Bugs are a part of life and rodents often come wandering through. These animals are part of the environment and serve their purpose in the great chain of things. However, they can become a nuisance and may even be dangerous if they take over our homes. They are then more aptly called 'pests' and need to be dealt with. This quick article will give you some preventive tips about how to battle common pests. You may adjust many of these tips to various bug and critter problems.

ANTS

Seeing ants around a home is usually taken for granted; however, an ant colony in your home can become a serious issue and should not be ignored. Identifying the species will be important to identifying the type of problem you have. A black ant may be something you can live with when moderated but a carpenter ant is just as dangerous to your home as termites. So what attracts these pests? Food scraps, crumbs, sugar spills or pet food are just a few examples of the type of foodstuffs that will attract many ants. Also, leaky pipes and other sources of water will also help keep the ants happy. Some ants, like carpenter ants, will go for rotting wood. How do you know if you have ants? Well, in most cases you will see them. Soldier ants will make not secret of their presence as they march through your kitchen looking for goodies. In a large indoor infestation you may also see the swarming of winged ants as they search for a new place to colonize in spring/summer. In cold winter months, if you see ants indoors, they are probably in your home rather than coming from outdoors. Finally, how do you get rid of them? First step is to follow their trail to their home. This may lead you to breaks in the baseboard, window, etc. showing you how they are approaching from an outside nest. In this instance, simply seal up entry points. If you find their nest is in your home or you cannot locate it for certain, then baiting is the best option. Ant colonies can sometimes be hard to locate and spraying may just encourage them to pack up and move to another corner of your home. Instead, baiting lets them take poison back to the colony themselves. Baiting is also considered less toxic than spraying. However, make sure it is out of the way or ignored by curious children and pets.

BEES/HORNETS/WASPS

Bees are essential to the eco system, helping plants spread pollen. Wasps, although they look similar to bees (have a thinner waistline), actually survive both on eating nectar and other insects which make them just as beneficial to the ecosystem. Although bees and wasps look the same on the outside they have many behavioral differences. However, one thing that does remain certain is that they all should be handled with caution. When both move too close to our home they can become a problem. So what attracts these pests? Both are attracted to areas that do not receive abundant traffic. This is why you may discover them on your property in areas used less often such as near sheds or side storage awnings. Bees and wasps may build their colonies in the ground, old tree trunks, cracks/openings in buildings and generally other quiet, out of the way places. Paper wasps make the nests in limbs, under eaves of houses and other high places. A good source of food and water and bit of piece and quite offer ideal conditions. How do you know if you have a bee problem? With bees you may not know until your at the area with a hive in the ground. Nests of paper wasps and hornets you can usually spot up in a high corner or nook. Again, bees, hornets and wasps can be beneficial to the ecosystem around your home and if they are not causing a danger may be left alone to work their magic for the summer. However, if they are in structures of your home or too close to where the family may stumble on their territory you should seriously consider getting rid of them. Finally, how do you get rid of them? Be very, very careful when going after any of these groups. Especially in the case of underground hives you may not know how large the hive could be. The biggest threat will be swarming. To protect yourself, make sure to cover you body as much as possible; use gloves, hat, scarf, etc. Also, try to get the nest at dusk or later when most wasps/hornets are back at the nest. There are many specialized chemical sprays on the market that can help eradicate these nests. Again, just make certain to proceed with caution or contact a professional if in doubt.

