Protecting Your Equine Investment with Sufficient Coverage

id-100433232Horses can be expensive investments to care for and maintain. Along with buying hay, alfalfa, and feed for your horses, you also must invest in their care and wellness. When your horse suffers an injury for which surgery is required, you may not have a lot of money to pay for the procedure out-of-pocket. You may help defray costs by purchasing coverage like horse business liability insurance or another pet care policy. The coverage may reduce what you have to pay and also protect your horse if a factor beyond your control causes the injury.

Finding Coverage Right for Your Horses

When you shop for the policy, it is important that you find one that offers the coverage that you need to protect your equine business. As noted, horses can be expensive to take care of, especially if they have to undergo surgery. You could face a vet bill that costs thousands of dollars.

Just as you would protect your health and that of your family, you may find that a policy for your horse can be ideal for defraying some of the costs of the surgery. The policy could pay a significant portion of the bill and leave a minimal amount left over for you to cover. It also allows you to keep more money in your operating budget to put back toward the care and upkeep of the rest of your equine herd.

The policy could also be useful in case the horse dies during or after the procedure. Along with losing a pet, you also lose an investment in your farm. The loss of a horse takes a toll directly on your profit and cash flow. The coverage could help you recoup some of those losses.

Learning More

Before you buy a policy, you may want to do some additional resource. The insurer has a blog available where you can read about topics related to protecting your horses or buying coverage. The topics may give you insight about details about which you have never previously thought.

Likewise, you can use the links on the right side of the page to learn about protecting your horses and other farm animals, even your working dogs. This insurance could allow you to run your farm without paying a lot out-of-pocket for the animals’ medical upkeep.

Horses are a worthwhile but costly investment. You can protect them with beneficial horse insurance.


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Online Coupon Codes: Ways a Little Know-How Can Save You a Lot of Money

It can be expensive to be a shopper.  However, let’s face it; being a consumer is fun and the cost of (most) things won’t stop you from pulling out your wallet.  Yet that doesn’t mean you shouldn’t save money when you can, especially if saving more means you can buy more!  Many people shop online these days.  It’s fast, convenient, and safe.  But before you checkout, be sure you have a coupon code.  Here’s how to find codes so you can save a lot of money.


Start at the Source

It makes sense to start at the source, the retailer or manufacturer’s website, to find coupons on sought goods.  The manufacturer’s website may be glossed over when comparing prices.  You may go to a site that offers the lowest price, yet you’ll want to check the original brand’s website too.  If they offer a coupon code, they may host the lowest prices after the discount.

Find Coupon Sites

Alternatively, some sites offer coupons on an array of products and services.  Use the on-page search box to find discounts on brands, products, or particular models.  For example, at the GrabOn site, you can find savings on electronics, home goods, kid toys, and more.  Use a paytm coupon code to unlock lower prices on sought items.  Many of these sites partner with manufacturers or retailers, so you won’t find the coupons in other places on the web.

Follow Retailers on Social Media

Retailers are always asking advocates to ‘like’ and ‘follow’ them, and if you’re a repeat customer, it’s well worth it.  Retailers post coupon codes and other information so loyal followers can save money and learn firsthand about upcoming sales.  Sometimes it pays to check Facebook pages or see what brands are tweeting about.  Get info on sales, promo codes, and giveaways.

Sign-up for Email Alerts

Signing-up for email alerts is akin to following brands on social media.  Yes, many consumers dread getting emails from retailers; no one wants their email account filled with spam.  However, saving on wanted goods and services is well worth opening an email.  If you’re worried about getting too much email, use filters to place retailer information in a separate inbox.

Call Customer Service

Most associate calling customer service with a need to make a complaint, reverse a charge, etc.  However, have you ever thought about calling customer service to tell them how much you like a service, product, etc?  Most brands like to hear from their advocates.  It’s not a given, but in some cases they may send you a coupon code or free samples due to your special interest in the brand.  Alternatively, you can contact customer service to learn about existing coupon codes on wanted items.

