Delay Delivery Insurance

Protect Yourself for a Successful Move

This content shows Simple View

Guest Post: All About Cats with Dr Patrick Mahaney

This month we’re all about cats at Embrace so we have some intriguing questions from Embrace facebook friends on the topic.

Cat issues are also very interesting for Dr Patrick as he can sometimes be seen treating cats on the Animal Planet show “My Cat From Hell”, now going into its fourth season.

So let’s launch into it. In the podcast below, you will hear the answers to the following questions: 

Monica B: My 12 year old cat pulls his fur out periodically. It is usually when he is very hungry. He has “hot spots” along his spine that I massage on a daily basis and this is where he pulls. Is there anything else I can do to alleviate these hot spots?

Lynn-Ann G: We are at our wits end. Our 12 year old cat, Butch, has begun to urinate everywhere. Carpet, bottom of curtains, on shoes, etc. We’ve taken to keeping him confined to the basement where the litter is. He does not seem to be in any pain. We have taken him to the vet and they think he might just be senile. That sounds odd to me, but of course I’m not a vet. Some members of the family have had it and want to put him down. That seems extreme to me, but we have two other cats and we want to allow them to run around the house so the “cordoning off” of the one cat that we have to do is just a big pain. We do love our felines, but this is really testing our patience.

Andrea C: Why does my cat like to chew my hair (On my head)? Especially after it’s freshly dyed?

Laura Bennett & Dr Patrick Mahaney All About Cats

Related Posts
December is All About Cats at Embrace Pet Insurance
Guest Post: Indoor or Outdoor Cat?
Guest Post: All About Cats with Dr Patrick Mahaney

Other posts by Dr Patrick Mahaney

Guest Post: Indoor or Outdoor Cat?

Our post today by Dr Rex Riggs addresses the indoor/outdoor dilemma that we all face as cat owners. I have one cat, Lily, who goes out during the day and two younger cats, Rocket and Rosie (aka The Kittens) who stay in all the time.  I know which one I have to take to the vet for accidents more – Lily. And there’s that fox that runs by our house every now and then… Here’s what Dr Riggs has to say on the topic.

Indoor or outdoor? That is the question. The question I get when a new kitten comes in for its initial shots.  My answer…..keep the cat inside! I don’t hesitate. There is nothing good for a cat to be outside.  I will get people who grow up on a farm or in the country and they say “we always had cats that were outside cats, that is where they should be.” Then I ask “what were the names of the 10 cats you had growing up?

The outside is full of dangers for our feline friends and their lifespan is greatly diminished.  I know I will not convince everyone but I will try to convince you to keep your cat indoors.

Cats can decimate the rabbits, chipmunks moles and any other little critters you can think up.  It is estimated they only bring home 30% of the little carcasses as presents for you.  They eat about 20% of what the catch and leave about half just to rot. Cats are the only other creature other then man, to kill for sport.

Eating raw carcasses is. like buying sushi at a gas station. It is never a good thing.  A number of parasites are passed this way, including intestinal worms, toxoplasmosis, tapeworms and various other disease-causing nasties.  These not only are potentially dangerous to your pet but also to you and your family.  Children can get what is called visceral larva migranes, in which immature worms get into the body of kids and migrate to the eyes and brain.  This is very rare but is a threat.

While we are on the subject of eating, I am sure all of you are aware of the influx of coyotes in every part of the US. These are one of the most adaptable creatures around and can, and do, live just as comfortable in the city as in the country.  They are very efficient hunters.  They love cats, not for their companionship, but to dine on.  If a cat is outside and there are coyotes around, it is often just a matter of time.

What about viral diseases that are passed from cats to other cats.  Feline Leukemia and Feline Immunodeficiency Virus, Herpes and Calici virus are just of the few of viruses that are passed from cat to cat, either through bite wounds or direct contact.  This year we were “lucky” to get the Black Footed Tick, better know as the Deer Tick in our area.  This is the tick responsible for Lymes disease.  These are the size of a freckle and can be carried by the cat right into your warm house. You do not want Lyme disease!