COCKROACHES

Cockroaches are notorious household pests. These bugs colonize rapidly and can contaminate everything they touch with diseases and allergens. They can spread sickness and irritate those with allergies. Not to mention they can overtake an area with a colony and cause physical damage to your home. So what attracts these pests? Cockroaches are attracted to damp and unsanitary places; sewers, drains, kitchens, bathrooms and storage areas to name a few. How do you know if you have a cockroach problem? If you don't see the cockroach directly, you can usually find signs of their damage and fecal matter. If you suspect cockroaches, setting up traps where you think they are active will help get an idea if they are in your home. Finally, how do you get rid of them? Sanitation is going to be the first key step. Getting messy, mildew ridden places clean will help minimize their romping grounds. Another step is to set up traps so you may better pinpoint their home(s). You will then need to set up a monitored program that may include baits, dusts, sprays and more traps. Keep track of your progress, if the problem persists you should enlist professional help. Also, the extermination program may vary depending on the species of cockroach in you home. A professional will know how to identify the species, find the colony (or colonies) and set a program to fully eliminate the intruders.

FLEAS

Fleas are usually a pest pet owners are the most aware of. These insects live off mammals, biting them and laying their eggs on them. The eggs eventually drop off onto sleeping areas and other areas frequented by the pet and continue their development there. Some animals and people are allergic to their bites, most however, just find them annoying. So what attracts these pests? You do, and your animals too. These pests survive off eating blood from mammals. Pets that are inside and outside will be the likely carriers of this pest into your home. They will bring them in and usually the fleas will concentrate in their dog/cat beds and other areas they sleep. How do you know if you have a flea problem? Usually targeting pets the most, you'll notice if they are itching and scratching a lot. You'll also may come to notice bites of your own. If allergic you will see red welts develop. Finally, how do you get rid of them? To get rid of fleas many times you will have to exterminate them in the yard as well as your home. Fleas spend most of their time on your pet or other animals. They lay eggs there as well, but these usually fall off into the surrounding area, such as your carpet! This is why when you eradicate your home of these pests you need to first clean these areas. Concentrate on where you pet sleeps and spends the most time indoors. Also vacuum, clean any pet bedding, rugs, blankets and anything else the pet has been near. From here you may then use over the counter insecticide to treat these areas to kill off as much as possible. You will need to apply these more than once as any flea pupae are immune to these sprays when in their protected cocoon. At the same time, any pets should also be treated. You can use flea baths in conjunction with various flea medications or collars. Be certain to read directions carefully as many of these are species specific (i.e. for cat or dog only) or also weight specific; ask your vet for recommendations. Finally, for your yard, there are pesticides you may spray on, again, concentrating on pet kennels, dog houses, runs and other areas they use the most. As with all these pests, you may also hire a professional if in doubt or if a severe infestation arises.

MICE & RATS

Mice are much smaller than rats. However, they are similar in that they have poor eyesight and find their way into your home through cracks and openings, following their nose. These openings may be in the foundation, roof, floor (if unfinished) or anywhere else that has an opening 1/4-1/2" in size. So what attracts these pests? Food and shelter are big draws. Many times it is stored food that you may not directly associate as a problem. An example would be stored seeds or camping supplies. Don't consider your items stored in the attic are any safer, roof rats got their name for a reason! How do you know if you have a mouse or rat problem? If you don't see these pests directly you will hear them and often see their damage. There may be gnawing on holes or entry points in walls or cabinets and gnawing on food boxes and similar items as well. You may also find droppings in the home. Most likely if you see these pests you will see them at night or when it is more quiet in the home. Finally, how do you get rid of them? First eliminate how they are entering your home. Any holes should be closed off with tough metal mesh or sheets. The harder the material the better as these pests can work their way through anything soft, like wood! Remove the temptations like stored food or piled garbage or clutter. For stored foods consider moving items into plastic or glass containers instead of cardboard (depending on how accessible these items are). Next you may use traps or poison or a combination of the two. Most poisons are taken by the mouse or rat back to their burrow, so you may end up a with a dead mouse/rat in the wall of your home - this will not smell good! Also, mouse/rat poison will make pets and humans very sick if ingested, make sure to keep it away from pets and children. Check with a professional if you have a large infestation or are uncomfortable using traps and poisons on your own.

