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Pets kunne levere mange artig sager hen til jer nemlig dens indehaver, men den oparbejde i vælger hvilke sig er ren nemlig jeres lifestyle burde implicere en grundig indfald. Med nogle faktorer at overveje, beslutte, hvilken en vil tage nogen tid, men syd Bellmore veterinær gruppe forsikrer dig om, at det vil være det værd i sidste ende. Selv om jeres ' aktuelle planlæggelse hen til optage noget pets, lære den sager at jer savn hen til overveje i den næste paragraffer.

 

Det er muligt, at du allerede har en liste over dyr, du er interesseret i at holde, så det næste skridt er at lære om de specifikke behov og ønsker af hvert dyr, der indgår på din liste. Du er nødt til at tænke på din rutine og livsstil, mens lære om dem, og derefter afgøre, hvilke dyr der er bedst egnet til din måde at leve på. Du skal sørge for, at tingene vil fungere fint mellem dig og dit valgte dyr.

 

Selv om jeres ' altid en optaget pågældende og jeres ' ikke sikker omkring gav konstant omhu og opmærksomhed hen til jeres pets så er der ikke mere gide simpel opretholdelse dyrene hvilke forlange færre handlekraftig vekselvirkning. Hvordan end, selv om jer savnet hen til tage sig af nok så handlekraftig dyrene såsom hunde og katte og jeres ' sikker at jer kunne indrømme sig jeres gang med jævne mellemrum så er der ikke mere opgave er hos disse arter i dyrene.

 

Når du har gjort op dit sind til at vælge fra lav vedligeholdelse dyr, kan du begynde din søgning med fisk. Holde en guldfisk er et godt valg, så godt, især hvis du er på et stramt budget, da det er billigt og er meget let at tage sig af, da du kun behøver at fodre det hver dag. Men det kan ikke give det venskab eller kammeratskab du kan få fra mere aktive dyr. Men hvis fiskene ikke var til din smag, kan du gå med fugle. De har heller ikke brug for så meget opmærksomhed for at tage sig af dem, du simpelthen nødt til at rense deres bur og sætte nok forsyning af mad og vand. I modsætning til fisk, kan du interagere med fugle og danne et venskab med dem og i sidste ende udvikle en stærkere Bond. Du kan få dem på en overkommelig eller en højere pris afhængig af deres racer, hvor det kan være finker, kanariefugle eller parakitter. Du kan også finde lykken med deres glade støj. Som tidligere nævnt, hunde og katte er perfekt, hvis du er sikker på, at du kan tage sig af dem regelmæssigt. En hund kunne indrømme jer dens uparret loyalitet og lover hen til opbevare jer sikker hele tiden, samtidigt med at en kat kan jeres Fur-ballet i ihærdighed og kilde i sikker vibes.

 

Fra det øjeblik du har besluttet, hvilket dyr der skal medtages i dit hjem, fordi det passer til din livsstil, skal du vælge, hvilken en af dens race er kompatibel med dig næste. Imødese at hver arten har anderledes savn og karakteristikker, altså jer skal være grundig i indlæring omkring sig hen til afgøre hvor hver kunne have indflydelse på jeres liv.

 

Syd Bellmore Veterinary sammenstille vil nu indbringe jer hen til noget arter i hunde. Den først sig var benævnt Boston skrækkelig og indeværende sort i arten dont ' navnlig savn sand behændighedsøvelse og var nobel af simpelt hen slappe ved siden af deres indehaver. Pugs kom på andenpladsen, og denne race ønskede at engagere sig mere i ting, der kan bringe nydelse eller underholdning og også velegnet til en køligere miljø. For det tredje, den type race, der er munter og ideel til regelmæssig udøvelse, der har en god kropsstørrelse samt er kendt som Cocker Spaniels. Nemlig vor sidst arten indfinde sig den Greyhounds, hvilke nyde en større legeme nummer og yndlings løb og rolig omgivelser hos en hyggelig Loco nemlig napping.

 

Efter at have diskuteret nogle hunderacer, vil vi nu gå videre til racer af katten. Den først arten tilbyder en opvakt og munter optræden, den Rusland blå katte, hvilke elske leger omkring hos deres legetøj eller tilbragt gang sammen med deres indehaver. Ser frem til deres sammensat kropsholdning så godt og deres engagement i en rutine. Anden er en race, der var blid og stille, kludedukke katte. Men sørg for at købe fnug ruller og opretholde regelmæssig og ordentlig grooming, så deres udgydelse vil ikke være en kæmpe ballade. Den tredjedel er en arten at er fluffy, høflig og rolig ligeledes, den Persian katte. De er perfekte til at håndtere andre mennesker og elsker at blive soigneret hver dag. Hvis du vil have en aktiv kat, der nyder at hoppe rundt i nogen højder, Manx katte var det øverste valg for dig.

 

I slutningen af dagen, alt efter hvad dyr du vælger som et kæledyr, vil South Bellmore veterinær gruppe gerne have dig til at være forpligtet til at tage sig af dem til den bedste af dine evner hver dag.

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Hovedparten av pet eiere hvem lever alene avreise deres pets for deres huset hver gang de gå ytterside å arbeide eller å studere for skolen. Bortsett fra sakene av hundene har engstelse med hensyn til ensomheten finnes inne situasjonen av annet pet eiere. Og en gang din hunden fikk blitt diagnosed med engstelse alt etter dens vet eller en legeundersøkelse profesjonell, det er på tide å ta affære og høre bedre veier å ta vare på det hel frisk-tilværelse av din hunden, særlig dens mental sunnhet. I løpet av disse vanskelige tider, er din tålmodighet og engasjement sterkt behov i henhold til Sør Bellmore veterinær gruppe. Vite det noe hendelsen kunne finne sted som din hunden havne i ødelegge noe saker inne din huset fordi det er en prøver å komme ut.

