The Internet is a powerful tool for the savvy online consumer. You can review products, compare prices, research companies and purchase almost anything. Following this trend is the increase availability of insurance online. Insurance companies are providing coverage information, quotes and even contracts online. This includes automobile, homeowners, life, medical and even pet insurance. Insurance has traditionally been a high customer service field with direct human contact with your insurance agent. Because of the change in customer contact, the migration towards providing insurance online has not always been a smooth one. Instead companies are finding some tools work and others only cause frustration or confusion. Indeed, the availability of insurance online is still fluctuating and developing. Below we have compiled a few of the ways you can utilize online insurance options and determine if it is the right tool for you. Researching and obtaining insurance online is much easier today. Many websites now offer comparison tools that will provide quotes and coverage information (some of these sites are listed below). Keep in mind if you choose a carrier from these searches, you will then be contracting with that carrier for your insurance, not the original site. This will either be done by forwarding you to the carrier's website or the comparison site will forward your information to the insurance company and they will then contact you. Many insurers still prefer to have a representative call you and discuss your coverage over the phone. Although not the same as meeting with a personal insurance agent, it allows them to make certain you understand the coverage provided. Also, because buying insurance online is new, many companies believe that individualized customer care is still the best way to get your business and a follow up call still provides some of this customer service. The Pros There are many benefits for utilizing online insurance: Easy comparison shopping: Using insurance comparison websites you can compare coverage and prices on almost any type of insurance. You can also browse the individual insurance carrier websites once you have narrowed your search. Almost all companies now have libraries and tools for you to learn more about their services online. Your time is money: Shopping for insurance online can be done at any time of day. It is hard to get time away from your daily schedule to sit down and comparison shop with insurance brokers, or indeed, individual agents. Low pressure: Let's face it, many people find it easier to stand firm without the person-to-person contact. Users feel they can be more savvy and better informed when every option is at their fingertips rather then relying on an agent's account. Save money: Due to the time needed to comparison shop, the pressure to stay loyal with one company, and the uncertainty about other companies, some may lose money by staying blindly loyal to one insurance carrier. The online market allows for easy comparison shopping, less pressure, and research tools to learn more about other companies. By becoming well informed, you can either work out a better rate with your current provider or move to a new provider who offers better coverage for your dollar. Buying Auto Insurance? Insurance Institute for Highway Safety Click hereThe Cons Be aware of these complications when purchasing insurance online: Understanding coverage options: Without an agent to explain 'insurance speak' you may not know all the coverage you may need. This is especially the case for those getting insurance for the first time. However, if you have discussed options with an agent before and have a generally good idea of the type of coverage you will need, this may be something that is manageable with a little extra research. Is that quote really a deal: All quotes may not be equal. Take care to examine all the coverage included with quotes. The online quotes may help you narrow your search, but should not be taken at face value as not all companies offer the same 'comprehensive' coverage. Buying insurance coverage in your state: Not all states will allow you to purchase insurance online. Some allow you to get quotes but still require you to meet with an agent before signing any contracts. Also, because the internet clouds locality, you will need to make sure the insurance carrier is licensed in your state. Individual customer care: Do you really want to push 1, then 2, then 4 to talk to someone about your insurance coverage? Working with a local agent still offers the advantages of individualized customer service. This agent can offer coverage that speaks to your locality as it is more likely they live in your community. They will also have a better knowledge of the coverage their carrier provides and can help you understand all of your options. They may also be aware of more discounts available to you that you may not know to ask for online. In this way they can offer better individualized care. Whether you choose to shop for insurance online or not, you should look at your insurance carrier websites. Insurance carriers now offer detailed information about coverage online. In fact, once you have settled on a carrier you can often answer coverage questions, pay bills, get updates on claims and find useful tip sheets and information on how to better protect yourself and your property. A primary example of this is your health coverage. Most health insurance carriers still prefer you to sign up through your employer or an agent. However, once you have your coverage, they offer information about doctors, medical options, prescriptions, and claims. Considering health care is one of the most complex types of insurance used, their increasing online presence is an invaluable tool. To explore online insurance options more, please see the links below. More Information Online Insurance Comparison Sites Insurance.com http://www.insurance.com/ Quicken https://secure1.insweb.com/cgi-bin/gic.exe?id=UzB94xbaYQ-wpGWHlZbh8l8ZtxL&page=/gic/Quicken.htj InsWeb http://www.insweb.com/ Insure.com http://www.insure.com/ Insurance Company Rankings AM Best Company - Insurance Reports http://www.ambest.com/homepage.asp Consumer Reports (requires membership for ratings) http://www.consumerreports.org/cro/money/insurance/index.htm Standard & Poor's Ratings http://www2.standardandpoors.com/portal/site/sp/en/us/page.topic/ratings_fs_ins/2,1,5,0,0,0,0,0,0,0,0,0,0,0,0,0.html?lid=us_fo_ratings_insurance US News & World Report - Top Health Insurance Companies http://health.usnews.com/sections/health/health-plans/index.html State Insurance Regulators http://www.consumeraction.gov/insurance.shtml Online Insurance articles. http://www.onlineinsurance.com/ When purchasing any product online you always want to make certain it is an authentic website representing a verifiable company with a good reputation. Here are some tips for a safe and rewarding online shopping experience: Be assertive in getting answers about an online company you have not worked with before. Learn as much as you can about them and ask tough questions. Check reviews online, in magazines, with your Secretary of State/Attorney General, the Better Business Bureau, or by word of mouth. Call them up and talk to their customer service. If they don't list a contact number be careful. Review posted company information, policies and the privacy policy. If they do not provide this online, you can move on or call them up to ask why. Make sure any payments are made in a website with https or other secured system. Keep a printed copy of every online transaction. Consider using one credit card for your online purchases/payments. This way you know which to cancel in case of fraud. Also, make sure the card is not linked to any bank account. Some prefer getting a pay as you go credit card for any online transactions. These can be found at any grocery store and can be refilled as needed. Keep your computer updated with anti-virus software, browser updates and spyware programs. NEVER provide personal information from an email they supposedly sent to you. This is a common phishing scam. Everything in the email will look legit but lead to a false site collecting your information. Instead call the company with the number on your contract - not the number given to you in that email! Initiate contact yourself. Go to their website yourself from the address they gave you on your contract. To be on the safe side, never go to their website from an email. Don't give account information to anyone. Your online providers have this information and if anything will be emailing you a forgotten password - never vice versa! Change your account passwords often; every six months to once a year. Use strong passwords with numbers, symbols, changes in case and at least 6 characters.

With all of the environmental problems our world is facing today, every day people are looking for ways that they can make a difference. Earth conscious individuals everywhere are recycling their paper, plastic and glass, purchasing hybrid and electric cars but what more can people do in their day-to-day lives to make a difference? When it comes to earth-friendly home improvement measures, you'd be surprised at the amount of "small stuff" you can do that really adds up in a big way. Here are a few of my favorite eco-friendly home improvement tips.

1.) Change a Light Bulb, Change the World: One of the smallest things you can do with one of the biggest potential impacts is changing one, single light bulb in your home from an incandescent to a compact fluorescent light bulb (CFL). According to the U.S. Department of Energy, if every American home replaced just one bulb, we could save enough energy to light more than 3 million homes for a year. That translates into savings of over $600 million in annual energy costs. Additionally, by changing just one light bulb, we could prevent the release of greenhouse gases equivalent to emissions of over 800,000 cars! That's incredible! While CFLs do cost a bit more up front, they last up to 10 times longer and produce about 75% less heat. The best part is, you don't need to buy all new lighting! CFLs can be used in most standard light fixtures. While the impact of every American switching one light bulb to a CFL is staggering, why not change a couple? It's recommended that a CFL be installed into any fixture that is used for more than 15 minutes at a time, including fixtures in the living room, bedroom and kitchen.

2.) Paint The Town Green: If you have a painting project on your list of "to-dos," consider using low or no VOC paints. VOC's (Volatile Organic Compounds) are low level toxic emissions that are released into the air during the painting process and sometimes, for years afterward. While zero VOC paints are ideal, these can cost on average, about $30 a gallon. If you are on a budget, low VOC paints are a suitable option, costing about the same as a regular gallon of paint. Many of these low and zero VOC paints are also odor free, which is a plus. You can also purchase low and no VOC stains and varnishes for your woodworking projects.