MOSQUITOES

Mosquitoes are annoying! They buzz in your ear and inflict bites that itch and seem to appear out of nowhere. It has always been known that some mosquitoes can transmit diseases. They have received more attention in the news lately due to their carrying the West Nile Virus. It is important that you keep repellent on you when camping and enjoying the outdoors. Here is some additional information about what do you do when they become a pest in your yard and home. So what attracts these pests? These pests lay their eggs in standing water. This can be a pond, a rain barrel, old tire or a tin can (to name a few). As long as there is a bit of water or moisture many species of mosquito can survive. Some will even lay eggs in low vegetation/ground cover that is damp and secluded. What attracts them to you and your pets is your blood supply. However, this is only the females as the male mosquito eats nectar from plants instead. How do you know if you have a mosquito problem? You will know if they are pestering you! Also, if you have standing water or a pond you can sometimes see their activity in the water. Finally, how do you get rid of them? You can start by eliminating standing water on your property. However, this may not rid you of the pest entirely as they can travel distances and may be breeding somewhere away from your home. Next you can get various repellents for your yard and home. However, keep in mind that it will be an ongoing treatment since this pest may be coming from outside your property. Oftentimes, personal protection such as sprays for the skin are your best defense against these pests.

SCORPIONS

These pests are more of an issue in southern states but do inhabit some northern states. They have two large pinchers and a stinger bulb at the end of their tail. Usually they will leave you alone unless provoked. However, if they are hiding in your home you may run into more problems than if they were only living outside. So what attracts these pests? They usually can come into the home like many other pests, through cracks and other openings. The are usually looking for bugs, moisture and dark places to hide. Directly outside the home they may be in wood piles or under rocks. How do you know if you have a scorpion problem? You will most likely see these pests at night when they are out hunting. It is also possible, if they are in your home, that you will find them in closets, bathrooms and other dark and/or damp areas where they are comfy. Seeing one does not mean you have an infestation, however, it does mean that they are getting into the house somehow and you should do an inspection of your perimeter to make sure you can keep others out. Finally, how do you get rid of them? Remove firewood, rocks and debris too close to the home which may offer them their first hideaway. If you have areas of your home prone to moisture problems, then get these areas fixed and dry them out. Regular bug control will help as well as you will be removing their food source. There are chemicals on the market, but you will want to rid your home of hiding places before using these. Seek professional help if you are uncertain. Also, make sure to wear protective clothing when searching them out such as gloves and boots. Most scorpions are not lethal to humans, but their sting will hurt like a wasp or large honey bee.

SPIDERS

Spiders are a part of home life. They can be good friends in combating unwanted insects and aid in pest control. For example, big colorful garden spiders may look intimidating, but they can prove a valuable ally in getting bugs out of your yard. However, all spiders can become pests themselves when they become too abundant or invade your home. So what attracts these pests? Most spiders are attracted to an area with many bugs to feed on. They usually want a high or low corner where they can remain undisturbed. Spiders that build webs, will do so where it can remain undisturbed but will also trap bugs as they wander about. Some spiders, such as wolf spiders, do not build webs but instead go out on potrol hunting for bugs. These spiders will hide out during the day and come out when it is quieter. How do you know if you have a spider problem? You may notice too many webs and in some cases, molted shells within the webs. You may also find egg sacs that are full of tousands of eggs that you will want to dispose of carefully. To squeeze one of these too hard is not a pleasant experience! Also, you may notice spider bites. These small bites will let you know that they are too abundant. Finally, how do you get rid of them? Like many of our other pests mentioned, getting rid of debris around and inside the house will help. Also, getting rid of their food supply - if you keep you other bugs out they won't have food to find in your home. Make sure you identify a spider before acting. If it is a poisonous spider, such as a hobo or brown recluse, you may want to get professional extermination. If it is a garden spider you may want to just trap them and put them outside in your garden where they will become a very good ally.