 

Du nød å finner flere metoder for utviklende og sinnsro det mental forfatning av din hunden siden ettall handling alene skrånende ' fullt ut gro det kamp din pet er aktuelle erfaring. Faktisk, dette inkluderer noen vanskeligheter på begge sider, men du kan ikke ha en regnbue uten litt regn, ikke sant? Du nød å ha lated medications, forpliktelse, og hjelpe og oppbacking fra annet folk særlig det eksperter eller legeundersøkelse profesjonelle for at hjelp det mental kamp av din hunden. Mene det en dag, din hunden ville virkelig oppfatte din ansvar og ville høre å administrere dens tristhet eller ensomheten, og således bevege fjerne å forbindelsesveien av engstelse.

 

Hvis din ' lever med din hel slekt, din hunden kunne ikke stemning ensomhet selv om din ' går ytterside å møte din ansvar fordi annet slekt medlemmer ville sikker ta vare på den. Bortsett fra hvis din hunden fremdeles bebygget engstelse med slik omgivelsene, du nød å behandle denne materie med din slekt. Sør Bellmore veterinary gruppe ønske du å bli deres hjelpe og oppbacking inne skaper fint opptreden planer, eller ga hunden en positiv, handlekraftig og lysomgivelsene det kunne hjelpe fjerne dens negativ følelsene. For å se mer effektive resultater, erverve service av en sertifisert dyr trener eller en veterinær Behaviorist.

 

Hvis din ' lever alene med din hunden, begynne et par endre å din praksis eller lifestyle hvilke sikte å hjelpe din hunden minske dens engstelse. Hver gang du fikk opp fra sengen, finner din hunden og gir den en morgen klem å fylle dens energi måler for dagen. Opprette tid til deres hunden likeledes aften for kun få minuttene der hvor du kanne mate den dens favoritt næringen eller pet den for en stund. Vis ham en god morgen stemning til minst gjøre det glemme sin angst bygge opp. Tidligere du avreise din hjem, snakke med din hunden og forsikre den det du ville komme hjem så snart som mulig etter dem honorere din ansvar idet en ansatte eller en student. Gi den en klem og et smil med et skikkelig farvel. Selv om det ikke kan forstå dine ord, vil din oppriktighet sikkert nå sitt hjerte. Du kan la TV-en eller musikkspilleren være åpen for å distrahere den fra sin ensomhet eller samle sine favoritt leker på ett sted som er lett tilgjengelig.

 

Dra nytte av dagen-offs og tilbringe litt kvalitetstid sammen med hunden din. Gå en tur rundt i nabolaget eller bare slappe av og spille på en Park. Hvis din ' innlevering huset, sikre den rettferdig for en kort perioden i den grad at din hunden ville oppfatte det din ' komme hjem tidlig i løpet av din hviledager. Se å den det din elsket pet er likeledes mottar det lated beløpet av nærende igjennom en frisk-balansert kosten og en lated morsjon.

 

Dont ' gjøre aksjonene det kunne avreise en arr opp på din dogâ € ™ s følelsene som får meget irritert på den med det punkt din ' rope for den. Hvis din ' bekymret om har den riktig disiplin, der er annet enkel veier det kunne hjelpe du og ettall gir den noe behandler å hver føle etter kommandere. Har engstelse er en følsom utsendelse og dont ' avente den å rask forsvinne fra din pet. Sør Bellmore veterinary gruppe ville like du å forstå det denne nødvendig tid, tålmodighet, besluttsomhet, likeledes idet oppbacking fra andre mennesker og dyr eller legeundersøkelse eksperter.

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Monet usein katsella maailmaa tänään nopeasti eteenpäin liike, jossa kaikki vaatii paljon työtä ja ihmisten täytyy pysyä muutoksia, jotka vaativat heitä työskentelemään kovemmin voidakseen elää. Avulla nyt kuluva, toinen hellitellä omistaja joskus dont ' hankkia aika jotta vedonlyöjä ajaa haluta-lta heidän lemmikki ynnä asia että he kaivata jotta erota heidän lemmikki yksin aikaa koti-aina kun he kaivata jotta sisu jotta koulia eli aikaansaada. Ja tästä syystä jotkut koirat unwantedly kehittää stressiä tai ahdistusta, koska yksinäisyyttä.

Tokko sinun koira ennestään has ahdistuneisuus pitää keskuspaikkanaan model after tulokset-lta sinun eläin lääkäri, niin muodoin eroten se yksin mahti muodostaa jalkeilla enemmän korostaa. Mutta emme voi tehdä asialle mitään, koska jokainen meistä tarvitsee työtä, mitä voit tehdä, on löytää muita tapoja auttaa koirasi vähentää sen stressiä ja ahdistusta. Vaara tilanteiden koirien kokee stressiä ja ahdistusta voi sisältyä niitä epätoivoisesti yrittää päästä ulos talosta ja lopulta murtaa paljon asioita prosessissa.

Asiantuntijat sanoivat, että yksi hoito ei voi kokonaan poistaa ahdistusta koira ja he lisäsivät, että se on hyvin vaikea asia käsitellä. Mutta tästä huolimatta Etelä Bellmore eläin lääkintä ryhmä haluaisi sinun olevan vahvempi koirallesi ja Älä anna periksi. Pysyminen positiivinen se on yksi tapa, jolla voit täyttää sen tyhjiön hieman valoa toivoa. Sitoutumalla ja loputon hoito ja rakkaus, koirasi varmasti jonain päivänä ymmärtää teidän tehtäviä ja velvollisuuksia, ja se voi myös paremmin käsitellä stressiä.

