Picture this: Your beloved family pet has wandered home with a limp. You take them to the vet and find out they need surgery on their leg. This is the time you’ll be thanking yourself for taking out pet insurance. But what if disaster never strikes? Here are some things to consider when choosing a pet insurance policy.

Pets are expensive

A study by the People’s Dispensary for Sick Animals predicted owning a cat can cost up to $30,942, and owning a pup can cost up to $42,545. Factor in routine medical checks, flea and deworming medication and old-age problems. If you end up at the vet, how much is that going to cost without a bit of protection?

Policies with preventative measures

Not only can pet insurance help in the case of an accident or a major health condition, but many policies actually cover your pet for the smaller procedures like spaying or neutering and microchipping.

Preknown conditions are not covered

The mistake that many pet owners make is waiting to see if they need pet insurance. But if you decide to get covered after your furbaby gets sick and needs constant checkups, you won't get a payout for it.

Better safe than sorry

Our furry friends become a part of the family. The last thing you want is to have to decide between financial stability and the loss of a pet.

If you're wondering if pet insurance is right for you, get in touch. 

When Hannah Brencher was struck down by crippling loneliness after moving to New York, little did she know that her coping mechanism would become an international movement spreading joy across the world.

As an outlet to release her emotional tension and fight back against the stress and depression the move had brought on, Brencher began writing love letters and leaving them around the city for strangers to find. She'd leave them in grocery stores, on the subway and in other public places for anyone to pick up, spreading little bits of joy to those individuals lucky enough to happen across them. Their impact was genuine and meaningful to many of the people who found them: one recipient described riding on the subway, having just discovered her mother had cancer, looking to the side, and finding a letter full of the positivity she needed to carry on.

Four hundred letters and a plethora of grateful recipients later, it was clear this was becoming bigger than Brencher had ever imagined, and thus, The World Needs More Love Letters was born. Taking requests for handwritten letters to be sent around the world, Brencher's organization has sent thousands of them to 50 different countries, bringing words of encouragement to those deserving of the love. Recipients range from family members who deserve appreciation, friends in need of a lift, children in hospitals braving their treatment and more. Through their recent Campus Cursive program, the organization has also sent love letters to more than a hundred college campuses. Truly inspiring as we approach Valentine's Day.

Preheat oven to 350°F.

Grease 8x8 square pan and set aside.

Combine melted butter, oil, cocoa and sugar in medium bowl. Stir until sugar is dissolved.

Add eggs one at a time, then add vanilla and stir until well combined.

Stir in flour and salt until fully combined. Do not overmix.

Spread in pan. Bake for 20-22 minutes or until the center is slightly set.

Cool completely. Cut into 9 squares.

Not all of us have everything in the bank. Especially in these times of financial instability, more and more citizens are investing in cash and gold rather than keeping everything in one place. But whether it's stuffed under the mattress, buried six feet under in the backyard or locked tightly away in a vault, are you insured if someone manages to break in and steal it?

Most standard home insurance policies will only cover up to $200 worth of money, notes, medals, coins, bullion, silverware and gold. If your belongings add up to much more than that, you may need to alter your insurance to match.

Floater policy

Floater policies cover any kind of loss. This means even things your homeowners policy won't cover, such as a gold bar or an antique coin. Any items that fall under a floater must be professionally appraised, which gives you a higher coverage limit.

Scheduled personal property insurance

This is a policy that extends coverage beyond the standard protection provided by a homeowners' insurance policy. You can even take this out on items stored in a safe deposit box at the bank. By purchasing a scheduled personal property policy, owners can ensure full coverage of expensive items in the event of a claim.

Use a safe

Of course, this isn't the only thing you should do to protect your valuables. However, if you insist on keeping items such as gold bars in your home, invest in a vault. You can also use an authorized depository at companies such as HSBC Bank and JPMorgan Chase.

If you're still unsure about what option works best for you, get in touch with us. We can talk you through your options and help you make the decision that's best for you.

Choose Bitcoin as well or instead If you learn more about what money is this will become obvious. Reach out to us anytime if you want to learn where to start educating yourself.
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February 17 is International Random Acts of Kindness Day, and for the whole week, people are encouraged to celebrate kindness and reap the scientifically proven positive effects that come from being kind to others.

If you'd like to get involved but need some inspiration for how you can be kind this week, here are a few ideas to get you started.

Do a favor or run an errand for a friend. If you have some free time on your hands but know someone who's overwhelmed with their own commitments, offer to give them a helping hand and lighten their load.

Surprise someone with a gift. Gifts don't just have to be for birthdays or Christmas. Think of the joy you feel when your loved ones are opening the perfect presents, then imagine how much better it feels when they weren't even expecting those gifts in the first place.

Volunteer at a soup kitchen. Helping those members of society most in need is not only rewarding: you can walk away knowing that you've made a positive change for people that may not be used to acts of kindness.

Give a compliment to a total stranger. It's nice to hear compliments, and not everyone is used to hearing them, let alone from strangers. One little compliment could completely change someone's day for the better, so give it a try.

Give thanks to the people close to you. It's easy to forget how much we need the people we love and how much they do for us every day. Take time out to actively appreciate and thank your loved ones for helping you be the person you are today.

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What Money is and Spread Kindness to Your future self in the form of Value Preservation.