TERMITES

The most common pests that like to devour your home are termites. These pests alone are estimated to cause $5 billion a year in damages!* These pests will literally eat you out of house and home if left unchecked. Like many pest issues, the damage they can do to your home is devastating and unfortunately not covered by homeowners insurance. Therefore it is important when buying a home to get a inspection for bug problems. So what attracts these pests? Moisture is a big draw and they like to keep the humidity levels up. Keep the foundation of your home dry by ensuring all your drainage is working properly; make a point to check for moist spots so you may correct the drainage ahead of time. It is a good idea to keep a gap between any wood and dense plants and the soil around your home. Along these same lines, you should make sure gutters are kept clean of debris. If they become clogged these too will attract termites to your home. Keep firewood stored elevated off the ground and away from your home. You should not let unused firewood just sit and rot as this will become a termite haven. If building a new deck, fence, etc. make sure to use treated wood and seal it from water. Also, using sand around posts, under decks and other areas will make it more difficult for most termites to tunnel their way in. How do you know if you have termites? If you begin to see flying termites in your home and wings discarded in window sills, doorways, spider webs, etc. this may be a good indication that there is a colony in your home. One of the tell tale signs is pencil sized "mud-tubes" that are part of the network termites build. These tunnels in wood are soft and can easily be crumbled with a knife. Finally, how do you get rid of termites? There are three types of treatments a professional inspector can offer: soil treatment which uses a diluted poison placed in the soil to protect the perimeter and serves for long term protection from termites (this is usually used in cooperation with one of the next two treatments); wood treatment which treats the wood directly effected and surrounding area with poison, and finally bait treatment which draws the termites out which gather the poison and take it back to the colony. Whichever of these you choose, it is highly recommended that you consult a professional to get this type of job done correctly. One item you may want to ask a professional you hire concerns the chemicals they will use. Many of these are toxic well after applied. Make sure they are aware of children and pets in your home and might be able to offer alternatives if necessary.

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!

Wood pests, wood destroying organisms, structural pests, termites and dryrot, or, fungus, whatever or however you refer to them, they are the uninvited, unwanted guests that can degrade the wood structure of your home, or, the home you are interested in purchasing. What is interesting is how these conditions are addressed in the various states. Some states allow Home Inspectors to identify and report on these issues if the inspector is properly certified/licensed. Meanwhile, other states (California is one) do not allow Home Inspectors to identify wood destroying organisms unless that inspector is also licensed as a Structural Pest Inspector, of which there are very few. But, if the inspector is properly licensed, then the reporting will be done on a report form mandated by the Structural Pest Control Board located in Sacramento, and the reporting process falls under a whole slew of regulations administered by the Structural Pest Control Board. In California, a Home Inspector can only mention a “wood pest” or “white growth” condition and note it in his or her report, and then, can only refer/defer to a licensed Structural Pest Inspector/Company for further details, proper identification of the wood pests involved, and, recommendations necessary to correct/repair the issues present.

This practice is unfortunate as that process breeds (in California anyway) a huge conflict of interest situation that revolves around the home sale/purchase activity. In California, the Structural Pest Companies perform the “termite” inspections (the term commonly used to describe a Structural Pest Inspection) for little or no money with the intent of getting their “foot in the door” to do the chemical treatments and repair jobs, which can be very expensive. So, lets peel off the first layer of the onion. The scenario goes: The inspector/company you call to make the inspection is the same person/company who provides you with a report that outlines the repairs and chemical treatments that he/she says are needed, which is the same person/company shoving a pen and a work contract into your hands to sign, which is the same person/company that sends out their repair crew to perform the work, which is the same person/company that “inspects” the completed work and then issues a Notice of Completion and certifies the property “free and clear.” I don’t know about you, but in my opinion, that is a big conflict of interest.

But wait, lets take it one more step further. Lets peel off the next layer of the onion. How about the fact that many of the “termite” companies pay their inspectors straight commission on WORK PERFORMED/COMPLETED! Might that smack of a little conflict of interest? How comfortable would you feel having your home inspected under those conditions? How objective and impartial do you feel the outcome of the “termite” report will be, knowing that the “termite” company/inspector lost money the moment the tailgate of the inspectors’ truck went through the shop gate on the way to the inspection and now they need to recoup?

