Elderly Care - Aged and Elderly Depression

Very often depression in the aged is not reported and treated due to the social stigma attached with this condition or due to plain ignorance on part of the family of the elderly person. This not only doesn’t help them, but can worsen their condition and make them susceptible to other ailments… including sometimes suicide. Also, elderly depression can occur due to the death of a spouse…which increases lonliness. Also, side-effects from certain medicines or due to certain long-term illnesses like diabetes and arthritis can have a profound effect on depression. The depression must be treated as soon as possible.

Without fast treatment, it can lead to suicidal tendencies on part of the patient or death from premature heart attack, stroke and other serious diseases. ne group known to be at risk from depression in the elderly include widowed women. Others at high risk are those not being able to cope with stress in their lives. Low self-confidence due to diseases like cancer and loss of limb causing disfigurement can easily lead to depression. Many elderly may have a family history of depression and get depressed due to apprehension of dying. Some elderly may have an addiction to alcohol or drugs contributing to their depression.

So, what can be done to help depression in the aged? Counseling and a therapy of antidepressants can help. (note: always see a licensed therapist and physican). The therapist will prescribe antidepressants if they feel they are required. During initial prescriptions of these drugs the patient has to be watched carefully as the side-effects and results of a reaction can be serious. These medicines show their effect over a period of time since they are given in small doses. In fact, it wouldn’t hurt to have a medical alarm for the depressed person just in case they feel the need to contact emergency personnel.

Psychotherapy is very effective in dealing with depression in the elderly as the patient can share their feelings and insecurities with the therapist. This helps them to identify the main problem and initiates a curative process to overcome depression. Of course, a loving family can help tremendously. Depression is a sensitive issue which, can be treated with love and patience along with therapy and medication.

Ron Rougeaux has written articles which can be seen at his website at: http://www.ElderlyHelp.info concerning elderly people and the aged on subjects of elderly care, abuse, retirement, medical needs, and much more…

[tags]elderly, care, retired, depression, aged, old, geriatric, abuse, life insurance, women, men[/tags]

A Word About Child Medical Insurance

We love our children. From the moment we realize they are making their way into this world, we begin making plans for them. We want the best of everything for them, from homes and communities to schools and activities. We strive to raise them in safe, healthy, nurturing environments in hopes that they will grow into and remain safe, healthy, nurturing adults throughout their lives.

Child medical insurance must be included in our plans for our children. Children are constantly growing and exploring. They are active little people who spend a lot of time running, tumbling, playing sports, and creating potentially dangerous little games of their own. Plus, classrooms full of children are perfect breeding grounds during the cold and flu season. If your daughter’s best friend has a cold, you can safely bet that your daughter will have the sniffles within a few days, too. Inevitably our children will get sick, hurt, need medicine or x-rays once in a while or even more often!

The health and safety of our children is our most important goal. Unfortunately, sometimes we find ourselves in situations when our jobs don’t offer medical insurance. It is easier to tell ourselves “not right now” when it comes to treating a medical problem, but it is not that easy to tell our children “not right now” when they are running a dangerously high fever and ask us to help them feel better.

If you do not have medical insurance covered by your place of employment, or you are covered by medical insurance you purchase yourself, you need to stop and think about the medical insurance of your child. If you are not covered, or can not afford medical insurance for yourself or your child, there are agencies out there that will help you. You can find affordable, and sometimes even free, child medical insurance that will cover dental, vision, and health costs for your child.

Our recommended source for insurance quotes affordable health insurance, cheap car insurance

[tags]medical insurance[/tags]

The Best Way To Find The Most Affordable Life Insurance To Fit Your Needs

Life insurance provides financial protection for beneficiaries in the event of the insured’s death. Life insurance benefits can serve as a replacement of lost income to your family or to pay bills and final expenses. The best way to find the most affordable insurance is by understanding what types of insurance are available and what they provide for you.

Life insurance may be divided into two basic classes - Term and Permanent. Term life insurance provides life insurance coverage for a specified term of years for a specified premium. The policy does not accumulate cash value. Term is generally considered “pure” insurance, where the premium buys protection in the event of death and nothing else. There are less expensive premiums for younger people, but rates go up with age.

