I've seen several of the comments I read below mention the same thing: "I didn't read the fine print" or "I didn't understand what I was getting." This is a common mistake people who are looking for pet insurance make. I almost did the same thing when shopping for insurance.
Instead, I took at TON of time researching, reading... even contacting the pet insurance companies myself to ask questions. I just recently decided to put all my findings online so I created a website to help people who are shopping for pet insurance.
The thing with VPI is that they pay on a predetermined schedule, not based on a % of your vet bills. I doesn't matter what the vet charges you, VPI will only pay 80%-90% of THEIR predetermined fee schedule. As long as you understand that going in, it's fine. But most people don't understand it.
VPI isn't the only company that pays on a schedule.
You also have to be careful of the type of deductible insurance providers use. There are 2 types: per incident and annual.
With per incident, you pay the $100 or $250 or whatever deductible every time you go to the vet for something new. With annual, you pay once very year.
I have pet insurance on my cats and love it. Even if you don't go for the policy that covers everything, you can get a policy like mine. It's injury only and costs me $9/mth. If something horrible happens that we can't afford, we're covered.
Freecycle.org is a great way to get or get rid of "stuff" that would otherwise get thrown in a landfill. I've gotten rid of literally tons of stuff. Last week I gave somebody a CRT monitor.
No, I don't use business cards, because I've never thought of using them. I should get some cards with my name, phone number, and email address so that I can pass them out to acquaintances.
Trying to replicate what you see on TV is silly and pointless. It is not necessary to buy 100 of something when you will only use 6 of them before the sale/coupon cycle brings it back again. Use the experience of other couponers who have been through a year or more of sales cycles and can tell you when to stock up. There are a lot of web sites that do that for you.
For $20 you should have been able to get 100 coupons on eBay - you can't pay so much that the cost of the coupons eliminates the savings, that makes no sense! Also, unlike what you see on TV, the key to buying in bulk (stockpiling) is buying products you will actually use. Buying a lot of items you don't need is the opposite of what you should be doing! You buy just enough to get you to the next time it's available on sale with a coupon at a rock bottom price. For example, we just went through the holiday season and a lot of items came on sale that are popular during this time - canned veggies, baking supplies, etc. Since these come up only once or twice a year, you may consider getting enough to last 6 months to a year or as many as you can afford without taking away from your budget for needed items. I stocked up on flour, sugar, oil, shortening, cranberry sauce, canned corn and green beans (which we eat a lot of.) I got the Green Giant canned veggies for 34¢ each (reg. $1.24 or 59¢ if I had bought generic), even after purchasing the 20 coupons on eBay.
Also, clipping is unnecessary - just save the whole insert with the date on it in a file carrier and go to a web site or blog that reports what is on sale that week at your store. They will tell you in which insert to find the coupon you need.
Extreme couponing is not for most people. But you can take a LOT of the methods, scale them down to real life and save a lot of money But you have to shop SMART and don't fall into the trap of trying to copy what you see on TV - that usually isn't even smart shopping - it's just extreme. And extreme is rarely practical in ANY situation.
Thanks for your comment. I agree - it's extremely important to take steps now if Alzheimer's runs in your family. I did the research for my mom but I'm definitely implementing these tips into my own routine as well.
Plus - who doesn't want to be a little smarter right? :)
You're right - research does show a link between cognitive function and our intake of omega 6s and yes, almonds do have a high content of those. But the research also show that some omega 6s - especially those that are bound up in whole foods with other nutritional content (i.e., antioxidants, omega 3s, minerals, vitamins, protein, etc.) are okay and in fact, can reduce overall inflammation and risk of various diseases.
What the studies reveal is that our ancestors were virtually free of diseases like cancer and heart disease and that at that time, their ratio of omega 6s to omega 3s was between 1:1 to 4:1. When the industrial revolution kicked in, we skewed that ratio by increasing our consumption of high omega 6 foods like vegetable oil and that's a diet we continue to follow today.
In addition, eating "damaged fats" such as roasted almonds would be worse for you than eating those almonds in their natural state. Obviously, as the research changes, so will our understanding of what works and what doesn't, but for now, the theory is that almonds and other nuts are good for you and your brain... they just shouldn't be your primary food source.
