumes/">DIY piñata</a> costume. You'll need a <a href="http://www.amazon.com/gp/search/ref=as_li_ss_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;fst=as%3Aoff&amp;keywords=dog%20sweater&amp;linkCode=ur2&amp;qid=1445350976&amp;rh=n%3A2619533011%2Cn%3A3024176011%2Ck%3Adog%20sweater&amp;rnid=2619534011&amp;tag=wisbre03-20&amp;linkId=AMYI34SSSATT5VGK">dog sweater</a>, crepe paper, hot glue, and some time. Just cut the paper into fringe and glue it to the sweater. Throw in a <a href="http://www.amazon.com/s/ref=as_li_ss_tl?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;field-keywords=dog%20sombrero&amp;linkCode=ur2&amp;tag=wisbre03-20&amp;url=search-alias%3Daps&amp;linkId=GK2SS5ME4TY33I3J">pet-sized sombrero</a> to finish the look.</p> <h2>2. Beanie Baby</h2> <p>Strapped for time? You can whip up this <a href="http://www.doodlekisses.com/photo/enzo-ready-for-halloween?context=latest">Beanie Baby</a> costume in a few minutes. Grab a piece of white card stock, a pencil, a red marker, and a hole punch. Draw a heart on your piece of paper, cut it out, and then lightly outline the TY logo with pencil. Color the tag red, punch a hole, and attach to your four-legged friend.</p> <h2>3. Ballerina</h2> <p>Give your pooch the night of her dreams with this whimsical <a href="http://pitlandia.blogspot.ca/2012/09/diy-dog-tutu.html">ballerina tutu</a> costume. You&rsquo;ll need a wide elastic band, tulle, and piece of cardboard. Once you&rsquo;ve looped the elastic, just wrap the tulle around your cardboard form, cut, and then tie to the band. Poof it out and slip it onto your pet.</p> <h2>4. Angel</h2> <p>A little paper and glue can go a long way. Dress your cat in this divine <a href="http://petdiys.com/diy-cat-angel-costume/">DIY angel</a> costume. Twist together some white pipe cleaners to make a halo. Then cut wings out of paper and use elastic to wrap them around your cat. Done!</p> <h2>5. Elsa From <em>Frozen</em></h2> <p>You don&rsquo;t need kids to jump in on the <a href="http://www.amazon.com/s/ref=as_li_ss_tl?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;field-keywords=frozen&amp;linkCode=ur2&amp;rh=i%3Aaps%2Ck%3Afrozen&amp;tag=wisbre03-20&amp;url=search-alias%3Daps&amp;linkId=YLRTYHXCK2J2XBU6">Frozen</a> trend. Doll up your pup in this <a href="http://jaderbomb.com/2014/10/15/homemade-halloween-costume-for-dogs/">Elsa snow queen</a> costume &mdash; complete with a wig. Use blue tulle to fashion a flowing skirt made for a princess. And the wig is just white yarn hot glued onto some felt.</p> <h2>6. Teddy Bear</h2> <p>Who doesn&rsquo;t love a cuddly stuffed animal? Turn your pet into a <a href="http://www.i-heart-pets.com/munchkin-the-shih-tzu/">Teddy bear</a> with this nifty tutorial. Find an old stuffed bear, cut its face out, and cut open the back of the toy. Leave stuffing in the arms. Then attach using some Velcro or string.</p> <h2>7. Lion</h2> <p>Maybe your pet wants to feel like the king of the jungle. Try this <a href="http://www.instructables.com/id/Lion-Dog-Costume/?ALLSTEPS">lion costume</a> on for size. It&rsquo;s especially perfect for larger dogs and requires a bit of sewing knowledge. You&rsquo;ll start by measuring your pet&rsquo;s head and neck so you can sew a simple base layer. After that, you&rsquo;ll pin fur to the base and then sew it into place. Don&rsquo;t forget the ears!</p> <h2>8. Candy Corn</h2> <p>This <a href="http://diymaven.com/2009/09/09/crochet-a-candy-corn-pet-sweater/">crochet candy corn</a> sweater will look cool and keep your kitty warm. You&rsquo;ll need orange, yellow, and white yarn. The project is completed in just 16 rows of various stitches. Definitely a great project for beginners looking to learn a new craft.</p> <h2>9. Bat</h2> <p>Martha Stewart&rsquo;s team came up with this <a href="http://www.marthastewart.com/852545/bat-wings-harness-costume">bat wing harness costume</a>, and it&rsquo;s a winner. You&rsquo;ll print out a wing template, cut the shape from three pieces of felt, and then stitch them together. Then cut a small rectangle of felt to secure to your pet&rsquo;s harness. (See also: <a href="http://www.wisebread.com/the-7-best-pieces-of-homemaking-advice-from-martha-stewart?ref=seealso">The 7 Best Pieces of Homemaking Advice From Martha Stewart</a>)</p> <h2>10. Spider</h2> <p><iframe width="420" height="315" src="https://www.youtube.com/embed/pwsuWyZM9O4" frameborder="0" allowfullscreen=""></iframe></p> <p>Here&rsquo;s a <a href="https://www.youtube.com/watch?v=pwsuWyZM9O4">DIY spider</a> costume that's creepy and crawly. The best part? Your pet won&rsquo;t mind wearing it. All you need are <a href="http://www.amazon.com/gp/product/B001VG5KPM/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B001VG5KPM&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=MZW442XVXRWZC5JS">pipe cleaners</a> and a dog (or cat) collar. Twist pipe cleaners until you get a nice, thick leg that&rsquo;s around 15 inches long. Then tie the legs to the collar, four on each side. Use the giant pipe cleaners for more drama.</p> <h2>11. Construction Worker</h2> <p>If you have an hour, you have enough time to make this <a href="http://chasethestar.net/2015/10/diy-pet-costume.html">construction worker</a> costume for your animal. Take two squares of orange felt and cover it with a strip of metallic silver duct tape and yellow felt. Cut a small hole into this new vest and loop elastic through for a custom fit. Finish off with a <a href="http://www.amazon.com/gp/product/B00567GDAI/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00567GDAI&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=AMVNNLCNC7A6XKE3">foam construction hat</a>.</p> <h2>12. Painted Pet</h2> <p>Do you have, like, zero crafting skills? Check out <a href="http://www.amazon.com/s/ref=as_li_ss_tl?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;field-keywords=pet%20paint&amp;linkCode=ur2&amp;rh=i%3Aaps%2Ck%3Apet%20paint&amp;tag=wisbre03-20&amp;url=search-alias%3Daps&amp;linkId=2JQC5MLQO5RB5TA6">pet paint</a>, a veterinarian-approved pigment spray that washes off your pet with mild shampoo. You can safely spray a costume &mdash; like this <a href="http://www.mypawsitivelypets.com/2013/10/i-painted-my-dog-to-look-like-tiger.html">tiger dog</a> &mdash; in no time at all. You can even get <a href="http://www.amazon.com/s/ref=as_li_ss_tl?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;field-keywords=pet%20paint%20stencil&amp;linkCode=ur2&amp;rh=i%3Aaps%2Ck%3Apet%20paint%20stencil&amp;tag=wisbre03-20&amp;url=search-alias%3Daps&amp;linkId=SGQQ7TD2V6OHLPWT">pet stencils</a> to make the process easier. Rinse and repeat for another event.</p> <h2>13. Ghost</h2> <p>Or go with this <a href="https://instagram.com/p/e79EeZMW6d/">classic ghost</a> costume. It&rsquo;s so easy, a kid could make it. You&rsquo;ll need a small white sheet or piece of fabric. (It looks like the author may have used a white t-shirt.) Cut holes large enough for your pet&rsquo;s eyes and snout. Slip it on and spook your friends.</p> <p><em>Are your pets dressing up for Halloween? Share their costumes in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/13-diy-halloween-costumes-for-your-pets">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-halloween-treats-you-can-make-in-an-instant-pot">9 Halloween Treats You Can Make in an Instant Pot</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ideas-for-cheap-festive-fall-decor">12 Ideas for Cheap, Festive, Fall Decor</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-scariest-halloween-frights-you-can-make-from-trash">13 Scariest Halloween Frights You Can Make From Trash</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-homemade-pet-products-that-are-cheaper-and-better-than-store-bought">7 Homemade Pet Products That Are Cheaper and Better Than Store Bought</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-festive-and-easy-diy-holiday-decorations">14 Festive and Easy DIY Holiday Decorations</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> DIY cats crafts dogs Halloween Holidays pet costumes Fri, 23 Oct 2015 17:16:47 +0000 Ashley Marcin 1597936 at http://www.wisebread.com 3 Ways Your Dog Is Ruining Your Credit Score http://www.wisebread.com/3-ways-your-dog-is-ruining-your-credit-score <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-ways-your-dog-is-ruining-your-credit-score" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_and_her_dog_000017761090.jpg" alt="Woman realizing how her dog ruins her credit score" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>That puppy looks so cute. But be careful: Pets are also a big financial responsibility that can take a bite out of your credit score. According to data from the ASPCA, you can <a href="http://www.aspca.org/adopt/pet-care-costs">expect to pay</a> $580 every year to own a small dog, $695 annually for a medium dog, and $875 each year for a large dog. And the first year of <a href="http://www.wisebread.com/the-6-least-expensive-dog-breeds-to-own">owning a pet</a> comes with additional costs.