3.) If You Build It Green, They Will Come: When it comes to purchasing furniture for your home or apartment, it’s a good idea to be thorough when shopping around. I'm not just talking about shopping for the best price - I'm talking about shopping for the "greenest" manufacturer! Take bedroom furniture manufacturer, Lifestyle Solutions, for example. Lifestyle Solutions has its manufacturing process certified for compliance by the International Tropical Timber Organization (ITTO) guidelines for sustainable management of tropical forests. Every single product they produce is constructed from plantation-grown imported hardwood to help ensure a sustainable use of timber. Bedroom furniture manufacturer Vaughan-Bassett on the other hand, employs a One For Program, in which the company replaces every tree used in the manufacturing process, with a new one. By shopping with a more earth-friendly company, you feel especially good about your investment - and let’s face it, good furniture is definitely an investment.

4.) Clean Living: When you clean, have you ever stopped to look at the bevy of chemicals found in most household cleaning solutions? I always go by the mantra of "if you can't pronounce it, it can't be good." By using natural cleaning products, you eliminate both direct contact with your skin and you help the environment at the same time. Since most conventional dish and laundry detergents are petroleum based (non-renewable resource), with fragrance that contain phthalates (potentially harmful chemicals), you should try and use "fragrance-free" products and cleaning products with a citrus-oil base. Home-made concoctions are also great ways to clean a more eco-friendly way. Remove stains by soaking fabrics in water mixed with borax, lemon juice, hydrogen peroxide, washing soda or white vinegar. Baking soda can be used in place of traditional cleanser for cleaning countertops and stovetops. Try adding one-quarter cup of white vinegar or a tablespoon of lemon juice to a spray water bottle and clean your windows. By taking a pot of boiling water and flushing it down your drains, you help prevent drains from clogging. If your drain is already clogged, try a mixture of baking soda and vinegar. Sprinkle one fourth cup of baking soda into the offending drain and then pour a cup of vinegar, letting it sit for 15 minutes. Flush it out with boiling water and repeat as necessary. When it comes to the day to day tasks and basic home improvement, there are plenty of eco-friendly ways that you can make a difference. While some of these things might take some extra time and cost a little more money, it's probably worth it in the long run. More information at: http://www.BedroomFurniture.com

For many, welcoming a pet into the home is as joyous and significant as bringing home a new baby from the hospital. Pets easily find their way into our hearts with their playful antics and friendly companionship. When you decide you are ready for the responsibility of caring for a pet, it is imperative that you are willing to make adjustments to your living space. Preparing your home, pantry, and yard for your new pet is important to their well being and your ease of mind. This article offers pointers to those who are considering adopting a companion animal, or those who already have pets. Although the article focuses primarily on cats and dogs, many of the tips will work for most four legged friends. The tips may seem like common sense, but it may slip your mind to check for commonplace hazards when a new pet is underfoot exploring its' new surroundings. Many times we take for granted that things are safe or would be of no interest to animals. However, that adorable puppy running down the hall with toilet paper streaming behind him would beg to differ!

Part I: Preparing Your Home

When bringing a new pet home, the last thing anyone wants to think about is cleaning and proofing their home. However, taking a little time to do so will prevent headaches and possible heartaches. It will keep your pet, your prized possessions, and your sanity intact. This is true whether you are bringing home a new pet or adjusting an older one to a new home. Or, perhaps you find yourself in the unfortunate situation of losing possessions to a pet who has never had boundaries set up in the home. Whatever your reason, these tips will help proof your home for the new, old, and mischievous pets in your life.

Think Below the Knees
Get down on all fours and look around at the same level as your pet. There is a whole other world down at their viewpoint!

• Think low! Remove objects on low shelves, coffee tables, and anywhere else that is easy access. Anything destructible, such as paper, books, anything made of cloth (i.e. laundry). It is much easier to 'chew train' a pet if they do not learn a bad habit of "where to look" for destructible goodies when you aren't looking.
• Also think about food and snacks. Don't leave pop cans, candy wrappers, crumbs or anything else on a low counter. Leaving out these delicious tidbits can easily lead to "counter surfing".
• Since kittens and ferrets may actually have the ability to walk on your counters, make certain to keep an eye on them when cooking. You may have food on the counter and the stove burners on - both can be dangerous. If you are a messy chef you may have a very happy kitty, but it could be dangerous if you don't keep an eye on them!
• Speaking of food and snacks, make sure if you have smaller pets, like mice, that they are out of reach to your new puppy or kitten. Don't forget your fish - sometimes the idea that the aquarium is invincible can be tested.
• Smokers - do not leave cigarette butts where pets may reach them. If eaten it can lead to nicotine poisoning and the filters aren't good on the digestive system.
• Children's toys can be great fun for pets too! Make sure your kids realize they may loose their toy if it is left out and unattended. Also many toys may have small parts or can be easily broken into small parts by your pet which can be dangerous.
• Overall keep you place picked up of daily messes. For example: Newspaper whether read or not is still fun to shred and eat. (Same goes for the mail!) Just got home from shopping? Put away the bags! Plastic bags can be either chewed and swallowed (pups) or can suffocate some pets accidentally (kittens & ferrets).
• Sometimes pets will eat something that will require surgery to remove. Small objects to watch out for include rubber bands, balloons, beads, buttons, Q-tips, sewing needles, thread, staples, string, pantyhose and coins - to name a few!
• Medication should never be left around the house. Make sure it is secure - just like with children!
• Keep heating vents covered. Many pets love to snuggle up to these and you don't want your pet falling in.
• Smaller pets like ferrets should be blocked off from holes and other hideaways - you don't want them to find a comfy spot and not come out! Also be certain to check under recliners before moving them as your pet may find it a nice place to hide out.
• Plants should be moved to higher ground or blocked. Watch out for vine plants that your pet might grab and bring the whole thing down. * Some household plants are poisonous to pets. Here are a few: aloe verra, amaryllis, caladium, holly berries, lilies, mistletoe, mums, and poinsettias. For a complete listing check out the Poisonous Plants resource links.

Playtime
Unless they are sleeping, or eating, they are playing!! Some tips to make this non-stop action fun and safe for both of you!

• Keep an eye on your pet at play with certain toys. Some toys don't hold up to your pets hunting prowess and become shredded in no time. Toys with squeakers are fun but many pets will work hard to remove them if your not watching. Just keep in mind if you are in the other room, you may never see them devour their cut up prey! A solution would be have toys for when you can see them and more durable toys for when they are in the yard, other room, or you are not at home.
• Also watch older toys. If they don't fall apart they may actually be warn into sharp edges, don't let your pet play with damaged toys, they can cut themselves easily. Look before you step when playing with all our small pets. Try this pattern "Turn, Look, Step"
• Some small animals such as rabbits are chewers and it normal to give them various chew toys such as: Cardboard boxes, empty oatmeal containers, bird toys, cardboard paper towel rolls, things to shred. Try to keep them away from your wooden furniture - they love wood! Instead wood sticks are available at pet stores.

Road Blocks
If they can't reach it, they can't eat it, scratch it, or all out destroy it!

• Don't forget the garbage! Take the garbage outside or make sure you can close it away in a closet/room where pets cannot reach it. Not only will they make a mess rifling through all the goodies they can also hurt themselves if there are any rough objects they rifle through.
• Keep some rooms closed. It is perfectly reasonable for there to be certain rooms that pets may not visit unless supervised. One obvious choice would be the bathroom (remember that puppy running down the hall with toilet paper - cute - but after the 20th time said pup turns from cutie to lil'-demon). If you don't have a door to a particular area look into getting a child gate or blocking it off with other materials.
• If you have a mixture of pets you may not want them to be able to access certain areas of each others space. A prime example is keeping kitty litter from dogs, some seem to find the "deposits" tasty snacks. In this instance you can set up a roadblock for the dog that the cat can still easily climb over.
• If your pet is especially good with its nose or paws you may want to get childproof latches. They will work well to keep them out of lower cabinets in your home.
• Keep the lid down on the toilet, especially if you use strong cleaners. Small, curious pets may fall in and pets taking a drink can be poisoned by cleaners - some of them even contain anti-freeze!
• Speaking of cleaners, here are some examples of cleaners that are really dangerous to your pets (to name a few!): ammonia, bleach, disinfectants, drain cleaner, oven cleaner, paint, rat/bug poison.
• Keep electric cords out of reach or secure them to baseboards. When first home keep an eye on where your pet is at all times. Some may try chewing on the cords. You can deter this with a taste deterrent like "Bitter Apple", a mix of vinegar and water, or hot sauce. Or even better, block access to them altogether.
• Speaking of cords, watch those drapery cords as well. Tie them up so all your window treatments aren't pulled to the ground.
• Many animals are attracted to fire. The light of a candle or the heat of a fireplace will peak their interest. Make sure candles are never left unattended. For the fireplace make sure Fluffy knows just how close they are allowed to get for a good snooze - warm is good, singed is bad.
• Keep the upstairs windows and any cellar doors shut. Young pets are just like children with their curiosity but can easily misstep and fall.
• Be careful when working in the garage. It is best to keep them out and make sure you clean up thoroughly! Such toxins like anti-freeze are very lethal to pets - a drop the size of a dime can be lethal! (You hear a lot about anti-freeze, not only is a small amount incredibly lethal, anti-freeze is also sweet smelling and tasting to pets - they will seek it out!!)
• Watch our for open dresser drawers, closets and other nice dark places, kittens are especially curious and many are drawn to these make-shift dens. Have you heard about the kitten jumping in the dryer? Its not a urban legend, be alert and check before you shut the door.
• Another warm place kittens like to snuggle is on a car engine. If your kitten has access to your car (or the neighborhood cat for that matter) it may help pound on the hood of your car and honk you horn. If you don't want to do this every day try to limit access to your car.
• One of my favorite words of advice when watching out for the sleeping kitten: "Locate your kitten before you sit down on the sofa or use the recliner." (Of course, depending on your house rules, that may go for your other pets too!)