Yes. I have used business cards and continue to use them. I use them when I am networking and also when I meet people for the first time and the conversation become lengthy. I also use them when I need to jot down notes when I do not have a spare piece of paper. I keep a few in my wallets, several in my car and a number of them in my portfolio and my computer briefcase.
Thanks for your comment. Thats so very true... I've had the same issue myself but its hard to give up the automation. In fact, I love all my to-do list apps just because they help me remember things that I don't want to use "brain-space" for, but obviously there's a downside to becoming too reliant on that convenient technology :)
I use business cards that are mostly blank, except for my name and email address printed (in a classy font) at the top of the card. That way I can write in info for each person I hand them to. Apparently it's more memorable for people so they are more likely to remember me.
andy, you said at your expense, mogi had you open the engine in case they don't pass the failure. what failure, and why at your expense? if an auto shop says its the engine don't they send out an agent to verify? if there are no preinspections when obtaining there coverage and they are taking your money, why are they questioning you when its time to pay out the money?
Although this is an old post, someone else may stumble across this like I did, so I wanted to correct this point. Hearing aid batteries are a totally different zinc air formulation. The air powered by the interaction of air with zinc when the tab is removed from the battery. Although they look similar, they are a totally different chemistry than a silver oxide battery and can not be substituted.
Yes, I have used them in the past. When I was an Avon rep, I would include my card with their purchase then later realized it was a waste considering my information was on the booklets.
I liked UPrinting.com on Facebook.
I use business cards to connect widows with one another and to send people to my blog.
I use business cards for our small business. I always hand them out to potential clients and friends.
I've seen several of the comments I read below mention the same thing: "I didn't read the fine print" or "I didn't understand what I was getting." This is a common mistake people who are looking for pet insurance make. I almost did the same thing when shopping for insurance.
Instead, I took at TON of time researching, reading... even contacting the pet insurance companies myself to ask questions. I just recently decided to put all my findings online so I created a website to help people who are shopping for pet insurance.
The thing with VPI is that they pay on a predetermined schedule, not based on a % of your vet bills. I doesn't matter what the vet charges you, VPI will only pay 80%-90% of THEIR predetermined fee schedule. As long as you understand that going in, it's fine. But most people don't understand it.
VPI isn't the only company that pays on a schedule.
You also have to be careful of the type of deductible insurance providers use. There are 2 types: per incident and annual.
With per incident, you pay the $100 or $250 or whatever deductible every time you go to the vet for something new. With annual, you pay once very year.
I have pet insurance on my cats and love it. Even if you don't go for the policy that covers everything, you can get a policy like mine. It's injury only and costs me $9/mth. If something horrible happens that we can't afford, we're covered.
Yes - still use em. They are great for helping to spread the word, place to jot a number down and for entering contests :)
I'm trying to follow your logic; are you saying that roads would not exist without taxation?
Freecycle.org is a great way to get or get rid of "stuff" that would otherwise get thrown in a landfill. I've gotten rid of literally tons of stuff. Last week I gave somebody a CRT monitor.
I liked UPrinting.com on Facebook (Annette E)
No, I don't use business cards, because I've never thought of using them. I should get some cards with my name, phone number, and email address so that I can pass them out to acquaintances.
Trying to replicate what you see on TV is silly and pointless. It is not necessary to buy 100 of something when you will only use 6 of them before the sale/coupon cycle brings it back again. Use the experience of other couponers who have been through a year or more of sales cycles and can tell you when to stock up. There are a lot of web sites that do that for you.
For $20 you should have been able to get 100 coupons on eBay - you can't pay so much that the cost of the coupons eliminates the savings, that makes no sense! Also, unlike what you see on TV, the key to buying in bulk (stockpiling) is buying products you will actually use. Buying a lot of items you don't need is the opposite of what you should be doing! You buy just enough to get you to the next time it's available on sale with a coupon at a rock bottom price. For example, we just went through the holiday season and a lot of items came on sale that are popular during this time - canned veggies, baking supplies, etc. Since these come up only once or twice a year, you may consider getting enough to last 6 months to a year or as many as you can afford without taking away from your budget for needed items. I stocked up on flour, sugar, oil, shortening, cranberry sauce, canned corn and green beans (which we eat a lot of.) I got the Green Giant canned veggies for 34¢ each (reg. $1.24 or 59¢ if I had bought generic), even after purchasing the 20 coupons on eBay.