</p> <p>&quot;It sounds harsh, but if you can't afford to support yourself you have no business getting a pet,&quot; says Bruce McClary, vice president of public relations and external affairs for the Washington, D.C.-based National Foundation for Credit Counseling. &quot;If you don't have room in your budget for caring for a pet, you are not just hurting yourself, you are hurting that pet. If you can't afford medical treatment or to properly care for and feed that pet, getting a pet is not the best decision to make.&quot;</p> <p>Here are three ways your new dog could send your credit score plummeting.</p> <h2>Big Medical Bills</h2> <p>Bringing your dog to the vet is a necessity. But it's not cheap. PetCareRx says that a <a href="http://www.petcarerx.com/article/the-annual-vet-visit-cost-what-to-expect/1276">basic office visit</a> can cost $45 to $55, while other basic services such as booster shots (an average of $18 to $25) and heartworm tests ($45 to $50) can add up.</p> <p>But it's the rarer type of medical treatments that are truly costly. PetCareRx says that it can cost up to $110 for the geriatric screenings that older dogs &mdash; typically seven years and up &mdash; require, while dental cleaning can run up to $400 for dogs.</p> <p>It's when it comes to more complicated procedures such as surgeries or cancer treatments that your dog's medical bills can soar. PetCareRx estimates that it can cost up to $10,000 to <a href="http://www.petcarerx.com/article/managing-costs-of-cancer-treatment-for-dogs/1232">treat your dog's cancer</a> through chemotherapy and the ASPCA estimates that it can cost up to $15,000 to give your dog a <a href="https://www.aspca.org/pet-care/cutting-pet-care-costs">kidney transplant</a>.</p> <p>You can usually work out payment plans for these costs. Missing these payments won't show up on your credit report&hellip; initially. But if your vet sends a collection agency after you, that will be reported. McClary says that a negative judgment on your credit report &mdash; such as a bill being sent to collections &mdash; could cause your credit score to instantly drop by 150 points or more.</p> <h2>Pet Insurance</h2> <p>Because there are more treatment options available for dogs today, many pet owners are opting to purchase pet insurance to help cover the costs of cancer treatments and surgeries. These policies aren't free, with the ASPCA estimating that a <a href="https://www.aspca.org/pet-care/cutting-pet-care-costs">typical pet insurance</a> policy costs from $300 to $400 a year.</p> <p>If you fall behind on these payments, your credit score won't initially take a hit. But if you fall behind enough, the provider of your insurance policy will send your account to a collection agency. Once that negative judgment is listed on your credit report, expect your three-digit credit score to tumble by 150 points or more.</p> <p>&quot;You'd be surprised at how quickly medical and insurance providers are sending accounts to collection today,&quot; McClary said. &quot;If you miss two payments, you might find yourself dealing with a third-party collection agency. And that will show up on your credit report.&quot;</p> <h2>Ouch! Dog Bites</h2> <p>Your beloved poodle doesn't like the mailman, and shows his displeasure by taking a chunk out of his leg. This simple bite can cost you a lot of money.</p> <p>The Insurance Information Institute found that while the number of <a href="http://www.iii.org/issue-update/dog-bite-liability">dog bite claims</a> across the United States fell 4.7% in 2014, the average cost of these claims jumped 15%. The institute found that the average cost dog owners paid out for dog bite claims stood at $32,072 last year, up from $27,862 in 2013.</p> <p>A dog bite can easily take a big chunk out of your household budget. If your finances are already tight, the added burden of paying out &mdash; or defending &mdash; a dog bite claim could cause you to fall behind on other monthly bills such as mortgage payments or credit cards. These late or missed payments will cause your credit score to fall.</p> <p>A pet can be a wonderful addition to your family &mdash; but it can also be a costly one. Make sure your finances are healthy enough to withstand the extra expenses.</p> <p><em>What unexpected costs has your pooch racked up?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/3-ways-your-dog-is-ruining-your-credit-score">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-your-credit-report-does-not-include">7 Things Your Credit Report Does NOT Include</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-why-you-shouldnt-freak-out-if-you-miss-a-payment-due-date">Here&#039;s Why You Shouldn&#039;t Freak Out If You Miss a Payment Due Date</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-you-need-to-know-about-pet-insurance">7 Things You Need to Know About Pet Insurance</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-steps-to-getting-excellent-credit">5 Steps to Getting Excellent Credit</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/debunking-8-common-credit-score-myths">Debunking 8 Common Credit Score Myths</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle credit history credit score dogs lawsuits pets vet bills Wed, 12 Aug 2015 13:00:22 +0000 Dan Rafter 1517122 at http://www.wisebread.com 10 Ridiculously Overpriced Pet Products http://www.wisebread.com/10-ridiculously-overpriced-pet-products <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-ridiculously-overpriced-pet-products" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/chihuahua-dog-bed-fancy-accessories-Dollarphotoclub_36470129.jpg" alt="chihuahua fancy" title="chihuahua fancy" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Americans love their pets. In fact, the estimated amount we <a href="http://www.petfoodindustry.com/Pet_spending_estimated_at_US$58_5_billion_for_2014.html">spent on our pets</a> in 2014 was almost $60 billion. That's a whole lot of dog treats and cat toys. However, while a lot of those purchases were worth the money, some were a little exorbitant to say the least. (See also: <a href="http://www.wisebread.com/7-homemade-pet-products-that-are-cheaper-and-better-than-store-bought?ref=seealso">7 Homemade Pet Toys That Are Cheaper and Better Than Storebought</a>)</p> <p>With money being tight for so many of us these days, we have to make the best financial choices for ourselves, whilst keeping the wellbeing of our pets top of mind. With that being said, the following 10 products should be avoided. Not only are they insanely overpriced, they're also wasted on animals that really don't care if they eat prime rib or &quot;prime cuts&quot; of mystery meat in jelly.</p> <h2>1. Persian Lamb and Mink Dog Coat &mdash; $995</h2> <p>Here's the thing about dogs; they already have a coat. Nature provided them with a way of keeping warm, and they can shed the volume of this coat in the warmer months to stay a little cooler. So providing a dog with a coat, well, that's like wearing a jacket on top of your jacket. Admittedly, sometimes in extreme weather, you may want to cover your pooch with a dog jacket. That's often more for your own peace of mind than the dog's safety. But if you do, avoid a <a href="http://www.bonanza.com/listings/Black-Persian-Lamb-With-Sheared-Mink-Collar-Dog-Coat/89709521">$1000 coat</a> made from lamb's wool and mink. It looks ridiculous, it costs an arm and a leg, and the dog won't care!</p> <h2>2. Ebano Intreccio Scolpito Dog Collar &mdash; $420</h2> <p>The translation means &quot;carved ebony.&quot; That's a tad confusing when you look at the actual collar and realize that it's just a leather collar. Oh, but not just any leather collar. This&nbsp;<a href="http://www.bottegaveneta.com/us/pet-accessory_cod51118599xp.html">collar costs $420</a>. The description says that it is &quot;sculpted to perfection&quot; and is &quot;extremely strong, resistant, and beautiful.&quot; For $420, it should walk the dog while you sit back and enjoy a coffee and a donut.</p> <h2>3. The Louis XV Pet Pavilion Dog Bed &mdash; $23,995</h2> <p>Styled after an 18th Century French commode (which is actually a chest of drawers, not a toilet), this&nbsp;<a href="http://styletipsy.com/accessories/louis-xv-pet-pavilion/">lavish dog bed</a> will set you back the price of a new 2015 Ford Escape. However, unlike the SUV, this beautifully carved dog bed does&hellip; well, nothing. It just sits there, looking pretty (if you like that sort of thing) and is a shining example that you have money to burn. Only for the very rich, and very stupid.