Visit Stores

Online isn’t the only place you can find information leading to online savings.  Brick and mortar locations may present coupons in exchange for in-store purchases or for coming to a store-related event.  Alternatively, in-store lists may be the only way to get on a ‘VIP email list.’

Luca Quinn is not shy to admit that she is a couponer! She has always been frugal and loves saving money on everyday purchases as well as larger one-off items. She shares her secrets online.

How to Stop Wasting and Start Saving

Money seems to take-on a life of its own, at times, prompting spending and debt you could easily avoid. What is behind this powerful phenomenon, which consistently drives consumers toward ill-advised purchases? The answer may be as unique as the individuals spending the money, but there is no denying our collective penchant to squander cash.

In some cases, money is no object, so spending is governed by personal preference, desire, and commitment to possessing the latest and greatest objects. For most people, however, these ideals must be mitigated, in order to align spending with household income limits. One prudent path toward long-term financial health: Stop wasting money.

Waste Runs Rampant across Personal Budgets

Financial management is a balancing act, striking harmony between available resources, and the things you want and need. Reining-in discretionary spending is one way to create the balanced budget you need, if you intend to stay in the black. An approachable first step for those committed to saving money is to evaluate spending, with an eye toward waste. You may be surprised how much of your cash flow falls into this category, furnishing fertile grounds for financial improvement. Consider the following examples – do any of them apply to your personal circumstances?

Are you contracting too many services? – Life’s routine includes countless tasks, which must be continually undertaken – often repetitively. And while some are agreeable – even enjoyable, others become chores we’d rather not engage in. In these cases, temptation prompts many people to contract the services to outside providers. When this represents an affordable piece of your budget, it might be chalked-up to affluence and personal comfort. However, if you don’t have the money to cover costs, paid services deserve a closer look.

Do you pay a neighborhood kid to mow your lawn? Able-bodied individuals should forgo the practice of paying for yardwork, instead using it as an opportunity to save money and get some exercise. Are you prone to pick up carryout, rather than producing meals at home? This convenient indulgence takes a task off your plate, but the cost of prepared meals is exorbitant, when compared to self-inspired fare. If you are tethered to takeout, consider cooking instead. Your meal budget will immediate reflect savings.

It is up to each person to draw their own line – sometimes tied to motivation and ability. Saving money by doing your own home improvements is a windfall, for example, until you end up paying a contractor to repair your mistakes. Be realistic about what makes sense to tackle on your own, but don’t be afraid to learn new, money-saving skills.

Do you use credit wisely? – Modern consumers have access to many forms of credit. This double-edged sword provides for families when money is most needed, but it also opens the door to mismanagement, which can lead to financial difficulties. Loans and other forms of credit serve vital functions – even short-term financing, which can be beneficial for pop-up expenses. The key to prudent fiscal management is not eliminating the use of financing altogether, but instead finding a workable cash flow balance. Automatically placing charges on your credit card, rather than paying cash, for example, can lead to undue waste. To limit wasted interest payments and card fees, use cash on hand to make everyday purchases, whenever possible.

Is there sound reasoning behind your spending decisions? – Impulse buys are contrary to your money-saving mission, so leave them by the wayside as you cut financial waste. Too often, buyer’s remorse cannot be remedied, so money goes down the drain with impractical purchases. As a rule, separate yourself from impulsiveness, waiting at least 15 minutes before buying an item that has caught your eye. Build-in considerably more time for reflection when contemplating major purchases, or run the risk of buying the wrong car, for instance.

What is your weakness? – Unfortunately, that which we love the most can be a source of financial waste. Drive thru coffee drinks, for instance, and other minor indulgences seem harmless, yet add-up to significant spending. As you turn your attention toward reduced waste and subsequent savings, evaluate life’s luxuries, for their impact on your family budget. You may find room for occasional extravagances, but it is important to be realistic when pleasure spending goes too far.

