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Due to this inflation in pet health care many families have been forced into what is known as "economic euthanasia." This is when a person has to put down their pet that needs emergency surgery because they can't afford to pay the vet bill for the procedure.

Many people reading this are probably wondering how they can avoid falling into this very unfortunate situation and safe guard their pet and ensure he or she will receive the health care they need when they need it. There are a lot of unexpected accidents in life, and these accidents can end up sending you spiraling down into the pits of debt. Fortunately, there are options available to you that can help you afford proper health care for your family pet. What you need is to purchase a pet health care insurance plan.

This may sound like something that is brand new as many people have never heard of health insurance for pets. In reality pet health insurance has been around for over 20 years. It's just now starting to come to the forefront of people's attention due to the rising prices of pet health care. A health care plan for your pet will differ from company to company, and there are now many more companies that are catering to pet owners than ever before.

Taking care of a pet is a big responsibility and should be given proper consideration before just diving into being a pet owner. As a pet owner you are responsible for the complete care of your pet. This means your pet is totally dependent on you to take care of him or her and to make sure they have all their needs met. For example, it is up to you to feed your pet every day, to make sure they have water, that you spend time with them and make them feel wanted, and so on and so on. This responsibility also includes making sure your pet has proper health care. If you aren't sure you can afford to purchase a pet health care plan, perhaps you should hold off on getting a pet of your own until you can afford it.

There are a lot of different ways you can go about finding a solid health insurance plan for your pet. One of the best and almost unlimited resources you have available to help you find the right pet insurance plan is the Internet. The Internet is pretty much full of information on just about any topic you can think of. All you have to do is go to your favorite search engine and type in "pet health insurance plans." You'll see tons of results and it's up to you to do all the proper research to see which plans best fits your budget and your pet's needs. If you can afford the best, then get the best. If not, anything is better than nothing.

You may also want to contact your current health insurance company as they may also feature insurance plans for your pets as well.

Remember it is important to make sure that your pet has all the health care he or she needs in order to live a happy, healthy life. Just remember that your pet is not just simply an animal, but is a member of your family.

The Author is the happy owner of a pet health and insurance site called Pet Insurance Pro where he shares a lot more information on pet health, pet fitness and pet longevity. Read the latest article on VIP Pet Insurance.

Homeowners insurance is a type of insurance policy that combines many different types of protection applied to your home. The types of protection built into these policies include losses occurring to your home and its contents, loss of use, loss of other personal possessions of the home owner, cost of additional living expenses such as hotel costs, as well as liability insurance for accidents that may happen in the home.

Costs

The cost of obtaining homeowners insurance depends on what it would cost to replace the house, as well as other items that are insured. The payment from the insured person to the insurer is called a premium. If you are the one purchasing insurance, you must pay the premium to the insurance company according to the type of payment schedule in your contract.

When calculating the amount of premium you must pay, the insurers take into consideration the likelihood of potential major damage or costs. Most insurers generally charge a lower premium if it appears that the insured property is less likely to be destroyed or damaged. For example, if your house is situated next to a fire station or is equipped with a sprinkler system and fire alarms, your premium will likely be lower than houses without those products and houses located far away from fire stations.

Required insurance for homeowners

Most home buyers borrow the cost to purchase their home in the form of a mortgage. In most cases, the mortgage lender requires the buyer to purchase homeowners insurance as a condition of the loan in order to protect the bank if the home were to be destroyed. Anyone with an interest in the property should be listed on the insurance policy in order to protect his interest in it. If not, his assets will not be covered in case of damage or loss.

Homeowners Insurance provides detailed information on Homeowners Insurance, Homeowners Insurance Coverage, Homeowners Insurance Quotes, Homeowners Insurance Companies and more. Homeowners Insurance is affiliated with Instant Home Owner Insurance Quotes.

A repossessed cars sale most often occurs at a public auction. There are some occasions where sales take place at other places but these would account for only about 10% of the market. So it's best to concentrate on where the 90% of sales occur to get the best bargain!

Before I give you the tips it's a good idea to give a bit of background why auctions are used and the type of cars that are placed there for sale as that way the tips that I mention will make more sense.

Cars are repossessed when a person or a corporate entity fails to keep up with payments on an outstanding loan or doesn't pay taxes to the government. There is also a different terminology used in both cases but they mean the same thing. A lending company/bank repossesses property either a car or real estate, the government or the police 'seize' the property. So when you here about auctions that are selling repossessed cars or seized cars they mean the same thing!

