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losille2000 · 4 years

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Hoot and Howl, Chapter 1

TITLE: Hoot and Howl CHAPTER NUMBER: 1/? AUTHOR: Losille2000 CHARACTERS: Actor!Chris Evans/OFC GENRE: Paranormal Romance (more on the magical realism side?) FIC SUMMARY: Chris goes on a camping trip to calm the noisy anxiety in his head, but it ends up leading him into his own messed up version of a Disney movie. When he said he wanted to be a Disney prince as a boy, this was absolutely not what he meant. Especially considering that the princess is also, well... about that... RATING: M (sex, language) WARNINGS: Nothing. AUTHORS NOTES: This is the second story in the Seasons of Magic series, so the same “world” as Home is set in. I will continue Home, but this needed to get out. Also, it has obviously been a very long time since I’ve updated and/or written anything of great substance, so please be kind. That said, I do appreciate any concrit if you have it. You do NOT need to read Home to understand this story.

Also a quick message to my readers who are coming back: welcome back! I appreciate you all so much. I know it's been a long, long time since I've updated. A lot has happened in 2 years (for one, I am now teaching full time, and teaching eats all of your extra time). A lot is still happening. But this unprecedented time at home has given me an opportunity to try to write again. Enjoy!

Previous Chapter - Also available on Archive of Our Own!

Chapter 1

The speeding truck, rusted out and sputtering, navigated over a narrow gravel driveway and through dense pine forest for a quarter mile off the main highway until the path opened into a clearing. Inside the clearing was a simple country farmhouse with hunter green shutters and aged white siding, sedate and quiet, but for faint white smoke curling out of a tall stone chimney. A vibrant forest behind the house was aflame in brilliant autumnal colors, cloaking the mountain in shades of kingly red and gold as it reached into a stormy sky.

Chris only wished he could truly appreciate nature’s beauty, rhapsodize on it, photograph it, consider how, even when it seemed like the world was going to shit, there was still… this. But he couldn’t; rather, he kept his eyes keenly affixed on the narrow drive to assure that he and his passenger reached their destination in relative safety.

Relative, being the operative word.

As though to test him, the truck bounced over a particularly uneven patch of gravel. The rear swerved and his heart jumped to his throat, but he was able to right the vehicle with a steady shift of the steering wheel and a determined clamp of teeth on his lower lip. Only belatedly did he remind himself to breathe, to calm the heart once again beating a heavy tattoo in his chest.

Chris inhaled deeply, twice, and instantly regretted it. The cabin reeked of wet dog and man, mud, and the metallic tang of blood. His stomach clenched. Giving in, he took his eyes off the road for just a moment to glance at his companion, who had curled up on the truck’s bench seat beside him. The red and blue plaid flannel he used to wrap Dodger’s mangled paw had soaked through and now just looked dark brown.

“Just a few more seconds, buddy,” he murmured, more to hear himself speak, to reassure himself, to connect again with the world instead of spiraling into another panic attack. He’d been doing so well avoiding them recently, too. “We’re almost there.”

Chris hadn’t seen it happen, really, the incident that led them to this enchanting farmhouse with the green shutters. They’d been out on the river, he and Dodger, two days into a two-week solo camping sabbatical. Dodger skipped between stones and barked at random creatures scurrying around the banks of the river while Chris adjusted the nylon fishing line on his pole, attempting to catch dinner. Then he heard a yelp and a splash; when his eyes darted in the direction of the sound, Dodger was already struggling to swim in the swift river current.

Chris jumped into the icy river immediately, without considering the toll it could take on his unprepared body—the river was just a few feet deep, but it was certainly deep enough and cold enough to freeze every vital organ for a split second and prolong the rescue of his precious friend.

Fortunately, he’d plucked the pup out of the rushing water by the collar just before Dodger was out of reach, and then trudged slowly back to the embankment through thick muddy riverbed, thinking all was fine now and Dodger simply needed to dry off. Other than struggling in the current, it wasn’t a rare occurrence that Dodger’s natural mischief led him to fall in a body of water—be it natural or manmade, like the swimming pool back in LA. Dodger would fall in, get out, Chris would dry him off and then the dog would go lay down, the natural consequence having fully chastised him for being silly.

But this wasn’t like that at all. Only when they made it back to dry land did Chris notice the blood dripping freely from the canine’s front paw, made all the worse from the water saturating his fur. Somehow, Chris had kept it together long enough to rip a piece of his flannel shirt off and tightly tourniquet Dodger’s leg; never mind that he had a stack of towels and blankets in a duffel bag a few feet away, which might have been useful—also—to warm a shivering, scared animal.

Then the anxiety hit him, literally knocked him on his own ass, as he scrambled through his fishing tackle box for the emergency burner phone. The one that could dial out for emergency services and receive calls from his mom, because his mom was the only one with the number.

The phone still had a charge and the old crappy mobile internet had come through for him when he searched for the closest veterinarian, even all the way out in the middle of the Massachusetts wilderness. He’d practically thrown Dodger into the truck and sped away from the campsite, with the fishing line still dangling in the river.

Now that he thought about it, or at least, now that the adrenaline had subsided a bit, he realized the mistake he made. If he even made it back to camp tonight, that pole would probably be long gone. And so was any chance of eating because it would be too dark to do any fishing with the other poles he brought with him. The energy bars and backup rations he packed would only go so far to fill his man-sized stomach—and they were supposed to be provisions to last two weeks. He didn’t want to go back into civilization for at least that long.

Chris grumbled. This was why he didn’t have kids—he could barely handle his dog’s injuries, let alone anything worse. How would he ever react with an actual human child? Leave another fishing pole in the river? Or, if they were at home, leave the stove on and burn an entire house down?

The thought was absurd!

