Showing posts with label money. Show all posts
Showing posts with label money. Show all posts

Monday, 20 January 2014

Saving Money by Renting




For many renters the possibility of using a rental situation to save money is a foreign idea. These renters often bemoan the fact that they have to rent a property rather than purchase a property because they feel as though not owning the property is basically throwing money away each month. However, this is not entirely true. While there are certainly benefits to homeownership and building equity homeowners can also benefit financially by renting an apartment rather than purchasing a home.





While it is certainly true that money spent each month on rent does not get the renter any closer to homeownership while each monthly mortgage payment makes the homeowner one step closer to owning the property completely. However, this is not the whole story. Renters should also consider the amount of money they will be able to save annually for the purpose of purchasing a home by living in a rental property right now.





A Smaller Apartment Can Lead to a Bigger House





Some would be homeowners find renting a small apartment can allow them to start saving for the purpose of purchasing a house in the future. Renters who are willing to sacrifice comfort now and stay in the smallest apartment possible will likely be able to save the most money towards purchasing a home.





In general the monthly rent for an apartment is based on a value per square foot. This value may vary slightly from one property to the next but is likely to be very similar in properties in the same general area. This means apartments which are smaller in terms of square footage are likely to be less expensive overall. Therefore renters who would normally feel more comfortable and able to spread out might opt for a smaller apartment just so they can begin saving more money for their home purchase.





Budget Wisely to Save Money





Renters who want to save money for the purchase of a home while renting an apartment should understand their monthly rent is not the only factor which may prevent them from saving money while they rent. For example entertainment costs should carefully be considered when a renter is trying to save money. Most rental properties have a fully equipped kitchen making it ideal for the renter to prepare meals at home as opposed to going out to eat. Renters who cut down on eating dinner out may find they are able to save quite a bit of money each year.





Likewise renters who are spending an excess amount of money on superfluous items may have difficulty saving for a house while renting an apartment. Examining all current monthly expenditures can help the renter to determine where there is the potential for financial savings. Making changes such as debt consolidation may be one way to decrease monthly bills but this is certainly not the only solution. Renters can make other changes such as canceling subscriptions to premium movie channels, minimizing cell phone plans to include only the amount of minutes used each month and making changes to insurance plans to result in an overall savings. Changes to insurance plans may include having your car and renter’s insurance covered by the same carrier. Many carriers offer discounted services to renters who are willing to bundle their services. All of these slight changes can help to enable a renter to save money for a home purchase in the future.


Tuesday, 22 March 2011

Solve Your Cats Health Problems and Allergies, and Save Money, Too!


All pet owners know that health care for your cat can be the most expensive part of pet ownership. Vet bills are never cheap, and pets have a knack for getting sick right when we can never afford it. Thankfully, while emergencies and accidents will always happen, by investing in your cats' health with a strong preventative health program, as well as proper diet and effective nutritional supplements, you can ward off one of the most destructive and disruptive medical problem in cats- allergies.

Allergies and Cats- a Destructive Cycle

A great many cat owners are familiar with the painful and disruptive effects of feline allergies. Chronically irritated or itchy skin, chronic sneezing, wheezing and coughing, runny eyes and nose, chronic vomiting and diarrhea and even self-mutilation are just some of the symptoms of allergies in cats.

Just as in humans, an allergic reaction in cats occurs when the immune system begins to overreact to a seemingly normal substance or material. Often times, a cat can become allergic to a substance suddenly, after being exposed to it with no problems for months or even years prior.

Flea and Skin Allergies

Flea allergies are one of the most common types of allergies in cats. In "normal" cats, fleas and flea bites may cause minor irritation and itching, which often will resolve quickly once the fleas are removed. Cats with flea-bite allergies have a much stronger reaction, with intense itching causing hair loss and open sores- even from just one flea bite.

The typical signs of flea-bite allergies in cats are the presence of fleas, intense itching, and sores and scabs on the skin. These sores, caused by repeated itching and chewing, can lead to a skin infection.