Time to peel the next layer off of the onion (are your eyes watering yet?). Now lets throw the real estate agent into the mix. The agent calls the “termite” company for his client (purchaser) and orders the inspection. All fine and good unless this agent happens to be one of those who has a predetermined idea as to what the outcome of the inspection should be in order to close the deal quickly and with no hassles even though the inspection report may have no basis of reality as to the conditions present. This is why, on occasions too numerous to count, two inspections of the same home are worlds apart. The rule is: both/all reports of the same home should contain the same findings, but the recommendations to repair may differ as inspectors may have different methods to correct the conditions found. It is very disturbing when comparing two reports of the same home, that, the diagram, as well as the findings, are as if the two inspectors looked at two different homes. But, this occurs all too often because of the pressure applied by the agents by “black balling” inspectors that are perceived to be “deal busters” because they actually do their job and accurately report conditions present.

Please don’t feel that this discussion is saying that all real estate agents or termite inspectors/companies are “shady.” More are good than bad, but the questionable still exist and you need to be aware and "do your home work” so you don’t end up in a situation for which you didn’t bargain.

So, lets peel another layer off of that onion, but in a positive way this time. ALWAYS, I REPEAT, ALWAYS interview the real estate agent before engaging them. Just because the agent meets you at the door of the office doesn’t mean you are “stuck” with him/her. If the agent is the listing agent of the property, be especially wary. They will not legally be working for you or have your best interest at heart. That is where the questionable termite inspector/company may suddenly appear. You want to ask the hard questions and get the proper answers! You want to know names and phone numbers---- not of sellers, but of purchasers of property handled by the agent so you can find out how their (the purchaser) experience was. Of course, this is a good time to find out how satisfied they were with the pest work that was performed. You would be surprised by how many buyers are very unhappy with the quality/completeness of the pest repair work but don’t have the stamina to “fight the system.”

In closing, referrals from qualified sources are your best way to find the inspector and real estate agent that will best serve you. Remember, the ones charging the least are most likely the ones to give you the least. A home purchase is probably the single largest investment any of us will make in our lifetime, so don’t shortchange yourself by falling into the age-old trap of the “cheapest.” Ron Ringen owns and operates Ringen’s Unbiased Inspections, which is located in Sonora, California. Ringen’s Unbiased Inspections serves the beautiful gold country of California that includes the foothills and Sierra Mountains in the counties of Tuolumne, Calaveras and Amadore. Ron has been involved with the Structural Pest Control business for 43 years and has been a licensed Structural Pest Inspector in California since 1968. Ron is a licensed General Contractor (B) in California and has been since 1977. Ron is certified with the American Institute of Inspectors as a Home Inspector, Manufactured/Modular Home Inspector and a Pool and Spa Inspector.

The interior design industry is growing and is expected to grow 17% by 2014.* Those interested in this career should have strengths in interpersonal communication and project management. Interior designers work on a regular basis with business and home owners, architects and various trades professionals from carpenters to electricians. Planning these projects will take good communication and the ability to plan around various schedules. Interior designers should also have an artistic and creative mind. Many times they will need to "think outside the box" to make a space work with both function and aesthetic design. Most interior designers work through the following steps: assess the needs of the client, make a plan for review, calculate the estimated cost, select materials to be used on the project, contact architects and other trade professionals if needed, set a timeline, and coordinate all materials and labor for the project thru to completion. It is quite a list, but many enjoy the challenge all the same. Does interior design sound like something you would enjoy? Then time to sign up for classes! This month we look at interior design schools, what to look for in the school and where they are located in your state. Perhaps it is time to begin that new career.

