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Cat Insurance

 by: Jakob Jelling

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Cat insurance can help you afford expensive medications for your cat.

There are a lot of things that can happen to your cat as it gets older - from injuries to illnesses. For that reason, many cat owners have found it worthwhile to pay for cat insurance. Cat insurance is basically health insurance for your pet, and it is actually fairly affordable. This insurance payment has a low monthly fee, which varies depending on the type of pet you have.

For instance, cats generally have a lower insurance fee than dogs do. This fee is also lower if you enroll your cat while it is still relatively young, and will remain low if the cat does not get seriously ill. However, if the cat does become ill, this insurance will help you to pay for the vet bills that you might not ordinarily be able to afford.

Cat insurance is an especially good deal when your cat continues to grow older. After all, not only will the insurance pay for any veterinary procedures that must be done, or for routine check ups, but it will also pay for prescription drugs. Anybody who has ever had an aging pet will agree that the prescription drugs are where most vet bills start to get really expensive. Prescription drugs for arthritis could range anywhere up to $100 per month for just one cat! If you have cat insurance, however, you will not have to pay for the medication. Instead, after going to the vet, you just fill out an insurance claim and the prescription will be paid for.

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Cat insurance is also a good deal if you have a pure-bred cat. Most pure-bred cats and dogs will end up having some sort of trouble later in life. Cat insurance will mean that you don’t have to worry about those health problems nearly as much - since the veterinary bills will not be a problem.

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Don’t wait until after your cat is already sick to get ready to treat it. By paying for cat insurance now, you can prevent a lot of hard decisions in the future - now there will be no decisions made about your pet’s health based on whether or not you can afford to pay the vet bills. Even though it might seem like a lot of money is being spent on cat insurance each month, you’ll definitely get your money’s worth out of your cat insurance as your cat gets older.

About The Author Jakob Jelling is the founder of http://www.cashbazar.com. Visit his website for the latest on personal finance, debt elimination, budgeting, credit cards and real estate.

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Lawyers often receive inquiries about the legalities of recording phone or other conversations in Arizona. In particular, the issue frequently arises in family law cases where child custody is at issue. Related to the recording issue is the “bugging” issue.

There are a number of variables that affect the answer to the central question, whether it is legal to either record or even bug conversations. First, bugging and recording are two different issues under Arizona law, often related, but also potentially very different under the law.

Second, the laws regarding bugging and recording vary significantly by jurisdiction so what is legal in one state may be illegal in another. As well, the federal law may vary from state laws.

The following is a very brief analysis of the bugging and recording law in Arizona:

A. Bugging, otherwise known as wiretapping, typically means placing a device on a phone that allows one to eavesdrop on a conversation or other transmission. Bugging by a private party is considered illegal almost all of the time for two reasons primarily: First, it allows someone to listen to a private conversation between two or more unsuspecting parties. Second, bugs are usually placed without permission so you have a number of infractions inherent in such trespass-like activity. If you suspect someone has placed a bug on your phone or other device, you should call the police.

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B. In the case of a telephone or in-person conversation, recording simply means making a copy of the conversation between two or more people. Recording is illegal in Arizona if NO party to the conversation knows that the conversation is being recorded. However, in Arizona, and this varies by state, if one party to the conversation knows that the conversation is being recorded, it is not illegal. Thus, if someone tape records a phone call or conversation involving him/herself and another person, even one who is unaware of being recorded, that’s legal in Arizona. If the same person taps into a phone line and records a conversation between two people who are unaware they are being recorded, it is ILLEGAL. Arizona and federal law are similar in this respect; however, recording conversations is illegal in certain other states unless all parties know of the recording and consent. There may be some cross-jurisdictional issues involved when tape recording a conversation across state or national boundaries. Prior to tape recording, it is recommended that you consult an attorney in the appropriate jurisdiction.

In summary, bugging/wiretapping is always illegal while tape recording is legal in Arizona as long as one party to the conversation is aware the conversation is being recorded. However, don’t make assumptions about the law in other states -consult an attorney to determine what is allowed.

