Puppy Leaks

Your pet is a part of your family, and you'd do anything to keep your fluffy friend happy and healthy.

Sure any trip to the vet is expensive, but if your pet is usually healthy, you've probably just paid for their occasional medical care out of pocket. If you've never even considered pet insurance, you're not alone. While around 68% of U.S. households own pets, only 1% of those pets are insured, according to the North American Pet Health Insurance Association (NAPHIA). But what would you do if your pet had a sudden medical emergency, racking up medical bills into the thousands?

A recent survey by the Associated Press found that 41% of pet owners are worried they could not afford the medical bills for a sick pet. Petfinder estimates the annual cost of routine vet visits is $45-$200 for dogs and $50-$400 for cats, but emergency vet visits can cost up to $2,000, sometimes more. If you couldn't bare to leave your pet untreated in the case of an unexpected health issue, but a $2,000 vet bill isn't in your budget, maybe pet insurance is something you should consider.

Pet insurance is actually not dissimilar from human health insurance. According to Penny Hoarder, like health insurance, when buying pet insurance, "You can choose from different levels of coverage, with each plan costing a monthly or annual premium based on how much coverage you choose."

Plans differ pretty dramatically in what they cover, and while some cover basic scenarios like accidents and injuries, others only cover accidents. Some of the most comprehensive (and most expensive) plans include accidents, injuries and genetic/hereditary conditions. But is an extra monthly fee worth the peace of mind?


Pet Life Today

Veterinarian Jean Maixner, co-owner of Animal Critical Care & Emergency Services in Seattle, thinks it is. "If you get the right policy, it can be an asset to the health care of that pet and have a significant impact on the bill that results from a visit in an emergency situation." She goes on to say that, "Some people can't afford the treatment so they ask us to euthanize their pet. It's absolutely horrible,If people had acquired pet insurance before the emergency occurred, they might have been able to move forward with some reasonable treatment to help their pet."

But while pet insurance may serve as emotional comfort, evidence suggests it just doesn't make financial sense. In an attempt to find a definitive answer about whether pet insurance is worth the cost, Consumer Reports compared the cost vs. payout of nine pet policies for a healthy 10-year-old beagle named Roxy. The vet bills over Roxy's life time came out to a grand total of $7,026. In every case, the total premiums that would have been paid to each of the ten insurance companies were higher than Roxy's medical bills.

But, you may still be wondering, what if Roxy had faced a major medical event, would the insurance have been worth it then? Even in that case, the magazine found, probably not.

Instead, to prepare for the event of a catastrophic medical bill for your pet, we recommend putting aside the money you would have used to pay an insurance company each month and creating a savings account. That way, if your pet lives a healthy life and never needs major medical intervention, you haven't wasted your money on an unnecessary policy, but you're still prepared should something happen to your furry best friend.

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Over two years into the most momentous event in our lives the world has changed forever … Some of us have PTSD from being locked up at home, some are living like everything’s going to end tomorrow, and the rest of us are merely trying to get by. When the pandemic hit we entered a perpetual state of vulnerability, but now we’re supposed to return to normal and just get on with our lives.

What does that mean? Packed bars, concerts, and grocery shopping without a mask feel totally strange. We got used to having more rules over our everyday life, considering if we really had to go out or keeping Zooming from our living rooms in threadbare pajama bottoms.

The work-from-home culture changed it all. Initially, companies were skeptical about letting employees work remotely, automatically assuming work output would fall and so would the quality. To the contrary, since March of 2020 productivity has risen by 47%, which says it all. Employees can work from home and still deliver results.

There are a number of reasons why everyone loves the work from home culture. We gained hours weekly that were wasted on public transport, people saved a ton of money, and could work from anywhere in the world. Then there were the obvious reasons like wearing sweats or loungewear all week long and having your pets close by. Come on, whose cat hasn’t done a tap dance on your keyboard in the middle of that All Hands Call!

Working from home grants the freedom to decorate your ‘office’ any way you want. But then people needed a change of environment. Companies began requesting their employees' RTO, thus generating the Hybrid Work Model — a blend of in-person and virtual work arrangements. Prior to 2020, about 20% of employees worked from home, but in the midst of the pandemic, it exploded to around 70%.

Although the number of people working from home increased and people enjoyed their flexibility, politicians started calling for a harder RTW policy. President Joe Biden urges us with, “It’s time for Americans to get back to work and fill our great downtowns again.”

While Boris Johnson said, “Mother Nature does not like working from home.'' It wasn’t surprising that politicians wanted people back at their desks due to the financial impact of working from the office. According to a report in the BBC, US workers spent between $2,000 - $5,000 each year on transport to work before the pandemic.

That’s where the problem lies. The majority of us stopped planning for public transport, takeaway coffee, and fresh work-appropriate outfits. We must reconsider these things now, and our wallets are paying

the price. Gas costs are at an all-time high, making public transport increase their fees; food and clothes are all on a steep incline. A simple iced latte from Dunkin’ went from $3.70 to $3.99 (which doesn’t seem like much but 2-3 coffees a day with the extra flavors and shots add up to a lot), while sandwiches soared by 14% and salads by 11%.

This contributes to the pressure employees feel about heading into the office. Remote work may have begun as a safety measure, but it’s now a savings measure for employees around the world.

Bloomberg are offering its US staff a $75 daily commuting stipend that they can spend however they want. And other companies are doing the best they can. This still lends credence to ‘the great resignation.’ Initially starting with the retail, food service, and hospitality sectors which were hard hit during the pandemic, it has since spread to other industries. By September 2021, the US Bureau of Labor Statistics reported 4.4 million resignations.

That’s where the most critical question lies…work from home, work from the office or stick to this new hybrid world culture?

Borris Johnson thinks, “We need to get back into the habit of getting into the office.” Because his experience of working from home “is you spend an awful lot of time making another cup of coffee and then, you know, getting up, walking very slowly to the fridge, hacking off a small piece of cheese, then walking very slowly back to your laptop and then forgetting what it was you’re doing.”

While New York City Mayor Eric Adams says you “can't stay home in your pajamas all day."

In the end, does it really matter where we work if efficiency and productivity are great? We’ve proven that companies can trust us to achieve the same results — or better! — and on time with this hybrid model. Employees can be more flexible, which boosts satisfaction, improves both productivity and retention, and improves diversity in the workplace because corporations can hire through the US and indeed all over the world.

We’ve seen companies make this work in many ways, through virtual lunches, breakout rooms, paint and prosecco parties, and — the most popular — trivia nights.

As much as we strive for normalcy, the last two years cannot simply be erased. So instead of wiping out this era, it's time to embrace the change and find the right world culture for you.

What would get you into the office? Free lunch? A gym membership? Permission to hang out with your dog? Some employers are trying just that.

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Did you hear about the Great Resignation? It isn’t over. Just over two years of pandemic living, many offices are finally returning to full-time or hybrid experiences. This is causing employees to totally reconsider their positions.

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