Permanent life insurance is life insurance that remains in force until the policy matures, unless the owner fails to pay the premium when due. The policy cannot be cancelled by the insurer for any reason except fraud in the application, and that cancellation must occur within a period of time defined by law (usually two years). Permanent insurance builds a cash value that reduces the amount at risk to the insurance company and thus the insurance expense over time.

The three basic types of permanent insurance are whole life, universal life, and endowment.
Whole life insurance provides for a level premium, and a cash value table included in the policy guaranteed by the company. The primary advantages of whole life are guaranteed death benefits, guaranteed cash values, fixed and known annual premiums, and mortality and expense charges will not reduce the cash value shown in the policy.

The primary disadvantages of whole life are premium inflexibility, and the internal rate of return in the policy may not be competitive with other savings alternatives. Riders are available that can allow one to increase the death benefit by paying additional premium. The death benefit can also be increased through the use of policy dividends.

Premiums are much higher than term insurance in the short-term, but cumulative premiums are roughly equivalent if policies are kept in force until average life expectancy. Cash value can be accessed at any time through policy “loans”. Since these loans decrease the death benefit if not paid back, payback is optional. Cash values are not paid to the beneficiary upon the death of the insured; the beneficiary receives the death benefit only.

Universal life insurance is a relatively new insurance product intended to provide permanent insurance coverage with greater flexibility in premium payment and the potential for a higher internal rate of return. A universal life policy includes a cash account. Premiums increase the cash account. Interest is paid within the policy (credited) on the account at a rate specified by the company. This rate has a guaranteed minimum but usually is higher than that minimum. Mortality charges and administrative costs are charged against (reduce) the cash account. The surrender value of the policy is the amount remaining in the cash account less applicable surrender charges, if any.

A universal life policy addresses the perceived disadvantages of whole life. Premiums are flexible. The internal rate of return is usually higher because it moves with the financial markets. Mortality costs and administrative charges are known. And cash value may be considered more easily attainable because the owner can discontinue premiums if the cash value allows it. And universal life has a more flexible death benefit because the owner can select one of two death benefit options. Option A pays the face amount at death and Option B pays the face amount plus the cash value.

But universal life has its own disadvantages, which stem primarily from its flexibility. The policy lacks the fundamental guarantee that the policy will be in force unless sufficient premiums have been paid and cash values are not guaranteed.
Endowments are policies, which mature before the normal endowment age. Endowments are considerably more expensive (in terms of annual premiums) than either whole life or universal life because the premium paying period is shortened and the endowment date is earlier. Annuities are a financial product issued by life insurance companies but are not life insurance policies.

Your insurance needs will change throughout your lifetime and your particular situation.

How to Reduce Your Hospital Bills

The medical industry, unlike virtually every other business, loves to keep their prices secret. They do this, very simply, so they can make more money. Only by shopping your medical care, demanding price transparency, negotiating for the best price, and carefully reviewing your bill can you be assured that you are getting a fair price, and not being ripped off.

A dramatic example is the price hospitals charge of open heart surgery. The Valley Hospital Medical Center in Las Vegas, Nevada charges $233,259 for open heart surgery involving a heart valve replacement. The Mayo Clinic, recognized as one of the top heart care centers in the world, charges $79,601 for the same procedure. As another example, The Miami Herald recently published an article about hospital pricing in Florida. A woman going to Palmetto General Hospital in Hialeah for physical therapy following a car accident had tried to find out what the treatment would cost her, but to little avail. After eleven sessions she started receiving the bills - $1,560 per visit. She was able to find the same service at Memorial Regional hospital in Hollywood, FL for only $50 per visit.

Hospital Overcharges

Anyone who has ever tried to decipher a hospital bill knows that they can be next to impossible to understand. This conveniently makes it easy for hospitals to hide improper charges by using mysterious medical technology and codes. Whether through deliberate overcharges or honest errors, experts estimate that hospitals overcharge patients by $10 billion a year, or an average of $1,300 per hospital stay.

Hospitals have been known to charge $129 for a “mucus recovery system” that was really a $2 box of tissues, $57.50 for a “free” teddy bear, and even $1,004 for a toothbrush. Most people never see an itemized statement, and so have no idea what they’re being charged for.

Nora Johnson, a medical billing advocate, was quoted in a recent article saying that over 90% of the hospitals bills that she has audited have had gross overcharges.

Hospitals often go to extraordinary lengths to discourage you from delving too much into your bill. Nevertheless, there are some specific things you can do to make sure you’re not getting taken for a ride.