Part I: What to Look for in Interior Design Schools

The recommendation is that those interested in interior design get a postsecondary degree for most entry level positions. Besides a school education, many interior designers also do anywhere from 1-3 years of apprenticeship in the field. Gaining this "real-world" experience can be just as important as the school education. Therefore, consider schools that help prepare you for work inside and outside the classroom.

• Here are some items you should consider when choosing an interior design school:
• Take a look at class size and curriculum. The school should offer both theory and hands-on experience in labs, internships or other projects.
• Set up an interview with faculty and/or students along with a visit to the school. Some schools may let you sit in on a beginning level class for the day to get a feel for the school's culture and program style.
• Consider the area of interior design you want to specialize in when choosing a school. Some schools may have more experience or strengths in different specializations. Areas of specializations vary: Commercial Design, Residential Design, Hospitality Design, Healthcare Design, Green Design and so on.
• Get to know the faculty members via online bios or in-person interviews. Does their experience and expertise fit in with the type of interior design you wish to pursue?
• If required in your state, the school should help you prepare for the state interior design certification/competency exam.
• Check to see if the school you selected did the voluntary accreditation with the Council for Interior Design Accreditation or the National Association of Schools of Art and Design.
• Find out what type of apprenticeships are available or if students must arrange their own outside "real-world" experience.
• What kind of employment opportunities are available to graduates? The school should offer data about employment rates and a list of they types of employers their graduates work for.
• Does the school offer continuing education classes that you may take after graduation? You may need access to these types of classes to learn about innovations in the field or keep an active professional certification or license in your state.

Useful Interior Design Sites

American Society of Interior Designers
www.asid.org
ASID is a community of people—designers, industry representatives, educators and students—committed to interior design. Through education, knowledge sharing, advocacy, community building and outreach, the Society strives to advance the interior design profession and, in the process, to demonstrate and celebrate the power of design to positively change people’s lives.

ASID: List of Registration Laws
Currently, 25 states and jurisdictions have licensing requirements for interior design practitioners. In many of these states, you cannot even call yourself an interior designer unless you meet or exceed a certain level of accredited education and in some cases pass the qualifying exam administered by the National Council for Interior Design Qualification. Regulation of interior design practice continues to become increasingly wide spread.

Careers in Interior Design
This website has been created by professional organizations as a service to individuals pursuing a career in Interior Design.

Council for Interior Design Accreditation
ww.accredit-id.org
The Council for Interior Design Accreditation is an independent, non-profit accrediting organization for interior design education programs at colleges and universities in the United States and Canada.

Interior Design Educators Council, Inc.
www.idec.org
The Interior Design Educators Council, Inc. (IDEC) was founded in 1963 and is dedicated to the advancement of education and research in interior design. IDEC fosters exchange of information, improvement of educational standards, and development of the body of knowledge relative to the quality of life and human performance in the interior environment.

The Interior Design Society
www.interiordesignsociety.org
The Interior Design Society (IDS) was founded in 1973, and is the largest design organization exclusively dedicated to serving the residential interior design industry.

International Interior Design Association
www.iida.org
The International Interior Design Association (IIDA) is a professional networking and educational association of more than 10,000 Members in 8 specialty Forums, 9 Regions, and more than 30 Chapters around the world committed to enhancing the quality of life through excellence in interior design and advancing interior design through knowledge.

The Library of Congress: Architecture and Interior Design
http://memory.loc.gov/ammem/collections/gottscho/
The Gottscho-Schleisner Collection is comprised of over 29,000 images primarily of architectural subjects, including interiors and exteriors of homes, stores, offices, factories, historic buildings, and other structures.

US Department of Labor: Bureau of Labor Statistics
ww.bls.gov/oco/ocos293.htm
Statistics and review of the Interior Design profession.

IMPORTANT HOME INSPECTION TIPS

1. Order a home inspection soon after your purchase offer has been accepted. Real estate contracts typically allow a limited number of days to complete a home inspection (and then to request repairs, if applicable). 