</p> <h2>4. Sexy Beast Dog Perfume &mdash; $65</h2> <p>You don't have to spend hundreds of dollars to waste money. This purchase will set you back just $65, but you may as well flush your money down the toilet. Touted as a &quot;<a href="http://www.sexybeastperfume.com/">unisex pet fragrance</a>,&quot; Sexy Beast is available in 1.7 ounce and 3.4 ounce sizes. It is a blend of &quot;bergamot and vanilla-infused musk, combined with natural patchouli, mandarin, and nutmeg oils.&quot; What a waste of time. Give your dog a bath. Or if they really hum and that doesn't work, you'd be better off spraying them with a little air freshener or Febreze. Save your money for fragrances humans can wear.</p> <h2>5. Swarovski Crystal Cat Flap &mdash; $1,650</h2> <p>If you own a cat or two, you know that cat flaps are not exactly the height of design elegance. They're functional, as they should be. They serve the purpose of letting the cat come in and out of the room or house without having to keep the door open. Ideally, they go unnoticed. Unless, however, you shell out a small fortune for one of these&nbsp;<a href="http://www.dailymail.co.uk/news/article-1158909/The-1-000-Swarovski-crystal-encrusted-cat-flap-creates-purrrfect-pet-entrance.html">hideous things</a>. Not only does it look like it cost a few bucks from a discount store, it doesn't even hide the full cat flap!</p> <h2>6. The 8' x 10' Luxury Dog House Kit &mdash; $3,399</h2> <p>The most insulting thing about that dog house is the word &quot;kit.&quot; For that kind of money, you should have it delivered to your dog fully assembled, and be treated to dinner at a five-star restaurant. But no, you have to build this&nbsp;<a href="http://www.doowaggle.com/8-x-10-luxury-dog-house-kit-cape-cod-model/">luxury pooch palace</a>&nbsp;yourself. It's not even painted! It features wood wall framing, wood trusses, and an adult entrance door to check in on your pampered best friend.</p> <h2>7. The Cat Cabin &mdash; $1,400</h2> <p>Handmade with wood and liana (a kind of vine) this <a href="http://www.homebasic.de/index.php?show=sturm%20und%20drang&amp;product=5">cosy cat cabin</a>&nbsp;features a dirt repellent pillow and multiple entrance and exit points. It is made by HomeBasic, a German company, and as it is woven by German artisans, you know the cost is going towards construction and not raw materials. After all, it's basically wicker and rattan.</p> <h2>8. Designer Poodle Tiara &mdash; $4.2 million</h2> <p>This kind of extravagant spending is obscene. When you consider the amount of people in this world who are poor and hungry, throwing away millions of dollars on an <a href="http://www.bornrich.com/42-million-designer-tiara-for-pampered-poochie.html">ornament for a dog</a> makes absolutely no sense. The dog has no idea what it's wearing, or why. It's simply a way for the owners to say &quot;Look how much money we have.&quot; With any luck, the dog will bury it somewhere in the back garden and make the owners go digging.</p> <h2>9. Versace Barocco Pet Bowl &mdash; $754</h2> <p>What is more important? The food you give your pet, or the dish you serve it in? If you answered with the latter, congratulations&hellip; you've got more money than sense. Feed your pet a healthy diet and serve it in a dish that costs $20 or less. Something sturdy. Not a <a href="http://www.pawnation.com/2013/09/17/pamper-your-cat-edition/5">dish inlaid with gold</a>. The write-up even says &quot;Your cat may not know the difference, but you will, right?&quot; Yes, you should know better.</p> <h2>10. Pet Resorts &mdash; $1,000 and Up</h2> <p>If you're off on vacation but can't bring your dog or cat with you, why not send them on their own holiday? Why not? Because it's insane. Places like <a href="https://www.youtube.com/watch?v=aI62VAc1Y5s">Paradise Ranch</a> take away that guilty feeling by pampering your pet for days, or even weeks, with the highest of care. Services like &quot;human companionship while they sleep&quot; and &quot;full service spas&quot; ensure that your dog will have a confusing but comfortable time while you're away. Remember&hellip; pets are not people; you don't treat them the way you want to be treated, you treat them the way they need to be cared for. Boogie board lessons are not fun; they're strange and harrowing.</p> <p><em>What's the most you've ever spent on stuff for a pup or a kitty?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-ridiculously-overpriced-pet-products">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-pet-expenses-that-arent-worth-it">4 Pet Expenses That Aren&#039;t Worth It</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-you-need-to-know-about-pet-insurance">7 Things You Need to Know About Pet Insurance</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-lower-your-vet-bills">8 Ways to Lower Your Vet Bills</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-personal-finance-tips-for-animal-lovers">7 Personal Finance Tips for Animal Lovers</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-pet-expenses-you-should-never-skip">6 Pet Expenses You Should Never Skip</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living cats dogs money wastes pet care pet toys pets Wed, 18 Feb 2015 16:00:09 +0000 Paul Michael 1289846 at http://www.wisebread.com 4 Pet Expenses That Aren't Worth It http://www.wisebread.com/4-pet-expenses-that-arent-worth-it <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-pet-expenses-that-arent-worth-it" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/labrador-puppy-chew-toy-Dollarphotoclub_74327010.jpg" alt="puppy chew toy" title="puppy chew toy" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Pets give us so much: fun, cuddles, love. But they are also very expensive. There are <a href="http://www.wisebread.com/7-homemade-pet-products-that-are-cheaper-and-better-than-store-bought">lots of ways</a> to&nbsp;<a href="http://www.wisebread.com/5-ways-to-yank-the-leash-on-pet-expenses">curb your pet expenses</a>, but here are the four pet expenses that are really just not worth it.</p> <h2>Pet Insurance</h2> <p>A health <a href="http://www.petinsurance.com/">insurance plan</a> for your dog, cat, bird, snake, or any other pet, might sound like a good idea, especially if you have a purebred animal prone to health issues late in life. However, the insurance deal for pets is not exactly as great as the kind we humans get.</p> <p>First, the premiums are high considering how few issues will likely arise. The basic plans are around $11 per month, and comprehensive care is up to $40 per month. Over the course of a pets life, let's say 10 years, you will have spent up to $4800. That's the cost of a resort vacation or a used car!</p> <p>Second, problems requiring a specialist will still cost you an arm and leg. If you have a big issue, like a <a href="http://consumerist.com/2013/04/09/getting-health-insurance-for-my-pet-was-a-bad-deal-heres-why/">dog enduring heart failure</a>, one can find that with each visit, the reimbursements get smaller and smaller. Considering the vet costs and the type of pet, you might be better off paying for expenses as they arise.</p> <h2>Obedience Classes</h2> <p>Even post-Cesar Milan, we are still in a dog training craze. Many folks adopting rescue pets might believe they need to buy discipline courses or &quot;boot camps.&quot; But these classes are a high risk for an uncertain reward: Group classes cost up to $125 on average, private classes cost up to $500 on average, and boarding school training can cost $1800 on average; and there's little guarantee the results will last.</p> <p>So how can you train a pet without classes? It's simple: As the owner of a pet (specifically dogs), you are the alpha. That means the obedience training should come from you. There are lots of resources on how to spend time and <a href="http://www.wisebread.com/training-your-dog-9-hazardous-habits-and-how-to-break-them">training pets yourself</a>. Home training not only ensures that you spend quality time with your pet and that the results are working, but you'll save tons of money.</p> <h2>Too Many Toys</h2> <p>Toys are such an easy way to entertain (or appease) our animal friends. Pet stores will successfully sell us on wacky and cute toys for almost every kind of pet &mdash; because who doesn't want to see their pet play and have fun?</p> <p>Pet toys are pricey, though. They also have high turnover. A toy lasts for a few months until it's completely torn apart, and then you need to replace it. Try saving money by <a href="http://www.wisebread.com/10-diy-dog-toys-you-can-make-for-pennies">making your own toys</a> or recycling toys. If you have a cat? A coat hanger with a string on it, or a little piece of trash on the floor will always suffice.