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#1 Jul-26-14 19:58:12

Jameslel
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From: United Kingdom
Registered: Jul-26-14
Posts: 2
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Pet Insurance

With the average Pet insurance claim for a dog being £469 and on-going claims sometimes costing thousands, it is important that you make sure your pet is adequately covered so that you don’t end up being stuck with ever-increasing vets bills. For example, on average a cat or dog with diabetes will cost £9,307 totreat over the course of their life.
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In some cases pets will require treatment for the remainder of their life once a problem is diagnosed. Be aware that almost all pet insurance plans will not offer cover for a pre-existing condition so ensure that you have cover in place to protect you!
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Pet Insurance can protect you for a number of different things besides vet fees:
•    Medication & Prescription Food: If your dog falls ill, your vet may need to either prescribe medication and/or specialist food to aid their recovery. While the initial cost may be small, ongoing prescriptions will inevitably be costly and could become an additional monthly home expenditure.
•    Third Party Libility: Many pet insurance policies cover up to £2m for third party liability claims; this covers the cost of legal action or compensatory claims that may arise from your pet injuring a person or other animal, damaging third party property or causing an accident. While this will exclude incidents involving your family or anyone working for you/on your premises, these claims still tend to be extremely high value and costly.
•    Emergency Boarding Fees: Many policies include cover for the cost of boarding kennel fee’s for emergency situations such as: you being too ill or unwell to care for your dog, your local licensed kennel refusing to look after your dog due to a condition they have etc.
•    Lost & Found/Death Benefit: Some policies will have built in cover to help you pay for the cost of advertising or reward should your pet be lost or stolen. Others will also include a ‘death benefit’ should your pet pass away or need to be put to sleep, that you can choose to use to help cover the costs surrounding this.
There are various different levels/types of cover to suit all needs and wallets! The 3 most recognized types of cover are Lifetimes, Condition Capped and Time Limited, which we have outlined below:
•    Time Limited: Often the cheapest form of pet insurance available, with prices starting as low as £6 a month. However, the main restriction to be aware of with this type of cover is that any conditions your pet suffers from will only be covered for (typically) 12 months, and after that you will no longer be able to claim (and likely not be able to obtain cover for this condition elsewhere). For example, if your Time Limited policy covers you for £3000 a year and your pet breaks their leg, you can claim up to £3000 for this leg (assuming no other claims) but after 12 months you will no longer be able to claim.
•    Condition Capped: These policy are a middle ground between Time Limited and Lifetime cover; you still benefit from paying less than a Lifetime Cover policy, although all conditions typically have a maximum amount you can claim for. After this max amount has been hit, you will no longer be able to claim for this condition regardless of whether or not your renew with your provider. In other words, if your condition cap is £2000, after you have claimed £2000 for a certain condition, you will no longer be able to claim.
•    Lifetime: This form of cover is considered the best and most thorough form of pet insurance. These policies are designed to cover your pet should they develop a long term/recurring illness, as they will pay out for such conditions for the en tireity of your pets life (subject to the cover limits and assuming you remain continuosly covered by the same insurer).
While Time Limited will stop paying for a condition after 12 months and condition capped will stop paying after a certain limit has been reached, the limitation in a lifetime cover policy applies to the maximum amount you can claim each year. In other words, if your lifetime policy has a £10,000 annual limit, you can typically claim for as many conditions as you wish long as they do not exceed £10,000 in total between them.

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Jul-26-14 19:58:12

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#2 Sep-23-14 07:28:45

yamateh
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Registered: Jun-05-14
Posts: 48

Re: Pet Insurance

What You Need to Know About cheap Oil Paintings For Beginners

There are many of you have seen Modern Painting and maybe this is something that you would like to do. There are many things you need to know for oil painting for beginners. What are some of those things? Well, here we have what you need to know about oil painting if you are new to this. The first thing which is first is to understand what you need.

Supplies are going to be needed when you start painting. That's a given. Of course oil paints and then brushes are needed. You'll need your canvas as well. Yet, there are other things which you will need as well. Charcoal is sometimes needed for you to begin your sketch. You'll also need a palette, palete knife, sketch book, painting mediums, and an easel.

Now, you also need to know how to draw. The reason that you need to know how to draw is because you will want to sketch your drawing. Beginners as mentioned, will use charcoal as they draw out their ideas and then use the oil paints to paint in the picture. So, if you aren't up on your drawing, we do recommend that you practice this.

When you do Abstract oil  Paintings, there are a few basics there. These are things that you really need to focus on. You first focus on the composition. This is where you place items and so forth. That is why you want to plan ahead and so forth. People look at paintings and wonder why artists put things in the places that they put them in. The next thing is color. Bright colors mean cheerful bright energy. Think of the mood you are going for when using your colors. Another is values. This is how you go about getting the three dimensional look. Try overlapping objects. Another one is texture, use the thicker oils for the more important areas on your painting. The last one is edges. This is where you make two Abstract oil  Paintings meet. When you use edges, you will want to make sure that you learn to soften them.

Article Source: bestikea

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#3 Nov-06-14 09:46:06

yamateh
New member
Registered: Jun-05-14
Posts: 48

Re: Pet Insurance

Genuine oil paintings are a perfect and affordable way to enhance the beauty of your home. They come in all shapes and sizes and are very unique. They are also painted on different types of material such as cardboard or canvas. These are also genuine oil paintings that usually cost millions of dollars. We're talking paintings by some of the most renowned painters in history. However, you can have genuine oil paintings without paying millions for them. There are plenty of artists out there today who produce these genuine oil paintings and sell them for pennies compared to what some of the most famous works have been sold for. What's great about these oil paintings is the fact that the only ones like them are the ones that have been copied. However, no one can paint a duplicate quite like an original.

Article Source: http://www.bestikea.com/
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