Him having children of his own was a ridiculous idea. He absolutely was not qualified. The fact that his girlfriend was pressuring him to commit to that—to finally settle down—only made matters worse. There was nothing he wanted more in the world than to settle down to have a family, but the other person in the relationship had to understand the difference between wanting something and knowing one’s personal limitations. His level of anxiety, despite all the work he had done learning to manage it over the years, was not at the point where he could contemplate children.

This trauma was a perfect example. Fuck. He probably wasn’t even qualified to have a fur child, now that he thought about. He certainly didn’t feel like he was worthy of the companionship of this perfect spirit lying beside him and whimpering in pain because he hadn’t been paying attention.

He glanced at Dodger again, but the dog didn’t even pick his head up this time, so he reached out to place a reassuring hand on his back. They’d get to the vet, and everything would be fine. It had to be. He couldn’t lose him.

A few seconds later, Chris pulled into a parking spot alongside a tiny Toyota Prius, which he found completely incongruous to the rustic storybook farmhouse sitting before it. These places were made for old beaters like his, or something with a little more substance—even if he did appreciate the owner’s care for the environment.

His old truck creaked to a stop, the noisy clunking machine rattling until it finally fell silent a few seconds later. Dodger whined again and tried to stand on his bad paw, only to slide back down the vinyl seat with the wet shirt rag. He scooped the dog into his arms and pressed his lips to the dog’s head—a completely illogical thing to do at a time like this because it clearly wasn’t going to make Dodger’s paw heal instantly, but it made Chris feel better—and bound up the three front steps toward the second door on the other end of the large porch with the small plaque that read “Dr. Bird, DVM.”

Grateful the door had been left partially ajar, he nudged his shoulder against it and stepped into a room that looked like any other doctor’s waiting room—human or animal—except for the fact that he was the only person staring at a space he wished were filled with a reception desk with a receptionist. Someone… anyone… who could help Dodger. Immediately. All he found were worn vinyl-cushioned benches, magazines piled on an end table, and lamps glowing soft yellow light into the four corners of wood-paneled walls.

There was also another door, this one presumably leading further into the house, but it remained firmly shut.

His anxiety clawed back up his throat and began to strangle him—should he have instead gone to the other vet in the other direction, though another half hour away? Had Dodger lost too much blood? The dog seemed limp in his arms. Was it… was it too late? Should he just barge in through the other door to look for help?

Chris opened his mouth to yell, but his entreaty died on his lips when the closed door creaked open. A massive cat with a fluffy white coat loped into the room, clearly unphased with the seriousness of the situation. He frowned at the odd creature as it stopped just in front of him, looked up and slowly blinked large jade-green eyes. The proximity of the feline made him uneasy; not only was Dodger uncaring of an animal that he would have otherwise had a real problem with staring up at them, but Chris felt the cat was assessing them frankly, and not in any typical cat-like way.

The cat made a soft chittering sound, as though trying to communicate with him. Chris’ frown deepened. This was getting them nowhere, fast. And this cat gave off some really fucking weird vibes. And if he weren’t mistaken, it felt like the animal was rolling its eyes in disgust that he, a human, had not been able to understand Cat.

Was this a dream? Was he hallucinating this? More importantly, what kind of medical professional allowed a cat to be the welcome committee to a place of business, never mind that it was a veterinarian’s office?

The cat “receptionist” blinked again and sat down heavily, flicking its long tail before emitting a rumbling and, if Chris were being honest, perturbed meow. It echoed in the barren room, but the sound was finally enough to pique Dodger’s interest. The dog turned his head quizzically with perked ears.

Dodger yipped twice at the animal but didn’t struggle like he wanted to get down and chase the cat. In response, as though they—the dog and the cat—had somehow communicated the problem to each other, the cat stood back up and trotted back to the door and disappeared.

Chris tried to speak again; a blur of feathers stopped him this time as a large grey bird soared into the room and landed on a perch affixed to the opposite wall. He’d not noticed the protrusion there, as it was made of the same wood as the paneling and blended in with the walls.

The grey parrot with crimson tail feathers turned to look at him, clucking a few times then saying in a strange parrot voice, “Just a minute! Just a minute!”

Chris considered turning around and leaving. This was too strange, and his canine companion was too precious to be dealing with a doctor who didn’t have a proper staff and left the care up to a weird fluffball cat and a parrot. When he turned toward the door, the bird suddenly sounded like a Star Wars droid, booping and beeping and trilling like R2D2, then changed to words. “Don’t go! Don’t g—”

“I’m so sorry!” A new voice—a feminine one, smooth and alto—broke into his periphery. “I was in the middle of something that couldn’t be put down.”

He whipped around to come face-to-face with a blessedly human figure standing before him, all wind-tousled jet hair and large obsidian eyes. Concern etched an otherwise blemish-free face of smooth tawny skin. She was probably the most beautiful woman he’d ever beheld, but that notion, too, was immediately forgotten like the beauty of the landscape outside, in favor of the creature in his arms.

“My dog, he—” Chris began, snapping out of his momentary trance.

She swooped into action, flicking her eyes down to Dodger. She hummed and reached for him. “Let me take him back and have a look.”

“Can’t I go back?” he asked, reluctantly handing Dodger over.

She cradled the dog to her chest; Dodger didn’t struggle as she spoke softly. “It’ll be okay, Dodger.”

“You look as white as a ghost,” she said then, her voice now firm. “You need to sit down and calm down. You’re not going to be any help to your dog or to me if you’re freaking us both out during an exam. Let me look at the injury and stop any active bleeding. Then we’ll talk.”

And with that, she was gone so quickly he could have sworn she had kicked up a cloud of dust in her wake. However, he did what she’d instructed and collapsed onto one of the old benches, then covered his face with his hands and prayed. He didn’t do a lot of it these days, preferring other forms of soul searching, but he did say a few silent words. Dodger needed to be okay. He couldn’t lose this one constant in his hectic, always changing life. At least not until the dog had lived a long, fulfilled life at his side.