If you take your cat to the vet, typically it will be treated with anti-inflammatory medication (steroids) and antibiotics for several weeks. While this route may solve the immediate problem of the skin infection, it does nothing for the underlying cause- the fleas and the allergies- leaving your cat open to future allergies and repeated courses of unhealthy steroids and antibiotics, both of which can contribute to a weakened immune system, and therefore increasing the occurrence of allergies.

The other choice is to use natural alternatives such as herbal anti-inflammatory and a soil-based probiotic. And while these are both highly effective and non-toxic, instead of treating skin allergies and the resulting skin infections after they occur, you can prevent severe allergic flea reactions in your cat by removing the source of the allergies (fleas), and by preventing your cats' immune system from overreacting.

Prevention requires proper supplementation to improve the quality of your cat's immune system.

Oil based nutrients, common in the human natural health spectrum as fatty acid supplements are equally vital to feline health, and especially in the case of skin and coat problems. A proper lipid supplementation, based from one of the most potent antioxidants known to science, Krill Oil, as well as other essential lipids can help to supplement your cats' immune system, reduce the severity of allergic reactions, improve the condition of your cat's skin and reduce healing times.

Food Allergies

Food allergies in cats are one of the most frustrating allergies to deal with. Many times a cat may develop a food sensitivity or allergy to a type of food despite being fed, even though your cat may have eaten that same food for many years with no problems. Further complicating the diagnosis of food allergies are the myriad of ingredients that typically make up most of today's commercial cat foods.

Cats typically manifest food allergies in two different ways- chronic digestive problems (i.e. vomiting and diarrhea that occur more than 3 times a week) and through skin allergies, such as itching, scratching and losing hair.

Cats can be allergic to any component in their food. The more common cause of food allergies in cats is the highly processed, grain based nature of commercial cat food. It is the protein in these grains that cause allergies in the form of skin rashes, digestive problems, and even problems with stiff joints and arthritis.

Feeding the Way Nature Intended

Cats are carnivores by nature. Their systems require meat. In order to be healthy, cats must eat a diet that mimics the one they would eat in the wild- namely whole prey. In the wild, cats eat virtually the entire content of their caught prey. Their protein comes from the bulk of the kill, most of their water intake comes directly from the water in the body of the kill, and the only grain they ingest is that which is in the stomach of their prey.

Unfortunately, commercial cat foods do not place the same emphasis on pure protein that the cat needs to survive, substituting low levels of grains and carbohydrates. Meat by-products (the parts of the animal unfit for human consumption), rendered meat, plant matter and carbohydrates, are the staples and fillers of commercial cat foods. They have very little nutritional benefit to cats, and, in fact, cause a myriad of their own health problems as a result.

The natural prey of cats consists of at least 65% water, and historically cats evolved from the desert, where they had to rely on their prey as a primary source of water. Cats do not naturally drink much supplemental water, yet by feeding dry food to cats with negligible water content, it requires cats to increase their water consumption, or else become chronically dehydrated.

Cats typically manifest food allergies in two ways- chronic digestive problems (such as chronic diarrhea and vomiting) and skin problems, such as chronic itching, recurring skin infections, yeast infections and ear infections. All of these symptoms of allergies are uncomfortable and damaging to your cat's health, and typically require repeated courses of steroids, antibiotics and other medications. Unfortunately, by continuing to feed the same food, the causative factor of the allergy-food that is nutritionally indigestible and virtually "foreign" to the cats system-the allergies will continue to reoccur.

Instead of creating a revolving door of allergy symptoms, vet visits, medications and cost, preventing allergies through a proper diet and nutritional supplementation is the more cost effective, and more importantly, the much more healthy alternative for your cat.

Home and commercially prepared raw diets seek to mimic the cats' natural diet- wild prey-, by eliminating the foreign carbohydrates and grains that are the causes of so many food allergies. This alone will go a long way to restoring his or her health. Be mindful that raw meat, fowl, or fish is not sufficient by itself.

