Pet Insurance Horse Coverage

Many people board horses and often pay high expenses to cover the pets. Dogs, cats, and other household pets often go without care because the owners cannot afford to pay the medical treatment and medicines to care for the pets. Horses are more expensive than common pets, but the laws state that these creatures need medical treatment and vaccines, thus what can an owner do. Owners can take out pet insurance policies that will cover the pets 80/20 in most instances. Horses undergo various different ills than common pets, thus, special coverage is needed for these beautiful creatures.

The Internet has a wealth of resources that specialize in pet insurance, including horses’ coverage. Few owners may have other types of pets that will need specialized coverage, including goats, cows, hermits, pigs, mice, guinea pigs and so forth. While most insurance coverage plans will not cover many of the different household pets, few will offer coverage to common pets, including horses.

Horses are high maintenance critters that require special coverage. Thus, the Internet is open to suggestions, making available horse policy that will offer a generous amount of coverage to owners. Few policies will cover dental work, including coverage for both pet and owner. The policy will offer “personal accidental” coverage, and so forth. The downside is these insurance policies often cost more in premiums than standard insurance policies. Since we are dealing with a huge high maintenance animal, the premiums are higher, since the company will be paying out a fortune for vet care.

One of the common laws regarding horses that apply to owners in various states is the Equine Warning Laws. These laws protect horses and owners against liability, damage, and so forth. The owner is responsible to put up Warning Signs to warn the visitors that accidents/incidents can happen and direct them to safety, plus telling them, they are not reliable if the visitor fails to adhere to the warnings. Not every state has this law to protect homeowners; therefore, the owner would be wise to look for Pet insurance that will cover liability. Pet insurance coverage for horses will often cover the pet and the objects used for the pets needs, including horse trailers. The policies will cover theft, damage, loss, and so forth.

What horse insurance covers

Each policy is different, but few company’s will cover liability, death, stables, personal accidents, theft, riding liability, ‘loss of entry fees,’ hire in for horse maintenance, dental, straying, saddles, tack, vets charges, and so forth. Some of the leading claims filed for horse care are death accident/illness, vet fees for accident/illness, tack and saddler fees. Few providers offer comprehensive coverage to horses extending the coverage to more than forty different states. Thus, pet insurance for horses can offer advantages to owners that transport their horse out of state for shows, trades, and so forth.

Filing Claims

Many of the claims are similar to standard forms, however few companies’ present claims that target the specific incident and/or accident, including illness. For example, if you horse is ill then the company may send a form for that specific need. The company will recommend that you immediately contact the company via the toll-free hotline provided to you and immediately seek treatment for your animal. After you are done at the vet, the company will encourage you to make contact with the company. The claim forms are often downloadable online, thus making it convenient and easy to get the claims to the insurer immediately. Of course, you must go through the same procedures as standard health insurance, by sending receipts to the company. The hotline is setup so that you can get immediate disbursement if necessary.

Advisory: horse insurance may come with higher premiums if your animal is a high-risk. If your horse is used at Rodeos, Racing and so forth, there may be additional coverage needed, and you should expect to pay higher premiums. Few insurance companies may offer generous rates even if your pet is high-risk, so again shopping around are the best solution for getting great rates and comprehensive coverage.

Successful Investing – Helping Investors Avoid Common Investment Mistakes

The Top Mistakes made by Investors

In my dozen plus years of advising individuals and businesses I have found a number of common mistakes that have derailed even the best laid financial plans. I thought by sharing them I might be able to help others sidestep the pitfalls and the negative impact they can have on your portfolio and long-term financial plans.

1. Failing to establish a time horizon and investing accordingly -

If you have expenses that need to be funded in 3 years or less, you should not be investing the cash for them in the stock market or other risky investments. These monies should be carved out of your investment portfolio (the money earmarked for long-term investing) and invested appropriately in liquid assets such as money market funds or term-certain fixed income offerings. If the money is not going to be needed for 3 years or more, an investment plan should be established based upon specific a time horizon and risk tolerance for these funds.

2. Failing to thoroughly diversify your portfolio -

Many investors know about the concept of diversification and think that by owning different investments, they are diversified. Diversification of an investment portfolio makes good sense on an intuitive level. However, it wasn’t until Harry Markowitz published his model of portfolio selection that this concept became a formalized part of sound investment practice and formed the basis of today’s Modern Portfolio Theory. Beyond this basic concept of diversification, the key to Markowitz’s premise is the revelation that the risk of any investment can be reduced and/or performance increased by forming a portfolio of diverse and non-correlated assets. That is, it is important not just to seek a diversity of asset types, but also to seek assets that have low or near-zero correlations to one another. It’s not about owning different investments; it’s about owning different, non-correlated investments.

3. Letting potential tax implications rule your investment decisions –

Many investors delay selling an investment that has done well regardless of how good or bad the future looks for the holding. Their response is, “I will have to pay taxes if I sell.” By not selling, they set themselves up for not having to pay taxes at all – usually because the investment starts on a decline and their concern switches from “having to pay taxes” to one of “hoping for a turnaround.” Don’t be afraid to take some profits off the table. While taxes are an unpleasant result of investing, I prefer to look at them as a positive sign as it indicates you are making money and your investment plan is working.