If only his anxiety would let him think positively.

#chris evans #chris evans fan fiction #chris evans fanfiction #chris evans fanfic #chris evans fan fic #ofc #hoot and howl #rpf

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babygirlwolverine · 4 years

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Positive 20 Questions Tag Game

1.) Name 4 fictional characters who showcase your personality the best, with explanations if you want.

- Tinkerbell (Peter Pan): I very much relate to her, because I also am possessive over the people I love and also need attention all the time or I die hahah. But also she’s sassy and spunky and goes after what she wants, and I love that. She’s persistent and determined and willing to take out anything in her path. And I think all of those things sum up me pretty damn well.

- Dean Winchester (Supernatural): not only have I seen the connection, but my sister and several friends have also told me how similar I am to Dean. The way I bottle things up and avoid dealing with my emotions. How I would die for the people I love because I care for them that strongly that I couldn’t bear to live in a world without them. I’m sarcastic and witty and sassy just like Dean is. Just like Dean, I put up a tough guy front and act like things don’t both me, but really I’m an emotional teddy bear who doesn’t know how to deal with all the things I feel. I also tell ridiculous and stupid jokes and puns and normal get eyerolls from my sister for it, but it’s totally worth it.

- Tony Stark (MCU): I could go on and on about how similar I am to Tony. From wearing my heart on my sleeve to trying to make the right decisions and screwing things up in the process. Just like Tony, I’m sarcastic and smart. But also like Tony, I have a ton of mental baggage. I struggle and suffer with anxiety and panic attacks, too. Just like Tony, there isn’t anything I wouldn’t do for the people I love. And I hope, like Tony, I learn from my mistakes and try every day to be better and work harder. A lot of my mannerism is just like Tony, the way he uses sarcasm and wit and banter as a front to cover how vulnerable he is. I do the exact same thing. I’m no where near as smart as Tony is, but I’d like to think in difficult situations I let my brain switch into puzzle solving mode just like he does.

- Riley Poole (National Treasure): Riley is my smol bean. I swear he is me in male movie persona. Nerdy and sometimes a little slow on the uptake, but wicked smart in areas most people aren’t. Dedicated and loyal to my friends/family no matter what else is going on. Not always the main hero, but the relatable one everyone loves. Able to do things people don’t expect of me, and to do the things people do expect of me on top of that. Always in the background, working my ass of, just like Riley is. And always seeking the approval of my loved ones, just like Riley. Brave and smart and full of quippy one liners and great comebacks.

2.) Aesthetic?

- pastel colors, flowers, hippie vibes, glitter and sparkles, sunsets

3.) Favorite musical/play? (If you’ve never seen a musical or play, one you’d be interested in seeing?

- The only musical I’ve ever seen is The Very Potter Musical (oops). I’m not really a musical or play kind of person. I much prefer movies and TV shows. But hey, I can still sing a ton of the songs from AVPM and said references to it so many times even my parents know them.

4.) What is the best compliment you’ve ever received?

- either “for some reason you remind me of Marilyn Monroe highkey” or it was this client I was working with as a vet tech assistant and she said to me “you are the best technician I have ever had work with my dog. You are going to be a wonderful and compassionate doctor and I’d love to be your client in the future” and y’all like she literally complimented me so much she even told my boss how much she adored me and my work ethic and I literally went into the back of the clinic and cried after she left because I’ve never felt so strongly that I’m meant to be in the veterinary field.

5.) How many times have you been in love?

- twice. Once was with the girl I had my first kiss with (actually there was many many kisses with her). She was my first love. I mean I really fell for her. She was a lot of firsts for me. And my first boyfriend. He led me on though and played me even though I fell for him and he knew that. So that sucked.

6.) Embarrassing story or fact about yourself that makes you laugh now?

- When I was 9, I was running in the playground at school and tripped over this tree stump that was like kept there by the school for some reason (I can’t remember). But I tripped ad badly tore up my left hip. I mean like blood everywhere, massively bandages, the whole 9 yards. It healed over and there’s no scar now, but it was super embarrassing to trip over it in front of my entire class and to really badly hurt myself, and this was all like a month after I had just moved to the town and just started school. Way to make a fool out of myself from the very beginning.

7.) Favorite Disney/Pixar movie?

- Peter Pan. See my above answer about why I love Tinkerbell. Peter Pan is also my favorite because I love the idea of being able to escape some place and be young forever and forever free and happy. The idea of being able to just enjoy the simple things in life without the weight of the world on your shoulders.

8.) Favorite flower or plant?

- Plumerias. They are just absolutely beautiful and they smell amazing and their colors are vibrant and beautiful and I just love them.

9.) What’s your favorite holiday?

- Christmas, without a doubt. My mum adores Christmas and she instilled that same love in me. The music, the lights, the decorations, the cheer, the happiness, the gift giving. All of it. It’s just such a happy time in my household and it’s what I look forward to all year because it’s just warmth and happiness radiating in my family.

10.) Name three things that made you laugh or smile this past week.

- @deanscastiel79 sending me messages every day to check on me and to see if I’m okay. Nothing makes me happier than someone noticing if I’m being quiet or if I’m MIA and checking on me and sending me things to make me smile.

- Just seeing the amount of likes and reblogs my destiel fics are getting. And the amount of followers I’ve gained since I started posting destiel fics. I’ve literally gained more than 25 followers in a couple weeks. It blows my mind. And seeing like the notes continue to climb on my fics and then having someone reach out to comment and personally message me to tell me how much they liked one of the fics I wrote. It makes me smile so much my cheeks hurt.

- My puppy, Rocket. He’s the biggest goofball in the world. But he’s so damn affectionate it’s unreal. The amount of love and cuddles and kisses he gives me almost hourly every single day literally fills my heart to bursting. On my worst days, he’s the only thing that can make me smile. He makes me feel loved.