Muistaa että auttaa sinun koira herkku pala sen ahdistuneisuus jälki säädös ajaa aivan jokin aika ja arpa-lta kärsivällisyys. Tokko sinun koira elämä avulla eheä heimo, se on epätodennäköinen ajaksi se jotta edistää ahdistuneisuus alkaen paikalla enemmän kuin ainoa henki joka ajaa haluta-lta se, ainoastaan kotona jokin kovaonninen asia johon koira edistää ainoa, apu-lta ehjä heimo kotona herkku pala ahdistuneisuus-lta heidän Belove d hellitellä on kaivata. Voit keskustella sen kanssa perheen jäsenten ja kehittää keinoja, miten paremmin hoitaa koirasi. Tehokkaimpia tuloksia, hakea asian tuntemusta sertifioitu Animal Trainer tai eläin lääkärin behaviorist.

Sinun pitäisi aloittaa muutokset itsesi kanssa, kuten käyttäytymistä ja/tai elämän tapa. Sinun koira osata sinun ' astuva rikki polveutua aika se herää ja polveutua paikalla,-nsa huolestunut eli korostaa toukokuu muodostaa jalkeilla, joten polveutua aika te panna jalkeilla, kimmoisuus sinun koira aikamoinen halaus ja mahti koska kummuta heilahdus jokin-lta sinun aamu rutiinin omainen ja arvioida enemmän aika ilakoida avulla se edes ajaksi muutaman minuutin ruokinta sen lempi ruokaansa tai aamiaista, tai hyväily sitä jonkin aikaa. South Bellmore eläin lääkintä ryhmä ehdottaa jättää TV auki niin, että se voisi katsella hyviä esityksiä ja välttää ikävystyminen, tai laittaa sen suosikki leluja lähistöllä. Te kanisteri kin erota se avulla hyvä musiikki ilakoida liepeillä, ja joka aika te panna koti-polveutua aikaansaada/koulia, esitellä sinun koira sinun lempiä ja kimmoisuus se aikamoinen halaus jälleen.

Se on harkittu koska kummuta jotta sisu ulkona ajaksi rajoitettu eli lyhytfilmi erä-lta aika aikana sinun aika offs joten että sinun koira jälki säädös muodostaa luulo että aikana jokin days-lta työviikko, sinun ' johtuen koti-pikemmin kuin tavallinen, ja kaihtaa ajatteleva kanssa ankara ja olla erittäin yksinäinen. Ja koska se on sinun vapauttaa aika, hän ei ajaa sinun koira ajaksi astua jotta puisto ja ainoastaan hellittää ala-puu ja olla heittää model after hävytön Nurmi. Katso, että olet myös seurata sen terveyttä ja säilyttää tasapainoisen ruoka Valion asianmukaista liikuntaa.

Tokko sinun koira has ahdistuneisuus, osata että se on aivan altis, joten kaihtaa ehtiminen kiukkuinen aikaa se ja ehkäistä piittaamatta sen läsnäolo. Te kohottanut sinun koira koska sinun parhaiten kaveri, joten olla avulla se edes aikana sen ankara silloin tällöin. South Bellmore eläin lääkintä ryhmä ehdottaa pitää se kurin alainen käyttämällä muita tapoja, jotka eivät vahingoita sen tunteita kuin antaa se kohtelee, kun se seuraa tilauksesi. Te erikoiskieli ' helposti eliminoida sinun Vintti koira kilpailut ' ahdistuneisuus kohtuullinen kuin maaginen koska youll ' kaivata auttaa-lta toinen ihmiset liepeillä te ja arvonmukainen lääke hoito kimmoisuus luona ammatti mies, ja-lta elämän suunta sinun omistautumista jotta parantaa sinun Vintti koira kilpailut ' mielen terveys.

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Raising a dog as an added member of the family can be a life-changing journey. From being an adorable and little animal into a strong and huge yet dependable and loyal pet is something you will really look forward to each day. Your dog can also be your best friend where you can watch TV together, eat your favorite foods or simply play around your house. But you and your dearest pet should take some time to go outside as well to enjoy different scenery.

Take your dog for a walk and go into a park, and South Bellmore Veterinary Group can assure you that both of you will definitely have some fun and relaxation time. Together with your dog, take advantage of the good weather, fresh air, green grass and trees, and the beautiful flowers in the park. But enjoying the park’s setting is not enough, you should also add some activity that will let your pet play, exercise or socialize with other animals and people. Expect to see changes in the physical and mental conditions of your dog if you’re going to do those kinds of activities often.

As the owner of your pet, it is your responsibility to make sure of the healthy condition of your dog whenever you’re going to the park. You need to conduct proper supervision to protect its well-being. Think of it as if taking a child to the playground where you will let him or her play around but you’re also keeping an eye on his or her movements.

South Bellmore Veterinary Group prepared this post to help you better protect your partner each time you decide to go to the park together. Make sure that your dog is safe all the time, and it is also living the moment and genuinely having fun.

Step 1: Keep away from distractions

You don’t want your pets to get lost so better keep the majority of your attention on them. Don’t let anything caught your full interest and be absent-minded on your responsibility. You must not lose track of their movements so always keep your eyes on them. If there’s an unexpected or foul incident, watch the body language of your pet and calm their behavior if necessary. If you notice some animals or people were bullying your beloved dog, then leave your current spot and transfer to another side of the park and enjoy different things instead.

Step 2: Leave your dog’s toys at home

While carrying toys with you might become an issue, you can still bring tools necessary for some basic training of your dog. Incidents regarding fights because of toys were sometimes the case for dogs and other animals at the park. Some may like the toy of your pet and then become possessive over it and a fight may arise because your dog might become overly protective over its plaything. You might witness tug-of-war or worse, a wrestling between them. Don’t wait for the incident to become severe and stop their playtime once your notice unwanted behaviors like neck biting, excessive barking, pinning another dog down, or snapping at other animals.

Step 3: Provide proper medication

Nowadays, different diseases and parasites roam in our environment. We can’t avoid the fact that with the innovative changes happening to our surroundings, it is also giving birth to things that could threaten the health of both humans and animals. But with the right medications, you can maintain and protect the good health of your pet and keep them away from harmful pests or diseases. In the case of your adorable puppies, it is advised to leave them at home until they got all the needed vaccination shots. On your grown-up dogs, see to it that they’re up-to-date with their vaccinations.