• If possible, call the hospital’s billing department ahead of time and ask them what you will be charged for a room and what that charge includes. If it doesn’t include something you might need, such as tissues, bring your own.
• Ask your doctor to estimate your cost of treatment.
• Bring your own prescription medications to avoid paying top price for medications purchased from the hospital.
• If possible, keep your own lists of tests, medications, and treatments. Hospitals have been known to charge men for pregnancy tests and adults for newborn tests.
• Never pay the bill before leaving the hospital. You may be told this is required, but it is not. Before paying your bill read it carefully, and compare it to the estimated costs you were given before being admitted.
• Demand an itemized bill, and ask for a detailed explanation for any items you don’t understand. Don’t accept generic answers like “lab fees” or “miscellaneous fees”.

Health Savings Accounts Promote Price Transparency

Health Savings Accounts (HSAs) are plans that have a high deductible, and a savings account in which tax-deductible contributions can be placed. The money in the account can be used to pay deductibles and other charges not covered by health insurance. The great promise of health savings accounts is that they will re-inject market competition into the healthcare market. As all of us who were fortunate enough to take Economics 101 understand, the balance of supply and demand provides the public with the greatest value at the lowest possible cost. If company B can produce and distribute the same quality widgets as company A, but at a lower cost, then the average price of widgets will fall, more people will be able to afford more widgets, and the average quality of a widget will increase, as businesses compete for customers. This is a wonderful system, and is part of what has made the United States the wealthiest country in the world.

Unfortunately, this system has not been in play when it comes to healthcare, because the consumer has not typically been paying the bill. As a result, the consumer doesn’t care what the service costs, and most doctors, hospitals, and pharmacies are very reluctant to reveal their (high) prices.

Health Savings Accounts are now changing all that. Millions of people have purchased these plans because of the lower premiums and tax advantages they offer. This has made consumers much more aware of what they are being charged. By demanding to know prices up front, HSA holders will begin to force medical providers to compete on price and quality, just like any other business does.

By Wiley Long - President, HSA for America - http://www.health–savings–accounts.com. HSA for America makes it easy to learn about and set up Health Savings Accounts that best meets your needs. Please link to this site when using this article.

[tags]health savings account, hsa, health savings accounts, medical savings accounts, hdhp, hsa insurance[/tags]

What Your Farm Insurance Should Cover

Agricultural insurance or farm insurance saves farmers and those engaging in agri-business from losses sustained by natural catastrophes. Policies under this insurance are structured to protect the basic needs of the homestead. This is particularly important for small farmers because their farms are both home and business for them. Once the farms are damaged or destroyed, the farmers will be left with no home and money. Farm bureau insurance may save them, but there is nothing like a full coverage agricultural insurance.

What are the things that should be covered by a good farm insurance policy? There are several, and a perfect insurance covers them all. However, it is common for most insurance packages to cover only two or three out of the several conditions. The best solution for farmers is to determine what they most need and get the insurance which covers this particular need. It can be crop insurance, homestead insurance, or vehicle insurance. To give you a clue about the possible conditions an insurance provider might offer, below are some ideas of the possible insurance coverage.

You are more valuable than your farm so make sure that you get an insurance with provisions for farm liability. These provisions protect you from injuries sustained during farm work like falls, burns, or even pesticide poisoning. In addition, these provisions protect your property from damage as long as the damage was sustained in the course of farm work or natural disaster. These farm insurance provisions protect your property in cases like fire, flood, or hurricanes.

Farm property provisions cover damages to selected properties like livestock. This is particularly important for farmers and farms residing in hurricane, tornado, and landslide-prone areas. Statistics show that a large percentage of the casualties during these calamities are mostly livestock like horses and cows, which do not have evacuation options. A type of farm bureau insurance usually covers this risks.

Some farm insurance policies have provisions for the specific protection of the homestead and everything within it. These provisions protect the farmer from losses sustained due to house damages like leaks and theft. If your farm stands on the far side of the town where there are few neighbors to watch over your property if you’re away, you might want to consider adopting this condition.

Farm vehicles and equipment are put to rough work regularly. Therefore, they are prone to breaking down. This translates to large expenses for the farmer. If you want to avoid this scenario, consider including this condition in your insurance policies. Better yet, consider getting a comprehensive farm auto insurance to protect yourself from financial damage due to broken machines and equipment. Farm insurance is an asset, but only if you know how to choose them wisely.