11.) What song would you play to introduce yourself to someone?

- Rare by Selena Gomez. Because you know what? I am rare. I’m special and unique and proud of who I am. And maybe not everyone can see that, but that’s fine, because I can and will find people who do see that and who cherish me and treat me right. “I don’t have it all, I’m not claiming to, but I know that I’m special.” My favorite lyrics of the song. Because I know I don’t have it all, but I do have so much to offer the world, and I’m ready to share that with the right people.

12.) Name something that truly makes you feel peaceful even at your most stressed moments.

- I’m a Maladaptive Daydreamer. When I’m most stressed, I’ll let myself go into one of those daydreams until I feel calm again. I let those characters ground me. Either that, or spending some time with Rocket (my puppy mentioned earlier). Because there’s nothing that makes me feel better than puppy cuddles.

13.) What do you, did you, or would you study at college?

- For my undergraduate, I studied and got degrees in Biology and English (Concentration in Creative Writing) with a minor in Chemistry. I’m currently in grad/med school studying Veterinary Medicine and earning my DVM (Doctor of Veterinary Medicine).

14.) This is kind of a weird one, but which outfit of yours makes you feel most like yourself?

- It would either be high waisted shorts and a crop top/tank top/hippie shirt or a summer dress.

15.) What is a quote you live by?

- “Grateful for where I’m at. Excited about where I’m going” and “It always seems impossible until it’s done.”

16.) Name the funniest playlist name you have.

- My playlists don’t have weird names. I just have playlists for different artists. I have a playlist called “Soft Songs” for when I’m stressed or need music to sleep to. I had started a playlist called “Down and Dirty” for when I was writing smut fics and needed some inspiration, but the app on my phone wiped it and I was too lazy to remake it again. Maybe I will when I have some more time on my hands so I can have some inspiration to write some destiel smut fics.

17.) Make a reference to an inside joke you have with someone you love with zero context.

- “Why are you looking at me like that?” “Because you’re Skipper Sophie.”

18.) What is a message you would give your younger self if given the chance?

- Don’t let anyone tell you who you can and can’t be. There is always light at the end of the tunnel, and there is always people who will love and support you. And if your gut tells you something isn’t right, trust it.

19.) Who is your favorite family member? (If you have no good blood family members, feel free to mention someone in your found family)

- My sister. She’s the one person I can go and talk to about anything and everything. We can talk for hours. She always has my back. She boosts me up when I need it. She’s my inspiration and my support system. I don’t think I could live without her by my side. She’s my rock and I love her with everything in my heart and more.

20.) What’s a secret dream of yours?

- To publish a book. I know I’ve gone down the medical path as a career, but someday I would love to write my own novel and have it published.

tagging: @deanscastiel79 @singingninja4 @themarvelavenger @seekinsideanimus @fadinglight123 @nonthebinary @pizzamanhedelivers @proudace @beatmetothesnitch @s-l-u-m-p-i-e @vcastiel

#random #me #about me #my life #positive 20 questions #20 questions #tag #tag game #tagged #things about me #facts about me #facts #describe yourself #questions about me #long answers #long questions #more than you probably ever wanted to know