Also, clipping is unnecessary - just save the whole insert with the date on it in a file carrier and go to a web site or blog that reports what is on sale that week at your store. They will tell you in which insert to find the coupon you need.
Extreme couponing is not for most people. But you can take a LOT of the methods, scale them down to real life and save a lot of money But you have to shop SMART and don't fall into the trap of trying to copy what you see on TV - that usually isn't even smart shopping - it's just extreme. And extreme is rarely practical in ANY situation.
LOL... you need a list to remember where you keep your lists ;)
Hi Thad,
Thanks for your comment. I agree - it's extremely important to take steps now if Alzheimer's runs in your family. I did the research for my mom but I'm definitely implementing these tips into my own routine as well.
Plus - who doesn't want to be a little smarter right? :)
Thanks James - and I agree. Sudoku is both challenging and addictive... a great way to give your brain a workout.
LOL... you're to-do list sounds like mine... I've got a bunch of "sometime" items on there :)
Hi Clay,
Thanks for your comment.
You're right - research does show a link between cognitive function and our intake of omega 6s and yes, almonds do have a high content of those. But the research also show that some omega 6s - especially those that are bound up in whole foods with other nutritional content (i.e., antioxidants, omega 3s, minerals, vitamins, protein, etc.) are okay and in fact, can reduce overall inflammation and risk of various diseases.
What the studies reveal is that our ancestors were virtually free of diseases like cancer and heart disease and that at that time, their ratio of omega 6s to omega 3s was between 1:1 to 4:1. When the industrial revolution kicked in, we skewed that ratio by increasing our consumption of high omega 6 foods like vegetable oil and that's a diet we continue to follow today.
In addition, eating "damaged fats" such as roasted almonds would be worse for you than eating those almonds in their natural state. Obviously, as the research changes, so will our understanding of what works and what doesn't, but for now, the theory is that almonds and other nuts are good for you and your brain... they just shouldn't be your primary food source.
Yes. I have used business cards and continue to use them. I use them when I am networking and also when I meet people for the first time and the conversation become lengthy. I also use them when I need to jot down notes when I do not have a spare piece of paper. I keep a few in my wallets, several in my car and a number of them in my portfolio and my computer briefcase.
Hi Yazmin,
Thanks for your comment. Thats so very true... I've had the same issue myself but its hard to give up the automation. In fact, I love all my to-do list apps just because they help me remember things that I don't want to use "brain-space" for, but obviously there's a downside to becoming too reliant on that convenient technology :)
Kate
I use business cards alot. Great to pass out at conferences and meetings.
Invisible Hand works well with Chrome browser
I occasionally use business cards at conferences, but I usually just put their information in my phone and look them up later on LinkedIn or Facebook.
I use business cards that are mostly blank, except for my name and email address printed (in a classy font) at the top of the card. That way I can write in info for each person I hand them to. Apparently it's more memorable for people so they are more likely to remember me.
andy, you said at your expense, mogi had you open the engine in case they don't pass the failure. what failure, and why at your expense? if an auto shop says its the engine don't they send out an agent to verify? if there are no preinspections when obtaining there coverage and they are taking your money, why are they questioning you when its time to pay out the money?
I don't have them as of now but working on a design to use for my part time business. Could use some help with that.
Although this is an old post, someone else may stumble across this like I did, so I wanted to correct this point. Hearing aid batteries are a totally different zinc air formulation. The air powered by the interaction of air with zinc when the tab is removed from the battery. Although they look similar, they are a totally different chemistry than a silver oxide battery and can not be substituted.
Yes, I have used them in the past. When I was an Avon rep, I would include my card with their purchase then later realized it was a waste considering my information was on the booklets.