For more valuable information on farm bureau insurance and farm insurance, please visit http://www.farminsurances.com

[tags]farm bureau insurance, farm insurance[/tags]

Whole Life Insurance Rate Cash Value Benefits

Aside from the fact that a whole life insurance policy will insure you for the rest of your life, one of the main reasons people choose to purchase whole life insurance policies is because of the cash value they accumulate. If you’re interested in having a life insurance policy that will not only provide financial assistance to your beneficiary in the event of your death, but will also provide you with financial assistance while you’re still alive, you should look into your whole life insurance rate.

It’s true that a whole life insurance rate tends to be more expensive than a term life insurance rate; this is why many people call term life insurance policies the most popular life insurance policies. However, a whole life insurance rate is higher for a reason; a whole life insurance policy will offer its policyholder benefits and options that a term life insurance policy won’t. One of those benefits and options is the cash value.

Cash value isn’t the same as face value. Face value is the amount of money your beneficiary will receive in the event of your death. Cash value is the amount of money that you can access while you’re still alive. Why would you want to access money from your whole life insurance policy while you’re still alive? And what does this have to do with your whole life insurance rate?

There are several reasons for wanting to access money from your whole life insurance policy while you’re still alive. You may want to take a loan against it to pay for an emergency, or, you may just want to cash it in before you die to enjoy the savings. Plus, if there’s enough money accumulated in your whole life insurance policy cash value, you can use it to pay toward your whole life insurance rate; this is especially helpful should you find yourself or your family experiencing financial burden.

Affordable Car Insurance

Home owners Insurance

Affordable Health Insurance

[tags]whole life insurance,life insurance[/tags]

Deciding the Medical Necessity of Insulin Pumps

The Pump. An insulin pump is a medical device continuously delivering insulin under the skin through a catheter. It’s usually connects somewhere in the waist area. There’s a new generation of insulin pumps, called a patch pump. Currently patch pumps are only available from OmniPod. Patch pumps adhere directly to the skin with no catheter tubing showing. It then infuses insulin directly under the skin.

Either pump delivers insulin at an hourly rate. For instance, the rate might be 1.1 units an hour. However, the pump delivers different rates at different times of day depending on the patient’s insulin infusion (or basal) rates that are programmed into the pump.

The amount of insulin delivered depends on two things. First by the amount of carbohydrate a patient eats using an insulin to carbohydrate ratio, and then by the correction factor, or the ratio of the number of milligrams per deciliter (mg/dl) a patient’s blood sugar will be lowered by one insulin unit.

If a patient eats 60 grams carbohydrate at meals and has an insulin-carbohydrate ratio of one insulin unit to 15 grams carbohydrate, the patient’s insulin injection at that meal would 4 units. However, if a patient has a correction factor of one unit to 50 points of blood sugar, the pump should give an additional injection of 2.5 units to lower his blood sugar from 245 mg/dl to a needed level of 120 mg/dl.

Pump Candidates’ Skills. To use an insulin pump a patient must be able to manage it. This involves knowledge at several levels. First, patients must understand how to insert the catheter when using the pump, or how to attach the newer patch pump to their abdomen. They must also be able to push the right buttons on the pump to deliver proper insulin doses and adjust the basal rates. Then the patient needs to be skilled in carbohydrate counting so they are able to deliver correct insulin doses at mealtimes. And they should be willing to check their blood glucose levels at least four to six times a day. This assures that they detect a pump failure and prevent hyperglycemia and diabetic ketoacidosis (DKA, in type 1 patients). Patient attention is important because no long-acting insulin is used in type 1 patients who use pumps and they need to correct high- or low-blood sugars before they are clinically observable and symptomatic.

Medical Necessity. Insulin pump therapy is almost never needed to maintain life because insulin can be easily injected under the skin. Most insurers will cover insulin pump therapy in situations where insulin pump therapy will significantly improve the level of diabetes care and control over and above multidose insulin (MDI) therapy. This includes cases where:

The glucose control in multidose insulin therapy is not optimal with glycated hemoglobin (Hba1c>) than the ADA (American Diabetes Association) recommended goal of 7%.
An endocrinologist, who will be able to help the patient learn how to use and the pump and adjust basal and correction doses, prescribes the pump.