</p> <h2>Fresh Prepared Pet Food</h2> <p>Dog and cat bakeries, artisanal fresh foods delivered to you, farmer's market carts just for pets, there are so many ways to waste money on your pet with indulgent treats. A lot of these food options are positioned as the only &quot;healthy&quot; choice for your pet's health.</p> <p>How many times have we gone to Whole Foods for kale, but left with salted caramel ice cream? It's the same with these specialty dog food brands. Dogs do not need popsicles, nor we should never entertain the idea. The 10 bucks here, 20 bucks there add up to an insane meals and entertainment budget for your pet. Want to try fresh, raw pet food? <a href="http://www.wisebread.com/homemade-dog-food-recipe-and-cost">Try making it yourself</a> without the markup.</p> <p><em>What pet expenses do you consider a waste? Please share in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/4-pet-expenses-that-arent-worth-it">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ridiculously-overpriced-pet-products">10 Ridiculously Overpriced Pet Products</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-you-need-to-know-about-pet-insurance">7 Things You Need to Know About Pet Insurance</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-lower-your-vet-bills">8 Ways to Lower Your Vet Bills</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-personal-finance-tips-for-animal-lovers">7 Personal Finance Tips for Animal Lovers</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-pet-expenses-you-should-never-skip">6 Pet Expenses You Should Never Skip</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living cats dogs pet care pets Mon, 22 Dec 2014 18:00:13 +0000 Amanda Meadows 1270233 at http://www.wisebread.com 7 Personal Finance Tips for Animal Lovers http://www.wisebread.com/7-personal-finance-tips-for-animal-lovers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-personal-finance-tips-for-animal-lovers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/young-couple-dogs-Dollarphotoclub_74155837.jpg" alt="young couple pets" title="young couple pets" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The pet industry is big business &mdash; <a href="http://www.cbsnews.com/news/americans-spent-a-record-56-billion-on-pets-last-year/">$56 billion</a> in 2013 to be exact. And while you want your pet to be happy and healthy, you don't need to contribute any more to that $56 billion than is necessary. (See also: <a href="http://www.wisebread.com/10-diy-dog-toys-you-can-make-for-pennies?ref=seealso">10 DIY Dog Toys You Can Make for Pennies</a>)</p> <p>So check out this set of personal finance tips that will help you care for your furry best friends without breaking the bank.</p> <h2>1. Perfect Your Grooming Skills</h2> <p>I've never taken any of my pets to a professional groomer for their coats. You can easily buy salon-quality products and gadgets that make taking care of your pet's fur an inexpensive and even fun task. I make sure my pup gets a bath every week (with conditioner) and a brushing every day to keep his coat and skin healthy. Once a month I have his nails clipped and every six months I have his teeth cleaned by professionals. This regular maintenance and preventative care, the majority of which I do at home in my bathtub, keeps him looking and feeling his best.</p> <h2>2. Maintain Proper Diet and Exercise</h2> <p>Being overweight is one of the main causes of premature death and illness among pets. To keep your pet healthy and to keep your vet bills low, make sure your pet gets plenty of exercise and eats just the right amount of food. Also, avoid table scraps. While your pet may love them, their systems are not attuned to the human diet and can cause severe digestive issues.</p> <h2>3. Get Training</h2> <p>Training will save you from the expense of having your house and/or yard torn apart, and it will keep your pet safe from harm as well. There are a variety of options when it comes to training. When I first adopted my dog, I read every Cesar Millan book and followed his advice to the letter. Because my pup had terrible separation anxiety, I found tremendous value in Nicole Wilde's book <a href="http://www.amazon.com/gp/product/0981722733/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0981722733&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=GVRPI2RWW7NEE6AX">Don't Leave Me!</a> You can also enroll your pet in group classes or get private sessions with a trainer.</p> <h2>4. Get Pet Insurance</h2> <p>When I adopted my dog, I immediately got pet insurance. Though he's only five, that insurance has more than paid for itself and given me tremendous peace of mind. Veterinary care is expensive. It will undoubtedly get more expensive as my little guy gets older because he will develop health issues through the natural process of aging.</p> <p>I have an excellent plan through <a href="http://www.healthypawspetinsurance.com/">Healthy Paws</a>. I pay a low monthly fee, a $50 annual deductible, and then they pick up 90% of the tab beyond the basic doctor visit cost. It's important to note that you must get insurance while your pet is still young because pre-existing conditions are often not covered and most plans won't start coverage if your pet is beyond a certain age.</p> <h2>5. Shop Around for Care</h2> <p>Speaking of veterinary care, make sure to shop around to get a feel for average pricing. When I first adopted my dog, I just went to the closest vet because I assumed they were all pretty much the same. Not so. There are huge variations in the level of care as well as the cost. There is also a wide spread on quality and cost of care when it comes to dog grooming, walking, daycare, and boarding. Do your homework online and in-person to get the best value and quality for your dollar.</p> <h2>6. Visit Clinics for Simple Stuff</h2> <p>Even once you find a high-quality, good value vet, there are other options for certain types of pet care. I used to happily take my dog to my vet for his vaccines. Then I discovered <a href="http://www.luvmypet.com/">LuvMyPet</a>, a mobile unit that makes stops at my local Petco every weekend. LuvMyPet's vaccines are exactly the same as the ones from my vet, but they're literally half the price.</p> <h2>7. Shop Around Online for Supplies</h2> <p>Do not buy medicine, food, or supplies from your vet or a brick-and-mortar retailer unless it's an emergency. These establishments generally have a huge markup. You can get a much better deal online from <a href="http://amazon.com">Amazon</a>, <a href="http://www.1800petmeds.com/">1800PetMeds</a>, and <a href="http://wag.com">Wag.com</a>.</p> <p><em>What cost-effective ways have you found to take care of your pets?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/7-personal-finance-tips-for-animal-lovers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-lower-your-vet-bills">8 Ways to Lower Your Vet Bills</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-you-need-to-know-about-pet-insurance">7 Things You Need to Know About Pet Insurance</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-pet-expenses-you-should-never-skip">6 Pet Expenses You Should Never Skip</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ridiculously-overpriced-pet-products">10 Ridiculously Overpriced Pet Products</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-pet-expenses-that-arent-worth-it">4 Pet Expenses That Aren&#039;t Worth It</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance cats dogs pet care pet insurance pets veterinarian Tue, 16 Dec 2014 14:00:07 +0000 Christa Avampato 1268205 at http://www.wisebread.com 23 Tips for Traveling With Pets http://www.wisebread.com/23-tips-for-traveling-with-pets <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/23-tips-for-traveling-with-pets" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/dog-car-travel-104523329-small.jpg" alt="dog travel" title="dog travel" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You don't want to leave your furry family members behind if you don't have to. So here are 23 tips for traveling with pets to help you navigate the world of sticky border regulations, pet-friendly accommodation hacks, flying with pets, gear to make the journey easier, and much more.</p> <h2>Before You Go</h2> <p>Before you take to the road with your pet, you'll want to cover the following basics.</p> <h3>1. Research Embassy Requirements</h3> <p>Lauren and Kenin Bassart of <a href="http://www.theconstantrambler.com/">TheConstantRambler</a> have been traveling the world full-time with their dog Zoe, a wiemaraner, since 2012. They find that traveling with a dog sometimes dictates where they can and can't go.