Go to your vet and seek his professional advice about the proper vaccinations needed for pets that often go outside. This can help your pet have a good shield against dangerous bacteria such as Bordetella and Leptospira bacteria.

Going to the park can create little yet fun adventures for your pet. But always remember that having fun outside also requires you to safeguard the wellbeing of your dog and with this post, South Bellmore Veterinary Group look forward to a safer trip of you and your dog to the park next time.

 

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You can feel at peace knowing that you have a pet companion beside you to spend quality time together especially if you’re living alone. Both of you surely enjoy any activity as long as you’re together, be it watching TV, eating your favorite foods or playing inside your home. However, you also need to take your pet outside every now and then for some change in surroundings.

The group of South Bellmore Veterinary Group is certain that you will surely enjoy your time together in a park in your neighborhood. Experience that good weather, fresh air, green grass, and trees, along with the beautiful flowers at the park. Don’t miss the chance to give a good experience to your pet, so let them play, exercise or even socialize with other animals and people. With those kinds of activities, your dog will surely exhibit physical and mental developments.

But bringing your pet to the park includes good supervision on your side as its owner as well. Indeed, you are in such a place to spend time together and enjoy each other’s company but don’t forget to also protect one another. Watch over your pet and make sure that it’s always in good condition.

South Bellmore Veterinary Group loves the idea of taking your pet to the park and having fun together, but the group requires you to guarantee the safety of your dog and with this, the following was made to help you protect your cherished companion all the time.

Tip #1: Don’t get too distracted. You must not let go of your dog if you’re not into the task of keeping away yourself from distractions. Your dog is your responsibility so never take your eyes away from them for too long. Monitor their body language as well and if something seems off, then calm their behavior and if there’s an occurrence of bullying, then take your pet away from those animals or people who are making fun of your dog.

Tip #2: Keep your pet’s toys at home. You can bring its tools for basic training but bringing with you the toys the pet loved might, unfortunately, result in some misunderstandings. We can’t avoid circumstances where other animals will also have a liking to your pet’s toy that could eventually lead to a fight because your dog might become too protective over its plaything. Some animals might become aggressive in stalking or being possessive over the toy so sadly, seeing tug-of-war or wrestling between them is very possible. You must put a stop to their playtime in case of unruly behaviors such as neck biting, excessive barking, pinning another dog down, or snapping at other animals.

Tip #3: Ensure right medication. You can’t stop the spread of a few infectious disease and parasites in the environment, but you can protect your pet against those that pose danger to its health. Give your dog proper medications to stay away from heartworms, fleas, and intestinal parasites. Your puppies should stay at home until they have taken all the needed vaccination shots, while your dog must be up-to-date with its vaccinations. Going outside can expose your pet to some diseases so ask your vet about the right vaccines to help lessen or even eliminate the risk of diseases that were especially found outside. Specifically, consider having your pet take Bordetella and Leptospira bacteria vaccinations.

You can create little adventures with your pet even in the park. But South Bellmore Veterinary Group would like you to keep in mind that with enjoyment comes also the responsibility to protect the health and safety of your dog.

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From being a cute little being into a big and strong animal, watching your pet grow is really a wonderful journey. Similar to humans, senior pets need more attention, care, and love. The progress made in veterinary medicine made it easier to achieve longer and better lives for your pets. Understand that as time passes, changes were necessary to ensure the good health of your loved animals.

The pet’s genetics, diet, and environment are some of the factors to consider in ensuring the healthy aging of your pets. Telling whether the pet belongs to the senior group or not depends on some indicators, and one is if the pet is 6-10 years old or 11-14 years old for cats. Give your pets with wisdom and affection all the time as well so that they will live longer.

You can maintain the healthy condition of your older pets and this post prepared by South Bellmore Veterinary Group will help you. The first thing that you need to make sure of is the regular checkup of your pet to its vet. You are still advised to have your older pets go through checkups at least twice a year even though they look very healthy. You can see obvious changes on pets once they got older and it can be about their age or disease-related. You will notice a decrease in activity and reduced vision and hearing, along with an increase in sleeping on senior pets. And when it comes to diseases, early diagnosis can prevent minor or major diseases such as kidney or heart disease, diabetes, arthritis, cancer, dental problems or cognitive dysfunction.

With the skills of your trusted vet, he will notice if there were subtle changes in your pets which can also mean some health problems since pets are often very good at hiding pain and illnesses. You should be quick in noticing if there are changes happening to your senior pets and contact your vet once you notice a few changes in your pet’s behavior, energy level, appetite, thirst, toilet habits or mobility.

Second, give your pets a proper diet. Both humans and animals need to maintain a well-balanced diet in order to stay healthy. Experts suggest high-nutrient, easily-digested foods especially to senior pets because this age group have a slower metabolism and need fewer calories. You can ask your vet for a list of quality pet food brands, ingredients or some formulas that can help improve the medical condition of your older pets.

The third is looking after the weight of your pets. If you’re giving the proper amount of nutrition to your pets then their healthy weight is guaranteed. As much as possible, overfeeding shouldn’t be done on your senior pets because this can increase the risk of cancer and other diseases and this can as well put stress on your pet’s joints and even shorten their lifespan. You and your vet should make sure of the proper monitoring of your pet’s weight every checkup.

The fourth highlights the pivotal role of physical activity. You don’t need to make your pets do extreme activities to tell that they’re doing proper exercise, even mild activities are enough especially for older pets. You can have short walks with them, swim with your dogs or simply play with your cats. Physical activity is crucial to ensure a healthy weight and heart and slowing joint degeneration. When your pets seem tired, quickly stop the activity since you don’t want to put a lot of burden on them, right? Their mental health, on the other hand, is also as important as their physical health. South Bellmore Veterinary Group suggests making sure to do regular mental exercise as well that may include interactive toys or food puzzles.