In addition to feeding your cat a nutritionally sound Raw Diet, proper supplementation insures that all of your cat's nutritional, probiotic, vitamin, mineral and fatty acid requirements are being met, and properly assimilated by the body.

Cats and Asthma

Of all the types of allergies in cats, asthma can be the most heartbreaking to watch your cat endure- and in severe cases, it can even be deadly.

As in humans, asthma attacks in cats are caused by an allergic reaction of the respiratory tract to particulates in the air. The precipitating cause stimulates the mucosal lining of the throat and airway to secrete mucous and swell, leading to difficulty breathing, wheezing and coughing. In severe cases, the breathing difficulties can lead to respiratory distress, an abdominal effort to breath, and the swelling may become so severe that the airway becomes totally obstructed, leading to death.

Typically, treatment of cats with chronic asthma is managed through long-term steroid therapy, to suppress the immune system and prevent airway swelling. Unfortunately, steroids only mask the symptoms; long-term use atrophies your cats' natural immune response. Many health problems are directly related to the long-term steroid use.

In addition to the cost of veterinary visits associated with treating asthma flare ups and medication to treat it, chronic steroid use can lead to other health problems such as liver dysfunction and even failure, kidney failure, chronic dehydration and lessen the body's ability to fight viruses, bacteria, simple infections and even cancer.

By treating the underlying cause of your cat's asthma, you can prevent the life-long cycle of steroid administration, continuing respiratory problems and more severe health problems down the road.

As asthma, at its core, is an allergy caused by a heightened immune system, every effort must be made to remove potential allergens from the cats' environment. Changing your asthmatic cat's food to a Raw Diet can help to eliminate further allergens from your cat's system, giving the immune system less irritants to react to. In addition, by proving a carefully balanced probiotic, vitamin, mineral, lipid (oil) and amino-acid supplements to your cat, you are insuring that your cat's body utilizes the full potential of the raw diet.

In addition, the powerful anti-oxidant effects of soil-based probiotics, fatty acids, vital lipids and essential enzymes are scientifically proven to naturally reduce inflammation.

Moreover, they support and create a healthy immune system capable of dealing with emerging health crises, while preventing the terrible immune system overreactions that cause asthma attacks.

Save Money... and Save Your Cat

Conventionally speaking, allergies in cats are expensive to treat. Modern medicine has yet to provide us with a cure to allergies. Instead, veterinary medicine often provides little more than a "band aid" for treating your cat's allergies. Failure to address the actual cause- a dysfunctional immune system reacting to the unnatural way that domestic cats have been fed and kept leads to repeated courses of medications that can do more harm than good.

By addressing the core of your pet's health through a proper diet, as nature intended, and supplementing and supporting the immune system, you can save your cat years of suffering from allergies, create a healthier cat from the inside out, and save money on repeated treatments that don't work, and cause more problems than they solve.








The author of this article is Robert Hart, the co-founder of Vitality Science, Inc., a company that formulates scientifically proven, all natural supplements to restore and maintain pet health for cats, dogs, kittens and puppies. To learn more aboiut their products http://www.vitalityscience.com

Robert Hart has articles published in Fido Friendly Magazine, Ani-Med, The Pet Professor/Pet Style- on-line pet portals, and pet newsletters.


Thursday, 9 December 2010

Lincoln to waste money selling pickup

2011 Mazda2I like cheap cars, and I cannot lie. Not that I mind testing $70,000 luxo-sedans or $98,000 sports cars, but reviewing entry-level, bottom-of-the-line cars is my true passion. Let's face it: Anyone can build a nice car to sell for fifty grand, but providing good value for $15,000 or less -- especially considering all the safety equipment now mandated by the Fed -- well, that's no easy feat.