Lastly we need to talk about fleas.  This has been a bad year for fleas and ticks mainly because….it is 65 degrees in central Ohio in December!  I would bet that these warm winters will be with us for a while, and that means the bugs will just hang around also.  Fleas are having a heyday.  Did you know that if you throw 3 adult fleas in you house, that within a month, you will have 250,000 fleas in your carpet??  You don’t want a quarter of a million fleas in your carpet.

I could go on and on with the subject, but if you can’t tell by now that I think letting your cat outside is mistake, I won’t convince you. 

Now having an indoor cat does require some work on your part.  Don’t just fill up a bowl of food and walk away.  It is best to feed your cat two equal servings daily, and only use ¾ of the amount recommended on the bag. The Indoor Pet Initiatives is a great website which was set up by Dr Tony Buffington of The Ohio State University College of Veterinary Medicine that has good ideas to keep you pet happy indoors. I highly recommend it. 

Related Posts
December is All About Cats at Embrace Pet Insurance

Other posts by Dr Riggs

Dr_RiggsDr. Rex Riggs grew up in Wadsworth, Ohio, near Akron. Dr Riggs is co-owner of Best Friends Veterinary Hospital in Powell, Ohio. He is also on the board of the North Central Region of Canine Companions of Independence, a board member of The Ohio State College of Veterinary Medicine Alumni Society and Small Animal Practitioner Advancement Board at The Ohio State College of Veterinary Medicine.

Dr. Riggs lives in Lewis Center, OH with his wife Nancy, their dogs Maggie and Ossa, and cat Franklin. Outside of work, Dr. Riggs is an avid golfer and cyclist, and enjoys travel and photography.

5 Tips To Moving Out of State


Moving from one house to another can be a daunting task especially when it comes to going to a different state. Even though you might think that the moving process is easy, you will have to do more than packing your items and loading them onto the moving truck. When moving to another state, you have the option of either using the services of a professional moving company or decide to handle all the details on your own. You can choose the last option if you do not want to spend money using the services of moving companies, which can at times be expensive for people moving out of state.

It is Essential to Plan

The first thing you will need to do is to plan the entire moving process. Have a specific date in mind when you intend to move. It is during this period that you will have to go and look for a house in the state you are planning to move to. You can use online realtors to look for a house or ask friends living in the state you are moving to, to help you look for a good house. Planning ahead ensures that you do not leave anything to chance and will cause you to be focused on what you aim at accomplishing.

If you have kids, the planning process will provide you with the opportunity to enroll them in new schools. This allows them to continue with learning as soon as you have settled in the new state.

You will also need to change your address and notify companies and institutions that sends you important documents via mail, of your new address.

Packing Process

After you have found your new house, you should now begin the packing process. Definitely, you are not going to use all the items that are in the current house, so you will need to get rid of some. Items that are unnecessary can be given away either to friends, charity or if you want extra money, you can hold a garage sale. This is done so as to reduce the amount of items you will carry when moving and provide you with enough space to carry all your items without having to come back for the ones left behind.

Begin Packing Early

Start packing early but do not expect to finish packing all items in one day. As a rule of thumb, begin packing items that are not used on a daily basis. This will make your life easier and keep you from rushing when the day to move finally arrives. You can buy packaging materials from the stores or if you are using a moving company, they will provide them to you.

Ensure Items are Properly Packed

Ensure that your household items are properly packed. Items such as glassware, china cups and plates need to be handled with care and packaged properly if you want to keep them from breaking. Thereafter, seal the boxes and label them as this will make it easy for you to track each item. Items that are susceptible to breakage need to be labeled as “Fragile”.

Moving Day

If the state you are going to is far, you need to get everything as early as possible. You can ask friends to help you load the item on the truck, if you have decided not to use a moving company. Make sure to first load heavy items such as furniture, wardrobes, fridges, and washing machine onto the truck then put the larger boxes. Smaller boxes can then be placed on top of larger ones, or underneath tables and chairs. When everything has been loaded you should begin the journey to your new home.