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bloojayoolie · 6 years

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Andrew Bogut, Animals, and Bailey Jay: 37767 10 months old, 47 Ibs PUPPY ALERT Adorable, sweet, fun, friendy - Wil need lots of love, patience & training to be that Rockstar @Manhattan ACC waiting 4 LUV **** TO BE KILLED - 8/16/2018 **** PUPPY ALERT FOR 10 MONTH OLD BELLA <3 "SHE HAD A FAMILY, JUST YESTERDAY, AND MISSES THE COMFORT AND THE WARMTH OF A HOME." A volunteer writes: Puppy Bella reminds me of Odie, a very naïve, lovable, insecure and kind cartoon character always worried not to do the right thing, eager to please and thirsty for love and protection. Her eyes are bright and hopeful. Her tongue is a giant tootsie roll unraveling in the middle of an engaging smile. Her tail is non stop wagging. Bella is beautiful in her oreo dress, elegant and...goofy, jumping for hugs and kisses, running after a ball, being here and there in a matter of few nano seconds. She had a family, just yesterday, and misses the comfort and the warmth of a home. Tight arms around her, a lap and tender words take care of her worries. Bella is only ten months of age and will need your love, care and guidance to achieve great doghood and be the rockstar loyal and loving pet you always dream to have. Come and meet Bella at the Manhattan Care Center. She so would love to be yours!! BELLA@MANHATTAN ACC Hello, my name is Bella My animal id is #37767 I am a female black dog at the Manhattan Animal Care Center The shelter thinks I am about 10 months old, 47 lbs Came into shelter as owner surrender Aug. 10, 2018 Reason Stated: MOVING Bella is at risk for medical reasons, having been diagnosed with Canine Infectious Respiratory Disease Complex, which is contagious to other dogs and will require treatment with antibiotics, likely for 14 days. Bella also has dermatitis and a luxating patella (left). Due to her exuberant and mouthy playfulness, typical of a dog her age and type, we suggest that she would be best suited to a dog experienced home. My medical notes are... Weight: 47.875 lbs Vet Notes 11/08/2018 DVM Intake Exam Estimated age: ~ 10 mon. Microchip noted on Intake? scan negative Microchip Number (If Applicable): placed during exam, #985113002021631 History: owner surrender Subjective: BARH Observed Behavior - friendly, anxious/trembling some but allowed full PE Evidence of Cruelty seen - no Evidence of Trauma seen - no Objective P/RR = wnl BCS = 5/9 EENT: Eyes clear, ears clean, no nasal or ocular discharge noted Oral Exam: nsf PLN: No enlargements noted H/L: nsf; NMA, CRT < 2, Lungs clear ABD: soft, non-painful, no masses palpated U/G: intact female MSI: Ambulatory x 4, left MPL III/IV w/occasional limp/toe-touching lameness observed, severe dermatitis - alopecia/pustules on abdomen, hind-end and rear legs most affected CNS: Mentation appropriate - no signs of neurologic abnormalities Rectal: externally normal Assessment: mod.-severe dermatitis r/o allergic w/secondary bact vs infect. vs other + patella luxation on left stifle Prognosis: fair Plan: Simplicef 200 mg PO SID x 21 days + Diphenhydramine 50 mg PO BID x 3 days + Rimadyl 75 mg PO SID x 3 days + rec' medicated bath + rec' orthopedic consult of luxating patella for tx options/corrective sx SURGERY: Temporary waiver due to health. 11/08/2018 [Spay/Neuter Waiver - Medical Condition] Your newly adopted pet has been diagnosed with Dermatitis and the staff veterinarians are issuing a temporary waiver from the spay/neuter requirements of the City of NY. Follow up care at your regular veterinarian is recommended to ensure continued treatment. Your veterinarian will advise you if surgical sterilization is appropriate. 14/08/2018 S/O - Pt not itching seems comfortable. dermatitis mild erythema, alopecia still present on flanks, no postules seen on cage examination. A - Dermatitis improving P - continue on current tx plan with the addition nexguard PO once only dose in case of demodex mange 15/08/2018 S/O pt BAR EENT – Reported by ACS to be sneezing and coughing. Moderate clear serous nasal dis-charge, mild nasal congestion "sniffling" Assessment - Suspected CIRDC “typical kennel cough” Plan - + Move to isolation + 10mg/kg doxycycline PO SID for 14 days + 2 mg/kg cerenia PO SID for 4 days + Recheck in 7 days for resolvement and return to general population PROGNOSIS EXCELLENT 15/08/2018 Pt anxious in shelter Place on trazadone 5 mg/kg BID PO for 7 days Behaviour team will reassess Details on my behavior are... Behavior Condition: 1. Green Behavior History Behavior Assessment Bella gave kisses and also jumped on a counselor when she was approched. Bella had wiggly/loose body and allowed people to pet her head. Bella allowed all handling. Date of Intake: 8/10/2018 Previously lived with:: 1 Adult How is this dog around strangers?: Bella is friendly and outgoing with strangers. She likes to jump and give kisses when people approch her. Bella is also not aware of her own strength and sometimes will be very rough when she wants to play. How is this dog around children?: Bella did not live with children in previous home. How is this dog around other dogs?: Bella did not live with dogs in previous home. How is this dog around cats?: Bella did not live with cats in previous home. Resource guarding:: Bella is not bothered when her owner touches food bowl while eating. Bella is also not bothered when the owner tries to take bones, toys or treats away. Bite history:: Bella has not bitten a person or animal in previous home, Housetrained:: Partially Energy level/descriptors:: High Energy Level, playful, excitable Other Notes:: Bella enjoys baths. Owner stated Bella loves water. Bella also likes to be brushed. Has this dog ever had any medical issues?: Yes Medical Notes: Possible skin irretation/condition. Bella has patches of hair missing on several parts of her body, mostly towards her back and legs. Owner stated Bella would scratch those areas a lot. Owner gave Bella a bath and the scratching continued. Owners is unsure of any allegires or if Bella has a flee problems. Recent vet care was when Bella was 8 weeks old. Bella was not given wet food because she have diarrea. For a New Family to Know: Bella is friendly, playful and excitable. Bella has a high energy level because she loves to play all the time. She enjoys all toys such as, balls, stuffed toys, squeaky toys and chew bones. Bella also can become rough and does not realize her own strength during playtime. Bella likes to play fetch and tug. Bella is an indoor dog but was not house trained to use the bathroom on wee-wee pads. Bella uses the bathroom inside the owners home and also destroys house hold items. Owner kept Bella in the room with her during bed time and Bella went to sleep on the floor. Bella was fed 4 times a day mostly dry food because the wet food would give her diarrea. Bella was fed Peiagree or Beneful dog food and was also given ice cold water. Bella pulls very hard during walks and it takes owner some time to get Bella to focus on her. Date of intake:: 8/10/2018 Spay/Neuter status:: No Means of surrender (length of time in previous home):: Owner Surrender Previously lived with:: An adult Behavior toward strangers:: Friendly and outgoing, sometimes plays rough Resource guarding:: None reported Bite history:: None reported Housetrained:: Partially Energy level/descriptors:: Bella is described as friendly, playful, and excitable with a high level of activity. Date of assessment:: 8/13/2018 Look:: 1. Dog's eyes are averted, with tail wagging and ears back. Allows head to be held loosely in Assessor's cupped hands. Sensitivity:: 1. Dog leans into the Assessor, eyes soft or squinty, soft and loose body, open mouth. Tag:: 1. Dog follows at the end of the leash, body soft. Paw squeeze 1:: 2. Dog quickly pulls back. Paw squeeze 2:: 2. Dog quickly pull back. Flank squeeze 1:: Item not conducted Flank squeeze 2:: Item not conducted Toy:: 1. Dog settles down close to chew, will relinquish toy to you. Summary:: Bella appeared anxious in the assessment room, whining and seeking exit. She approached the assessor with a soft body and jumped up in a social manner. She was social during the assessment and allowed all handling. Summary:: Slow introductions are recommended between Bella and other playful, social dogs. Summary (1):: 8/11-12: When introduced off leash to male and female dogs, Bella is soft and social. Summary (2):: 8/14: Bella is rough and exuberant, at times mounts during play. Date of intake:: 8/10/2018 Summary:: Loose body, allowed handling Date of initial:: 8/11/2018 Summary:: Friendly, anxious, allowed handling ENERGY LEVEL:: Bella is described as having a high level of activity. She is a young, enthusiastic, social dog who will need daily mental and physical activity to keep her engaged and exercised. We recommend long-lasting chews, food puzzles, and hide-and-seek games, in additional to physical exercise, to positively direct her energy and enthusiasm. IN SHELTER OBSERVATIONS:: Bella has been highly social with handlers throughout her stay at the care center. She seeks attention from volunteers and staff constantly and solicits petting and interaction. She displays typical puppy behaviors and enjoys time outside of her kennel. BEHAVIOR DETERMINATION:: EXPERIENCE (suitable for an adopter with some previous dog experience, especially with the behaviors outlined below) Behavior Asilomar: TM - Treatable-Manageable Potential challenges: : House soiling,Anxiety Potential challenges comments:: House soiling: Bella is noted to have accidents in the house, and will likely need guidance with house training. We recommend positive reinforcement, reward-based training only. Anxiety: Bells appears anxious in the care center, whining, panting, and seeking exit during her assessment and in playgroup.This behavior was not reported in her previous, so we do not know if it will be present in a future home. If it does occur, we recommend giving her puzzle toys, long walks, and things to do to relieve her anxiety. Positive reinforcement, reward based training only should be used. * TO FOSTER OR ADOPT * If you would like to adopt a dog on our “To Be Killed” list, and you CAN get to the shelter in person to complete the adoption process *within 48 hours of reserve*, you can reserve the dog online until noon on the day they are scheduled to die. We have provided the Brooklyn, Staten Island and Manhattan information below. Adoption hours at these facilities is Noon – 8:00 p.m. (6:30 on weekends) HOW TO RESERVE A “TO BE KILLED” DOG ONLINE (only for those who can get to the shelter IN PERSON to complete the adoption process, and only for the dogs on the list NOT marked New Hope Rescue Only). Follow our Step by Step directions below! *PLEASE NOTE – YOU MUST USE A PC OR TABLET – PHONE RESERVES WILL NOT WORK! ** STEP 1: CLICK ON THIS RESERVE LINK: https://newhope.shelterbuddy.com/Animal/List Step 2: Go to the red menu button on the top right corner, click register and fill in your info. Step 3: Go to your email and verify account Step 4: Go back to the website, click the menu button and view available dogs Step 5: Scroll to the animal you are interested and click reserve STEP 6 ( MOST IMPORTANT STEP ): GO TO THE MENU AGAIN AND VIEW YOUR CART. THE ANIMAL SHOULD NOW BE IN YOUR CART! Step 7: Fill in your credit card info and complete transaction Animal Care Centers of NYC (ACC) nycacc.org HOW TO FOSTER OR ADOPT IF YOU *CANNOT* GET TO THE SHELTER IN PERSON, OR IF THE DOG IS NEW HOPE RESCUE ONLY! You must live within 3 – 4 hours of NY, NJ, PA, CT, RI, DE, MD, MA, NH, VT, ME or Norther VA. Please PM our page for assistance. You will need to fill out applications with a New Hope Rescue Partner to foster or adopt a dog on the To Be Killed list, including those labelled Rescue Only. Hurry please, time is short, and the Rescues need time to process the applications. Shelter contact information Phone number (212) 788-4000 Email [email protected] Shelter Addresses: Brooklyn Shelter: 2336 Linden Boulevard Brooklyn, NY 11208 Manhattan Shelter: 326 East 110 St. New York, NY 10029 Staten Island Shelter: 3139 Veterans Road West Staten Island, NY 10309 Available Animals Thank you for your interest in adopting from Animal Care Centers of NYC. Our At Risk List is posted each day (except Saturday) at 6:00PM and remains viewable until 12:00PM noon the following day. newhope.shelterbuddy.com