Phoenix office:
3030 N. Central Ave., Ste. 705
Phoenix, Arizona 85012
Ph: 602-631-9555 Fx: 602-631-4004

Goodyear office:
1616 N. Litchfield Rd., Ste. 240
Goodyear, Arizona 85338
Ph: 623-344-7880 Fx: 602-631-4004

Visit our website: www.wilcoxlegal.com
Check out our web log: www.arizonafamilylaw.blogspot.com

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Disclaimer: Wilcox & Wilcox, P.C. and its principles, agents and/or representatives, make no guarantees or representations as to the accuracy or currency of any information herein contained. Providing this brochure does not establish an attorney-client relationship. To create such relationship, both the attorney and potential client must sign a written fee agreement. This information is meant only as general information, may not apply to your case specifically and is not meant to be relied upon for purposes of taking legal action. You should contact an attorney in person for further and specific information. Our family law attorneys are licensed in Arizona only.

Copyright Wilcox & Wilcox, P.C. 2005

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About the Author

Attorney Trent R. Wilcox is the managing partner of Wilcox & Wilcox, P.C. Mr. Wilcox practices in the areas of family law, employment disputes and general civil litigation. Mr. Wilcox is admitted to practice in the Arizona state courts and federal district court and is a member of the Maricopa County, Arizona State and American Bar Associations.

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How to Teach Anger Management to Your Child

 by: Paul M. Jerard Jr.

Most of us recognize the continuing escalation of violence around us, due to intolerance, and many of us blame it on somebody else. Parents teach their children, all the time, and when one of us displays road rage, while our child is in the car, we teach a brand new skill set.

Although, road rage is inappropriate behavior, at any time, and can get you killed, most children who are exposed to it, will duplicate the actions of their parents, when they are old enough to drive.

So the first step, is to set an example and, possibly, use some of these ideas, for yourself. Studies show that anger causes atherosclerosis, the build-up of plaques in the arteries, that is a major factor in developing high blood pressure, heart disease, heart attack, and premature death.

Also, during a temper tantrum, adrenaline and blood pressure levels rise beyond normal. This behavior is more dangerous to parent s bodies due to the normal wear and tear already existing.

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Now, you may be convinced that anger can kill you, but let s look at one more factor. You could hurt someone else, find yourself in prison, or get yourself killed due to inciting violence against others. There are other people, who are having difficulty dealing with anger management too.

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Back to our children: All children need exercise and they are naturally full of energy. Look at any other species, and you will see the same behavior. Should we drug our dogs, cats, and parrots, when they display youthful exuberance?

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Children have to run, jump, and shout. So let them play in the back yard, in a park, and get them involved in sports, Yoga, dance, or martial arts. You will never regret letting your child enjoy life, constructively learn in the process, and just be a kid.

For all of us, there is a time to be quiet and a time to shout. Children need years to learn this, so let s keep them active in the process. Keep them away from the television, Internet, and video games, except for rainy days. Coloring books, board games, and reading are also good activities for rainy days.

A heavy bag is a great tool for letting anger out. You and your child can use it together. You can learn to punch and kick it, for the aerobic benefits, as well. If you have a friend who is a boxer or martial artist, you could get some pointers. After just a 20-minute session, I guarantee you, and your child, will have dealt with anger - there will be little, if any, left.

Teach your child forgiveness, through your own example. I am not asking you to let people walk all over you. However, let grudges go; life is really too short to keep a feud going.

You can also control your child s circle of friends, just by getting him or her involved in, group activities such as: League sports, dance, yoga, or martial arts. The parents who have their children in these activities want the best for them and are willing to sacrifice their time, or money, to get it.

This will keep your child busy, happy, and active, with a pre-selected crowd of friends, who have parents that care. This is a win win situation and well worth the investment.

This is not to say that every child you run into, at these functions, will be perfect, but in the above mentioned activities, all of them are structured, adult-supervised, and rules for behavior are in place. This form of organization becomes a habit, your child will follow these guidelines, and bring them home.

Here is another idea that will help. Have your child take care of a pet or a plant, every day. Children love to care for animals or plants, but they still need supervision. The result of this will be, your child learns compassion.

Compassion will keep anger in check every time.

About The Author Paul Jerard, is a co-owner and the director of Yoga teacher training at: Aura Wellness Center, in North Providence, RI. He has been a certified Master Yoga teacher since 1995. He is a master instructor of martial arts, with multiple Black Belts, four martial arts teaching credentials, and was recently inducted into the USA Martial Arts Hall of Fame. He teaches Yoga, martial arts, and fitness to children, adults, and seniors in the greater Providence area. Recently he wrote: Is Running a Yoga Business Right for You? For Yoga students, who may be considering a new career as a Yoga teacher. http://www.yoga-teacher-training.org/index.html AURAWellnessCtr@aol.com

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