Holiday Playground
The holidays are fun for everyone - including your pets!

• Decorations should be up high or in rooms that pets have limited access.
• Any holiday lights should be treated the same as other electrical cords. Get it out of the way or secured so your pets don't accidentally trip over them. Also keep a lookout and make sure they do not chew on them; again a taste deterrent like "Bitter Apple" will work.
• Other holiday items to keep from you pets include: metal ornament hooks, popcorn strands, tinsel, angel hair (it is spun glass), and decorative artificial snow or tree flocking - to name a few.
• Don't forget that holiday plants like holly berries, mistletoe, and poinsettias are poisonous!
• Fourth of July fireworks are fun for us but many pets find all the racket frightening. One suggestion is to have treats nearby and give them treats whenever there is "Boom!" so they associate the noise with happier things (mostly used for dogs). Another thing to keep in mind if you are leaving for the festivities, don't leave pets alone out in the backyard. They may panic and do things they normally wouldn't do like digging their way out!
• Many holidays include house guests that are not familiar with your pet or household rules. After introducing your guest to your pet, make certain you let your guests know not to leave doors open, feed table scraps or any other important household rules. If there are a lot of guests you may want to arrange a quiet place for your pet to retreat.

Home Alone
What do they do when you leave the home? Preferably it doesn't involve eating the couch!

• Before you leave for a long day at work it is important your pet is calm. For dogs a good walk in the morning may be necessary. For cats a little play time will help with bonus energy. Teach your pet tricks and have them perform for you before you head out. Our pets sleep more then we do and getting rid of morning energy will help them settle for a nap while your out earning money to spend on them.
• If you have a really active breed you may want to look into a dog daycare or walking service for a couple days out of the week. Taking your dog to a pet daycare is like taking them to camp. They get to romp with other dogs and usually come home tired and ready for a good night sleep. Many find that a few days out of the week is enough to hold them over on the days in-between.
• Crates can be lifesaver when you are gone. If you have pet that is still undergoing training and is not sure of all the rules, a crate or restricted room is a must. Cautionary tale on the restricted room - we placed one of our pups in a room in our house as we went out to get a bite to eat. There was no furniture in the room except for her crate with her toys. When we came back she had climbed the crate and chewed the metal blinds on the window and also proceeded to dig up part of the carpet!

Part II: Preparing Your Pantry

Your kitchen is not only the place where you prepare your family's meals and sometimes serve them, but it is also the most widely used area in the home chosen by pet owners to feed their pets. U.S. consumers spend more than $11 billion a year on cat and dog food, according to the Pet Food Institute. And pet food manufacturers compete for these dollars by trying to make their products stand out among the many types of dry, moist, and semi-moist foods available. Pet food packaging carries such descriptive words as "senior," "premium," "super-premium," "gourmet," and "natural." These terms, however, have no standard definition or regulatory meaning. But other terms do have specific meanings, and pet foods, which are regulated by the Food and Drug Administration's Center for Veterinary Medicine (CVM), must carry certain information on their labels. Consumers can be confident that their pets are eating a nutritionally sound food if they understand the full significance of these labels.

Pet Food Safety
When determining your pets diet, be sure to verify that all foods have been approved by the Food and Drug Administration's Center for Veterinary Medicine.

Food & Drug Administration's Center for Veterinary Medicine
http://www.fda.gov/cvm/default.html

Menu Foods Pet Food Recall
http://www.menufoods.com/recall/

Pet Food Recall Frequently Asked Questions
http://www.fda.gov/cvm/MenuFoodRecallFAQ.htm

Table Manners
Don't feed table scraps to your pets. Many times people don't realize that some foods okay for us can be toxic or hard on the system for animals. Some foods to be aware of:

Alcohol
Chicken & Turkey Bones
Nutmeg Apples (stems & seeds)
Chocolate
Onion Apricots (seeds)
Coffee (grinds & beans)
Peaches (seeds)
Avocados
Dairy Products (large amounts)
Pears
Baking Powder
Fatty Foods
Plums
Baking Soda
Garlic
Potatoes (peelings & green)
Broccoli (large amounts)
Grapes
Raisins Cherries (stems & seeds)
Macadamia Nuts
Yeast
**Tobacco, although not a food, ingestion can be poisonous

Part III: Preparing Your Yard 

Your yard should be a fun and safe place for your pet to enjoy the outdoors, and maintaining it to prevent hazards is relatively easy. Although the outdoors may not be suitable for some pets, such as birds, mice, and rabbits, and those who stay in pens or restricted kennels/runs may not be able to enjoy your yard to its fullest extent, the tips below will address pets that have more freedom. These pets roam a fenced backyard or prowl around the perimeter of your house (i.e. small dogs & cats). Read on for a checklist of ways to make your yard safe and entertaining for your pets.

Yard Maintenance
When maintaining your yard you want to keep your pets in mind.

• When working on the yard keep pets indoors. Our dogs like to chase the lawnmower - bad idea - so they now watch from inside. Some pets may be just the opposite and try either to attack the mower or try to escape in a panic - equally bad idea. Besides the lawnmowers, trimmers, leaf blowers, chainsaws, and other loud tools should not be used when pets are around.
• Be careful with other tools such as shovels, rakes, spades, etc. Some pets may try to "help" you do the yard work and can inadvertently be struck by these items.
• Review the chemicals you use on your yard. Weed killers, bug killers/bait and other chemicals can be poisonous to your pets as well. Some you may still be able to use, however, you may need to let the yard sit for x amount of hours before letting your pets back out. Symptoms of poisoning usually include: vomiting, diarrhea and sometimes convulsions or unconsciousness.
• Keep your yard clean of waste. Especially with puppies, they can get in the habit of eating their waste. Besides, you will both enjoy your yard much better if it is not covered in poo mines! For cats you should have an outdoor litter box. This will be easier to clean and prevent the cat from laying waste to your (or your neighbor's) flowerbeds.
• Remove any ladders, tools or stacked piles (i.e. wood), etc. that young pets may try to climb or knock over. If you do keep the stacks in your yard, check that they are secure and cannot roll onto your pet. C
• Consider carefully what you plant in your yard. Plants that can cause complications include: Rhododendron, Japanese Yew, Lilly of the Valley, Peach and Cherry Trees (pits) to name a few. See our links to Poisonous Plants for more details.
• You may want to try to keep your yard clear of the bee family by getting rid of nests on your property. Your dog cannot escape bees flying through the yard, but cutting down their numbers may help. All dogs are naturally allergic to bee stings. Depending on the location of the sting they may have to visit the vet for medication. If it is on the mouth/head it can lead to swelling and difficulty breathing.

The Kingdom
Your pets will make your yard into their own domain. Make sure their kingdom is safe and enjoyable.

• Check the fence of the yard for holes or gaps that may be an easy escape. Make sure your gates are locked and secured and guests and children know to do so as well.
• It is best not to have any young pets around water unattended. If you have a pool or pond make sure to watch them around this area carefully. Some trainers even suggest teaching pets how to get out of the pool or pond early on, sort of a "Swimming 101" for the pet in case they get into trouble when your back is turned. If your pet does get into a pool, make sure they get a bath so none of the harsh chemicals can effect their skin and coat.
• Most pets are sun lovers. If your pet likes to "sunbathe" keep an eye that they don't get too hot. Signs of heat exhaustion include: restlessness, panting excessively and drooling. The worst case scenario is the pet collapsing and eventually falling into a coma. To counter it, wrap them in a damp cool (not cold) towel and go to your vet or animal hospital.
• In hot weather keep plenty of water. Refresh and refill it often. If you keep food outside as well make sure it does not sit too long. The heat may cause it to spoil and flies may contaminate it.
• Make sure you have shade in your yard. You may even want to add a structure such as a doghouse for your pup to rest
• Ask your vet to recommend a flea & tick prevention plan right for your pet. Depending on how much your pet is outside, where it goes, etc. you may need more preventive tools. It is imperative you ask your vet as many medicinal solutions are measured by your pets size, weight, age, etc.
• Your pet may like to make or find a burrow to rest in. Block off crawl spaces under sheds or decks. You don't want them to get trapped or hurt by any debris you cannot see underneath.