If a car has been repossessed the lending company rarely puts a 'reserve' (minimum price), this is because the outstanding debt is likely to have been repaid by insurance taken on the loan. Likewise, if the car has been seized by the police or a government body there is also likely to be no reserve on the car.

So what does this mean for you?

It means that the final bid accepted in the auction is likely to be accepted no matter how low it is irrespective of the condition and age of the car. This is one of the reasons why on average it is estimated that cars bought at auction are usually up to a 40% discount from what you would get at you local car dealership. So as you can probably guess if you attend an auction you may just 'bump' into your local car dealer as he buys cheap stock to sell to you at a more expensive price! That is why many of the 'rumors' that are spread about auctions abound - these guys don't want to be out of business!!

Ok so now we have set the scene:

Tip #1

Go to your local auction - one that advertises when there is going to be a repossessed cars sale or a seized car auction. This is the first place where you are going to find the bargains.

Tip #2

Do some research on prices. Decide on a price for the model you are looking at and stick with it don't get involved in a bidding war as you'll end up with an expensive car and no bargain. Check the car over, check the engine, the interior ( a good indicator whether the cars' had a hard life) and the bodywork for misaligned or color mismatched panels (indicative of accident damage). Then bid!

Tip #3

Don't be impatient. Most bargains are got at the end of the auction when most of the buying has been done and there is a smaller playing field. I've always stayed towards the end when I've bought my cars and I've managed to get some good ones. Remember there's going to be hundreds of cars in the next one. Also before I forget - auctions that are held in the morning are better than evening ones because it tends to be people in the car trade that go to these ones. Ones held in the evenings or late afternoon tend to attract private bidders who tend not to know the market and bid a bit higher.

Where can I get to the nearest repossessed cars sale?

You can look in the classifieds or you can pay about $35 for membership to a site that will list specialist auction houses near you.

Did you know that you can save up to 90% by buying your car at Auction?

Find out exactly where to get to a repossessed cars sale by visiting Car Auctions Reviewed.Com.

I am always going on business trips for work. The one thing I cannot travel without is my trusty laptop. As much as I love my MacBook, it is always an annoyance having to put the laptop through security, carry it with me around the airport, and finally, get it, along with myself, onto the plane. Normally it is not a question for me; I always bring my laptop as a carry-on. However, on my most recent business trip I decided that because I was not planning to do any computer work on the plane, there was no reason to carry it with me. I regrettably checked it in with the rest of my luggage. This was the worst mistake I could have made. For a seasoned business traveler, this may seem like a blunder only a novice would make. However, sometimes we all need a little reminding. I hope by relaying my story, I can save you from making the same mistake I did.

A laptop is an extremely valuable portable device. Whether you are in the office or on the go, it can quickly provide you with access to important data, information, and software. However, it is for these same reasons that laptops are of great interest to thieves, and, consequently, highly vulnerable to theft. In fact, the Safeware Insurance Group reported that in the US, laptop owners have a 1 in 14 chance that their laptop will be stolen. Of course, I am aware that laptops are a prime target for theft, but I thought it would be perfectly safe in my suitcase. I could not have been more wrong. Just because it was packed amongst my business suits and collared shirts did not mean it was protected. The fact is that you really must be aware of where your laptop is at all times, and, if it is checked in with the rest of your luggage, you are violating this simple rule. You have absolutely no idea who may be handling it or where it may end up. By naively deciding to check my laptop along with the rest of my luggage, I was in a sense setting myself up for it to be taken. What is more, the scariest part about having your laptop stolen is the fact that your confidential data inside is now accessible to a thief. Who knows the intentions of a thief? Needless to say, once I discovered my laptop had been taken, I was scared.

I know it may seem like a big hassle having to unload your laptop just to make it through security, but I promise you this: unloading your laptop at the security gate in an airline is only a minor inconvenience in comparison to the trouble that comes with a stolen laptop.

Filing a police report, working without your important files, and worrying someone may be committing identity theft with your personal information are inconveniences to avoid at all costs.

What is the easy solution? Get a computer case. I recently purchased an excellent computer case that not only securely holds my laptop, but also has room to store the other essential carry-on items I need during the flight. I love it because in addition to being very compact and portable, it is also quite fashionable. Having a computer case lets me check-in my one piece of luggage worry-free because I know my laptop is safe and secure by my side.

Still, even when you make the safe choice and carry your laptop onto the plane, there are a few things to be aware of while traveling. Make sure and keep a close eye on your laptop while it is on the conveyer belt at the security gate - and don't forget to pick it up again after it has passed through security. Finally, keep your laptop near you on the plane - at your feet or in a locked case stowed away in the overhead compartments - and be aware of your surroundings at all times.