The patient has type 1 diabetes. However, in many situations patients with type 2 diabetes will benefit from the pump as well. (See Diabetes Care, Sept. 2003, pp. 2598-2603.)
Presence of hypoglycemia despite adjustments in insulin doses and utilizing carbohydrate counting to help decide pre-meal insulin doses in patients who are using MDI therapy.

Presence of hyperglycemia-especially as revealed by high morning readings (Dawn phenomenon) where increasing basal rates of insulin in the early morning hours would help to better control blood sugar levels.

Insurers require medical charts from the prescribing doctor as well as blood sugar logs from the patient to prove that there is real medical necessity.

About AllMed Healthcare Management

Founded in 1995, AllMed is a URAC-accredited Independent Review Organization (IRO) serving insurance payers, providers, TPAs and claims managers nationwide. Reviews are conducted by board-certified physicians in active practice. AllMed’s growing customer base for its independent medical review and hospital peer review services includes premier organizations, such as Educator’s Mutual Life, IMS Managed Care, Tenet Healthcare Corporation, HealthGuard, several Blue Cross Blue Shield organizations, TriWest Healthcare Alliance, Allianz and many other leading healthcare payers. Read the AllMed Medical News Blog and the Independent Review Organization Blog.

[tags]medicine, surgery, medical, insurance, health, hospital[/tags]

Make Sure Your Credit Report Is Correct to Improve Your Interest Rates And Lower Insurance Premiums

Did you know that you could make sure to get the best rates on your auto and homeowners insurance simply by having a good credit score.

Additionally a great credit score will allow you to get the best interest rates on your credit cards, car loans and even your home mortgage. With interest rates as low and as favorable as they current are why shouldn’t you take advantage of them?

What to do - Probably the most important first step you can take would be to order your credit report in order to view its accuracy and check for any glaring errors that could cause you problems or lower your credit score. A good credit score generally speaking is above 750.

There are 3 companies that offer credit reports. TransUnion, Equifax and Experian. There is a slight cost however a new law allows consumers the right to one free credit report every year. As of this writing only consumers on the West Coast can enjoy this benefit. Mid-west states can start receiving their free credit reports around the 1st of March 2005. For those of you that live in the South expect to be able to order your free report starting 1 June 2005 and if you’re on the East Coast you’ll unfortunately have to wait until the beginning of September 2005 in order to claim your free report.

Please don’t take this lightly - your credit score is very important to your financial success in life. Even if you have managed to avoid making late payments or over drawing on your current credit limits you can still be in harms way. Recent reports have suggested that almost 79% of credit reports contain an error of some kind. The really bad news is that 25% of these errors are harmful enough to where they could cause some serious issues in your attempts to receive credit, better rates and lower your insurance premiums.

Additional recommendations include the obvious such as continuing to make payments on time combined with an outstanding long-term credit history and low credit usage. You can use this to your advantage by keeping your oldest credit cards debt free. Also ask for credit limit increase every once in a while. However make every attempt to avoid signing up for new credit cards or other forms of credit unless absolutely necessary.

If you do find out that your credit report does indeed contain errors promptly contact the credit bureau that issued you the credit and dispute the errors. If the bureau is unable to verify that the errors are indeed correct within a 30-day time frame they must remove the erroneous information from your report.

Taking the simple precaution of verifying your credit score could result in a substantial deduction on all of your insurance premiums and could significantly improve your rates for a new home or car loan.

Timothy Gorman is a successful webmaster and publisher of Military-Loans-Online.com. He provides more free financial and home equity loan information that you can research in your pajamas on his website

Other websites operated by Tim

Cellular-Phone-Solutions.com - Free information and resources regarding cell phones and cell phone plans.

Best-Free-Insurance-Quotes.com - Offers discount auto, life and home insurance
[tags]credit,report,score,errors,insurance,loans,auto,home,repair[/tags]

Save Big Bucks On A Used Car

Buying a used car can be like a crap shoot, a real hit or miss proposition. I don’t know about you, but the thought of plunking down five thousand dollars for a car and hoping that it will give you several years of driving satisfaction is downright frightening. Why go into the used car market unequipped? The following tips can ease your concerns and help you walk away from the deal a real winner.