</p> <p>&quot;Different countries have different requirements. Many countries require quarantine periods and we avoid those when taking Zoe. Most countries require shots for rabies, bordetella (kennel cough), and parvo. Call an embassy and do your research online to see what the country's requirements are, and make sure to have your paperwork handy when crossing the border.&quot;</p> <p>You can research various country requirements at <a href="http://www.pettravel.com/passportnew.cfm">PetTravel.com</a>.</p> <h3>2. When Entering or Leaving a Country, Your Itinerary Matters</h3> <p>In researching pet travel requirements, consider both where you're going and where you're coming from. Gigi Griffis has also been on the road since 2012 with Luna, her pint-sized schnauzer-yorkie mix, who has 11 passport stamps and counting. She has a section for dog travel tips on her website <a href="http://www.gigigriffis.com/category/luna/">Gigigriffis.com</a>.</p> <p>&quot;Countries (especially those with low incidence of or no incidence of rabies) have requirements that vary based on where you are coming from. If you are coming directly from the U.S. or Canada, the requirements are often as simple as a vet visit, some paperwork, and a stamp from the appropriate U.S. or Canadian authorities. If you are coming from South Africa or Thailand, the rules might be different.&quot;</p> <p>It's not just about your last destination either, Gigi says even layovers in certain countries can affect your pet's ability to cross borders. You can find US requirements on the <a href="http://www.aphis.usda.gov/wps/portal/aphis/ourfocus/animalhealth?1dmy&amp;urile=wcm:path:/aphis_content_library/sa_our_focus/sa_animal_health/sa_export_from_us/sa_live_animals/ct_iregs_animal_exports_home">APHIS website</a>.</p> <h3>3. Get a Health Certificate</h3> <p>Health certificates are required by airlines, border authorities, hotels, pet-care centers, and others. In many cases you need to get your health certificate within 10 days of starting your trip. Research the specific requirements of your itinerary before visiting the vet, so they can include everything necessary in the certificate.</p> <h3>4. Keep an Electronic Copy of Your Pet's Health Certificate</h3> <p>Many hotels, travel operators, pet care centers, airlines, and customs and immigration agencies require a printed record of your pet's veterinary certificate. Instead of printing off reams of copies for every possible instance, just print off a couple and keep an electronic copy.</p> <p><a href="http://www.twitter.com/myschatheriault">Myscha Theriault</a> is a best-selling author and internationally-syndicated travel columnist who travels full-time with her science journalist husband and giant Labrador retriever. With her electronic copy handy, she's always ready to produce her dog's health certificates as needed.</p> <p>&quot;The hotel's business center printer allows me to print a PDF copy of our Labrador's shot records as required, for example whenever we need to book an afternoon of daycare for her from the road. It keeps the paper clutter down day-to-day, while still remaining prepared for last-minute changes in our schedule.&quot;</p> <h3>5. Research Local Vets</h3> <p>Just in case something happens on the road, you don't want to be scrambling to find a reputable vet. Record the contact information for a few vets in the area you're visiting before you go.</p> <h3>6. Don't Carry Endless Amounts of Pet Food</h3> <p>Instead of worrying about finding a specific brand of pet food or carrying bags of food across borders, Gigi focuses on the ingredients.</p> <p>&quot;I usually carry enough food for a few days and then buy a bag of food when I arrive. Since different countries tend to have different brands, it's important that you know what ingredients are in your pet's food. Instead of trying to find your brand, look for a food that has the same basic structure. If you feed your pet something with chicken and grains (the majority of dog foods), look for chicken and grains. Even switching brands, I find that Luna's digestive system does fine if I stick with the right ingredients.&quot;</p> <h3>7. Bring a Pet First Aid Kit</h3> <p>You don't want to overdo it, but having a little kit to care for your pet can prevent you from scrambling for something at the last minute. Pawfriendly has some good suggestions for what to include in <a href="http://www.pawfriendly.com/community/pet-first-aid-kits">your pet's first aid kit</a>.</p> <h2>Flying With Pets</h2> <p>Flying with pets isn't particularly easy for either the pet or the owner, but it certainly isn't impossible. Here are some tips to make the process smooth.</p> <h3>8. Call the Airline</h3> <p>Airlines have differing regulations for traveling with pets, such as pet carrier dimensions, required health certificates, etc. Always check with the airline for their requirements before you book. You can view <a href="http://www.pettravel.com/airline_rules.cfm">various airline requirements here</a>, but you should still call the airline to confirm that their rules haven't changed.</p> <h3>9. Choose an Airline-Friendly Carrier</h3> <p>Petco, a company that features pet products (including these <a href="http://www.petco.com/N_4294955108/Airline-Travel-Shop.aspx">airline-travel-friendly pet carriers</a> and toys) suggests the following tips when selecting a carrier suitable for your pet and flying with them:</p> <ul> <li>Your pet should be able to stand freely, turn around, and fully lie down in the carrier.<br /> &nbsp;</li> <li>Cats, who are especially prone to stress when flying, can be calmed with special sprays designed to reduce feline anxiety. For dogs, there are supplements that do the same thing as well as prevent motion sickness.<br /> &nbsp;</li> <li>Put a familiar towel/blanket or toy in the carrier with your pet to provide them with comfort and a sense of home.</li> </ul> <h3>10. How and When to Crate Your Pet</h3> <p>Cesar Milan (the Dog Whisperer) has lots of <a href="http://www.cesarsway.com/tips/seasonal/cesars-travel-tips">pet-friendly travel tips</a> on his website. Among them, he has some good tips with regards to when and how to crate your pet.</p> <ul> <li>Don't leave anything in the crate (like leashes or loose collars) that can harm your pet.<br /> &nbsp;</li> <li>Don't treat the crate like a prison, for example by using a sad voice and saying things like &quot;sorry&quot; when you crate them.<br /> &nbsp;</li> <li>Fast your pet for four to six hours prior to crating them to fly, so they don't have a full stomach/bladder.<br /> &nbsp;</li> <li>Exercise your pet as close to departure time as possible.<br /> &nbsp;</li> <li>Crate your pet before entering the airport, which can be a stressful environment.</li> </ul> <h3>11. If Traveling in the Hold</h3> <p>If your pooch needs to travel in the hold, try to book direct flights. Clip their nails so they don't get caught on anything, and make sure you spend a few weeks getting your pet used to their crate before traveling to reduce anxiety. Also, carry a picture of your pooch (in case they're misplaced &mdash; yes, it happens), and notify the flight attendants/captain that you have a pet in the hold. The Humane Society website has some other <a href="http://www.humanesociety.org/animals/resources/tips/traveling_tips_pets_ships_planes_trains.html">good tips for flying with a pet in the hold</a>, in addition to a variety of general pet travel tips.</p> <h2>Staying in Hotels</h2> <p>Hotels have varying services and restrictions when it comes to checking in with pets. Here are some hotel hacks from the experts:</p> <h3>12. Finding Pet-Friendly Hotels</h3> <p>Myscha says La Quinta and Red Roof Inn are chains that typically take pets without a nightly fee. When there isn't one around, Myscha turns to tourism boards for suggestions.</p> <p>&quot;We typically ask the local tourism board and visitor center for recommendations of the more unique spots. They are always way more in-the-know than even the most up to date [pet-hotel] website.&quot;</p> <h3>13. Ask Questions Before You Book</h3> <p>Pet policies differ dramatically by hotel. Ask the following questions to ensure you're getting a good fit for both you and your pet:</p> <ul> <li>Are there additional fees for checking in with pets?<br /> &nbsp;</li> <li>Do you have size restrictions?<br /> &nbsp;</li> <li>Are there any resident pets? (Depending on the pet, they could be problematic or a great playmate).<br /> &nbsp;</li> <li>Do you offer services for pets (anything from providing food/water bowls to pet-sitting services)?<br /> &nbsp;</li> <li>What are the rules and restrictions (for example are there certain areas I can and can't go with my pet)?