Ideas for your Pet Friendly Yard
Below are just a few ideas of things you may do to improve your yard for your pet.

• Placing markers around your yard for your dog to potty on or for your cat to scratch on can help save some of your other trees. Start by blocking the trees you want to save and place toys or treats by the markers you want them to use. Eventually you can train you pet to have a habitual like for that particular log(s)!
• Prepare digging spots for your pets. For your dog it can be a small area of dirt and sand where you keep toys to encourage him to be there. For cats you can have one container/pot with catnip or another enticement. By keeping them interested in their designated digging spot they will learn to have fun there and leave the rest of your yard alone (most of the time!).
• If you don't want your dog in your flower bed try a wooden or stone fence. Some dogs will learn to stay out of the area due to the road block, however you may need to supplement the roadblocks with additional training.
• Dogs are going to do their rounds around "their" territory. This will leave worn paths in the grass. You may want to lay a nice stone path on their route to beautify it.
• Continuing with a dogs tendency to make paths, for smaller yards you can make a maze path for them. Using placing flowerbeds and other structures you can create a winding route for them for their territorial routine.

Conclusion

Pets are a wonderful addition to the family and home. Taking time to prepare your home, pantry, and yard will make both of your lives a lot easier. It may seem like a daunting task at first, however, your pet will soon learn the house rules. You may even be able to reclaim certain areas of the house as your own once your pet matures and understands not to destroy your possessions. You, too, will learn a thing or two and will begin to naturally watch out for potential pet hazards. Eventually you won't even realize your new habits. It is simply part of the lifestyle change that happens when you adjust your life to accommodate animals in your home. Just remember to be pro-active, and you'll have far fewer headaches in the long run, with great company and lots of fun! Useful Links! | Adopt a Pet | Animal Care | Dangerous Foods | Find a Vet | | Pet Insurance | Poisonous Plants | Selecting Food | | Just for Fun | Adopt a Pet AdoptAPet.com www.adoptapet.com Millions of young, healthy, beautiful companion animals are euthanized needlessly each year because there are too many pets and not enough homes or people interested in providing food, water, shelter, medical care and LOVE to these animals. Use these resources to unite animals with loving homes. American Kennel Club www.akc.org The American Kennel Club, a not-for-profit organization established in 1884, maintains a purebred dog registry, sanctions dog events and promotes responsible dog ownership. Petfinder.com www.petfinder.org Search 193,550+ adoptable pets with our advanced search or our Quick Search. Locate shelters and rescue groups currently caring for adoptable pets. Browse our resource library and learn more about how to care for your pet. Post classified ads for lost or found pets, pets wanted, and pets needing homes. Sign up to be a volunteer to help your local shelter or rescue group. Animal Care Doctors Foster & Smith Pet Care www.drsfostersmith.com At Drs. Foster & Smith we care about the health & safety of your pet. That's why we've developed this resource for pet owners like you. Healthy Pet www.healthypet.com The American Animal Hospital Association (AAHA) is an international association of more than 33,000 veterinary care providers who treat companion animals. Established in 1933, AAHA is well known among veterinarians and pet owners for its standards for hospitals and pet health care. PetEducation.com www.peteducation.com Fulfilling their commitment to provide pet owners with trustworthy pet care information, every Drs. Foster & Smith catalog contains up to 30 articles written by the doctors about the health and care of pets. Veterinary Partner www.veterinarypartner.com VeterinaryPartner.com is here to support your veterinarian and you in the care of your companion animals by providing reliable, up-to-date animal health information from the veterinarians and experts of the Veterinary Information Network (VIN), the world's first and largest online veterinary database and community. Dangerous Foods PetEducation.com www.peteducation.com - Dogs, Cats Some foods which are edible for humans, and even other species of animals, can pose hazards for dogs because of their different metabolism. PetPlace.com http://petplace.netscape.com/ Americans spend over $10 billion dollars on pet food for our pets. Despite buying the best food available, some pets would rather eat what we eat. However, certain foods can be dangerous to your pet causing varying degrees of illness. Some food is toxic due to ingredients and some by improper cooking, storage or poor hygiene. Find a Vet Healthy Pet www.healthypet.com Use Healthypet's Hospital Locator to find a veterinary hospital near you or nearly anywhere you want to go! VetLocater http://vetlocator.petplace.com/ Access to over 26,000 veterinary clinics in the United States and 2,400 veterinary clinics in Canada. Pet Insurance Pet Assure www.petassure.com Pet Assure, headquartered in Lakewood, New Jersey, is the nation's premier pet health care organization with thousands of veterinarians in 46 states, the District of Columbia and Puerto Rico. Conceived in 1996, the company mandate is to enable pet owners to obtain quality care for their extended family members, at an affordable price. PetCare Pet Insurance www.petcareinsurance.com PetCare Pet Insurance Programs start at under $10/month. It's a small investment that will help you prepare for a secure and happy life for both you and your pet VPI Pet Insurance www.petinsurance.com From unexpected illnesses and accidents to routine care for your dog or cat, we recommend the VPI Superior Plan and Vaccination & Routine Care Coverage. For those who want minimum coverage we also offer the VPI Standard Plan. Poisonous Plants American Society for the Prevention of Cruelty to Animals (ASPCA) http://www.aspca.org Please note that the information contained in our plant lists is not meant to be all-inclusive, but rather a compilation of the most frequently encountered plants. For general information on plants not included on either list, please feel free to contact us at napcc@aspca.org. Cornell University www.ansci.cornell.edu/plants/ This is a growing reference that includes plant images, pictures of affected animals and presentations concerning the botany, chemistry, toxicology, diagnosis and prevention of poisoning of animals by plants and other natural flora (fungi, etc.). Cyber Canine www.cybercanine.com/toxicplants.htm Here are some of the toxic plants you should keep away from your pets. If you suspect that your dog might have eaten any plant that might be toxic, contact his/her vet immediately. Many common house and garden plants can be toxic to animals if swallowed. The symptoms can be diarrhea, nausea, or skin allergies. Veterinary Medicine Library www.library.uiuc.edu/vex/toxic/intro.htm This database was created by Mitsuko Williams (Veterinary Medicine Librarian, 1983-2003) in order to assist the University of Illinois veterinary students in identifying common plants that are toxic to animals. This database brings together information available in library books, plants grown in the Poisonous Plant Garden, mounted specimens of plants, and the reference notes for a toxicology course (VB320) which is taught during the fall semester each year. Selecting Food Animal Protection Institute www.api4animals.org/689.htm Commercial pet food is a great convenience for busy caregivers. You want the best for your companion animals, but with a bewildering array of foods and claims to choose from, how do you decide what's best for your animals? US Drug & Food Administration www.fda.gov U.S. consumers spend more than $11 billion a year on cat and dog food, according to the Pet Food Institute. And pet food manufacturers compete for these dollars by trying to make their products stand out among the many types of dry, moist, and semi-moist foods available. Pet food packaging carries such descriptive words as "senior," "premium," "super-premium," "gourmet," and "natural." These terms, however, have no standard definition or regulatory meaning. But other terms do have specific meanings, and pet foods, which are regulated by the Food and Drug Administration's Center for Veterinary Medicine (CVM), must carry certain information on their labels. Consumers can be confident that their pets are eating a nutritionally sound food if they understand the full significance of these labels. Just for Fun Neopets www.neopets.com Neopets® is the greatest Virtual Pet Site on the Internet. With your help, we have built a community of over 70 million virtual pet owners across the world! Neopets has many things to offer including over 160 games, trading, auctions, greetings, messaging, and much much more. Best of all, it's completely FREE!