Article was provided by Premier Movers, your favorite NJ movers. Premier also specializes in office relocation and considered reputable Office Movers NJ.

Related posts:

  1. Common Moving Mistakes
  2. Top 6 Packing Materials to Use for a Move
  3. Moving to Connecticut – State Information
  4. Selecting a right size truck
  5. Tips on relocating to Chicago, IL

Dollar$ for Exchange$

Here’s an interesting thing:

[HHS Secrreatry Shecantbeserious] expected to be running zero exchanges … Congress has not yet appropriated the money to let [her] hire exchange employees.”

So, no money, no plan, and no transparency.

Rotsa ruck, Kathy.

Original content copyright © InsureBlog

Add One More Obamacare Lawsuit


The founder of Domino’s Pizza is suing the federal government over mandatory contraception coverage in the new health care law.

Tom Monaghan, a devout Roman Catholic, says contraception is not health care and instead is a “gravely immoral” practice. He’s a plaintiff in a lawsuit filed Friday in federal court, along with his Domino’s Farms, which runs an office park near Ann Arbor.

Monaghan offers health insurance that excludes contraception and abortion for employees. The new law requires employers to offer insurance that includes contraception coverage or risk fines. Monaghan says the law violates his constitutional rights, and he’s asking a judge to strike down the mandate.

The government says the contraception mandate benefits women and their role in society. There are similar lawsuits pending across the country.

Read more:

Original content copyright © InsureBlog

December is All About Cats at Embrace Pet Insurance

IMG_20100918_120132The vast majority of the Embrace Pet Insurance insured pets are dogs (85%) but we’ve noticed more people adding cats to their policies so we thought it was about time we did a little feature on the fabulous feline at Embrace.

Of course, I’m biased because I’m the crazy cat lady at Embrace but those of you with cats know that while they may not get sick as often as dogs, when they do get sick, they are just as expensive.

Crazy Cat Lady Facts about cats and pet insurance:

  • pet insurance premiums are lower for cats than dogs, all else being equal
  • indoor cats get just as sick as outdoor cats, except with different conditions
  • cats and dogs can, and do live together, no mass hysteria, making us all very happy indeed

Do you have pet insurance for your cats? Have you had to use it for anything?

(bonus points for spotting the movie reference)

Top 15 Best Housing Markets for the Next Five Years


Title: Top 15 Best Housing Markets for the Next Five Years

US Cities that will grow in the next 5 years

Is your home value increasing? If you are like many Americans it probably is not, at least not by very much. According to a price report by Fiserv Case-Shiller, average home prices are expected to rise a measly 0.3% in the next year and only 3.3% in the next five years. That’s a long way from the 25%+ annual appreciation many metropolitan areas experienced during the housing boom. But, as with every study, there are always outliers that will experience higher or lower gains.

The same price report found that there are several housing markets that will experience annual home value gains between 7.7% and 11.2% over the next five years. In this post we will take a look at the 15 metropolitan areas that are poised to see the greatest increases in home values.

Would you like to read the full report? Visit the Fiserv Case-Shiller website.

Rank Metro Area Expected Growth % (2012-2017)
1 Medford, OR 11.2%
2 Panama City-Lynn Haven, FL 9.5%
3 Santa Fe, NM 8.9%
4 Madera-Chowchilla, CA 8.8%
5 Sebastian-Vero Beach, FL 8.7%
6 Santa Barbara-Santa Maria-Goleta, CA 8.4%
7 Ocala, FL 8.0%
8 Napa, CA 8.0%
9 Gulfport-Biloxi, MS 8.0%
10 Tucson, AZ 7.9%
11 Brunswick, GA 7.9%
12 Yakima, WA 7.8%
13 Eugene-Springfield, OR 7.7%
14 Yuma, AZ 7.7%
15 Glenn Falls, NY 7.7%

{loadposition blogadsense}

Created By: AdminELITE
Last Modified: December 07 2012 13:14
Categories: Relocation, City Rankings
Tags: moving tips, moving guide

American Cities with the Most Millionaires


Title: American Cities with the Most Millionaires

US Cities with the most millionaires

So you didn’t win the 550 million dollar Powerball on Wednesday, huh? Well, if you happen to be an entrepreneur or tech savvy person there is some good news. According to the Metro Wealth Index from Capgemini, many major metropolitan areas are recording an increase in the growth percentage of millionaires. San Jose, California, a large city within Silicon Valley, had a 2.1% increase in their millionaire population between 2010-2011. It’s not all good news though, some cities, such as Detroit, Michigan, saw a decrease in their millionaire population. During the same 2010-2011 span, Detroit lost 2.2%.