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centralparkpawsblog · 5 years

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How to Use Coconut Oil on Dogs for Fleas

https://www.centralparkpaws.net/wp-content/uploads/2020/01/Is-coconut-oil-safe-for-dogs-to-consume-skin-contact-dangers.jpg

Since winter weather brings freezing temperatures here in Minnesota, one would think that fleas would not be on my list of concerns.

And, admittedly they usually aren’t.

However, Ginger and Calvin happened upon a wandering opossum in our yard, and the meeting of the three did not end favorably for my opossum friend.

Though I was able to confiscate their prize quickly and easily, I still worried the short contact could result in a flea infestation.

Fleas cannot survive freezing temperatures, but if living on an animal, they can survive comfortably on the warmth and moisture they take from their host.

I do not treat my dogs after the first hard freeze for fleas and ticks, so now I had to decide what to do next: Wait and see if fleas jumped on my dogs or take proactive measures

I know you can purchase topical flea preventative from pet retail stores, but I had just read a study regarding the usefulness of coconut oil on dogs.

One of the points that came up was the effectiveness of virgin coconut oil on both eliminating and preventing flea infestations.

I went in search of more information about the best way to use coconut oil on my dogs.

Is Coconut Oil Safe for Dogs?

My first question when trying anything new with my dogs is, is it safe?

The last thing I want to do is go into something blindly, only to find out that I’ve worsened the issue or created a new one.

I have done a lot of research on using coconut oil, especially as a carrier oil for essential oils, or to attend to small wounds, but I haven’t done a lot with giving coconut to my dogs orally.

What I found out is like all things it comes with a set of risks, such as:

The fat content can be an issue for overweight dogs or dogs with chronic pancreatitis

The possibility of an allergic reaction

The chance of GI upset, some dogs with sensitive stomachs could have adverse reactions such as vomiting or diarrhea

Besides the above risks, there are some concerns regarding the impact coconut oil may have on dogs’ cholesterol levels.

Overall, coconut oil is deemed safe to feed in appropriate amounts, as well as used topically.

What Type of Coconut Oil is Best to Use?

The studies published by the Don Mariano Marcos Memorial State University strictly use virgin coconut oil.

