Pet sitters are healthier than boarding

As an owner of two cats, I soon realized that it is very difficult to get them to go into their carrier. It didn’t matter that I bought the most spacious, swankiest carrier that I could find; they still hated going into that carrier no matter what I tried. So, having a pet sitter makes much more sense than trying to take them to the vet for boarding. Pet sitters are an excellent option if your pet does not like to travel or is more comfortable at home. Both of my cats tend to get stressed out if they are moved too much, which causes them to have more hairballs than they normally would.

As Walk ATX Pet Care explains, choosing a pet sitter can be healthier for a pet than a boarding or kennel option. Why is this the case? Staying in a pet’s usual environment eliminates stress from being in a new environment, helps maximize one-on-one attention, and helps maintain normalcy. From my own experience, I can see how much less stressed by cats are when they are in their own environment versus when they are boarded at the vet. Now that both are older, I make the conscious decision to keep them at home so that they are more comfortable because they are accustomed to the surroundings and can receive individualized attention.

Pet sitting seems like a pretty sweet gig. I started to wonder how I could get involved in pet sitting to make some extra money. According to Cathy Rosenthal, a columnist at the San Antonio Express, getting into pet sitting is a breeze since there is no official license needed to become a pet sitter. The job also does not require a lot of experience, although it’s best if you love animals and want to learn more about them.

You can sign up with a number of sites, including Pet Sitters International, to get started. There are also options to take a pet first aid class to prepare yourself for any emergency while pet sitting. Taking this class could help save a pets life.

With Pet Sitters International, you have the option of taking their online course to become a certified pet sitter. While the certification is not a requirement, you may learn quite a bit about pet behavior and health problems as well as the ins-and-outs of running your own pet sitting business.

When setting up your own business, you have to decide how much money you want to charge clients for your time. Walk ATX Pet Care charges between 15 and 18 dollars for a daytime visit and 45 dollars for overnight stays. This service also includes other activities like watering plants, rotating lights, feeding fish, taking out trash, and bringing in mail and/or newspapers daily.

You also need to decide where you want to pet sit. Since 60 percent of Americans own a pet, you might have a thriving business in your own neighborhood. If you want clients to come to you, try signing up with Rover.com or Dogvacay.com.

Overall, pet sitting is the best option for pets who are anxious and do not like kennels or other boarding establishments. Since so many people have pets, you might consider starting your own pet sitting business to make some extra income.

Questionable Moves by Long-term Disability Insurance Providers

Insurance companies are not charities. They are businesses. As such, they will do anything they can to put in as much money as possible and put out as little as possible. So, when you are claiming for a long-term insurance coverage, you should be wary of certain insurance company behaviors.
Some moves look like they will benefit you, but they will actually cause you more harm. There are moves where you don’t get what you rightfully deserve. This can be an ethical and legal dilemma, and it all boils down to money.

Making outrageous demands

If you are filing a long-term disability insurance claim, arguably the most important thing to have is medical evidence that you are truly disabled. This may include regular visits to a specific physician, medical records from this specific physician, and official opinions from, again, this specific physician.
But there are instances where insurance companies will make more demands, often unnecessary and outrageous, so you will be discouraged in pursuing your claim.

Delaying the claiming and granting process

Insurance companies really want to discourage you in pursuing your claim. Aside from making outrageous demands, they may also delay the entire process to achieve their goal. It may be understandable if the process is taking much time, but if there are suspiciously frequent delays, such as in terms of getting the proper documents and studying them, you should be suspicious.

Denying valid claims

Even legitimate long-term disability insurance claims can get denied. There are many reasons for this, like when the insurance company has overlooked some aspects of your claim, such as the severity of your medical condition, or when you have not provided enough medical evidence to make your claim stronger.
But there are times when even the claims that are properly written, timely submitted, and sufficiently backed by medical evidence can be denied, and that can be suspicious. But at least, according to the website of Fields Disability, those who have denied claims can make appeals.

Damages from Dog Bites

Dogs are the most popular pets. This also means that the animal attacks people are most vulnerable to are dog bites. Dog owners have the responsibility to make sure that their pets are properly restrained and are not easily accessible to prevent accidents such as dog biting.

According to the website of the Milwaukee dog bite lawyers of Habush Habush & Rottier S.C. ®, dog owners may be liable for any damages resulting from the injuries that the dog causes to the victim. The most common damages inflicted by dog bites are listed below.

Dog bite injuries
The most obvious damage that can be sustained from dog bite accidents is injury. If the bite is strong and deep enough, it may cause nerve damage, giving you limited mobility and pain even after the wound has healed. Deep wounds can also be prone to infections, because dogs tend to have dirty teeth from eating and licking unclean materials.

