If anyone has experience with making claims through pet insurance, I’d really appreciate you giving me some info. I am filing my first claim and am worried that they will call and find out that my dog’s condition was somewhat preexisting. While getting her 3rd round of puppy shots, my vet noticed a place where my puppy had been scratching. He thought it could be a food allergy or just something irritating her skin so he put her on antibiotics to keep it from getting infected. Now, a couple weeks later, she has bumps and lesions. They did a skin scraping and although they didn’t find mites, treated her for scabies due to the pattern and looks of her inflammation. I got pet insurance between the two visits. In your experience, will they call my vet to get more info & if so, do you think the claim will be denied? Thanks!

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So anyway I’m 90% sure that I have very large tumors in my liver and bile ducts. I currently lack medical insurance and only have to my name. How can I diagnose my cancer at home and achieve a reasonably accurate prognosis? My sister used to be veterinary technician, so I have somebody with some medical training. Please advise.

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I mean from reputable agencies, not answers or wikipedia or media sources.

I have been told that Pit Bulls are found in fewer American homes than Labs and Golden Retrievers and are actually not particularly common in the US

I was told that Animal Planet did a Dog 101 thing with bite statistics that had GSDs on the top of the list for bites (not bite fatalities or serious injuries, just bites) followed closely by Golden Retrievers and Pitbulls were pretty far down on the list. (Ha, I saw someone’s blog all upset that animal planet would tell such a lie about the perfection of the Golden Retriever!)

There is a debate right now on change.org whether or not insurance companies are right to black list pit bulls, supposedly statistically you are more likely to be bitten by a pit bull. I know if a Pit bull DOES bite you you’re in for more damage than if a Chihuahua bites you and that was my personal misconception.

Are there legitimate references out there with this information? College studies, veterinary research, etc? Or do people just pull this stuff from every direction and make it up as they go?

(ps- When I say "Pit Bull" I am not referring specifically to the American Pit Bull Terrier but to the 20+ breeds of dog that fit into the "Pit Bull" "type", also know as "bully breeds" or "bully dogs").
I’m sure there ARE statistics out there, I would like to know WHERE.
I have done my own research, to no avail. All I’ve been able to locate is the one CDC page and individual pages (skewed in one direction or another – nothing objective). Hence being here looking for additional resources.
T J’s link is the one I’ve seen before

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Hi I wanna know from a parents view on this.

First i am 27 years old and turning 28 in december this year. I travelled asia and throughout for a total of 3 and a half years and worked in china and japan for 2 and half years as a foreign teacher.
Recently my parents, father who is 65 yrs and a mother in her early 50s have decided to retire and are currently building a house as we speak. I am in holiday mode at this point and trying to get some break and spend some time with them to enjoy the new house.

I am the only child in the family and even in my early 20s my parents still gave me a curfew because they were overprotective, they still treat me like a child until now as i am unmarried and have no children. This included giving me thousands of dollars, a car and a future house, clothes and other materialistic posessions. When i was working my mother insisted on paying for my car insurance and medication whenever i got sick and still give me allowance every week. When things got abit difficult in china i ran out of money and my visa expired they bailed me out and gave me thousands of cash and i mean lots and lots of money.

The only trouble is my father somewhat feels that i cannot do anything by myself after what happened in china when i did purposely asked for their help. Eventhough him knowing that i was in big trouble and i had no other choice, he did not appreciate it.
My exboyfriend whom they hated still continues to come up in dinner conversations, debates and arguments. I did end up leaving my ex not only because it did not work out between us but also to end the conflict between me and my parents.
Now i mistakenly think that its all over, they bring up the china part and then everything else. My father says i am a failure and i am nothing close to perfect which is very hurtful.
Yesterday my mother was talking with her friends and mentioned something about me working in an airport which i had no plans or idea about. I wanted to work as a teacher again teaching english but here in australia or doing the veterinary thing but i realised that is still far to go as i have to go through so many courses to pass the test. I got angry and confused because my mother did not tell me about anything to do with working in an airport and I told her that She and my father had no right to make plans for me because i am now a grown up and can plan my life myself and i know what is best for me, i mean i am nearly 30 and have travelled half the world by myself and have lots of experience?!
I told her however that its ok for her to suggest things to me or give me advice but not making decisions because I am old enough to make the decisions.