<br /> &nbsp;</li> <li>Do you have rooms with easy access to the outdoors?<br /> &nbsp;</li> <li>Are there nearby parks where I can exercise my pet?</li> </ul> <h3>14. Book a Hotel With an Outdoor Restaurant or Bar</h3> <p>&quot;Having a resort where there are bars with outdoor access and tables or tie-on poles is a great perk for us,&quot; says Myscha. Her pup doesn't do well in restaurants, but can handle hanging out in an outdoor establishment. &quot;Strolling downstairs when the venue isn't crowded enables us to at least have a drink outside of the room without having to book daycare for the dog.&quot;</p> <h3>15. Train Your Pet to be Rental-Friendly</h3> <p>Gigi stays mostly in apartments through vacation rental sites like AirBnB. Instead of focusing on finding pet-friendly rentals, she focuses on making her dog a rental-friendly pet. (See also: <a href="http://www.wisebread.com/how-to-find-and-book-the-best-vacation-rentals?ref=seealso">How to Find and Book the Best Vacation Rentals</a>).</p> <p>&quot;I don't worry about whether the places are pet-friendly or not. Instead, I find four or five places I'd like to stay and reach out with a message that asks if they would be willing to make an exception for my dog explaining why she's an exception-worthy tenant. These reasons are that she is a non-shedding breed, small (about 12 lbs/6 kilos), therapy trained to work with kids in hospitals (and thus very well behaved), and has landlord references. For the most part, landlords and hotel owners are worried that pets will make noise, destroy something, leave hair all over the room, or bother other guests. If you can put these fears to rest, you have a chance of getting an exception.&quot;</p> <h3>16. Get &quot;Landlord&quot; References</h3> <p>For Gigi, the key to having a rental-friendly pet is in producing references. &quot;Almost nobody thinks about doing this, but it is endlessly helpful. Whenever you stay somewhere with your pet, ask the landlord or owner to mention the pet in their reference. It's a simple matter for the landlord and helps future landlords evaluate your exception request with confidence.&quot;</p> <h3>17. Request a Room on the First Floor</h3> <p>Many pet-friendly hotels will assign you a first floor room (or even better, one with direct outside access), but it's always good to ask. Myscha always specifically requests a first-floor room. &quot;Elevator or not, it's a pain in the neck to do midnight potty break runs with your pooch if you have to travel down several floors to do it.&quot;</p> <h3>18. Checking-In: What to do First</h3> <p>&quot;When you check into your hotel room make sure to bring your luggage, your pet's food, and their bedding in immediately. The smell is comforting and the pet will feel more at home in the hotel knowing that there are things in the room that smell familiar,&quot; says Lauren.</p> <p>Once initially settled in, Lauren and Kenin continue the integration process. &quot;We take a short stroll around the hotel and come back into the room 15-20 minutes later. This keeps separation anxiety at bay because they know we are not abandoning them. It also let's us know if they are going to bark or not when we leave for a longer period of time.&quot;</p> <h3>19. Have a Toy for Distraction While Checking In and Unpacking</h3> <p>Myscha uses the hotel mini-fridges to freeze a Kong full of peanut butter for times when they're tending to business and unable to pay attention to their dog. &quot;This keeps her distracted during lobby meetups, or while we are unpacking and organizing the room.&quot;</p> <h3>20. Continental Breakfast? Stock Up on Peanut Butter Packs</h3> <p>&quot;The [single-serve packets of peanut butter] at the morning continental breakfast bar are great for filling in when you've run out of your travel stash, and they can also be used for administering medication pills without fuss,&quot; says Myscha. She adds that grabbing a piece of bacon or sausage or even some cereal can come in handy when you've run out of treats and there's no convenience store in sight.</p> <h2>Road Trips With Pets</h2> <p>Going on a road trip? This is a much easier way of traveling with pets than flying, but there are still a few things to be aware of.</p> <h3>21. Limit Driving Times Each Day</h3> <p>Mary and Al Hone of <a href="http://www.talesfromthebackroad.com/">Tales From the Back Road</a> have been traveling full-time in their RV with their two dogs (Roxy and Torrey) for over two years. Despite traveling with all the comforts of home, they limit the amount of time spent on the road itself. &quot;We try to not travel more than five or six hours per day. It's tiring for us, and boring for the dogs. We make frequent stops at parks, or somewhere we can play fetch, or just somewhere we can walk.&quot;</p> <h3>22. Make it Comfortable, and Strap Them In</h3> <p>Lauren says preparing the car helps to make their pooch comfortable, and alleviates their worries while driving. &quot;She has a bed in the back of our VW with a blanket and her favorite toy. She is also harnessed and seat-belted so she is safe in case of emergency.&quot;</p> <p>Mary and Al are also sure to secure their dogs to keep everybody safe. &quot;Torrey has a seatbelt harness, and Roxy has a car seat to keep them both safe as we travel. This also keeps them from being a distraction to the driver.&quot;</p> <h3>23. Have Fresh Water and Treats On-Hand</h3> <p>&quot;We have a portable doggie water bottle and make frequent stops to let her stretch her legs and hydrate,&quot; says Lauren.</p> <p>Mary and Al also ensure they have some food on hand for wonky driving schedules. &quot;If we miss dinner time for the dogs, they know it and remind us. The treats keep them happy until we can stop and get them their dinner. They are also good for rewarding good behavior and patience.&quot;</p> <p><em>Have you tried traveling with pets? Leave your best tips and recommendations in the comments!</em></p> <h2 style="text-align: center;">Like this Post? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F23-tips-for-traveling-with-pets&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F23%20Tips%20for%20Traveling%20With%20Pets.jpg&amp;description=23%20Tips%20for%20Traveling%20With%20Pets" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/23%20Tips%20for%20Traveling%20With%20Pets.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nora-dunn">Nora Dunn</a> of <a href="http://www.wisebread.com/23-tips-for-traveling-with-pets">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-retirement-hotspots-that-are-cheaper-now-than-ever-before">9 Retirement Hotspots That Are Cheaper Now Than Ever Before</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-get-free-or-almost-free-airline-tickets">10 Ways to Get Free (or Almost Free) Airline Tickets</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-you-can-do-in-denver-that-you-cant-do-anywhere-else">8 Things You Can Do in Denver That You Can&#039;t Do Anywhere Else</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles">The Best Credit Cards that Transfer Points to Airline Miles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel dogs pets travel traveling with dogs Wed, 19 Nov 2014 18:00:09 +0000 Nora Dunn 1256479 at http://www.wisebread.com Get Rich Walking Dogs in 9 Easy Steps http://www.wisebread.com/get-rich-walking-dogs-in-9-easy-steps <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/get-rich-walking-dogs-in-9-easy-steps" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man-husky-dog-507032611-small.jpg" alt="man with dog" title="man with dog" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Pressed for cash? Have feet? Then you, my ambulatory friend, should read about how to set up a thriving dog-walking business in nine simple steps. (See also: <a href="http://www.wisebread.com/earn-extra-income-with-these-15-creative-side-gigs?ref=seealso">Earn Extra Income With These 15 Creative Side Gigs</a>)</p> <h2>1. Take a Training Class and Get Certified</h2> <p>It's always a good idea &mdash; if you don't know what you're doing &mdash; to start with the basics, and in the case of dog walking that's taking a training class that offers certain certifications. I know what you're thinking &mdash; &quot;but, Mikey, I walk my dog all the time. I know what I'm doing.&quot; Good try, but the reality is your dog is not every dog, and you need to be prepared for emergency situations so you don't accidentally kill somebody's pet. That's a bad day at work, dude.