Fifth is about their oral health. You also need to put attention on the dental hygiene of your senior pets. You don’t want them to have gum disease, infection, and other related diseases, right? So whenever you visit your vet, see to it that he does some professional cleaning to your pets. You should do in-home brushing too in between cleanings.

Our sixth important thing to remember is that animals need comfort and safety. Put aside dangerous objects on the path of your senior pets. You can install baby gates to ensure their safety whenever you leave them at home. Place all their basic needs downstairs if they are having a hard time climbing the stairs or if the pet has arthritis. You may also consider putting stepstools or pet ramps. Make the litter boxes reachable to your older pets as well, and create a soft sleeping place for them too with more blankets or heated pet bed.

Lastly, send your love to your pets through physical touches. You can give them a good belly rub or a gentle massage. Spending quality time together doesn’t need to be expensive or requires a lot of time, grooming them yourself can be enough bonding time. Don’t forget to give them big hugs whenever you got home from work or school since according to South Bellmore Veterinary Group it would mean a lot to your pets. Show your affection through simple things.

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Your pets deserve the best care so you should entrust them to a trustworthy vet, and find the right one that suits the needs of your pets should involve a careful process. Don’t choose a random vet in your area without knowing its service and other important things to consider. Your pets are important members of the family so it’s given that you will spend some time and patience in finding a good vet for them to ensure their good health and longevity. This is similar to finding a good family doctor for you and your family members.

The vet group that has been known in Long Island for providing trusted pet care, South Bellmore Veterinary Group understands your concern for your pets so to give some guidance in your search; the following pointers were prepared by the group for you to remember:

Compatibility: You need to find a vet that matches your pet’s needs and your lifestyle. Learn about the vet’s training and style to see if those were well suited on your beliefs and on guaranteeing the best health for your pets. The veterinarians also have specializations in different areas such as dermatology, nutrition or integrative medicine. If ever you’re currently taking care of an exotic animal, be sure to choose a vet that has a special training on that kind of pet. Veterinarian medicine had taken different paths in making sure of the good health of pets where it can now consist of holistic care, acupuncture, and raw food diet. You must be careful as well in cooking foods at home for your pets, and the professional guidance of a vet with a nutrition background is highly recommended.

Convenience: As people say, “the more the merrier”. If the vet offers a lot of convenience for you and your pets like the South Bellmore Veterinary Group, then the greater benefit you can get. Your priority could be a place that is close to your home or work and has weekend and evening hours, or you might consider it important as well to have a place that offers book appointments online and drop-off care. It would also be much better if the place is available for emergency care.

Comfort: You and your pets should feel comfortable with the vet and his clinic. You might notice that a lot of animal hospitals and offices implement “fear free practices” these days, for example, a special waiting room was made for cats, or the staff use pheromone plug-ins or sprays to calm down the pets. Many believe that a strong, positive relationship with the doctors, vet techs, and front office staff would create more understanding and better care for your pets, so build a family with the members of the vet group you choose.

Services: Find out about all the pet care service each vet candidate on your list offers. Your criteria may be different from others, so think carefully on what service you especially wanted for your pets. You may find it very important for an animal hospital to offer prescription refill by mail, boarding and injectable and flavored medications, or to have the best dental care equipment. One of the rising areas in this field is dentistry since a lot of physicians had taken interest on it since the past few years so it won’t be surprising to find many of them doing more dentistry and dental procedures today. Your priority can be a place that provides vaccines and a complimentary dose of heartworm medication for a new puppy or kitten as well. Remember that a good vet also has a connection to a puppy trainer and can direct you to him.

Do a proper research yourself since South Bellmore Veterinary Group believes that if you put a lot of effort in finding the right vet for your pets, you will eventually end up with a trusted vet care service that will really take care of your pets. You can use the testimonials or reviews available online as a guide but never solely depend on them. Visit the vet and witness how the physician looks after the pets and how the pets respond to him and do they feel comfortable with his care. Make sure to find out if the office provides overnight boarding and if it has good preventive care plans or insurance resources.

 

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Wanting to give their animals the best is only natural for pet owners and as one of them, choosing the right vet for your loved animals should involve a careful process. Never select one with just a random thought because the vet might not suit your pet’s needs at all. You need to invest time and patience in looking for the right vet to entrust the wellbeing of your pets. View this process as similar to finding a good family doctor for you and your family members.

South Bellmore Veterinary Group prepared some basic steps to help you in looking for a good vet for your pets. The group provides quality pet care in Long Island and has been trusted by many pet owners for quite some time now.

Step 1: Find the vet that suits your lifestyle

Your decision should consider your current lifestyle and your pet’s needs. Find out about the style and training of the veterinarian and see if those matches with your beliefs and with the needs of your pets. You can also find the different areas of specialization of veterinarians interesting wherein some concentrates on dermatology, others on nutrition or integrative medicine. Exotic animals need extra or special care so if you have one, choose a vet that has a special training for that kind of animal you have. The scope of veterinarian medicine continues to expand and it now includes practices such as holistic care and acupuncture, together with implementing a raw food diet in ensuring the best health for the pets. If you love cooking food for your pets at home, you need to be careful and get the professional advice of a vet with a nutrition background.

Step 2: The more offered convenience, the better

Finding a vet like the South Bellmore Veterinary Group that offers a lot of convenience to pets and pets’ owners can provide a huge advantage and help to you. First, find a place that is close to your work or home and has a weekend and evening hours. It would also be great if the place provides book appointments online and drop-off care. Emergency care is pivotal as well but if it is not available at the place, then you should inquire if it has a relationship with other places that provide this particular kind of service.

Step 3: Make sure of a comfortable place

You and your pets should feel very comfortable with the vet and his office. Surprisingly, “fear free practices” has been used on different animal hospitals and offices which may involve of a special waiting room for cats and the use of pheromone plug-ins or sprays in calming down the animals. Similar to how South Bellmore Veterinary Group does things, you should also develop a long-lasting and positive relationship with the doctors, vet techs, and front office staff. Growing a family with the vet group of your choice develops a better understanding on both sides.