When it comes to home improvement projects, visual examples can teach volumes. Thus enters home improvement television. These TV shows have been around for over two decades and recently there has been an increase in the number of these shows available. However, viewers be savvy, some of the new shows are more interested in entertainment than thorough craftsmanship. Loosely grouped, there are two styles of home improvement television: Classic - shows based on a model that details and examines craftsmanship and the tools craftsmen use; and Entertaining - shows that focus on the entertaining their audience with quick flashy project run-throughs that end in "before and after" snapshots. What follows is a quick review and guide to some popular home improvement television shows and their web sites. ________________________________ Contents: Introduction Part I: Professional Home Improvement Television - Web Site Summaries & Links Part II: Entertaining Home Improvement Television - Web Site Summaries & Links Conclusion & More Programs ________________________________ Part I: Classic Home Improvement Television The Classic home improvement television shows are based on a more traditional model of a television show that concentrates on craftsmanship and itemizes the details for many of the toughest home improvement projects. Viewers gain confidence that they can build the home they want or remodel that old home with personality. These educational programs are some of the longest running home improvement television shows; perhaps the classic model speaks for their longevity. The formula for these shows usually includes: knowledgeable host or hosts, experienced and professional crews, the best or the latest tools and/or materials and finally, a large project that spans over many episodes. This Old House is probably one of the most famous and longest running of the home improvement shows (this year is the show's 25th anniversary!). This program covers two major projects every year. During the larger projects, smaller projects are shown in detail and the latest tools and materials are examined. This Old House encourages homeowners to be creative and see the potential in their property. However, this program still utilizes the use of professional crews. This should not be lost on the viewer; if you are tackling a whole home makeover, it is best not to do it alone. Even the hosts of this show bring in outside experts to show them particular stages of the project. This Old House does demystify the renovation process and provides the homeowner with an inside look to what contractors, electricians, plumbers, and other building professionals do for various home improvement projects. This program gives the homeowner the confidence to hire and work with professional craftsmen on their dream home. Whereas This Old House examines home improvement on the larger scale, its recent counterpart, Ask This Old House, has the smaller do-it-yourself projects in mind. Most of the same crew from This Old House run this show as well: general contractor Tom Silva, plumbing and heating expert Richard Trethewey, and landscape contractor Roger Cook. Here they showcase their individual strengths and use the host of both shows, Kevin O'Connor, as their Guinea Pig and/or punch line. The jokes can be rather quirky and there a few groaners mixed in; however, the information that comes from this show is professional, thorough and easy to follow. The main scheme of the show is to answer questions that come from their viewers. They may answer questions in their studio or as a house call. The house call really illustrates how one may become a do-it-yourselfer as these gentlemen always make the homeowners get their hands dirty. Many times the homeowner does most of the project or completes it themselves after the foundation and technique are covered. This show also takes time to showcase the latest tools and materials. The short segment of 'What Is It?' challenges all the hosts to identify odd tools that can be used in home repair/improvement (enter the quirky jokes). Overall, this classic program gives homeowners a real thorough run-through on some common home repairs and improvements. Another show that uses the classic method approach to home improvement is Hometime. This show again tackles larger projects and showcases individual aspects of those projects. Viewers are encouraged to try home improvement projects but educate themselves first. Projects are covered in detail with tools and materials discussed. The techniques for completing the project are covered in detail as well. This serves to give the viewer a good knowledge base. There are only two aspects for viewers to keep in mind about this program. First, many of these projects work with a professional crew; however, the crew is not showcased. Instead the hosts spotlight most of the projects themselves. Many tasks highlighted can be completed by individual homeowners. However, because the professional crews are not as highlighted, some viewers might be mislead about the amount of work they will have to complete on their own. Second, viewer questions and projects are not answered individually. Instead, viewers may send in videos of projects they have completed which may or may not have been inspired by the show. Neither of these aspects are detrimental to the knowledge provided by this program. Hometime has been around for 19 years, it obviously has a format that works for educating viewers about home improvement. Home Again, hosted by Bob Vila, is another classic program that examines craftsmanship in home improvement. Similar to This Old House, which Bob Vila hosted from 1979-1989, this program covers roughly two major projects per season. Parts of the projects are shown in greater detail to showcase craftsmanship and/or technique. The professional crews that complete the large projects are at the forefront and the various specialists are interviewed throughout the show to help explain why they do a tasks a certain way, use this particular material, etc. This show again strives to educate the homeowner and encourage them to think of the possibilities for their home. As quoted from Bob Vila's site, he encourages the homeowner by letting them know, "You CAN build what you want. You CAN revive an older house to suit your personality. You CAN give your family more space. You CAN express your individuality through color and style…as long as you have the knowledge to use what works!" Thus, this show provides both knowledge and encouragement to the homeowner looking for home improvement help. These are only a few examples of the Classic home improvement shows on television. These shows are aimed at educating the viewer in the use of tools, types of materials available and the nitty-gitty facts about how to get some complex tasks done. It would be difficult to cover all the shows here. At the end of this article is included a list of more home improvement television shows and their web sites, take time to check them out and you might find a new favorite! Classic Home Improvement: Web Site Summaries & Links Same order as article. This Old House www.thisoldhouse.com/toh/ This show has been around for 25 years. On the main site you may see current or classic projects where the crew has worked on renovating and building homes inside and out. This show is not about quick fixes and flashy facades. Instead this show details good craftsmanship and the latest materials on the market to renovate a home meant to last. The web site does have web cams of current projects in the making. To check one out click here. Ask This Old House www.thisoldhouse.com/toh/tvprograms/asktoh A fun offshoot of This Old House is Ask This Old House. Although the humor is a bit quirky, there is great information for small home improvements and repairs. The show is great if you can catch it. Like all the other home improvement shows you can use the web site to get more detailed information about certain products or services highlighted in the show. However, if you want to look at the detailed how to information, you will have to subscribe to the magazine. Have a question of your own? You may send a question directly to them online. This question may be answered on the television show or in the magazine. Hometime www.hometime.com This site has project advice, information about the show and a variety of products to help you with all your project needs. Also find lists of vendors and their contact information for materials you see used on the show. The how-to tutorials on the web site are basic, however, they do offer more free information than many of the other home improvement shows. Check out the archives to find past episodes that relate to your own projects. Copies of programs can be bought and usually cover one individual tutorial or the whole series related to construction of one house project. This show is interested in the thorough education of its viewers and avoids quick fixes. However do not expect individual attention to your particular project; this show does illustrate how projects (i.e. tiling a bathroom) are done but does not tackle individual, viewer submitted homes/projects. There is a chance to submit video of your own projects as examples of creative improvements and modeling; to find out more click here. Home Again www.bobvila.com/BVTV/HomeAgain/ This web site provides a summary of each project. Also included are materials used and information to find vendors. A selection of video clips are available online to view segments of the show. These video clips are some of the most thorough and helpful out there on the web. It is a great way to catch bits of the show you missed. The entire project on video is available for purchase as well. Check around to the rest of Bob Vila's site, he showcases other programs he has done such as his Guide to Historic Homes of America on A&E and Restore America on HGTV. Also, his site gives great home improvement information all around and is worth the exploration. Part II: Entertaining Home Improvement Television Entertaining home improvement shows have followed the trend in reality television. They are fast paced and include someone who is real (for lack of better definition); a real homeowner who has asked for help. The projects vary in size from one room or area of the home to the entire house itself. These shows strive to be different from the other shows causing some pretty wild and exciting projects. However, attention to details are not the strong point; in fact some shows are in such a hurry to meet the show deadline that the craftsmanship for the project can suffer. However, these shows do offer splashes of ideas and push viewers to be creative, to keep thinking "outside the box." Extreme Makeover: Home Edition is a great example of entertaining home improvement. In this show the entire home and landscaping is made over. Professional crews have one week to makeover a home for deserving families that really need drastic improvements to their home because of a major life event. The show provides small hints on topics such as how to improve space or what can kind of add-ons can be done on certain homes. Each member of the design team takes the viewer through their area of the home and explains why certain things were done to improve the home. Most of the show covers the design aspect rather then the nitty-gritty of how the space was remodeled, walls taken out, etc. This show entertains the viewers showing them what home improvement can accomplish but it does little to give an actual foundation in any home improvement projects they may encounter. Another extreme makeover style show is Monster House. This show truly aims to push home improvement to the extreme. These homes are changed by a team into stylized theme homes; not theme parks, but pretty close! Those who volunteer to be on the show want a drastic remodel to their boring home. Be careful what you ask for! They get a home based off an interest or passion of theirs. This may include a roman villa retreat, a jurassic find or maybe even treating their dog to the ultimate doghouse! This show doesn't show too much on how too. There are a lot of ideas and you do get to watch some of the challenges the crew faces working on the home and with each other. An added bonus is the teams that work on the house vary. The teams must work together and under the time limit in order to receive prizes of their own. Entertaining to say the least! Home "improvement" is up to the viewer to decide. One of the most popular home improvement shows (and considered one of the reasons there are so many of theses shows today) is Trading Spaces. This show isn't traditional home improvement that learns how to fix plumbing or update wiring in an old home. This show is all about the surface elements. In the show two neighbors