Sunday, July 21, 2019

Pet Insturance

Dogs & Cats Are Family Members. Should You Protect Them with Pet Health Insurance? Pets are family. You protect them like they're your own (furry) children; feeding, bathing, and even clothing them. When your four-legged friend is hurt or sick, you worry about their wellbeing and, unfortunately, whether or not you can afford the bill. Sticker shock is all too real for those faced with a triple- or even quadruple-digit debt to their veterinarian. Boston terrier Bandit racked up quite the bill when he gulped down a pacifier, requiring emergency surgery. Typically, the procedure would cost Bandit’s parents over $1,000; instead, Healthy Paws Pet Insurance reimbursed his pet parent, Karey Lynn Jones, $999. "I would rather lose my house than put my dog to sleep over something like this," says Jones. "But I understand how some families or owners may have to make a tough decision like that." Pet medical care is becoming more expensive due to advances in veterinary technology. As a result, more people are choosing to protect themselves from unexpected veterinary bills with a quality pet health insurance plan. A little research on PetInsuranceReview.com yields Healthy Paws Pet Insurance as the favorite in the category. It's the #1 customer-rated pet insurance plan due to their commitment to customer service and support, as well as access to the best pet insurance coverage available.
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Saturday, July 20, 2019

New Cars

Ready to buy that new car? No! No! If you buy that new car and do not pay cash you will be in debt. Are you ready to work for someone else for 3-7 years to pay off that car. Not me! That new car will lose value the moment you drive it off the lot. In addition if you choose to listen to the sales person and lease that car you will only have it for 3 years and you will pay very high interest.

The better solution is to purchase a used car that is 3 to 5 years old and pay cash. Don't have the cash, then you need to save for it. Another solution to pay cash is to purchase a much older used car. As an example my wife and I purchased a 2004 BMW 305i for my son. We paid $4,900 for it. It is excellent condition and when we bought it we were given all of the service records for it including repairs that were made to it. Not only that the owner had the window sticker showing all of the equipment and the original price for the car.

When purchasing that used car be sure to have a mechanic check it out for you. If  the seller will not let you take the car to your mechanic see if your mechanic will go to the sellers location with you to check out the car.

I have a Toyota Camry that is 17 years old that still runs great. I did buy it new before I understood what happens when you buy a new car on time. I would like a newer car but I am choosing to repair the mechanical problems the car and continue to drive it. A car is transportation, nothing more. As long as one can put up with doing repairs the very best deal for a car is to keep the one you have until it just is super undependable. My thought are keep repairing it until you get to a threshold where the repairs each month equal about $250 a month average.

Another tip: anything you have with wheels should not be worth more than 50% of your annual household income.