Capgemini is quick to point out that growth is not to be confused with the overall population. The largest and most likely cities, such as New York, Los Angeles and Chicago are home to the most millionaires.

You can read the full report on the Capgemini website.

2011 Rank (Most Millionaires / Total Pop.) Metro Area 2010-2011 (Growth %)
1 New York 1.0%
2 Los Angeles -0.3%
3 Chicago -0.1%
4 Washington D.C. 1.1%
5 San Francisco 0.3%
6 Boston 0.4%
7 Philadelphia -0.9%
8 Houston 1.9%
9 San Jose 2.1%
10 Detroit -2.2%

{loadposition blogadsense}

Created By: AdminELITE
Last Modified: December 03 2012 11:14
Categories: Relocation, City Rankings
Tags: moving tips, moving guide

Health Care is a Right

Seems there are still folks out there that believe they are entitled to unlimited, unrestricted health care, as long as someone else is paying the bill.

(Jorge) Mariscal moved from Mexico to the U.S. when he was 1 year old. Now as a 24-year-old graphic-design student, he considers it his home.He says he nearly returned to Mexico after doctors said he wouldn’t be able to receive a kidney transplant in the U.S. because he is undocumented. 

Chicago Tribune
Since he came here when he was 1 it is obvious someone brought him. Why has he lived here for 23 years without ever registering?

Why did he stay here vs. going to Mexico for his surgery?As an illegal immigrant, Jorge Mariscal waited eight years for a kidney transplant he feared would never come.After years of uncertainties, Mariscal said he’s excited about his future and grateful for the help he received. But he remains frustrated with a health care system that he worries might leave out an untold number of illegal immigrants in need of lifesaving treatments.“Why can’t we be treated the same?” he asked while sitting in his hospital room. “Health care should be a human right, not a privilege. At least give us the chance to fight for our lives with dignity.”

Why can’t you get a job with benefits that will pay for your medical needs? Why is it OUR collective responsibility to pay for YOUR health care?
Where is the dignity in demanding that someone else pay for your care?

Mariscal’s treatment is far from over. The pills he’ll need to make sure his body doesn’t reject the new organ can cost upward of $10,000 a year for the rest of his life. And paying for those, just like the surgery, is complicated by his immigration status.He applied for a grant through the Simon Bolivar Foundation, a medical nonprofit, that would help cover his first year of anti-rejection pills. But without health insurance, he expects he’ll have to pay for most of his medication.

In 2014 under Obamacare he will be able to purchase health insurance without restriction. I wonder if he will buy insurance then or expect the rest of us to pay for his care.

Original content copyright © InsureBlog

Kasich and the ObamaTax

[Original post updated and revised]

Contrary to some reports, the newly enacted House Bill 613 is not an attempt by the Ohio GOP to “[enable] socialized medicine.”

In fact, it’s designed to put strict limits on how “Navigators” in the new Ohio Exchange can operate, and requires them to adhere to the same regulatory and licensing guidelines as real agents, including obtaining Errors and Omissions coverage and completing Continuing Education requirements.

In fact, you can read the actual text of the bill here.

As FoIB Patrick Paule points out, the bill “also underscores the important role that ODI will play in the process.

I don’t want navigators (who aren’t licensed and have no E & O) to have free reign to do whatever they want in Ohio.”

Excellent points!

I’ll try to connect with the bill’s sponsor, Barbara Sears, for her thoughts on how this will likely play out.

[Special IB Thank You! to reader Patrick Paule]

Original content copyright © InsureBlog