4. Buying a stock based upon a “hot tip” -

Too many investors listen to a friend’s advice because he or she always seems to have the next “great” money making idea. They don’t take the time to assess the idea personally and jump in because it’s only a few thousand dollars they are investing. Unfortunately this is not investing – it’s gambling. If you want to gamble, go to Vegas and at least get free drinks, dinner, a show and a room for the risks you are taking. Any investment that is being considered for your portfolio should be thoroughly researched and have passed a comprehensive financial screening scrutiny.

5. Attempting to time the market -

Waiting an extra day, week, or month to try and buy in at the “right price” just doesn’t work. No one can predict the future. If they could they most likely wouldn’t be sharing this knowledge with you for free. Successful investors use time, patience and a disciplined approach to increase the likelihood of maximizing their investment returns – not trying to time the market. If you have done the research and the investment is sound and meets your criteria then buy it, regardless of timing.

6. Failing to regularly reevaluate your investments -

Over time all investment styles, strategies and types fall out of favor. So, like timing the market, it becomes virtually impossible to know what is going to be “hot” in the next bull market and what isn’t. For this reason it is always prudent to stay up-to-date on your investments to insure they are still the same investment that you originally purchased (segment drift and manager changes can be one reason they may have changed). If your investments consist solely of mutual funds then an annual review is a good place to start.

7. Basing investment decisions on emotion -

Maybe the stock market is going through a bad time because of a short-term geo-political or economic event. Stay calm and make an educated, well thought out decisions about what, if anything, to do. Assess whether the event will affect the economy long-term or if it’s just a short-term blip. The best move is often no move at all. If it is a short term incident, many times the smart, prudent investor will make additional investments because the current decline provides them with an excellent buying opportunity. The key to successful investing is to have a disciplined strategy and to stick with it.

8. Cashing out gains and dividends rather than reinvesting -

Once you’ve realized gains or had distributions and dividends paid out, insure they are reinvested back into your portfolio. If you pull out your capital gains, dividends and interest, your money won’t compound as quickly, thereby leaving you with a smaller chunk of change down the line. Letting your investments compound is one of the major tenets of successful investing.

9. Owning too much employer stock -

Many people get over-weighted in employer stock because of options and stock purchase plans made available in today’s competitive compensation packages. While these are great supplements to their annual salary they can put an employee in a position of having too much money invested in their employer’s stock. Additionally, it is quite common for people to invest in “what they know” and what do you know better than the company you work for? To compound the problem many people will add more employer stock to their 401k holdings and individual brokerage accounts. Not only does this create a diversification problem in their portfolio but it also subjects them to excessive single stock risk. A good rule of thumb to follow is to insure that no more than 5-10% of your entire investment portfolio is in any one single stock. If you find yourself in this situation the importance of creating a well thought out reduction strategy cannot be overstated.

10. Following the herd -

The most successful of all investors are moving in the opposite direction of what everyone else is doing. They buy when most are selling and sell when everyone else is buying. By following this simple plan you can preserve your capital and potentially sidestep the next bubble (can anyone remember real estate, internet stocks, and technology growth funds?).

11. Not investing at all –

Somehow in today’s society that Mocha Cappuccino Latte seems to take precedence over saving for the long-term. We are a society who wishes to satisfy the “here and now” rather than the securing our future. The important fact here is that those two are not mutually exclusive. In fact, BALANCE is the key in any long-term endeavor, but by always keeping an eye on the end goal you can make sure it is not out of mind while satiating the here and now.

12. Investing without a plan -

Investing without a plan and lacking the discipline to follow it is a sure way to lower your chances of success. The chances of obtaining any long term goal can be greatly enhanced by creating a strategy, following it and regularly reviewing it frequently enough so it reflects any changes that have taken place since implementation. Many investors start off with a small amount of money and start putting it to work without a plan. As time progresses they find they have a mish-mash of investments in their portfolio with no clear strategy or direction. It’s never too early to invest but it’s even better to invest early with a plan.

13. Taking too little risk -

Some people don’t want to take any risk and cannot stand the volatility involved with risky investments. While it may seem like you are keeping your money safe and secure by not taking risk, it is more than likely you are not because of inflation. If your time horizon is greater than 5 years it is recommended that you have no less than 25-30% in growth investments (i.e. stocks) in your portfolio to ward off the effects of inflation. The actual percentage to own is dependent upon many factors including but not limited to age, time horizon before money is needed, current financial situation, etc. A good general rule of thumb to use as a starting point for the percentage of equity you may include in your portfolio is “120 – your age.”

How Can Email Marketing Help My Business?

You simply can not have a good online marketing plan if you do not involve yourself with email marketing. Email marketing, when done correctly, will enable your business to attract new customers, keep existing ones, upsell, cross-sell and cut costs. Let's take a look at some of the specific ways that email marketing can help your business.