Anyway after she came home she was furious and was yelling and shouting while i was in the shower. she said to me that I have no respect for her with how i said the things i said to her and what i said. She said she doesnt understand why i was angry and yelling? (ok we were texting by the way) Any she repeatedly implied that i had no respect for my parents by saying that ‘i didnt want her making plans for my life because i was old enough to make my own plans’. Suprisingly my father agreed with her and they both just started ganging up on me?
I felt afraid everytime i walked pass them and come on i got so nervous and angry at the same time that my already shaking hands (due to hyperthyroidism) was shaking even more.

At the end of the night, i walked into my parents room and apologised because it was the only logical thing to do. They my parents have never said sorry out of all the times that they may have been in the wrong, not once have they said sorry to me but i always said sorry, i always gave up the battle because i know that parents think they are always right just like customers are right. Then they brag about everything they have done for me and all the money (nearly 0,000) that they given me throughout the years and i have done nothing of the equivalent. This is what really stabs me right in the heart. It makes me feel guilty. i never asked money half the time they are just throwing it at me and smiling saying ‘here have all this money we love you’. But everytime i do something they do not approve of or do not like or we get into some kind of arguement and i happen to yell back – they bring all this sh1t up about it.
After yesterday my parents are not going to buy me a car when i get back to work eventhough they kind of promised they would because they were concerned about my safety. My father keeps telling me to say sorry to my mother like a hundred times and perhaps she might just hand me some money. And i have to admit i need money now more than ever because i lost my job and i am currently studying a short course.
So now the car thing is gone and i am just going to forget whatever they promised or said to me because in reality i really should not be expecting this from them as i am old enough to work and save money myself, but t
Well first of all i dont stomp and yell like a child lol. I try to reason out with them. I have lived and stood by myself for 2 years in another country without bothering them for a long time. And plus other people i know also get handed money every time they get into trouble but their parents dont treat them like a 12 year old with curfews and tell em how to live their lives?
And i have apologised to them, didnt your read all of my post? What do i have to do apologise a hundred billion times over and over again ?
Are you an asian parent?
Reply to Parent: I assumed as mature as you already are would know that there are a number of aspects to maturity of an individual and is accumulated at different times given the experience that vary at different stages in ones life. Maturity like emotional maturity changes from time to time depending on events that leave an impact eg; trauma. Emotionally immature people are usually driven with the lack or fall of logic thinking my psychiatrist once stated, but that does not mean one is not capable of functioning in the adult society. Some if not most of us are still learning something new each day even as a teacher and that is why we are here in life in our own trek.

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I got a puppy GSD a little while ago he was 4 months when i got him he is almost 7 now. I haven’t had the chance to take him to the vet yet but i plan to asap i will call and make an appointment tomorrow morning. Anyways about how much will this cost. it is my first time he isnt registered yet, i also plan to do i have been very busy, and he doesnt have insurance. Under vaccines on his veterinary health certificate(the breeder i bought him from gave it to me) it says LCI-GP and also DURAAMUNE Max 5. im not sure what they are but i guess he had 2 shots already? What other shots will he need how much for everything including the shots? and will i be able to ask the vet specific thing to check out like the pink spot on his lip and a spot where i pulled a tick off of him and not be charged extra?

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My parents who are bankrupt recently spent a great deal of money on a leg injury our dog suffered on a staircase. He’s still on the mend, so unforeseen expenses could still be on the horizon. Meanwhile, our cat is terribly, inexplicably sick and just underwent 260 dollars worth of ultimately inconclusive blood work. The veterinarian suggested that we continue with further testing that will cost an additional 350 dollars, not including resulting treatments that may add up to 400 dollars worth.

My mother makes a very large amount of money, but this doesn’t make any difference, because, due to her income, our monthly bankruptcy payments are over 1,000 dollars. The remaining five thousand of Mom’s monthly paycheck, after being divided by bills relating to rent, utilities, groceries, insurance, car payments and gas, will end in 300 left over dollars. That being the case, since our cat is only six years old and seems to have a life-threatening illness, our only option is to pursue some sort of payment plan. Also, because of our recent enormous cluster of veterinary and mechanical expenses, my parents are being forced to consider returning our dog to the rescue we adopted him from six months ago.

What are the long-term financial risks of undertaking a veterinary payment plan? Will this register automatically as a debt and possibly exacerbate our bankruptcy? Our veterinarians seem very understanding and friendly, but is there any chance that they may take advantage?