2. Reputation is important. Choose a home inspector who is known for competence and professionalism — a referral from your lender or realtor is a good place to start. Make sure the inspector you select has access to ongoing technical support and offers you post-inspection advice, if needed.

3. If the home has been vacant, ask the seller to have all utilities turned on during the home inspection. Failure to do so may require a second trip to the home and may involve additional fees. To properly evaluate the home, an inspector must be able to operate all systems.

 4. If your inspector recommends a further evaluation, have a specialist in that area conduct a more extensive examination prior to closing.

5. Be sure you understand all conditions identified in the inspection report and reported defects/and or areas of concern have been resolved to your satisfaction before closing. 6. Your inspector can arrange for other services such as radon screening, termite inspection, water analyses, lead-based paint testing and septic/well system evaluation. Take advantage of your inspector’s contacts when necessary to further minimize unexpected after-sale problems or hazards in your new home.

More information at: http://www.southernhomeservices.biz/index4.htm

Lately, when we turn on the news, we hear about a troubled economy and an unstable job market. The constant barrage of bad news has encouraged most of us to cut spending wherever possible. Perhaps a household will cancel cable TV for a year, limit their cell phone plans, reduce the number of times they eat out as a family, or tackle another cost reducing option. As many different "belt-tightening" measures are taken, everyone should be careful they don't cut the essential items. One annoying essential is the cost we pay for insurance - there is no guarantee we will need it in the near future (in fact, we hope to need it as little as possible), however, if an accident does happen and we don't have coverage, the costs could send us into bankruptcy. Understandably, if a bread-winner of the household loses their job, it is tempting to cut costs where we cannot see the immediate need. This said, it is far better to reduce coverage than to go with no coverage at all.

Before we discuss insurance any further, let us get this down now - it is not worth the risk to eliminate insurance coverage completely.

• For homeowners insurance, your mortgage lender will require that your home is at least minimally insured. However, it is possible to let your insurance coverage lapse if you don't pay your bills or mortgage. A few months lapse does not mean you lose your insurance right away. However, letting it go longer than a couple of months will leave your home uninsured. When you then try to reenroll your coverage, the insurance company may charge you as much as 2 or 3 times more depending on how long you went uninsured - you have become a higher risk client. If you do not reenroll and let your insurance continue to lapse, your lender can take action to protect their investment. A lender may enroll the house in an insurance policy which they then add to your loan payment. However, they will be the party to receive funds if the home is damaged (i.e. fire). Essentially, you will be forced to pay for an insurance of their choosing (maybe at a higher rate) but you will not receive the benefits of the original coverage under your name.
• Basic automotive insurance is required by law in most states. If you are driving uninsured, you could be faced with a lot of out-of-pocket expenses as well as legal fines if you are ever in an accident. Again, if you drop insurance coverage and reenroll later, the insurance company may charge you as much as 2 or 3 times more depending on how long you went uninsured as you are a higher risk client. For a chart detailing the amount of coverage required in your state, click here to visit Insure.com. Before you cut your auto insurance to the bare minimum listed, consider some of our insurance shopping tips listed below that may help you lower your costs.
• Finally, what about health insurance? It is estimated that this year the number of Americans without health insurance is as high as 52 million. Most Americans rely on their employers to help cover some of their health insurance cost. However, as premiums rise for companies, they are forced to increase the contributions of their employees. So in today's economy, both those with jobs and those who have lost their jobs are struggling to keep affordable health insurance. Everyone should have health insurance to offset the astronomical cost of emergency health care. Those without insurance may find that the ambulance ride alone may break the bank and leave them with more debt than they can possibly afford to repay. Below we have provided some strategies for obtaining cheaper health insurance.

The above said, let us see how you can cut some of your insurance rates!

Cutting your insurance costs does not mean you should go without coverage. Instead, be a savvy consumer and do your research and shop around. Recently an insurance company ran an ad where they asked consumers how long they shopped for their car and received answers from a week to even a couple of months. When they then asked how long they shopped for insurance, there was a pause and the usual answer of, "Er, uh, less than an hour." This commercial proved a good point about how many people approach shopping for insurance with less care than the big ticket items to be covered. Here are some shopping tips to help you find the best price and coverage.

