Heartless NY breeder left puppies in freezing temperatures

Insurance helps to generate a desirable peace of mind. There are many other reasons why you should consider buying insurance. Indeed, it is wise and practical to anticipate the position of your loved ones to pay their bills in the event of your untimely death. Sometimes, it is advisable to consider the combination of the term and/or whole life insurance benefits to help your family cater for their daily expenses, college education, medical bills, mortgage, funeral costs and much more. To get the best deal, it is advisable to compare free life insurance quotes from different insurance companies. Nevertheless, the mistakes you are likely to make when buying insurance include:

· Avoiding medically underwritten insurance

It may sound appealing to purchase insurance policies that do not require a medical examination. Many people do not want to visit their doctor only to discover they have one or more medical conditions that may require them to pay more for their insurance. However, a medical exam plays an important role in lowering the cost of insurance coverage. Although the no-medical exam policy is more convenient and readily available, you can expect to pay more to receive these conveniences. Therefore, if you are looking for an affordable policy over the long run, prepare for a medical exam.

· Adding young kids as primary beneficiaries

Although you have the option of leaving the insurance benefits to your young children, this is not necessarily a good idea. Emotionally immature young adults and children are not responsible to control effectively an important item such as insurance benefits. It is advisable to consider making your children's guardians the primary beneficiary, but do not forget to add more contingent beneficiaries who can be trusted enough with the money.

· Failing to adjust beneficiaries

Changes in life occur regularly. Therefore, it is important to consider keeping up with these changes. Circumstances arise when it is necessary to make changes to your insurance policy. In the event of the death of one or more beneficiaries, a divorce or remarrying, it is advisable to consider the option of promptly making adjustments to the policy. This will make sure the right people receive the insurance benefits, if you died today.

· Failing to review your application

Although it is important to rely on the advice of insurance agents or brokers, you must be careful to avoid allowing anybody to submit your insurance application before reviewing it. It is possible for the agent to check incorrect answers resulting in you providing false information. False information could result in your beneficiaries failing to receive the payout at the point of making claims in the future.

A Suffolk County breeder was arrested for leaving more than 20 dogs in frigid outdoor temperatures on Thanksgiving.

A police officer discovered the canines after hearing barking Thursday morning. She discovered 21 Rottweilers in Jose Borgos’ backyard, according to Suffolk County police. Borgos, 52, is responsible for the dogs.

The Rocky Point breeder was charged with 21 counts of violating the New York State Agriculture and Markets Law pertaining to Appropriate Shelter for Dogs Left Outdoors.

He was charged too with 21 counts of violating Suffolk County Code on Outdoor Restraint of Animals, which prohibits a dog from being tethered when the temperature is below 32 degrees.

STATUS : - read comment for update from crossposter
Long term care is no longer a luxury but a necessity that needs to be taken into consideration and put in long term finance planning. Costs of long term care insurance can vary between companies since each have their own specific set of benefits and features. Yet, there are certain basic factors that remain the same in all so one can devise ways to lower the premiums and control these costs which can be a comprehensive pre-packaged one or a more specific customized plan. Debilitating illnesses can be painful and prolonged and can lead to need for long term care which can be quite expensive unless one is prepared and plans well.

Let's take a quick look at the ways to determine costs of long term care insurance:

Duration - This is one of the key factors to determine the cost. This duration or period is the length of time for which the benefits are available to you and will be paid. It can range from a two and three years to five year benefits. Some companies have to the option of unlimited duration in which case you will be covered for a lifetime but the premiums will be higher.

DBA - The amount that you choose for your DBA or daily benefit amount will play a major role in determining the costs of long term care insurance. The DBA is the maximum amount available for your care in any single day and range from $100 to $500 depending on the kind of policy that you choose.

Waiting Period - Also called the deductible or the elimination period, this is basically the number of days during which you must be eligible for benefits before availing them. The costs may vary depending on how short or long this waiting period is for one.

Inflation Protection - While most policies offer a steady premium option there are certain factors like volatile markets or inflation that can greatly affect the costs of long term care insurance. You can opt for inflation protection which keeps your premiums steady while ensuring rise in benefits over the years. There are automatic compound inflation options which offer annual increase in benefits but low premium rates are not always guaranteed.

FPO - The FPO or the future purchase option offers policy holders an opportunity to increase their DBA or daily benefit amount every two years. The maximum lifetime benefit can also increase along with this but in both cases there will be a corresponding increase in the premium. One can enjoy greater benefits and a more comprehensive coverage but there will be no safeguarding from the inflation.
The costs of long term care insurance depend on these above factors but also on some pre-policy factors like one's age and health at the time, the insurance policy is being issued. The older one gets the higher the premium costs are therefore one should apply and get the policy in place before any long term illness affects health negatively.

For more details and information about Long Term Care Insurance costs visit the site California Long Term Care today for a free consultation and quotes.

1 Response to "Heartless NY breeder left puppies in freezing temperatures"

  1. Why are these people allowed to adopt? THis why I advocate strict interviews for prospective pet parents. They need to see a training tape on the responsibility of pet parenting. They need to make informed decisions on adoptions before walking out that door with one of the shelters or rescue pets. It may be worth in the long run to revamp all shelters into non-shelters even if it means finding a building capable of housing many animals, vets on-site, licensing on-site, microchip on-site for the safety of both pet and pet parent.


Iklan Atas Artikel

Iklan Tengah Artikel 1

Iklan Tengah Artikel 2

Iklan Bawah Artikel