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Breed: Great Dane (European bloodline)
Age: 2 & 1/2

Here’s the deal, I took him on a walk yesterday nothing crazy, like 1-1.5 miles. He was great, energetic, and happy. When we got home he drank some water and passed out for about 4 hrs. When he woke up he stood up and let out the loudest squeal I have ever heard out of him (or any other dog for that matter). When I got to his bed, he was slightly favoring his right side. He does suffer from leg cramping from time to time although it has always been in one of his hind legs (bicep femoris group, like our hamstring). When he cramps up however, he does not vocalize discomfort, very heavily favors the unaffected leg to the point of zero weight put on the cramped leg, and finally he will lay down and let me work the cramp out of his leg with no reoccurring cramping.
Whatever is wrong with him does reoccur, only when he attempts to stand, localized in the humeral or scapular area of his left forelimb. When he is finally up and about, there is no noticeable signs of pain as he maneuvers normally (I say normally for a reason, I’ll explain: he was hesitant and did yelp when he jumped into the car after the vet visit). And there is no signs of pain when the affected limb is manipulated at each of the joints, in all directions.
I took him to the vet today. He got out of bed with no problem and jumped into and out of the car with no problem. The examination consisted of basically what I was doing by manipulating the different joints with no discovery of any problems whatsoever.
This is what I was afraid of. What I thought was he was just cramping up but his scruff retraction was fast, and his urine isn’t dark. Maybe K+ deficiency? I had them run a panel to check electrolyte/K+ counts to rule out dehydration or K+ deficiency.
So what else is there? Fractured scapula, humerus, ulna, radius? It would have to be hairline in nature right in order for him to put weight on it, right? Repeated dislocation? Torn muscle/tendon/ligament? But wouldn’t that hurt if I were to manipulate it? I don’t even want to say it! Dysplasia!!!???? But he’s only two and a half! The vet told me she’s seen it in danes as young as one!!! Could it be something more exotic like osteochondritis or arthritis?
There is no penetrating wounds me and the vet both checked. If it is a fracture, or strained tendon, or something along those lines there is no real medical recourse for it, just rest and pain management. And I feel like a terrible person about what I’m about to say next so don’t judge me okay. The vet said it would be between 0 and 0 dollars for imaging with no guarantee of diagnosis. I love my dog like a son, (isn’t it evident by the shear length of this post?) but because he’s so young I haven’t gotten any insurance for him (spare me the lecture on Dane’s susceptibility to illness I know). I also don’t want to hear about the fact that I shouldn’t have gotten a dog if I can’t afford to keep him in good health. That’s not true, he eats very well, and is always up to date on shots/vaccines and cost isn’t a factor. I just don’t want to drop 0+ on imaging that can’t guarantee results, I’m going to med school next year and just don’t have the means to justify that.
Thank you all for reading this massive post, and I hope someone out there can give me some sound, knowledgeable advise.
P.S. I’d appreciate it if those of you out there who only post answers to gain points to skip this one, I’m looking for someone in the veterinary field, or who has had experience with danes/similar scenarios.
Thanks,
Garlanbc

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Anthony Castro, 37, says he’s always used his lucky coin – a spiritual coin with the Holy Trinity on it – when he plays Idaho Lottery scratch games. On Sunday, he used the coin to play Idaho Millions, and found that he had won 0,000.

He bought the ticket at the Jacksons store at Maple Grove and Ustick roads in Boise.

"This is just a gift from God," said Castro, who was still in shock, disbelief and excitement over his windfall Tuesday morning. "I stayed up all night (Sunday). I got two and a half hours of sleep, and then went to the Idaho Lottery headquarters Monday morning."

"I’m as happy as can be," Castro said. He’s moving to Portland at the end of the week for work. He’s an insurance agent for Primerica Financial Services.

After taxes, Castro took home 8,000 (federal taxes amounted to ,500, while state were ,500, according to Idaho Lottery spokesman David Workman).

Castro said he has already donated 10 percent of his winning, or ,800 to his church, Calvary Chapel, and invested ,000 in mutual funds. He also agreed to pay the veterinary bill for his ex-wife’s dog, who has an injured leg. The rest of the money is in the bank, where he plans to keep it.

"Don’t waste the money on anything stupid," Castro advised others.

Castro grew up in the Bronx, where he was shot in the head by a gang member at 19. He moved from New York State to Idaho seven years ago because of fear after the 9/11 terrorist attacks – he witnessed the World Trade Center Towers collapse from a bowling alley in the Bronx. He came to Idaho with little money and ended up in a shelter for about three years until he could get on his feet.

"God was telling me, you need to get out of New York," Castro said.

Castro said he’s been playing lottery games, particularly scratch-offs, for many years, spending as much as 0 at a time on games. But he said Sunday’s game was his last.

"Why be greedy," he said. "I’ve won my share. I’m investing, I’m set. Why would I need to play anymore lottery? I’ve gotta give it to the next person."