Casey Phillips is a freelance writer from Sacramento. In her spare time she likes to travel and see the world. If you are shopping for new carry-on luggage, check out Innovation Luggage

The good news for adventure travel and wilderness hiking trails is that the USA has protected some of the most unique and incredible places to see on earth. Our National, State Parks, Monuments and Wilderness Areas are awesome, but for years there have been reduced number of visitors. Many citizens have said that a four-year program to increase national parks entrance fees to make them more uniform may discourage some Americans from visiting their national parks such as the Grand Canyon, Yosemite, Zion and Yellowstone.

The National Parks have been faced with a budget crisis. The parks are struggling to protect the historic, cultural and natural resources that the parks were created for. The parks are short of funds for operating facilities, repairs to roads, bridges, trails and buildings. There was an 814 million dollar shortfall in 2006. There are almost 400 areas of protection covered by the National Parks Service. Almost every park has fewer full time employees now than in 2001, while there were over 273,000,000 visitors to the parks in 2005. The park service needs more funding to provide education, interpretive and for the safety requirements of their visitors. This is a time of controversy about park fees, current plans for oil, gas and mineral exploration in our parks and of course removing the OShaughnessy Dam to restore the Hetch Hetchy Valley in Yosemite.

Recently the federal government has moved to replace the National Park Service's $50 annual pass with a new $80 multi-agency pass. Some people think that the fee increases are getting out of line. The park service raised entrance fees at 34 parks over the past two years and plans to raise them at another 124 parks in 2008 and 2009. At Glacier National Park in Montana and Joshua Tree National Park in California, the fees will go up twice, and beginning in 2011, park officials plan to increase fees every three years, based on inflation. There is a proposal to double entrance fees next year at Crater Lake National Park, now $10 per car. Will it drive the local visitors away? In 1997, when the park service began raising fees, the number of national parks visitors has fallen 1% while entrance fee revenue has gone up almost 16%. Many of them are from outside the United States and love to visit the American protected lands.

Will the National Park Centennial Act to rescue our parks before 2016 the 100th anniversary of the National Park Service? The acts purpose is to eliminate the annual operating deficit and maintenance backlog in the national parks. If it passed, it was to create a check off box on American tax returns to fund the parks. As H.R. 1124 and S 886 it did not get passed in 2006. In spring of 2006 the Government Accountability Office (GAO) issued a report about our National Parks based on research, to the House Interior Appropriations Subcommittee that found that funding had not kept pace with need, requiring park managers to reduce services including, reducing visitor center hours, educational programs, basic custodial duties, and law enforcement operations, such as back-country patrolling. Additionally, the park system has been forced to close campgrounds, shorten operating hours, eliminate many interpretive programs, lay off many seasonal rangers, and eliminate many of the parks' scientific studies programs.

So wheres the good news? Being an outdoor writer and avid traveler to our parks and wilderness areas Bob Therrien, President of TrainingPASS Sales, Inc. has created an outdoor recreation message board, he commented The hardest part over the years, for me has been the research about which parks, hikes, climbs, locations and activities I want to visit with my family and friends. Exploring federal then state website after site, then mapping the distance from each area of interest is inefficient and many times lacking in information. To solve that inefficiency we have collected all the basic information about our parks, wilderness areas and national monuments and put them into one website. I dont personally have a problem with the new park fees. It costs me more to take my family to the movies, and Id rather enjoy a full day or two at a place like Denali National Park.

The USA has incredible adventure travel wilderness and hiking trails. To promote these areas AdventureZoneTOURS created a forum for sharing trip reports on National Parks, State Parks, National Monuments and Wilderness Areas.

The Outdoor Adventure Message Board opens up to reveal a listing of U.S. States, separated into travel regions. Click on any state region and there are sub forums for all the parks, monuments and wilderness areas in that region. Many times there are several interesting choices to pick from within a state region. For the activity-specific minded, AdventureZoneTOURS.com encourages users to share trip reports for a variety of outdoor activities from hiking, climbing, canyoneering, geo exploring, photography, ghost towns, mines, and cave to water sports such as boating, fishing, jet and water skiing, tubing, rafting, and scuba. Winter travel sports such as snowmobiling, skiing and snowboarding are featured. Hunting locations, ATV and horseback trails as well as the most scenic areas for outdoor photography are also available as individual topic posts. To research or share your favorite adventure travel location, and to share and promote outdoors, join us today!

Bob Therrien is a travel writer and has traveled all over North America. He currently operates the website at http://www.adventurezonetours.com The website has all the National Parks, National Monuments, State Parks and Wilderness Areas in one spot for research, sharing and message posts.