It Allows You To Automate Your Business

If you're running a small business, you're probably busy doing lots of different tasks. An email marketing autoresponder acts like your silent salesperson who works for you 24/7. If you have offered something for free in exchange for somebody's email address, your autoresponder can send it immediately. Or, it can instantaneously send a welcome message as soon as someone joins your email list. It would be impossible to do this manually.

An autoresponder allows you to automate your email messages to your customers, leads and prospects. This means that messages that are educational, standard (like thank you messages) and more are created once and sent to each person when appropriate.

You Can Provide Value To Your Subscribers

When you use email to contact people who have signed up to receive your messages, you can reach out to them 24/7. This means that you can provide serious value to your customers' lives by sending them information that solves their problems or makes their lives easier. The more value you provide, the more likely they are to want to buy from you.

You Can Get To Know Your Audience Better

The best thing you can do for your business is to understand your audience backwards and forwards. The more you know who you're crafting emails for, the better you can word everything to get the response you want. Your email marketing autoresponder software will provide you with information on who opens your messages and who clicks the links.

Your Email List Is Your Greatest Asset

As you build your list of email addresses, it becomes your greatest asset. These subscribers are the people who have bought from you or have expressed an interest in your business. You need to develop a relationship with the people on your list and regularly provide them with value. This way they will see you as an authority in your niche. From the emails you send out to them, they will start to know, like and trust you and then be more inclined to buy from you.

Setting Up a Studio for You

With the new Nikon D7100 digital camera, you would expect to be able to turn your hand to almost anything. This versatile and flexible camera is designed to excel in all areas of photography. So, once it is out of the box, many new owners will be rushing to take portraits and still-life images in studio conditions. Obviously, if you can, you should always try to shoot in natural light – particularly if you are shooting portraits. If that is not feasible, the pop up flash can usually provide the necessary fill-in, or you could use you flash gun, carefully placed and fired remotely. In most circumstances these tools will help you to get a decent result. But a time will come when you decide you need more control and at that point you will want a studio set up.

If you are setting up your studio at home, the ideal scenario is to have a room specifically put aside for your photography. It should have plenty of space, a high ceiling and be at least 5 meters long. Paint the walls a color that does not reflect too much – black is ideal, but if you have to share the room, then gray would be OK. Cover the windows with blackout material to ensure that the light can not get in and also cover the doors to prevent further contamination. Ideally you only want to have the light that is under your control to be effecting your images. You will also need a good supply of electrical sockets.

Having closed out all external light sources, you can decide what lighting you want to have in your studio. Lighting falls into two categories – continuous or strobe. Continuous also has two options, either tungsten or fluorescent. Tungsten is very popular for portraititure because it gives good skin tones. It is naturally a ‘warm’ light, both in light and temperature (this can be a problem, if you make your subject sit under them for a long time). You would also want to use tungstens if you were shooting video.

Fluorescent lights have a more sterile white light with a blueish hue. They are often used for stock shots ad still-live photography, because it is felt that the colors are more accurate. Of course, it is up to the photographer to choose which he prefers. White balance, in the D7100′s settings will be able to rectify most light settings, but, as you are in charge of your lighting, it would be better to set the lights so that the subject appears as you want to see it. Relying on in-camera correctives is just another think to try to remember and sooner or later you will be cursing your memory and catching up in Photoshop.

The one great advantage of continuous lighting is that you can actually see how the subject will appear in the picture in real-time. This means that you get the lighting right and can then confidently address other variables like content and composition. With the strobe, you are sometimes not sure if the flash fired or not. In many ways continuous lighting is a lot easier, and I would recommend that you start with this. However, when you need to photograph something or someone and give the impression of movement, or freeze them in action, you will have to use strobe lighting.

Although strokes are more difficult to set up, they give the photographer bit more flexibility. The power of the flash can be increased or reduced to suit the photographer’s needs. This means that the photographer can design his lighting around his shutter speed requirement. Obviously, if the subject is moving and you do not want blur, you will need a fairly fast shutter speed. Once mastered, strobe lights are a great way to get the images you want. However, because they operate on a burst, they sometimes take a while to recharge.

If you start off with a couple of lights, the easiest way to set them up is with the soft box at the front and the spot at the back. The soft box emits a softer more even light that is easier to meter against. The soft box should be 6 feet away from the subject, near the camera. The other light should be at least 3 feet away from the back drop so that it gives an even background. I would advise getting some barn doors for the back light, so that the light does not spread where it is not wanted. Always set your trigger up to the front light and ensure that both lights fire at the same time. Most lighting systems have slaves built into them these days.

I usually begin a shoot on a standard 1/125 at f8 with an ISO set at 200. This gives me enough flexibility to change things around gradually if I need to. Most studio lenses operate comfortably at f8 and the shutter speed will catch most fluid movement. If you find the lighting a bit flat, move the soft box out wide to get some more definition and shadow, but always be aware that more shadow can be very unflattering, particularly if the subject has an angular face or large nose. I always start by getting the standard shots done – the full length, half-length and then move in tighter for head and shoulders or portrait. By the time you want to try something more interesting your model will have relaxed and you will have become more confident in the equipment and you abilities.