Eliminating – or at least reducing – personal financial waste is a wise first-step toward better cash flow. With commitment and dedication to improved financial fortunes, it is possible to shave wasteful spending, without feeling the pinch.

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How To Save On Kids Clothing

Children’s clothing is often one of the biggest expenses that parents have to plan for and with good reason. Children are growing constantly and the clothes that fit them one week might be too small the next. Then, there are the parents who insist on purchasing designer apparel, gear and expensive sneakers for their little ones.

But when you find yourself looking to save money on your children’s clothing and need additional tips, this list of helpful hints is here to provide the necessary assistance!

Clearance Racks and Coupons

Don’t fall into the trap of buying clothes for your children from the front of the store and paying full price for them. Most stores offer promotional coupon codes that can be shipped directly to your e-mail address, providing you with the heads up you need. There are some pretty great coupons for Nordstrom you can make use of and save a lot. When you do decide to head to the clothing store, be sure to head to the back and sift through the clearance rack. Clothes that were needlessly expensive before are often marked down significantly.

Buy Out Of Season

Planning ahead is crucial. Instead of waiting until the dead of winter to purchase coats, hats, sweaters and the like for your children, purchase these items during the spring and summer, when they are likely to be much, much cheaper. The same goes for your children’s summer items, which can usually be purchased during the winter months at a deep discount.

Teach Them To Share

While you are not going to put your son in a Princess Jasmine shirt or force your daughter to wear a monster truck sweatshirt, your kids can definitely share certain basic clothing necessities with minimal muss and fuss. Products such as boots, jackets and snow pants can be purchased with the intent of being used as community items, as opposed to being the individual property of one child in particular.

Purchase Play Clothes

Do not allow your kids to wear their nice school or church clothes while they are going to be playing outside or horsing around with friends. While buying play clothes might cost a little bit more initially, it will save you major money in the long run, when you are not doling out significant funds to replace torn jeans, busted sneakers and stained shirts.

Hit Up Garage Sales

You may already be familiar with garage sales, as they provide a great place to save money on children’s toys and books. But did you know that there is also a wealth of clothing to be found there, as well? There are sites such as Yard Sale Search that can provide you with information about the upcoming sales in your region, allowing you to get a jump on your competitors and find the best deals as soon as possible.

Credit cards: Good For Your Finances

We’re all looking for ways to save and get wise with our spending these days. So why would using a credit card to spend, transfer and borrow money over a period, be good for our personal finances? If you take some time out to do the math, it’s possible to see the positive impact sensible borrowing can have. Let’s take a look at some reasons why you might need a credit card in your purse…

Cash back

Number one on our list is the cash back reward for paying off your bill each month. Check on one of the comparison sites to get information on credit cards and see which credit card providers offer this feature, and whether they pay out monthly or annually.


On a similar note, some credit cards offer rewards in the form of vouchers. This works by accumulating points with each dollar you spend on your card. Vouchers can usually be ‘purchased’ with a set number of points for a set monetary value.


Another of the great benefits of credit cards comes with those offered by a particular brand. This might be your favorite retailer or airline, for example. With this type of credit card you get discounts on purchases with that brand. Just be sure there are no hidden card purchase charges to reduce the return.

Credit score

Most people would never think that increasing your credit score could be on the list of the advantages of credit cards. But with sensible spending, it’s actually true. Clearly, if you’re the sort of person to run up huge bills across several cards that you can’t pay off, this isn’t going to look too good to those interested in lending you money for a mortgage. But if you’re sensible and your payment history demonstrates that you regularly pay off your bill on time, it’s actually a good way of demonstrating your reliability. Having no credit card can be harmful to your credit score.

Theft and loss protection

Finally, spending with credit cards means you get protection against theft or loss of your wallet. If you carry cash, it’s unlikely you’ll see any of it again. If, on the other hand, you tend to pay with plastic (and you haven’t been fraudulent or negligent) the majority of card providers will cover most of the loss on the card.