agree to renovate one room in the others home. With a limit in budget and time it is a mad dash to make renovations and add stylish design. One guest designer directs the project room for each house. Under their guidance, decorative and improvement features are added to the space. Sometimes there is a larger home improvement project involved, such as new flooring or counter tops. However, there is little detailed guidance to these projects and the neighborly teams just "go for it" as there is more concern for deadlines and looks than craftsmanship built to last. There are good aspects to this show as it has encouraged viewers to try new things and view their living space potential rather than limitations. The entertainment value is definitely there as the before and after on these projects are highly entertaining and the reactions of the homeowners are priceless. Finally, another example of an entertaining home improvement show is While You Where Out. In this program a family member sends a loved one away while they secretly renovate a part of the house for them. Like Trading Spaces, this show is more about design than classic home improvement. However, here the designers really look to please the family rather than shock them. In this way the homeowners really do a get a home improvement to their living space. However, due to budget and time constraints, many projects are done on the surface. Additions to the room that require intensive remodeling can unfortunately be rushed and given rough surface treatment. An extra human element is added to this show when loved ones must answer questions correctly to gain extra features for the redesign. This entertaining show can give viewers ideas but some of the rushed means-to-an-end should be viewed with caution. Entertaining home improvement shows have found a niche on television. They are fast paced and a final project is revealed for viewers in an hour or less. These shows do not illustrate traditional home improvement projects. They often cut corners or do surface fixes that are more concerned with appearance than lasting craftsmanship. Viewers should be careful not to be tricked into the "simplicity" of home improvement projects. However, these programs do offer encouragement to homeowners looking at tackling home improvement projects. In fact, these shows really encourage viewers to consider splashing their personality on the property they own. Homeowners are told not be afraid to try something new and push the conventional ideas they may have of what a home should look like. Entertaining Home Improvement: Web Site Summaries & Links Same order as article. Descriptions from show web site. Extreme Makeover: Home Edition http://abc.go.com/primetime/xtremehome/ Put together one very run-down house, a deserving family, several opinionated designers, seven days and what do you get? The answer is Extreme Makeover: Home Edition. The show's successful first season garnered an Emmy nomination for Outstanding Reality Program. As this ratings-rich reality series enters its second season, each self-contained episode features a race against time on a project that would ordinarily take at least four months to achieve, involving a team of designers, contractors and several hundred workers who have just seven days to totally rebuild an entire house — every single room, plus the exterior and landscaping. Monster House http://dsc.discovery.com/fansites/monsterhouse/ So. Tired of that same old living room? Well, you could slap a little paint on the walls, maybe. Or jazz things up with a brand-new throw rug. You might even slipcover that chewed-up old couch. Or ... you could call in Steve Watson and theMonster House crew. Sure, you and your family will have to move into an RV for a week and look on as a bunch of strangers tear apart everything you know and thought you didn't love. But remember: They have talents galore, sensitivity to your interests and an unlimited budget. Trading Spaces http://tlc.discovery.com/fansites/tradingspaces/ Ever sit in someone's home and wonder what would happen if you stripped, ripped and painted as you pleased? Find out during this one-of-a-kind decorating show when two sets of neighbors swap keys to transform a room in each other's home. They have two days, a set budget, and they're not allowed back into their own homes until the moment of truth. This is how-to with a neighborly twist. While You Where Out http://tlc.discovery.com/fansites/wywo/ ... a homeowner sneakily sends his or her partner, parent or roommate out of town for a couple of days as While You Were Out host Evan Farmer brings in a talented designer and two handy persons to work around the clock to create a new look for an indoor or outdoor space. Meanwhile, TLC surreptitiously videotapes the absent party during their getaway, gaining fodder for the pop-quiz portions of the show. Prizes are awarded based on the answers that could enhance the finished project — or not, depending on whether the at-home partner can correctly predict the answers of the partner who's "out." All of which leads to the big surprise at the end of each show, when the stunning transformation is revealed and the homeowner announces, "Look what happened While You Were Out!" Conclusion There are many home improvement television programs on the air these days. There are the classic style programs that concentrate on craftsmanship and the tools used for various home improvement projects. And there are the entertaining home improvement shows that showcase the human experience related to home projects. These entertainment programs show possibilities but relatively little know-how detail. Whichever style you prefer, there is plenty out there to choose from. If you still can't find enough there are now entire cable networks dedicated to the how-to market. These channels have plenty of home related programs to choose from. Before tackling the next home improvement project, sitting on the sofa watching TV might actually be a good place to start for education and inspiration! More Home Improvement Programs to Check Out (Descriptions provided by show web sites) American Home www.hgtv.com/hgtv/shows_hah05 American Home 2005 showcases innovations for the home that are so new they almost haven't happened yet. See the latest products and ideas, from materials to floor plans to appliances. Meet the builders, architects, designers and other experts who are setting the trends in the home industry. Before & After www.hgtv.com/hgtv/shows_baa Hosted by Pat Simpson, each episode profiles major home remodeling projects from start to finish. Past projects include turning a cramped 1950s concrete block home into a spacious New England summer home; adding a second story to a suburban ranch home from the '70s; and adding a wraparound deck to a '60s split-level. Before & After is all about turning eyesores into eye-openers. Do It Yourself Network TV www.diynet.com Again, for those of you that have cable, this station has a lot of different do-it-yourself projects and improvements for the house. Easily find all the shows that have aired pertaining to your project; you may even see when a particular project will air again. A lot of the show details from materials to individual steps are available online. For a complete list of shows go here: www.diynetwork.com/diy/pac_ctnt/text/0,2019,DIY_14161_16823,00.html DIY to the Rescue www.hgtv.com/hgtv/shows_dttr Got in over your head with a home improvement project? DIY to the Rescue can help finish the job! This special presentation from one of our sister networks, DIY Do It Yourself Network, brings in a team of experts to help real homeowners finish a problem project in around 48 hours. Fix It Up! www.hgtv.com/hgtv/shows_fix Do it yourself is the motto here, with a program that covers a wide range of self-help home projects. Topics range from tiling, refinishing projects and deck additions to landscaping and lawn care--and everything in between that today's do-it-yourself homeowner needs to know about. The early episodes are hosted by Pat Simpson and Amanda Rosseter, while newer episodes are hosted by Pat Simpson and Jodi Marks. Houselift http://home.discovery.com/fansites/houselift/houselift.html Houselift is a home remodeling show with a brand-new perspective — the homeowner's. Paul Hochman, the Today Show's gear expert, and his wife Tricia and their two children experience the fun, excitement, terror and tribulations every homeowner faces when they live through a major home construction project. Unvarnished, and with a healthy mix of humor and how-to, Houselift demystifies the home renovation process by putting Paul in the middle of the job. Each show features a key conflict and lots of learning for those considering a foray into this expensive, but ultimately rewarding, territory. Included in the mix are financial advisers, real estate agents, concrete experts and even a marriage counselor, who help Paul and Tricia through the process. Fun, engaging and educational, Houselift is a hit, literally in the making. In a Fix http://home.discovery.com/tuneins/inafix.html We know they mean well, those do-it-yourselfers. But what is that old saying about good intentions? The In A Fix team selects a home repair project that has gone terribly, shockingly wrong — gaping holes in ceilings and gutted kitchens. With a complicit spouse, In a Fix stages a dramatic "intervention" on the family handyman or woman in desperate need of help. During the hour, they not only fix the problem, they up the ante — a small fix becomes a major re-do. Michael Holigan's Your New Home www.michaelholigan.com Michael Holigan’s Your New House, seen on broadcast stations and cable by more than 2 million viewers every week. We promote tips and advice on how to build, buy and remodel the home through our TV show...serve as a source of expert advice and information for consumers on topics relating to: New home construction, The purchase and financing of new and existing homes, The purchase and financing of manufactured homes, Residential remodeling, Home improvement Renovate My Family http://www.fox.com/renovatemyfamily/ Hosted by best-selling author Jay McGraw, RENOVATE MY FAMILY is not just a home-improvement show - it's a life improvement program that visits families who have encountered some challenges along the way. Sell This House www.aetv.com/tv/shows/sell_this_house/ SELL THIS HOUSE™ gets inside the mind of the buyer and the heart of the seller with real life experiences and great advice on how to prepare your house for the market. Each week features homeowners desperate to sell and prospective buyers secretly videotaped as they express their observations upon first seeing the house. Enter a real estate and home decoration expert who recommends changes. In the end, the house is transformed (on a budget) and the buyers are brought back. Will the house sell? For how much? To whom? You'll learn the answers as participants experience the ups and downs of SELL THIS HOUSE™. Surprise by Design http://home.discovery.com/fansites/surprisebydesign/surprisebydesign.html As the saying goes, it takes two to tango. It also takes two — and a few willing friends and family members, if you want to get technical — when you've got a $2,500 budget and just one day to surprise someone with a redecorating or landscape project. That's where our dynamic design team of Rebecca Cole, Robert Verdi and Peter Gurski comes in. Toolbelt Diva http://media.home.discovery.com/fansites/toolbeltdiva/toolbeltdiva.html As the feisty host of Discovery Home Channel's new series Toolbelt Diva, Norma pairs up with female homeowners to tackle a variety of home-improvement projects. Toolbelt Diva proves that any woman can take on just about any home-improvement project, and it also has plenty of information and insight for the man of the house as well. Town Haul http://media.tlc.discovery.com/fansites/townhaul/townhaul.html In Town Haul, Gorder tackles the biggest challenge of her career. She's not just redesigning a living room, family room or bedroom, rather she's remodeling an entire town over the course of several weeks. In an eye-popping television event, she will oversee a team of skilled designers, carpenters and craftspeople as they work alongside townspeople to reimagine, repaint, repair and restore small towns across the United States. Weekend Warriors www.hgtv.com/hgtv/shows_war Weekend Warriors celebrates the do-it-yourself trend with a cinema-verite look at people planning, doing and completing weekend home-improvement projects. This series follows such do-it-yourselfers as apartment-dwellers, homeowners, couples, singles and families through the stages of a project to its successful (or even unsuccessful) completion. The focus is on the enthusiasm and the experience of the participants as they improve their home on their own.