Step 4: Learn about the services offered

You can satisfy the needs of your pets in the hands of a vet that offers a pet care service which can give solutions to your pet’s specific concerns. You may choose an animal hospital that offers prescription refill by mail, boarding and injectable and flavored medications, or a place that provides the best dental care equipment for pets. Speaking of dentistry, this particular field has been a rising concern for a lot of physicians in the recent years where it is evident that many have been currently doing more dentistry and dental procedures. You may also prefer a vet that can offer packages with vaccines and a complimentary dose of heartworm medication for a new puppy or kitten, or a vet that can direct you to a puppy trainer since it can be an advantage as well. As stated earlier, the decision will always depend on your personal preference and what you think is the best for the kind of pets you have.

South Bellmore Veterinary Group still needs you to do a research online in choosing a good vet for your pets. Be unbiased when reading both the negative and positive reviews from different people about a certain vet group. It would still be better to see things with your own eyes and learn how the physician takes care of the pets and how the pets behave when they’re with the vet. Find out if the vet and his location provide overnight boarding and if it includes good preventive care plans or insurance resources.

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Soon-to-be retirees sometimes start to panic about increased market volatility in the months leading up to the end of their work lives. Here are a few tips on how to help steady your retirement investments from two financial planners.

 

Investors have been shaking off periodic stock-market jolts as the bull marches on, but what about those planning to retire in 2018?

 

Soon-to-be retirees sometimes start to panic about increased market volatility in the months leading up to the end of their work lives, and that’s easy to understand because many of them have read or heard how devastating a negative sequence of returns early on can be for a portfolio.

 

It can be equally nerve-wracking to get too conservative now, knowing the nagging lessons about how portfolios will need to survive longer life expectancies.

 

“I remind clients that retirement is not a finite point in time, it’s the beginning of a 25-plus-year time horizon,” said Harold Evensky, a financial planner and president of Evensky & Katz, a Coral Gables, Florida, wealth-management firm.

 

For those planning to call it quits next year, here are a few steps to help steady the ship from Evensky, who works with individual clients, and Wade Pfau, a professor at the American College of Financial Services, who wrote a book aimed at do-it-yourselfers called “How Much Can I Spend in Retirement? A Guide to Investment-based Retirement Income Strategies.”

 

Create a bucket. Many advisers create complex bucket strategies aimed at locking up specific dollars for specific years in retirement, but that’s not what Evensky advocates. He creates a simple two-bucket approach, putting a single year’s worth of cash reserves into one bucket, with the remainder of retirement investments in the other. The cash-reserves bucket for his clients is invested in short-term bonds, but individuals could explore high-yield savings accounts as well. It helps retirees psychologically to not have to pull grocery money out of the investment portfolio, he said.

 

Focus on a different number. Rather than obsessing over the daily fluctuations of a 401(k) balance as work winds down, spend time verifying the future return assumptions built into an existing nest egg, Evensky said. Currently, he projects that a portfolio invested in 60 percent stocks and 40 percent bonds today will generate just 2.5 percent in real return after taxes, investment costs and inflation. If your return assumptions are too rosy, now’s the time to adjust, he said.

 

Be flexible. Pfau recommends that retirees stay flexible about their withdrawals from retirement accounts, because with a little flexibility, most likely retirees will be able to spend more earlier in retirement than they would if they had to commit to a spending level that won’t change in response to market conditions. He lays out several academic spending strategies from various researchers.

 

One example, from adviser Jonathan Guyton, involves funding a cash-reserve bucket made up of proceeds from rebalancing the portfolio, starting with an initial spending rate of 4 percent of the portfolio and adjusting for inflation thereafter. In negative return years, however, there is no inflation adjustment. And if the withdrawal rate rises by 20 percent above its initial level and life expectancy is still more than 15 years out, spending takes a 10 percent cut.

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Your 20s were all about setting up your financial foundation and establishing good habits. Your 30s were about life changes like getting married, having kids, and building your career.

In your 40s, everything is amplified even more. You've got growing kids and aging parents — and what you don't have is a ton of spare time.

There's a lot you can do in your 40s to protect your money and care for your family before you begin thinking about retirement in your 50s or 60s. Here's what you should avoid:

1. Buying more house than you can afford

With your growing family, that starter home in a bad school district isn't meeting your family's needs anymore. Suddenly, you want more space for your kids to run around, and you want them to grow up in a neighborhood with lots of friends their age.

It's tempting to opt for more square footage, a larger yard, and an upscale neighborhood. But this means a bigger home loan, increased maintenance costs, and high property taxes.

After spending the first two decades of adulthood in rental apartments or condos (possibly with roommates!), it's natural to want a big, beautiful home to hopefully live in for the rest of your life. But beware of buying more home than you can handle. Houses aren't great investments, so you should be realistic about your budget and avoid tying up all your savings in your home.

2. Not having the right mortgage

Mortgage rates remain quite low (often under 4%, depending on your credit score, loan terms, and other factors). Consider refinancing if you intend to remain in your home for at least a few more years.

I'm a fan of refinancing to a 15-year mortgage. While a 30-year mortgage offers a lower monthly payment, it means you'll have a mortgage well into your 60s or 70s, which isn't helpful in retirement. Plus, you'll pay a lot more in interest.

How much more? Let's say you have a $250,000 loan. You can get a 15-year mortgage with a 3.14% interest rate and a monthly payment of $1,743. A 30-year mortgage would have a 3.81% rate and a $1,166 monthly payment. Spending nearly $600 less per month is appealing, but you'll actually spend $106,073 more on interest payments over the life of the 30-year loan!

As your cash flow situation changes, make sure you have the right mortgage for you. You can compare 15- and 30-year mortgages side by side using this calculator.