The 2011 version of my cheapest cars list once again highlights the 20 least expensive cars in the US market, telling you which ones are best buys and which ones are best left on the dealer's lot. Compared to last year's list, there are two new additions: The $13,995 Ford Fiesta takes the #8 spot and the $14,795 Mazda2 premieres at #11, knocking the Toyota Corolla and the Scion xB off the bottom of the list. Another last-minute addition is the all-new 2011 Hyundai Elantra. After seeing the car at the Los Angeles Auto Show, I expected it to be priced right off the list, but surprise, surprise! The new Elantra is only $685 more than last year's model, and so it stays on, down just one spot to #12.

At this point, the list is a work in progress; Smart has yet to announce exact pricing for the mildly-redesigned 2011 ForTwo, and the same goes for the Honda Fit. Scion is also holding out on its new iQ minicar, but it's sure to wind up on the list. Chrysler has announced pricing for the Fiat 500 -- $15,500 -- and assuming the destination fee is the same as other Chrysler models ($750), it'll be taking up residence on Page Two once it goes on sale.

I'm starting to ramble (see, I told you I love cheap cars!), so if you want to get the skinny, check out the list: Cheapest cars of 2011. -- Aaron Gold

Photo ? Mazda

2011 Toyota VenzaGreetings from Arizona! We decided to get a jump on the Thanksgiving holiday traffic by heading out to my folks a little early. I see every road trip as a potential for experimentation, and this time I decided to try a four-cylinder SUV. Read more...

Top Gear logoSunday, Sunday, Sunday! Tonight at 10 pm (9 pm central, and goodness knows when in Arizona) on the History Channel, Top Gear USA will finally hit the airwaves (or, I suppose, the cable-waves). I've been waiting a long, long time for this -- and I don't just mean the last few months of making the show. I mean, like, years.

I'm really happy with the way the show came out, and I'm not just saying that as a staffer -- I'm saying that as a true Top Gear fanatic. Amazing cars, fantastic cinematography, lots of idiocy, and plenty of tire-smoking antics courtesy of Tanner. Episode One is pretty darn good, and the show will get even better in the coming weeks. Check it out tonight and be sure to let me know what you think. -- Aaron Gold

Nissan Murano CrossCabrioletThe Los Angeles Auto Show is now open to the public. So how is this year's show? It's good...but a bit quiet.

One thing that was missing was the pessimistic attitude that hung over -- well, pretty much every major auto show for the last couple of years. Still, the show is a little short on flourish but pretty solid on substance. Rather than hold a press conference for the nifty little Urban Luxury Concept, for example, Cadillac simply put the car on display with little fanfare. World premieres were few and far between, though they did include some notable cars such as the Nissan Quest and Mazda5 minivans, as well as the Porsche Cayman R and Nissan's whimsical (and production-ready) Murano SUV convertible.

Not that everything was quiet. Ford probably has the best booth of the show -- not only are they showing the all-new 2012 Focus, but they have a slot-car track modeled after the Laguna Seca raceway (complete with elevation changes!) and will be doing real-live dynamometer runs with a real-live Mustang Boss 302.

By far, my favorite vehicle at the show was the Jaguar C-X75 concept. Not only is it breathtakingly beautiful, but it's got the niftiest powertrain I've ever seen. It's a range-extended EV, with a plug-in battery pack that powers four electric motors (one for each wheel) for up to 67 miles. When the battery runs out -- or when extra power is needed for high speed -- the C-X75 has on-board generators driven by a pair of miniature jet engines. No, I am not making this up. Sadly, Jaguar will not be doing any demonstration runs of the car -- I'm sure the car's exhaust temperature (680 degrees F) wouldn't sit well with the fire marshal...

Anyway, you can check out all the new and notable cars in my Los Angeles Auto Show photo gallery. If you're thinking about visiting, my LA Show Visitor's Guide will tell you when to go and how to get there. Special thanks to Dwane Ferry for helping out with the photos. -- Aaron Gold

Photo ? Aaron Gold


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