Now is the time of New Year's resolutions and an artificial restart for many of us.  This is a time taken to reflect on what goals we may want to achieve in the year ahead.  In many cases, financial security will be a primary objective for individual households as the recession continues through 2010.  Many people are grateful for the beginning of a gradual stabilization and cautiously hopeful for the recovery of the economy.  Although the majority of us do not have direct influence on the big companies and banks, we do control how we run our individual households, and many of us will be tightening our spending budgets and looking for ways to save.  Below we have provided some online resources for everything from keeping a balanced budget to finding ways to shop a bit smarter.

Know your budget: Before you can adjust your household budget to save, pay off debt or get ahead in your payments, you have to have a realistic look at what you owe and what you earn.

• Bankrate: This site offers numerous online calculators from home budgets to which saving options will give the best returns. You can also begin to look at whether a home equity line of credit would be a good way to get rid of your debts or if now would be a good time to refinance under a lower mortgage rate. http://www.bankrate.com/brm/rate/calc_home.asp
• BBB Develop a Working Budget: A printable worksheet that comes with other details to consider when calculating and understanding your budget. http://www.bbb.org/alerts/article.asp?id=709
• Kiplinger.com Budget: An online budget form that will help you get started figuring out where you stand for the current month. http://www.kiplinger.com/tools/budget/
• Microsoft Budget Templates: If you already use Microsoft Office, consider downloading one of their free budget templates. One of these Excel worksheets can help you keep track of your monthly expenses and be altered to fit your specific needs. http://office.microsoft.com/en-us/templates/CT101172321033.aspx

Revisit your grocery list: Reconsider how you buy groceries and what you buy.

• Always shop with a list - Some suggest a list for any shopping trip you take. Always have a clear idea of what you need. This will help you find the best deals and not get distracted by impulse buys.
• Buy generic brands - When you compare ingredient labels you may be surprised how similar or exact the name brands are with the generic. Try a couple taste tests, not everything generic will be ideal for your pallet, but some may surprise you, and savings could sweeten their flavor all the more!
• Buy in bulk - Many stores now offer you the option to save by buying in bulk. Never use enough of it in time? Consider teaming up with family or neighbors and splitting your purchases. Maybe you don't need 10lbs of chicken, but 5lbs at $2 less per pound is savings to the bank.
• Pack more snacks - When shopping, look for items you can easily put in the car, at the office or anywhere you might get the munchies. This way you can curb you hunger before you decide to hit the fast food on the way home.
• Home Ec 101: Bake and Cook - Take on the personal challenge to become a better chef. Don't have the time? The internet is full of quick and easy casseroles, muffins, and other recipes that can help you get through your day. You will save money in the 15 minutes it takes to make these meals and you may find them more satisfying than microwave dinners.
• Home brewed coffee - If you are addicted to your caffeine, then it is time to invest in a coffee pot with a clock and timer. You can still grab the coffee on the way out the door without being slowed down. Need it at work? Consider a French press where you can brew coffee conveniently at your desk without any machines, filters or mess.
• Find your green thumb - If you have the property consider making a garden with your favorite greens. Fresh tasting rewards combined with natural stress relief. Don't have the property? Consider a container garden (or even an indoor container like the Aero Garden) for some of your basics. Maybe get to know you neighbors and join in a community plot.

Coupons, discounts and closeouts: Many sites online now offer ways to compare the best deals by product or store. Whether looking for new electronics or ready to head to the grocery store, check out these sites before you buy. Also take time to review the forums with customer input and reviews. A bit rough around the edges, the customer reviews on these sites are often short and to the point.

• The Bargainist: This site lists both sales and coupons. Easy to use search - just type in the product you are looking for and it will check for any deals currently available. http://www.bargainist.com/
• Cool Savings.com: A membership is required. If you don't mind printing your own coupons, this site is ideal for the busy shopper who knows what they want but does not want to sift through mailers, the newspaper and magazines to find a good deal. http://www.coolsavings.com/
• Coupon Mom: A list of coupons, free offers and much more. A great way to search out grocery coupons. There is a membership but as with similar sites, this is free. http://www.couponmom.com/
• Deal Catcher: Coupons, sales and rebates galore. Review sales by stores as well as by item rather than brand. http://www.dealcatcher.com/
• Fat Wallet: The savings here can be found in the online forums. Savvy consumers share information and special deals. There is also the plethora of coupons and discounts listed by store or category. http://www.fatwallet.com/
• RetailMeNot: A twist to the coupon frenzy, this site offers the coupons for online retailers. Many online retailers or stores with online shopping offer discounts or special deals with certain coupon codes or key words. RetailMeNot searches for these codes for you so you can use them on your next purchase. http://www.retailmenot.com/
• SlickDeals.net: Mostly user driven, this site helps to create a community where bargain hunters can congregate and share what they have found. The latest deals page can be fun to review but you can also search for products by name. http://slickdeals.net/  

Be an educated consumer: Be more particular about the products you buy. Taking time to read reviews and learn the pros and cons others have experienced before you buy will help you choose better products that will last longer.

• Buzzillions.com: After compiling reviews from customers that are sent to major retailers in response to the products they sell, Buzzillions then puts all those reviews together into an easy to read snapshot with an overall rating. You can then read the individual reviews from other consumers like you. http://www.buzzillions.com/
• Epinions: This site is user driven with opinions on everything from products to entertainment. Perhaps you want to know more about a book, video game, movie or iPod? Most likely someone has given their two cents about it here. http://www0.epinions.com/
• PriceGrabber.com: This site helps the consumer compare prices between online retailers. Many popular products also come with reviews and ratings. The price comparison also includes some of the used markets such as Amazon Marketplace. http://www.pricegrabber.com/

Rack up rewards: There are many programs out there to reward shoppers. Take the time research them and find one that works for your shopping style. If you shop online there are shopping portals that offer rewards. If you shop a little bit everywhere, consider a credit card with flexible reward points. If you shop at one store the most, get a rewards card with them. *A thing to remember with reward credit cards is that they usually come with a higher APR. It is better if you can charge and then pay immediately and not rollover this debt. That way you can get the rewards without the extra interest.

• CreditCards.com: If you use credit wisely, then you might consider a credit card rewards program. This site offers an easy glance through some of the programs available. Also consider looking at individual card company sites. http://www.creditcards.com/reward.php
• Ebates: An online shopping portal that received favorable reviews from some bigwigs like Good Housekeeping and CNN. Not only do you get a discount when shopping, but you can get bonuses as well. http://www.ebates.com/

Buy and barter used: Flea markets and garage sales can be great if you have the time and the weather to get one going. Maybe you don't have either? Then how about trying the same bartering and selling online? Besides the already popular eBay, you may be surprised at how many sites there are that will allow you to exchange, sell and buy cheap!