3. Overspending on your kids

A big way to keep up with the Joneses in your 40s is to pour your resources into your kids: tutors, travel sports teams, competitive dance troupes, private school tuition, summer camp … the list is endless!

It hard to say no to everything your kids' heart’s desire and you really do want to provide those things — not just because you love your kids, but because their friends' parents are your friends and neighbors, and there's pressure for you to fit in.

This is a good time to reassess your money values and teach your kids about creating their own value system. That way, the whole family is spending money and time on what really matters to each of you, instead of what your neighbors are doing.

4. Not saving for retirement because you're saving for college

Many parents I work with want to prioritize funding their kids' college savings accounts. It's natural to put your kids first, before yourself. That's good parenting!

However, I get concerned when parents forgo saving for their own retirement in favor of contributing to a college savings account for their kids. The reality is that your kids can borrow money for college, but you can't borrow money for retirement. You're setting your kids up to have to support you in your old age, right when they have young children of their own.

This can become a huge burden for them in the future. A true gift to your kids is to prepare adequately for your own retirement first, and then save for their college educations second.

Once you're in a financial position to contribute to college savings, consider a 529 Plan, which offers multiple tax benefits. Some plans give you a state tax deduction or credit, your contributions will grow tax-free in the account, and withdrawals for qualified educational expenses are also tax-free.

If your state of residence doesn't offer a tax deduction or credit, you can choose a plan from a state that does. You can research different 529 Plans available at savingforcollege.com.

5. Not having a big enough emergency fund

That $1,000 you stashed away at 22 might have cut it when you were only supporting yourself, but now you've got a family. The potential for unexpected expenses is high.

The stakes are higher, too. For example, when you're young and lose your job, you can float by for a few months by breaking your lease and moving back home. Imagine losing your job when you have a $3,500 monthly mortgage payment, two car payments, grad school debt, a stay-at-home spouse, and three kids!

Give yourself peace of mind. Keep 3-6 months of living expenses in your emergency fund and invest the excess in a taxable brokerage account which you could pull from if you were out of work for an extended period of time.

6. Not maximizing credit card rewards

If you use credit responsibly (meaning you have an excellent credit score and pay your credit card bills in full and on time every month), you're missing out if you have a no-frills credit card that doesn't come with rewards.

A bigger family comes with increased spending, so make that spending work in your favor. Rewards cards can earn you cash back or points that you can use for free or discounted travel. Some cards even include perks like statement credits for airline purchases or the fee for Global Entry.

7. Not doing estate planning

I've witnessed friends have to wade through their parents' complicated estates while grieving their loss. It's essential to create a plan for supporting your family if you pass away or are incapacitated and can no longer works.

Doing the work now will spare your spouse and children a lot of pain. Work with an estate attorney to create a will, and consider the best ways to leave money to your heirs or charitable organizations to minimize the tax burden on your estate. A financial planner is a great ally to have on your side as you worked through this.

8. Not protecting your money in the event of divorce

Unfortunately, divorce is a reality for many families, and it can be financially devastating, especially for women. This is why I think it's important for both spouses to be active participants in their family's financial planning. Too often, one spouse handles all the money — and the other spouse is in for some nasty surprises if the marriage ends.

If your marriage is at risk, keep a detailed inventory of your family's assets and hire a lawyer to help you understand how state laws can affect which assets you'd be entitled to.

There are financial planners out there who specialize in working with clients who are going through a divorce, such as CDFAs (Certified Divorce Financial Analysts). They can help you navigate through this tricky time.

9. Not talking with your parents about their finances

Just like it's important for you to set up your estate for the benefit of your children, it's essential to talk to your parents about their own estate.

The elderly are vulnerable to financial scams because they have the confidence of having managed their money for years, but don't necessarily understand modern money management. They also might be experiencing some cognitive decline, so it helps to have you on their side as they make financial choices.

Some parents tell their adult children too late that they don't have enough saved for retirement, or that they expect their kids to support them. I work with a number of clients who help their parents financially, but it takes some planning and budgeting to be able to do this without sacrificing your own goals.

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Ready to quit your day job? There's a trend among some personal finance gurus called FI/RE -- financially independent/retiring early. It means being able to reach a point where you have assets (investment accounts or rental property) that earn enough income to cover all of your expenses. In other words, you're rich enough to quit. 

 

But for most people, getting to financial independence means making some big sacrifices and getting very creative with their spending habits.

 

How to achieve financial independence

 

It comes down to how you save, spend and invest. Maximize your saving -- many of these people figured out how to save 50 percent of their incomes or more, sometimes by purchasing multifamily homes and taking on enough tenants to make an income. 

 

But the spending side is key as well. The author of the website 1500 days, Carl J. set a goal for himself to bring his assets to $1 million in that amount of time. On his site, he details the step he took to reach his goal: Being financially independent and finally leaving the job he despised by April of this year.

 

Carl readily admits that he was making a good salary (around $100,000) and that he had been maxing out his savings in a 401(k) account along the way. So he was almost halfway to the goal. But he managed to stock away a significant amount of money and achieves his objective by methodically tracking how much his family was spending and cutting away waste.

 

"I had no idea how much money we were spending," he told CBS MoneyWatch in an interview. "So we did start keeping track of our spending ... I opened up a Google doc and set up categories, going out to eat, bonus things like alcohol, vacations."

 

By cutting out excessive spending and revamping their lifestyle, he and his wife were able to save a significant portion of their incomes each year and invest the money instead.

 

Financial adviser Kyle Mast said he has more and more clients come in to ask about achieving financial independence earlier in life, and while it often involves being more creative to make it happen, it can be done.

 

"Have a high savings rate, low living expenses ... there's all kinds of ways to travel for free, save money on things like cell phones, just by doing a little bit of research," Mast told CBS MoneyWatch.

 

Invest to build your assets

 

But saving will only get you partway to your goal. It's crucial to make your money grow to the point where it can sustain you.