I take it one step further and purchase organic virgin coconut oil, but that is purely a personal preference.

However, according to Dr. Colleen Smith, DVM, CVA, CVCP, from Chattanooga Holistic Animal Institute, when choosing a coconut oil to use medicinally with your dog, it is best to opt for an organic, cold-pressed, virgin coconut oil[1].

Cold-Pressed coconut oil is purer than refined oil and comes from the fresh coconut meat instead of dehydrated coconut, which is often bleached and deodorized[2].

Product Recommendation

Viva Organic Extra Virgin Coconut Oil Check Price

How to Use Coconut Oil to Kill Fleas

First, it is essential to know how coconut oil kills and protects against fleas.

Coconut oil has a significant amount of lauric acid, which has many benefits, but as it pertains to this subject, it is responsible for killing fleas.

When consumed or applied topically, the lauric acid changes into a compound called monolaurin[3], which combats fleas and the infections caused by them.

Applied Directly on Dog’s Skin

Virgin coconut oil contains two medium-chain fatty acids, one of which is myristic acid.

Myristic acid is responsible for dissolving the protective wax covering the flea’s exoskeleton, ultimately extinguishing them through dehydration[3].

What you will need: Sheet for your dog to stand on (optional), Organic Virgin Coconut oil (OVCO), and a flea comb

Step 1: Outside or on a large protective sheet, so fleas do not just drop onto your floor, gently massage a small amount of coconut oil into your dog’s skin, being sure to cover their whole body.

Step 2: Gently run a flea comb through your dog’s hair to remove any fleas and excess OVCO

Product Recommendation

Safari Flea Comb with Double Row of Teeth Check Price

Homemade OVCO and Essential Oil Spray

The spray works the same as the massage method, but by adding essential oils, you will be adding another layer of flea prevention.

What you will need: A sheet for your dog to stand on (optional), dark glass spray bottle, an essential oil such as lemongrass, lavender, or peppermint, OVCO, and warm water – (You will need equal parts of water to coconut oil)

Step 1: Put the coconut oil in the bottle

Step 2: Add hot water – Not boiling, but at least 76F, which will melt the coconut oil

Step 3: Add 2-3 drops of essential oil; more if you are making a large batch

Step 4: Place your dog on the sheet

Step 5: Spray your dog with the mixture then massage into your dog’s coat and skin

Step 6: Use a flea comb to remove loose debris

Use in Your Dog’s Shampoo

Putting OVCO in your dog’s shampoo is a very effective way to kill and prevent fleas.

The OVCO kills both on contact as well as penetrating your dog’s skin for longer-lasting effects.

One of the studies I researched used this method and received significant results after just one hour from the time of treatment[3].

The most effective dilution was a combination of 80% coconut oil and 20% shampoo.

What you will need: An empty bottle to mix the shampoo and coconut oil, melted coconut oil, favorite dog shampoo, bath towel, bathing area, and flea comb

Step 1: Melt the coconut oil and add to the bottle (This can be done in the bottle as well, by running the bottle under warm water)

Step 2: Add shampoo

Step 3: Mix thoroughly – If the coconut oil begins to solidify, run the sealed container under warm water to melt it

Step 4: Bathe your dog as you normally would, but allow the shampoo to sit for 15 minutes; yes, I know it’s a long time, but it’s worth it.

Step 5: Rinse and towel off your dog

Step 6: Use a flea comb to remove loose debris

Feed it to Your Dog

Feeding your dog coconut oil will help kill and protect against future flea infestations.

When your dog consumes the coconut oil, it converts the lauric acid into monolaurin, which is proven to kill fleas.

According to Dr. Judy Morgan DVM, the suggested amount is 1 tsp per 20 pounds of body weight, twice daily[4].

It is best to cut the dose in half to start with, then work your way up to the full treatment.

Too much too soon can cause diarrhea.

What you will need: OVCO and a spoon!

Step 1: Offer your dog a spoonful of OVCO. If they refuse to eat it plain, you can always melt it and mix it into their food. My dogs love it!

Reminder

If you have a dog who is overweight, this may not be the best choice. Also, you will want to avoid using coconut oil orally with dogs who suffer from chronic pancreatitis.

Conclusion

Because I am not a fan of “wait and see if my dogs have fleas”, I used the massage method as well as making up an essential oil spray to get rid of fleas on their beds.

So far, so good, plus the coconut oil has helped to moisturize both their skin and coat.

References

https://www.petmd.com/dog/nutrition/coconut-oil-dogs-understanding-benefits-and-risks

https://healthyeating.sfgate.com/benefits-pure-coldpressed-coconut-oil-7169.html

https://nextgendog.com/wp-content/uploads/2016/03/34-ECTOPARASITICIDAL-EFFECT-OF-VIRGIN-COCONUT-Cocos-nucifera-OIL-SHAMPOO-IN-DOGS.pdf

https://drjudymorgan.com/blogs/blog/natural-flea-tick-prevention

The post How to Use Coconut Oil on Dogs for Fleas appeared first on Central Park Paws.

from https://www.centralparkpaws.net/flea-medication/use-coconut-oil-dogs-fleas/

#dogs #cats #pets #reviews

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clearsandwicheagle-blog · 6 years

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Where to get the best price on event insurance?

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Ive been throwing events for awhile now and just recently had a close call in damages to the property so i was wondering if anyone knew of something like a Event insurance company that covers Arizona events?

BEST ANSWER: Try this site where you can compare quotes: : http://financeandcreditsolutions.xyz/index.html?src=tumblr

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I'm a new driver and i'm finding it really hard to get a quote under 2,400.""

Can I sue a person for no auto insurance? In the state of Texas?