</p> <p>When you've decided to get serious, check out <a href="http://dogtec.org/dogwalkingacademy.php">Dogtec's Dog Walking Academy</a>, an intensive four-day workshop leading to professional dog-walking certification. Dates and locations vary, but the academy is held all over the United States</p> <h2>2. Brand Your Business</h2> <p>Like the title above says, this post is about how to get rich walking dogs &mdash; not how to make chump change. Which means that if you want to turn this new endeavor into a bonafide business, you need to brand it. Choose a clever, perhaps even cute name for your dog-walking business; legally register it; and hire someone to create a logo and website for you, if you don't know how to do it yourself.</p> <p>These steps &mdash; which should be followed in that order, by the way; you don't want to create a logo for a business name that's already taken &mdash; will help you get started and begin to establish a presence in your market.</p> <h2>3. Design a Flyer Advertising Your Services</h2> <p>When you're up and running, you'll need to market your services. You'll do this online, of course (which I'll discuss in the next steps), but traditional, paper advertising is also a valuable way to get the word out. Entrepreneur Kyle Boureston started a dog-walking business in posh Orange County, CA, and he says the flyer is the foundation of starting your business. Here are his personal tips:</p> <h3>1. Tell Them About You</h3> <p>Most dog owners love their pet almost as much as they love their own family. Since you take their dog on an unsupervised walk around the neighborhood, there's a good amount of trust involved. Owners will want to know a little bit about you before they give away their dog. Be sure to include:</p> <ul> <li>Your name<br /> &nbsp;</li> <li>Your history with pets<br /> &nbsp;</li> <li>What street you live on &mdash; you don't need to give an exact address but saying that you live on a street that they're familiar with will make them a lot more comfortable.<br /> &nbsp;</li> <li>A little about you. For example, &quot;I love running, cooking, and Sunday football.&quot;</li> </ul> <h3>2. Include a Photo of You and a Happy Dog</h3> <p>This is the most important part of your flyer. In the ideal photo, you would:</p> <ul> <li>Be crouched next to an obediently seated dog. This shows that you have experience with dogs and would keep the dog safe when you walk together.<br /> &nbsp;</li> <li>Have a big smile on your face. A picture is worth a thousand words, so smile. This is one of the easiest ways you can look friendly, normal, and, most importantly, not sketchy or creepy.<br /> &nbsp;</li> <li>Have your hand placed gently on the dogs back. Like I said above, dog owners truly love their pets. They want their dog to be with someone who also loves dogs, and this simple hand placement will subconsciously tell the owner that their pet is in good, loving hands.</li> </ul> <h2>4. Distribute Your Ads in Your Neighborhood</h2> <p>Old-fashioned hoofin' it around town is the best way to distribute your professional flyers by placing them in the mailboxes of people in the vicinity you want to serve. Put on a good pair of shoes and carve out a few hours to do the legwork it will require to let your neighbors know you're in business. It's not only good exercise in anticipation of your first four-legged client, but you never know who you'll meet along the way by being out there in person as the face of your new business.</p> <h2>5. List Your Service on Craigslist and Similar Sites</h2> <p>In addition to traditional advertising, you also should advertise on sites like Craigslist and similar portals that are popular with people hiring folks to do non-traditional jobs. I also would recommend joining <a href="https://nextdoor.com/">Nextdoor</a>, a website that specifically caters to your neighborhood; it's a great way to get to know your neighbors and promote your service. Use social media to build brand awareness by posting blogs, using Facebook and Twitter to make business shout-outs, and definitely engage Instagram so you can post all the aww-worthy photos of the dogs with which you'll spend the day.</p> <h2>6. Sign Up for Doggie-Specific Websites</h2> <p>Just like there are sites solely dedicated to connecting parents with responsible, vetted care providers who will watch their kids, there also are sites that will connect you to pet owners looking for a walker or sitter.<a href="http://www.care.com/pet-care-p1087-q25299341.html"> Care.com has a pet component to it</a>, but there are also dog-specific sites like <a href="http://friend.dogvacay.com/x/Pn0cSD">DogVacay</a> and <a href="http://refer.rover.com/v2/share/6080167420330944787">Rover</a> that you can use as resources. I'm personally listed on the latter two sites, by the way. I just discovered them a few weeks ago, and I thought it would be a cool way to have a play date with my own dog, Jaxon, while making a little extra money.</p> <h2>7. Take Excellent Care of the Your Clients' Pets</h2> <p>Any new business can pick up clients in the beginning, but the real test is keeping them. How do you do that? By being the best darn dog walker this side of wherever you live.</p> <p>As a small business owner myself, I know the importance of executing my job at the highest-level possible along with impeccable customer service. Think about it &mdash; how many times have you personally boycotted a business because someone at the establishment was rude to you? Sucks, doesn't it? Don't be that person. As a dog walker, you have a huge responsibility to take care of your clients' best friends, go above and beyond the call of duty (or is that doody?), and return their pets safe and happy. That's your JOB. If you're not doing that, why are you in business? The answer to that question is this: You won't be for long.</p> <h2>8. Send Updates to Your Clients on a Regular Basis</h2> <p>Because you're taking care of something so precious to your clients, it's a good idea to send them updates on how their dog is doing in your care. While you're sending pics or video that will bring smiles to their faces, it'll also remind them that you're an active walker who's taking great care of their pet &mdash; and it shows.</p> <h2>9. Ask for Referrals From Your Clients</h2> <p>You can't get rich with an venture if you don't continue to drive business. In this industry, because it's very localized, it's important to make connections by networking and also asking for referrals from clients with whom you have a great rapport. They may have a friend or colleague in need of your services, and if you're the kind of dog walker I've detailed in this post, your clients will be more than happy to spread the word about you. Proceed with caution, however. You really need to gauge the situation well and know how to read people. If you're not particularly close with your client, it may not be the best idea to ask for a referral outright; perhaps leaving a few business cards is better method in that case. Don't hound anybody either. You should ask your clients to refer you one time and one time only. If they want to spread the word they will; if they don't, they don't. Nothing you can do about that &mdash; that's business.</p> <p><em>Did you build a successful dog-walking business? Do you have any tips for us? Please share in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/get-rich-walking-dogs-in-9-easy-steps">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter">How to Make $400+ a Week as a Pet Sitter</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-bodily-fluids-you-can-exchange-for-cash">5 Bodily Fluids You Can Exchange for Cash</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-i-make-800-on-month-on-ebay-selling-used-clothes">How I Make $800 on Month on eBay Selling Used Clothes</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-52-things-you-need-to-know-about-hosting-on-airbnb">Flashback Friday: 52 Things You Need to Know About Hosting on Airbnb</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income dog-sitting dog-walking dogs extra income pets side hustle Tue, 18 Nov 2014 18:00:07 +0000 Mikey Rox 1255270 at http://www.wisebread.com The 6 Least Expensive Dog Breeds to Own http://www.wisebread.com/the-6-least-expensive-dog-breeds-to-own <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-6-least-expensive-dog-breeds-to-own" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/beagle-dog-177523503-small.jpg" alt="beagle" title="beagle" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Pets can be a delightful addition to your household, but they aren't cheap, and dogs can be especially tough on families looking to save.