Hospital costs and other treatment expenses
Whether the injury sustained is serious or not, you need to consult a medical professional because of the risks of dirt, infections, and other complications such as rabies. Medical costs can reach up to thousands of dollars, and the typical family may not be able to afford it.

Loss of earning capacity
Getting injured because of a dog really has a financial toll. You have medical costs to cover, and at the same time, you may lose time at work because the injury has physically limited you. You can even lose your job if you miss too much time or if you fail to deliver your services adequately because of your injury. This can be problematic if the victim is the primary earner in the family.

Pain and suffering
Injuries are not just painful. They can also cause emotional and psychological problems, such as post-traumatic stress disorder. You may experience anxiety, depression, flashbacks and nightmares about the traumatic event, and extreme fear of dogs. This can greatly affect the quality of your life and how you enjoy it.

Permanent scarring or disfigurement
Dog bites, particularly those that are big and deep, can leave a permanent scar on you or disfigure the affected body part. The situation is even worse if the injury is in the face, as it can affect even your self-confidence.

Premises Liability – The Extent of a Property Owner’s Responsibility

One very common accident which can cause injure to any one is slip and fall. This accident can occur anywhere, in a public or a private place, and can cause injuries, which can be as simple as a minor bruise, or as serious as a fractured wrist or elbow or spinal column injury.

The National Safety Council (NSC) says that more than eight million slip and fall accidents occur in the United States every year. The most common causes of these accidents include: wet, oily, icy or slippery floors or surfaces: uneven, loose or broken floors, steps, sidewalks or stairs; a defective staircase; unsecured rugs or carpets; or hidden or tangled extension wires.

While one would ordinarily put the blame on those who slip and fall and say that the accident and their injuries are results of their not being careful, for personal injury lawyers or slip and fall accident lawyers, the blame could rather be imputed on the owner of the property.

Slip and fall accidents are filed as premises liability cases, with premises liability referring to a landowner’s accountability for injuries suffered by persons on his/her property due to a defective or unsafe condition. Injury resulting to slipping, tripping or falling, is not the only scope of a premises liability lawsuit, though; it also injuries caused by falling objects, electrocution, open excavations, broken chairs, and so forth.

The extent of a property owner’s responsibility and liability to injuries sustained depends of classification or those who enter his/her premise. These classification refers to the three classes or categories of visitors: invitee, licensee and trespasser.

An invitee may refer to a friend, a relative or a neighbor, who has the landowner’s expressed or implied permission to enter his/her property. A licensee refers to a person who has the landowner’s expressed or implied permission to enter the property. Examples of a licensee include a party guest, a family friend, or a person who enters a store to ask about something or to retrieve something. A trespasser is a person who has no authority, whatsoever, to be on someone else’s property. Thus, being on the property illegally, the owner owes him/her no responsibility if ever he/she gets injured (unless he/she is a child).

According to the Karlin, Fleisher & Falkenberg, LLC, law firm, in some states, like in Chicago, for instance, property owners have a legal obligation to reasonably maintain the safety of their premises. A property owner who fails to do so and if the slip and fall accident victim will be able to prove that the property owner knew, or should have known, about the dangerous condition that caused his/her accident, then it would be wise to pursue compensation through a lawsuit.

Mortgage Modification

Mortgages last a long time and it is very common that unexpected life events happen that may change the ability for you to make your mortgage payments. That’s plenty fair, and many lenders understand that as well. Mortgage modification exists so that the uncertainty of life can be slightly accounted for. In order to enable an individual to continue to make payments, creditors can be willing to renegotiate your contract so that it is more accommodating for the debtor to complete. After all Some form of payment is better than none.

The 2008 Recession left in its wake The Home Affordable Modification Program (HAMP), and with it applying to modify home loans became much easier. Created to help struggling home owners in the U.S., it allowed for loans to be modified by offering a reduced mortgages by fixing interest rates, extending payment terms, and reducing interest rates completely. However, mortgage modification is not to be confused with refinancing a home. With refinancing, a home owner seeks to replace the loan completely and is a permanent change of contract, often times through a new creditor. Mortgage modification is handled under the same lenders and is a temporary fixture before normal mortgage payments can be resumed. Mortgage modifications are typically sought if refinancing cannot be achieved but it is still a viable alternative to those with bad credit.

Mortgage modification is a great way to find temporary asylum from high mortgage rates, and with it homeowners can be saved from the risk of foreclosure. According to Bradford Law Offices, PLLC, mortgage modification can even reduce the principal amount owed or waive some of the accrued interest. There are a lot of financial tactics out there that exist to assist people who struggle financially, such as HAMP, and it would be simply foolish not to utilize them whenever the need arises.