Dealer v. Private Seller

If you purchase a car through a reputable dealer, they should offer to you some type of warranty even if it is only a 30 day warranty on select components. However, when buying through a dealer, you’ll pay a premium for that privilege as the price will likely be hundreds of dollars above the Kelley blue book price. Therefore, consider buying directly from a seller who really knows his car.

Run a Repair Report

To avoid buying a lemon, pay the fee to get a repair report on the car from a company like CARFAX. There isn’t a 100% guarantee that they have all of the information about the car, but you can reduce the chances of purchasing a lemon by running a vehicle history report on the car.

Take It to a Mechanic

If you find a vehicle that you really like, take the car to a trusted mechanic for an independent opinion. If the seller objects, simply walk away as the car likely has some hidden problem that will become revealed once your mechanic examines the car.

Consider A Program Car

Cars driven by Hertz, Avis, and other rental companies are often sold to the public through retail outlets operated by these companies. Okay, I know what you are thinking: these cars are not only used, but abused. Well, the car rental companies know about these fears and only offer for sale those cars that are in excellent shape. Furthermore, their maintenance schedules are impeccable and typically go much further than what the manufacturer recommends. This translates into a very good quality used car for you at a competitive price. Low miles too: most are sold with less than 30,000 miles on the odometer, sometimes much less.

One caution: watch out for Katrina cars, vehicles that were declared totaled after the hurricane struck the gulf region but were salvaged, repaired and sold in another state after the title was washed. If you suspect the origin of any car simply walk away from that sale.

Joseph is the proud owner of Finance Guide, a website that will
explain everything you need to know about Personal Grants. We invite you to visit our site today and see what we have to offer.

[tags]money, finance, insurance, homes[/tags]

Pet Training and Insurance for the Obedient and Healthy Pet

We all love pets and most of us have had a pet sometime, somewhere, right? Then you must have also faced problems with pets pooping around, nibbling at household things sometimes even hurting your kids!

This can be easily avoided by helping the pet to a pet training course. Expert trainers who know how to teach pets to behave in various household situations conduct these courses. There are a number of obedience schools that provide pet training courses (particularly dogs). Pet Training usually takes place in small groups. In addition to training pets themselves, pet training schools also teach pet owners how to become a pet trainer. Professional dog trainers more often than not do not train the dogs, but actually train the owners how to be pet or dog trainers.

Training Schools

Even thought some schools take the pet from your home to train them, the pet owner still must at some point learn what the pet has learned and how to use it and reinforce it. Owners and pets that attend class together have a prospect to learn more about each other and how to work together under a trainer’s guidance by getting a number of dog training tips. Pet Training is most effective if everyone who handles the dog takes part in the training to ensure consistent commands, methods, and enforcement.

Prescribed training in course is not always available until the puppy has fulfilled all its vaccinations at around 4 months; however, some pet trainers suggest puppy socialization classes in which puppies can enroll immediately after being placed in their permanent homes as long as infection risk is minimal and puppies have received initial vaccinations. As a general rule, basic training classes accept only puppies that are at least 3 to 6 months old.

Pet insurance

Pet insurance is another important thing to consider when you have a new pet. After all your new pets veterinary care can cost a fortune.
Pet Insurance is for covering the cost of the veterinary costs if your pet is ill or has an accident. The pet owner will have to make a payment towards any claim. Pet insurance will not pay for preventative veterinary care (vaccinations) or elective veterinary care (neutering). Although known as Pet health Insurance, insurance is normally only available for cats and dogs. There are some specialist insurance schemes available for derby horses.

The modern era: Robotic Pets

Now in the modern arena there are robotic pets like the tamagotchi. These are sold self-contained on a simple and hand-sized computer. A small screen has an image of the pet, in case of these robotic pets and buttons on the case of the device let the user perform different tasks. These tasks are like feeding the pet, playing with it, washing it, and so on. Beeps are emitted by dissatisfied pets. A massive fad was created in Japan by digital and virtual pets. They were originated here and also to a lesser extent in the United States around the late 1990s. This idea of an actual animal comprised of technology rather than skin and flesh inspired a number of people.

Pet training and health is as important as bringing up your kids. Hence great care and love needs to be given to them. After all they are your best friends. Aren’t they?

Mike Sanders is an established writer and a pet enthusiast. He regularly writes for pet journals and http://pets.blogtastic.com.

[tags]pets, pet insurance, pet training, pet safety[/tags]