</p> <p>If you're looking to bring a canine into your life, there's a lot to consider from a financial perspective. There's the cost to buy the dog, of course. But then it's important to factor in the <a href="https://www.petfinder.com/pet-adoption/dog-adoption/annual-dog-care-costs/">cost of ownership during the dog's lifetime</a>. There's food, visits to the veterinarian, grooming sessions, and insurance, as well as dog walking, daycare, and other services you may need. This can add up to more than $1,000 annually, and can truly skyrocket if your dog has serious health problems.</p> <p>The good news is that there are many dogs that, relatively speaking, can be bought and cared for without busting your household budget.</p> <p>We've provided a list here of dog breeds that are considered relatively inexpensive to own. They have a number of things in common: They are smaller in size, relatively easy to groom, and are generally pretty healthy. (Note that this list applies to purebreds only &mdash; mixed breeds will be even less expensive.)</p> <p>While many of these dogs are good-natured, they are also energetic and may give a beating to your carpets and furniture. So take that into account when factoring the cost of owning the dog.</p> <p>We've given each dog a &quot;Wags for Your Buck&quot; score, based on a 10 point scale and reflecting the total cost of ownership of the dog. (The more wags, the better value.)</p> <h2>Rat Terrier</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5123/rat-terrier-92283847-small.jpg" width="605" height="340" alt="" /></p> <p><strong>Cost to Acquire</strong>: May be had for as little as $200, but expect to pay between $400 and $600 in most cases.</p> <p><strong>Food</strong>: There are three sizes of rat terriers, but even the largest ones top out at under two feet tall and 35 pounds in weight. These dogs have no unique dietary needs, but some rat terriers do have allergies that may necessitate special food.</p> <p><strong>Grooming</strong>: Because of their short hair, rat terriers are among the easiest dogs when it comes to grooming. Just the occasional brushing to remove dead hair will suffice.</p> <p><strong>Health</strong>: These are generally healthy dogs and are not quite as susceptible to some of the genetic maladies that affect other smaller dogs. Some rat terriers have incorrect issues that may require surgery as dogs get older. Smaller Rat Terriers may be susceptible to hip dysplasia or dislocated kneecaps.</p> <p><strong>Wags for Your Buck</strong>: 7</p> <h2>Affenpinscher</h2> <p><img width="605" height="340" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5123/affenpinscher-dog-154381155-small.jpg" /></p> <p><strong>Cost to Acquire</strong>: These dogs can be purchased for several hundred dollars from breeders or rescues, but prices did go up after an Affenpinscher <a href="http://abcnews.go.com/blogs/headlines/2013/02/after-show-win-long-wait-for-affenpinscher-puppies/">won the Westminster dog show </a>in 2013.</p> <p><strong>Food</strong>: These are some of the smallest dogs around, usually topping out at about 10 pounds, so they won't eat you out of house and home. Half a cup of dry dog food should do the trick each day.</p> <p><strong>Grooming</strong>: Because these are small dogs, grooming is not a major chore, but they do have coarse hair that you'll need to take care of from time to time.</p> <p><strong>Health</strong>: Affenpinschers are healthy canines, but they can be prone to fractures and other orthopedic problems. Affenpinschers generally live about 11 years, which is a shorter lifespan than many dogs.</p> <p><strong>Wags for Your Buck</strong>: 7</p> <h2>Australian Terrier</h2> <p><img width="605" height="340" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5123/australian-terrier-dog-492261977-small.jpg" /></p> <p><strong>Cost to Acquire</strong>: These spirited dogs may not be easy to find unless you buy direct from a breeder. (I was unable to find any available to adopt in my area.) These are small dogs, but don't be surprised if you end up paying $750 or more for a puppy.</p> <p><strong>Food</strong>: Like Affenpinschers, these are small dogs that weigh in at less than 15 pounds.</p> <p><strong>Grooming</strong>: Petfinder.com suggests going in for a professional grooming about twice a year. Otherwise, trim around the feet and your dog should be in fine shape.</p> <p><strong>Health</strong>: Like other small dogs, Australian Terriers are generally healthy, but keep an eye out for fractures and hip dysplasia. These dogs live an average of about 11 years.</p> <p><strong>Wags for Your Buck</strong>: 8</p> <h2>Feist</h2> <p><img width="605" height="340" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5123/feist-dog-177253716-small.jpg" /></p> <p><strong>Cost to Acquire</strong>: These small and energetic hunting dogs can be had for under $200, possibly less if you find one to adopt.</p> <p><strong>Food</strong>: Feist dogs rarely top 30 pounds, so they won't eat more than a moderate amount, though you may find that they'll eat more than expected due to their energetic nature.</p> <p><strong>Grooming</strong>: Unlike other smaller canines, feist dogs are not particularly hairy, and so grooming won't represent a major expense. Just brush them regularly and remove any dead hair.</p> <p><strong>Health</strong>: These are healthy dogs, but they are extremely active, and therefore more susceptible to injury than other breeds. Life span is about 11 years, which is average for a dog this size.</p> <p><strong>Wags for Your Buck</strong>: 7</p> <h2>Beagle</h2> <p><img width="605" height="340" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5123/beagle-dog-177523503-small.jpg" /></p> <p><strong>Cost to Acquire</strong>: $500 to $850, though you may find one for less from rescues.</p> <p><strong>Food</strong>: Beagles are a bit larger than some of the other dogs on this list, but can still be fed for less than $10 a week. They stand anywhere from 13 to 15 inches, weighing in at 22 to 25 pounds.</p> <p><strong>Grooming</strong>: Beagles have short and smooth coats, so they don't require heavy grooming. They do shed, but that can be handled by brushing the dog at home a few times a week.</p> <p><strong>Health</strong>: Beagles are healthy dogs, but have been known to get some forms of cancer, and some do suffer from heart arrhythmia. Life expectancy is good, between 12 and 15 years.</p> <p><strong>Wags for Your Buck</strong>: 6</p> <h2>Foxhound</h2> <p><img width="605" height="340" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5123/foxhound-dog-178387735-small.jpg" /></p> <p><strong>Cost to Acquire</strong>: English or American Foxhounds can be bought for as little as $200, and may even be available from shelters and rescues.</p> <p><strong>Food</strong>: These hounds are larger dogs, coming in at between 65 and 75 pounds. So they will eat more than the small dogs listed here. However, they still can be fed for less than $25 a week.</p> <p><strong>Grooming</strong>: These are short-haired canines, for the most part. Frequent brushing will be needed, but fancy grooming isn't required.</p> <p><strong>Health</strong>: These are healthy dogs and are free from many of the <a href="http://www.dogbreedinfo.com/americanfoxhound.htm">genetic maladies that plague some pure breeds</a>.</p> <p><strong>Wags for Your Buck</strong>: 6</p> <p><em>What's your favorite breed or mix? How many wags for your buck does your dog give you?</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <div align="center"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-6-least-expensive-dog-breeds-to-own&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%206%20Least%20Expensive%20Dog%20Breeds%20to%20Own.jpg&amp;description=The%206%20Least%20Expensive%20Dog%20Breeds%20to%20Own" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <div align="center">&nbsp;</div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%206%20Least%20Expensive%20Dog%20Breeds%20to%20Own.jpg" alt="The 6 Least Expensive Dog Breeds to Own" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/the-6-least-expensive-dog-breeds-to-own">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-surprising-ways-your-dog-can-save-you-money">5 Surprising Ways Your Dog Can Save You Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-pet-expenses-that-arent-worth-it">4 Pet Expenses That Aren&#039;t Worth It</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-much-it-costs-to-own-a-dog">How Much It Costs to Own a Dog</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/pet-peeves-part-1-couture-critters-are-expensive">Pet Peeves Part 1: Couture Critters Are Expensive!</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ridiculously-overpriced-pet-products">10 Ridiculously Overpriced Pet Products</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living dogs pet ownership pets Mon, 13 Oct 2014 15:00:07 +0000 Tim Lemke 1231315 at http://www.wisebread.com