The lottery winner says he plans to spend more time bowling and playing pool and tennis.

Castro is the second 0,000 winner of the Idaho Millions scratch-off game; there are four 0,000 prizes still available. For selling the winning ticket, Jacksons Food Stores will receive a bonus worth ,000.

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i have farmers insurance

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okay…this is gonna be a long one.

My fiance and i have been dating for two years and two months now and were both freshman in college, and the whole entire time, my mothers hated him for no reason…she even hated him before we started dating….(we’ve know eachother for four years now and when i asked to stay at his house once before we started dating she said "no, cause he’ll rape you."….right in front of him and the other people who were going to be staying there…so its not like i would be alone with him)

My fiance is not a bad person, he held his high school job for 5 years (which i never could) and hes going to college to be a powerline man, so he will be able to support me in the future if needed…he also is going for autobody technician…so he will have two sources of income for us. hes never gotten in trouble, not even a high school detention…and he was always polite and respectful…if not shy…

When i told her that we started having sex….(we were both juniors, and i wanted to start on the pill to prevent any pregnancy’s, and i needed our insurance.)…she cried allot and stopped letting me see him…and i could only see him at school, and that lasted for like 2 months….i finally started telling her i was going to another persons house or football games and instead snuck over to his house.

During this time i changed my mind on allot of things…(like any other high school girl)…and she attributed all of these changes to my fiance…she said that i havent changed my mind about those things since i was five, then i started dating him and "everything" changed…

Before we both went off to college he asked me to marry him (about two weeks before our two year anniversary). But when i told my mum, she said that i cant get married unless hes going to pay for the rest of my school and all my expenses, and i have to go to veterinary school (so eight + years of college)…and i dont want him to have to do that because we need to save our money for a house, and a wedding, and for our future kids (we planned ahead)….

I also changed my mind on where i want to go to college, and the college i want to move to just happens to be only an hour away from where my fiance is going to school…she also thinks this is because of him, which its not…im just not happy with where i am…im also paying like 35,000 to go to school where i am…and the other school is so so so so so much cheaper…so youd think she would have no problem with that…since id be getting the same level of education.

and i would like to get married now, and not have to have him pay for everything of mine…i dont want to be the one old lady whose kid is in 5th grade…and i dont want to loose all of my youth and chances to have fun with the person i love….

what should i do to make her see that its okay to be married and not have your spouse pay for everything…. especially when youre only 19…if we were out of college and had jobs i could see her point…or if wed only been dating for a year and never knew each other before then…but we’ve known each other and been with each other for four and a half years now…you would think she would see how much we love each other…

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I am getting married summer 2010, after being together for 5 yrs (he will be 22 and I will be 23). We are both late bloomers for going to college. I did get certified to be a veterinary assistant, but decided to go to more schooling for more lab work. I am in my first year taking my generals to be a Clinical Lab Technician, I will graduate when I am 25 in yr 2012. He is going to school to be an Electrical Engineer and already has his first year out of the way so he also will be graduating yr 2012, at the age 24 (he may go on to grad school but isn’t sure yet). We also both said that we would like to have children at a younger age. Plus, his school has daycare for students with kids. My older sister and her husband are both in college and we have seen how they live and what they spend there money on from there student loans. My sister even said that if she got pregnant right now it would be hard but they could manage if they had an unplanned pregnancy. Her spouse and her are paying rent, a car payment, they bought new furniture, new TV, they go on cheap vacations, and have 2 cats; she only works in the summer, and he only works part time during the school year and full time in the summer the rest of there money comes from student loans. So here is what my fiancee and I were hoping to do: we want to get pregnant during our 3 yr of college so that the baby would be born in the summer going into our last year of college, and we would spend our money differently from what my sister and her spouse are, we would have daycare through his school and insurance too. My fiancee is guaranteed a job right after he graduates because he is getting his schooling paid for through the ROTC program and will have to serve in the Air Force for 4 yrs after he graduates. I feel this is a good time to start a family. We have talked about it and he said the answer isn’t a no, it is a maybe because he said he isn’t sure I’m ready to take on the responsibility. ANY SUGGESTIONS?? Would this be a good time to start a family? Does it sound like we have it planned out right?
We talked about it more and we found a way that I can possibly graduate in 2 to 2 1/2yrs instead of 3yrs. We were actually pregnant with an unplanned pregnancy while I was going to school to get certified as a veterinary assistant (plus I feel I have that to fall back on if need be). The pregnancy ended with a miscarriage though. So, I went through being pregnant and a miscarriage all while in school already (and I came out with a B 3.0 GPA didn’t drop any classes or anything) so we aren’t really worried about me being pregnant and being in school cause we have already had experience with that. Thank you for your comments everyone. We have decided that unless we can find a way for me to finish school sooner than 3yrs we will wait. My whole last semester of school would be an internship so my whole last semester wouldn’t consist of a lot of studying for me. We are hoping that I can at least be able to finish my classes in 2 1/2yrs then we don’t have to wait.