Strategies for obtaining discounts on home, automotive, and health insurance: 

SHOP before you DROP your money! As the commercial we used as an example above, and as we keep mentioning over and over, nothing can beat comparison shopping. Use the web to your advantage as there are so many quote and comparison sites available. If you aren't comfortable with the web, do some calling around to your local agents. It is worth your time and money! 

Considering the online insurance option? You may give up on some individualized care, but the cost savings may be worth it. Consider these PROS and CONS before you buy online insurance coverage:

The PROS - There are many benefits for utilizing online insurance:

• Easy Comparison Shopping: Using insurance 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 than relying on an agent's account.
• Save Money: Due to the time needed to comparison shop, the pressure to stay loyal to one company, and the uncertainty of other companies, some may lose money by staying blindly loyal to their 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 work out a better rate with your current provider or move to a new provider who offers better coverage for your dollar.

The 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 because not all companies offer the same 'comprehensive' coverage.
• Buying Insurance Coverage In Your State: Not all states 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. 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.

For more information about purchasing insurance online, read our article 'Online Insurance: Is Online Insurance Right for You?'

• Look for and Ask about Discounts: All insurance companies offer discounts, however, not all of them will offer a discount if you don't ask. Since not all insurance companies are upfront with all the discounts they offer, it is best to shop with this at the top of your list of items to ask about. Discounts are available for all types of coverage and include everything from being a long-time client to paying your policy in full (rather than monthly). Homeowners can get discounts by making certain upgrades to their home that make the home more secure and/or energy efficient. Automotive insurance often has the most selection of discounts ranging from a good driving record, a short daily commute, or even a high grade point average (for those student drivers in the house). Health insurers will give discounts for clients in good health - if you lead a healthy lifestyle with regular exercise, no smoking or drinking, you may find completing a health survey will save you money on your premium.
• Raise your Deductibles: By raising the amount you pay out-of-pocket in the case of an emergency, you can lower your rates substantially. Higher deductibles will mean that you may have to pay as much as $1000 or more out-of-pocket per event. However, it does provide a safer gamble compared to no insurance at all. For health care you may consider a high deductable plan for "emergency" or "catastrophic" insurance. These plans will only cover a major accident but, if you are in good health and don't need a lot of medications, this plan can help offset high rates. However, keep in mind that you will have to pay over $1000 out-of-pocket and these plans will not cover routine doctor visits. Instead, combine this insurance with a Health Savings Account for the best rounded coverage.

MORE Strategies for obtaining discounts on home and automotive insurance: Flood damage is not covered by homeowner insurance. The National Flood Insurance Program is a partnership between FEMA and isnurance companies that offers coverage. 

• Bundle to Save: Using one insurance provider to cover your home and vehicle can help save you money as most insurance companies provide a discount to get your business. This will save you money if you check with your current provider, but don't be shy, take advantage of online comparison sites or do some calling around. You may be surprised at the differences!
• Review your Policy: Make certain you review your policy at least once a year. There may be adjustments you can make in coverage. For example, as your car gets older and subsequently worth less than when you first bought it, you may find you need less coverage. For your home, you may find you have sold high insured items from your household or take inventory and realize you don't need to cover that old computer or entertainment center for as much as you did before. Examining your Personal Property Value may lead to areas you can logically cut coverage.

For more information about homeowners' insurance, read our article 'Understanding Homeowners Insurance.'

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/
• US News & World Report - Top Health Insurance Companies http://health.usnews.com/sections/health/health-plans/index.html

Online Insurance Comparison Sites

• Insurance.com www.insurance.com
• Quicken http://www.quicken.com
• InsWeb www.insweb.com Insure.com www.insure.com
• eHealthInsurance www.ehealthinsurance.com