• BarterBee.com: A site specifically geared towards recycling CDs, DVDs and computer or consol games between households. Once you sign up for a membership you list your used items for sale. Sell items to get points. You can then use those points to buy other CDs, DVDs or games that you want to try out. Of course you wouldn't use this site to make cash - points are used for like items. http://www.barterbee.com/
• Craigslist: An online mismatch of services, used goods and announcements by city location. Here you may be able to find used items cheap. It can be the ordinary like used furniture to the not so common. For example, I once found someone who had new pavers left over from a patio project that they are willing to sell at a discount just to get them off their lawn. You may also be able to find cheap services such as yard work. However, users beware, there are no regulations on this site and you should take precautions when working with anyone on this list. This site definitely has a mixed history of great successes and terrible wrongs. Be careful. http://www.craigslist.org/about/sites
• eBAY: One of the most popular and well known online auction stops, eBay has been around since 1995. Users have the ability to rank other users for the ease of trade transactions. Probably the biggest garage sale on the internet. http://www.ebay.com/
• SwapThing: This site allows for consumers to trade and barter items or services. There is also the option to do flat out sales. Unlike an auction site, you can barter privately and do not have to list items for auction. You enter what you want and it will match you with others who have it available. http://www.swapthing.com/home/index.jsp

Get it FREE: There are some sites that will help you sift through the spam to get free items. Be warned that some of the free items still come with many "free" emails.

• Coupon Mom: Already mentioned above, this site also lists ways to get free samples of many products. http://www.couponmom.com/
• Free Shipping.org: This site lists all the free shipping deals and codes. If a site offers a free shipping offer, they have it listed. If you need a code to get free shipping, they have most of those too. http://www.freeshipping.org/
• Hey, It's Free: This blog website run by Goob works to find out the real freebies on the internet. Goob goes out there and finds out if a site is just spamming or if there really is something for free at the end of all the forms. That wisdom is then passed on to the readers of this sarcastic but informative blog. http://www.heyitsfree.net/

Compare Insurance Carriers: It is true, if you have been accident/incident free for a while you may be able to save by switching to another insurance carrier. Every company may offer something different in incentives, but take a look and see if a switch can't save you some money this year.

• InsWeb: Recognized by sites like Kiplinger and Forbes, this online insurance comparison site will help you by getting quotes from agents after you supply your information. http://www.insweb.com/
• NetQuote: An insurance comparison website. You fill in the information and the agents work out your rate with their company. http://www.netquote.com/

Be your own travel agent: Consider your vacation plans carefully in advance. When shopping for tickets, shop around to more than one vendor. It is not unusual for some airlines to give better deals then the online travel agencies. If you are a spur of the moment type of traveler, you might consider researching a couple major cities before tempted by last minute weekend travel deals. Like consumer reports, travel blogs are a great way to get more information before you go. Did you know you could see an opera in Vienna for $5? Well, now you do…

• Budget Travel: In print and online magazine from Frommer's Travel, the site also offers free articles on featured destinations, trip ideas and advice from other travelers. http://www.budgettravel.com/
• Kayak.com: This travel search engine is different in that it does not sell you the deals, it just works to find them for you. This is one of the easiest ways to search online travel agencies (i.e. Expedia) and the travel companies (i.e. airlines). http://www.kayak.com/
• Lonely Planet: Supplementary to the printed books, this website offers information about popular travel destinations as well as tips from other like-minded travelers. http://www.lonelyplanet.com/
• USA.gov: Want to stay close to home but still get away? Check out the official state travel sites for the 50 United States and U.S. territories. http://www.usa.gov/Citizen/Topics/Travel_Tourism/State_Tourism.shtml

As many of us look to stretch our dollar a bit further our money spent on entertainment is often cut. However, entertainment is a good way to relieve stress and get a quick break from the real world. Increasingly, the fee paid for an internet connection is offering a bigger return on the entertainment dollar. Improved connection speeds have created a mushroom of online content that allows users to watch streaming news broadcasts, missed TV shows, webisodes, viral videos (i.e. YouTube), free online games (and competitions), blogs and chat rooms - to name a few. Everywhere you turn, everyone is trying to get their movie, TV show, 15 minutes all noticed on the web. Television alone has morphed from episode summaries and casting lists on a single webpage to deluxe sites with missed episodes online, behind the scenes footage, games, screensavers, additional back stories and character development, and much more. So who is leading the pack with the best sites and content? Who is side-stepping the pack altogether? You might be surprised!

The Usual Suspects
Below is our ranking of the major broadcasting stations that are easiest to use and include extra online content.

1. NBC.com http://www.nbc.com/ NBC has a slick and clean menu and you can easily find episodes of your favorite shows. A great plus is that you can watch a whole season if you got lost a while back and need to catch up. Also, you don't have to watch the show the same week it originally airs. Videos load quickly and offer chapter selection to jump where you left off or skim through with ease. 
2. ABC.com http://abc.go.com/ The website is clean and easy to navigate. A big disappointment is that not only does the user have to sign an agreement but then download a special plug in just to watch online episodes. The entire site has a much more proprietary feel to it. However, they did redeem themselves a bit by allowing access to episodes from previous seasons for one of their most popular (and confusing) shows 'LOST.'
3. CBS.com http://www.cbs.com/ CBS has a fairly easy menu. The best is to go by show as viewing directly by video is a bit more messy and makes it harder to find past episodes. The option to watch TV and chat at the same time is slow to load (I gave up after two minutes of the loading icon spinning). Video without chat loads quickly and is just as fast as the other stations. Plenty of content about shows but the webpages have an older point-and-click menu that takes a bit longer to navigate. There wasn't a lot of clarity in the order of episodes if you were trying to catch up for the season.
4. FOX.com http://www.fox.com/ A slick moving website that is easy to navigate. However, FOX allows access to fewer full episodes then the other stations. The individual show websites offer a lot of extras but are not as clear to navigate.

Cable Networks
So if you don't subscribe to cable, who gives you the best online?

1. Discovery Communications Group Discovery Channel - http://dsc.discovery.com/ | The Learning Channel - http://tlc.discovery.com/ Animal Planet - http://animal.discovery.com/ | Science Channel - http://science.discovery.com/ This family of websites has a similar menu and limited selection of full episodes like FOX. However, the fact that current shows with new content is available is a plus compared to other cable stations. Overall, a great way to get highlights of what you're missing for chats around the water cooler. Also, the extra games are a nice touch.
2. Comedy Central http://www.comedycentral.com/ Full episodes are available for most shows. The individual shows do keep separate URLs which made it a little harder to navigate back to Comedy Central. However, all offered complete sites with extra content.
3. Disney TV http://disney.go.com/index This site has a slick design and offers plenty of content including games and fan pages for their most popular shows. One negative is there is almost too much content. Many 'teaser' videos play when the user enters a new page without being selected. Although some full episodes are available online, they are not necessarily in discernable order.
4. Nickelodeon http://www.nick.com Plenty of fun games and video bites for kids. Like Disney, there is background content that loads as soon as you enter a page. The pages are busy and harder to find content.
5. A&E TV http://www.aetv.com/ Not the easiest navigation at first. However, more episodes and clips of episodes are offered then on some comparable cable sites.
6. USA Network http://www.usanetwork.com/ A couple to a handful of episodes available of USA original shows. Some are available without commercial interruption which is a nice touch. However, not all series offer episodes for online viewing.
7. Bravo http://www.bravotv.com/ Some behind the scene information and recaps. Videos are offered with some full episodes. However, the navigation of videos is not user friendly and is geared more towards a fan who knows what they are looking for on the channel.
8. TBS.com http://www.tbs.com/ Again a required download of a plug-in before being able to view videos. Basically a collection of a few variety shows and reruns. There is not access to the movies, only their schedule.

A Brand New World
Sites without a presence on television but offering television/movie entertainment.

1. TV.com http://www.tv.com/ There is definitely more content on this website then some of its competitors. This site has a larger variety of shows and even news broadcasts are easy to search and view here. TV.com offers an easier navigation if you want to find information and summaries of a particular television show. However, the video interface is not as friendly.
2. Hulu.com http://www.hulu.com/ Hulu offers episodes of series from all different TV channels. Episodes are separated by genre rather than channel, but an easy search will help you find your favorite quickly. Interestingly, some episodes will load directly from Hulu whereas others will take you to the home website making Hulu act more like a search engine. An added plus are the movies. Many of your re-run favorites from Sunday afternoon can be found here. Load time is good, even for full movies.
3. Boxee http://www.boxee.tv/ This is a free membership website that dose require users to download their program. It checks all your media on your computer and then creates a one stop area for everything from photos to music. With an open source code it is intended to be manipulated by users so they can add user generated content. However, it is not really ready for all computer systems at this time and was overall frustrating to install. PC to TV or TV to PC? Considering the competition for your entertainment dollars, it should be no surprise then that many TV's offer WiFi connection to your computer to make certain you can enjoy all these extra goodies from the comfort of your couch. However, some computers are also pushing their new models of All-in-Ones aimed at being one-stop entertainment centers. These new computers are offering bigger and better viewing screens, more compact CPUs and easy plug and play for cameras, music players (iPod, Zune, etc.), and much more. Depending on your budget and your pocket book, there are some wonderful choices on the market already.