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Hello,

Could someone please give me a quick run down of the living expenses for a married couple living in Toronto Canada?
We are looking at renting a house in Pickering and eventually we would like to buy a home as soon as we know how we are financially.
So I’ve composed a list of monthly bills. I just need someone to enter the amounts for me.

1. Mortgage Payment or rent, for a reasonably sized 3 bedroom house in a nice safe area such as Pickering. $

2. Heating per month. $

3. Electricity per month $

4. Other utilities, such as phone, internet. etc. $

5. Groceries & other essential items $

6. Automobile loan, for a reasonably priced car $

7. Gas $

8. Insurance, if we opt to pay it monthly $

Is there anything else I’m forgetting? And let’s assume both my husband and I are earning ,000 per year… how much would we be left with after the taxes have been deducted?

My husband is a computer engineer, I work as a Veterinary assistant.

Thanks.

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Hello,

My husband and I are thinking of moving to Barrie, Ontario. My husband was born in Canada, but left when he was a teen. He currently works for a computer firm as a computer technician, with 10 years experience. I am a Veterinary assistant, although I haven’t had any formal training. I have also worked in an office environment, and have a great reference from my former employer. We would like to know what our chances are if we were to move to Canada. Would we be able to live comfortably with average incomes? What would we be left with after taxes have been deducted from our salaries? Would it be enough to cover our rent, and other expenses? And how much is car insurance, on average? At least one of us will need a car. My husband has been driving for 15 years, and has a clean record. We would like to rent first before buying our own home. Would the mortgage payments be too high for a modest home? We will have ,000 CAD for a down payment.

Please advise! Thank you

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okay…this is gonna be a long one.

My fiance and i have been dating for two years and two months now and were both freshman in college, and the whole entire time, my mothers hated him for no reason…she even hated him before we started dating….(we’ve know eachother for four years now and when i asked to stay at his house once before we started dating she said "no, cause he’ll rape you."….right in front of him and the other people who were going to be staying there…so its not like i would be alone with him)

My fiance is not a bad person, he held his high school job for 5 years (which i never could) and hes going to college to be a powerline man, so he will be able to support me in the future if needed…he also is going for autobody technician…so he will have two sources of income for us. hes never gotten in trouble, not even a high school detention…and he was always polite and respectful…if not shy…

When i told her that we started having sex….(we were both juniors, and i wanted to start on the pill to prevent any pregnancy’s, and i needed our insurance.)…she cried allot and stopped letting me see him…and i could only see him at school, and that lasted for like 2 months….i finally started telling her i was going to another persons house or football games and instead snuck over to his house.

During this time i changed my mind on allot of things…(like any other high school girl)…and she attributed all of these changes to my fiance…she said that i havent changed my mind about those things since i was five, then i started dating him and "everything" changed…

Before we both went off to college he asked me to marry him (about two weeks before our two year anniversary). But when i told my mum, she said that i cant get married unless hes going to pay for the rest of my school and all my expenses, and i have to go to veterinary school (so eight + years of college)…and i dont want him to have to do that because we need to save our money for a house, and a wedding, and for our future kids (we planned ahead)….

I also changed my mind on where i want to go to college, and the college i want to move to just happens to be only an hour away from where my fiance is going to school…she also thinks this is because of him, which its not…im just not happy with where i am…im also paying like 35,000 to go to school where i am…and the other school is so so so so so much cheaper…so youd think she would have no problem with that…since id be getting the same level of education.

and i would like to get married now, and not have to have him pay for everything of mine…i dont want to be the one old lady whose kid is in 5th grade…and i dont want to loose all of my youth and chances to have fun with the person i love….

what should i do to make her see that its okay to be married and not have your spouse pay for everything…. especially when youre only 19…if we were out of college and had jobs i could see her point…or if wed only been dating for a year and never knew each other before then…but we’ve known each other and been with each other for four and a half years now…you would think she would see how much we love each other…
I did not change where i want to go to school based on him, if that wouldve been the case, i wouldve gone there in the first place. Im going to Iowa State University…and its a very large and very competitive school…and i would do better and get farther in a smaller school. thats why i changed my mind….not because hes closer.

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