 

"Save as much as you can, but investing is hugely important and [you need to] figure out how to do it correctly," Carl said. He taught himself how to use personal investing apps as a way to increase the money he was saving.

 

Financial adviser Lucas Casarez said if people plan to retire early, it's important to do their research and realize how long they'll need that money to last. Remember, you don't want to outlive your retirement savings.

 

Be aware that if you're under 59½, you won't be able to take money from an account like a 401(k) without paying an early withdrawal penalty.

 

For those withdrawals, Casarez recommends using nonretirement investing accounts or a retirement vehicle like a Roth IRA, from which the initial contributions can be withdrawn anytime, tax-free. 

 

"Roth accounts are really fantastic tools as far as flexibility," Casarez told CBS MoneyWatch, "Any contributions to a Roth account can be withdrawn without penalty -- though you can't take out the earnings" without penalty.

 

That said, it's still a good idea to max out your 401(k) contributions while you're working. If you are saving for FI/RE that means up to the $18,500 annual limit not just meeting the employer match.

 

He cautions that with other types of investing accounts, "Try to mitigate capital-gains taxes. Know what's going to be considered income."

 

Challenges to consider

 

Keep in mind, even when you reach financial independence, it can be helpful to continue working part-time in your current line of work or take on a side gig to maintain an extra income stream or access to health insurance.

 

Health insurance is a big consideration. You won't be eligible to register for Medicare until age 65, so if you leave your job, you may need to purchase insurance in the private market -- which can be much more expensive than a plan you get through your employer, who helps shoulder the cost.

 

And though the idea of being able to walk away from a day job and not work again may sound like a dream come true, some financial experts caution people to take care when retiring from work completely, especially at a young age.

 

"The challenge is that if you're going to retire at age 40, you'll probably live until you're in your 90s and you're going to be pretty active," financial adviser Ryan McPherson told CBS MoneyWatch. "Work provides a tremendous amount of structure, social interaction, challenges and a sense of accomplishment," he said. "You can get bored and depressed very easily. Keeping yourself involved in full-time work or volunteering is very important."

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In trying to be smart with our money, sometimes we damage our long-term financial future. Here are some such common mistakes, and how to go about avoiding them.

 

We all intend to do the right thing with our money but sometimes our decisions and actions harm, rather than benefit, our financial situation. Typically this happens when you are in a hurry, or have not thought it through or not tailored a financial action to your specific situation. Here are some common situations where the end result may not be what you wanted, if you don’t take the trouble to do it right.

 

A budget too tight

 

You decide to streamline income and expenses to increase savings. But you overdo things and create a budget that may be designed to fail. The typical errors are to overlook tracking the expenses for a few months, so that you don’t know where you spend and don’t know your level of expense for each category of expense. Without this information, you could fail to allocate adequate resources for your expenses. These errors can derail your budget. A very tight budget, to save more, could prove to be unsustainable so that you may not be able to live with it. This would cause your budget to collapse, leading to your savings targets not being met.

 

If you are not used to living by a budget, ease yourself into it. Start by imposing broad upper limits. At this stage the focus should be on developing the discipline to account for expenses and to limit them. Once that happens, the next stage would be cutting the expenses, in a realistic manner. Don’t get discouraged if you slip a few times. You will learn with experience.

 

Going long term too early

 

You realize the importance of accumulating funds for long-term goals and start putting all your savings into provident fund or other long-term investments. This would be a good decision if you have taken care of liquidity and have an emergency fund. Long-term products typically have restrictions on withdrawals. Growth-oriented investments, such as equity, have volatile values that may mean that you incur a loss if you had to redeem them at short notice.

 

Thus, providing for long-term goals is good if you have made provisions for immediate liquidity needs. Build an emergency fund and invest for short- and medium-term needs along with long-term goals. This will ensure that your long-term goals are not put at risk by a need that was overlooked.

 

Saying no to debt altogether

 

You may think that you are protecting your finances by staying away from debt completely. But it may not be so. You may need to take on some debt to meet goals like buying a house. You could choose to stay on rent, but that comes with the risk of inflation pushing rentals beyond your means. A mortgage would also come with tax benefits, which would lower the cost of debt.

 

Having some amount of debt also means that you can demonstrate responsible debt behavior to get a good credit score, lack of which can result in higher costs if you need a loan urgently.

 

However, include credit and debt into your finances with discretion. Use debt to leverage your finances. Use facilities like credit cards for regular expenses, to built a credit history.

 

Penny wise pound foolish

 

Very often, we focus on one aspect of a decision and ignore its larger impact. Very often we end up cutting costs by cutting corners. For example, if you buy a durable good that is cheap but of poorer quality, you could end up paying more due to frequent replacements. There are also decisions you may consider clever now, but which could cost you dear later. These could include: avoiding insurance, believing that premiums are a waste of money; not maintaining an emergency fund believing that keeping funds in liquid but low-earning products is under-utilization of money; adopting a do-it-yourself approach, believing that paying an adviser is a waste of money. Not to forget: holding all your funds in low-risk products that earn low returns, ignoring the impact of inflation. 

 

Standing guarantee for others

 

Be sure of financial standing of the person for whom you are standing guarantee in a loan or giving an add-on credit card to. This act of kindness can damage your own finances. You would be responsible for the repayment if a primary borrower defaults on the payment. You could be saddled with repaying a loan that you neither benefited from nor can bear the burden of. Your credit score will be affected by this loan, and you may even find it difficult to access credit when you need it. Excessive spending on an add-on credit card too will strain your finances, apart from affecting your credit history and score.

 

Keep in mind the consequences to your own financial situation before you seek to offer financial assistance to others. Consider if the primary borrower can service the loan herself without difficulty. Give due consideration to your own ability to bear the stress if the obligation passes to you. Similarly, to protect your finances, consider the option of footing the family member’s credit card bill up to a reasonable amount instead of giving an add-on credit card. The person is then liable for all actions and omissions on the credit card and your responsibility is limited to the amount you have offered to foot.

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