I have full coverage and is paying the bill. This lady son hit me and she is the owner of the car. She came to the seen and said she would pay with her insurance. The police was called and we said no police report because they knew he was at fault. She gave false insurance. It was no good for about a month. She gave me all her information, phone,address, and everything. I called her and she said she gave me the wrong policy number, so she gave me another policy number. The problem with this other policy was she got it after the wreck. When I say sue, I just want what it costed me and my insurance company. Its $2700.00""

I just got my permit... do i need insurance?

I just got my learners permit and my dad thinks that he has to add me to the insurance (geico) but a lot of people say I don't need my own insurance.

Question about auto insurance?

I've never had a car before so this is new for me. I don't have auto insurance yet and I'm going to check out a car today. In order to drive it home I will need auto insurance but I'm not sure if I'm getting the car yet. I already have my quotes set up and if I decide to get the car I can call and set it up right there but the policy doesn't go into effect until tomorrow. Can I still drive the car home?

300cc Moped Insurance...about how much would that cost?

I know lots of factors go into calculating insurance costs, but about how much do you think insurance for a 300cc moped would cost per year or per month? Thanks.""

What companies can I get appointed with in Louisiana to write Home Insurance for my Insurance agency?

I have an Indepenent insurance agency in Houston, TX and I am opening a branch office in Louisiana to offer home and auto insurance for LA residents. However, I am having a hard time finding companies that are appointing agents or writing home insurance other than Louisiana Citizens. Does anyone have any suggestions on some companies that I am able to get appointed with ???? Please help!""

Where can I find a comparative of insurance quotes for comercial stable insurance?

I need property coverage, an umbrella plan, summer camp coverage, equestrian activity insurance.""

How much is gonna cost in Insurance if I buy salvage car here in califonia?

Car Insurance Question?

A couple of months ago, I checked out Insurance on Money Supermarket and got a cheap quote of 1,115.44 for a 5 door 1.1 Citroen Saxo, but I've been recently checking again and now all the quotes from the same company are over 4K??? Are they allowed to do this anyhow? And if I phone up the company and tell them about the cheap quote, will they give it to me?""

Why is my car insurance quote 1700 more if women and men are meant to have the same premium?

After an EU court of justice ruling I believe that male and female insurance is supposed to be the same? I have a quote as a male at 2800 whilst 1100 as a female? these were found on a comparison site. Why is this allowed and what can I do about it? thanks!

""Can you get cheap car insurance, under fully comp at the age of 17. But at a reasonable price?

Is there any car Insurance company out there that could offer me a really good price for car Insurance? Im looking to insure a 1.2 litre Renault clio under comprehensive Insurance. Reason I want to do this is because I will be able to drive other cars to without me paying for insurance on them. Anyone?

Term life insurance and estate planning?

Can term life insurance be used in place of long term care insurance? For instance, lets say a person is 55 yoa and in generally good health. Instead of buying long term care insurance, how about buying a term life policy for 250-300k. Should nursing home care become necessary, available funds for care costs, then upon death, survivors are reimbursed via the term life death benefit. It seems to me long term care insurance may or may not be used, and if not, the money paid for premiums is wasted . On the other hand, everyone dies, so nursing home or no nursing home, the death benefit will one day be paid. What say you?? Thanks in advance for offering your insight.""

My niece has a sr22 bond and insurance can she drive a car with that?

i need to know cause she is driving is hat legal?

How much would insurance be?

In the next couple months I'll be in the market for a 2006-2008 7series BMW. I'm 17 and this would be my second car. Approximately how much would I be paying a month for the insurance? Thanks in advance.

Who would be a good company to insure my engagement ring with?

I am looking for a company that has a reputable rapport with customers. A company who can be trusted and isn't under any financial scrutany.

How Much do you think my car insurance will go up on a new car ?

OK I just bough a new car today......its a 2011 model and i traded in a 2002 model .....Im 19 years old...over the past 2 years of driving my insurance has been $100 a month and last month it went down to $75 ....i know you may not know how much just an estimate .

Insurance company help?

Ok so im getting insurance in manhatten because i live there ..... but my vehicle is garaged in long island ..... I have to tell the insurance company ? and do i have to show proof ? if so what kind of proof is there to show ?

Pontiac Grand Am GT Insurance?

I am 20 years old. Looking at a 2 door coupe Pontiac GT. Never been in an accident, never had a ticket. Was wondering what the insurance is roughly going to cost me a month? I have All State. My dad doesn't want to call them because we just called them yesterday about another car, and we don't have the vin number. Thanks! Oh! It has power locks, a spoiler, and a sunroof too! As well as a single disc CD player.""

Car Insurance Issue's? HELPPP!?

I lost my job so I couldn't pay my car insurance for about 3 months. Then it got expired my license also got suspended because of no car insurance:/. But right now I'm back on my feet and I want to get my license reinstated and get car insurance again. I want to know how can I do that? And do I have to pay the amount I owed back to my other car insurance company or can I go to another and not pay them back? PLEASE HELP ME!

A question about dental insurance?

I need to find Dental insurance and i have no idea where to go or what to look for. I know im gonna need to go to the dentist soon. Im 21 and my wisdom teeth are giving me trouble. I want something thats affordable too. I really need help and opinions

What company offers the cheapest car insurance for a first time driver?

And also what types of cars are the cheapest to insure? I live in nyc, the 11434 area code. I desperately need a car for college and everything I've checked so far is asking a fortune a month! Help! Thx in advance.""

How do i get car insurance without a license..?

I'm 20 years old and just bought my first car, but in order to get my license i need to have insurance on the car, but in order to get insurance i need my license, can anyone help me out with this catch 22 please.. thank you so much!""

Will a speeding ticket increase the insurance rate on car?

I got a ticket and i dont want to tell my parents. The officer said i could send the check to pay it off through the mail or by email.

Where to get the best price on event insurance?

Why is reasonable profit for insurance companies bad?

Many jobs are provided in insurance.

""Premium financed insurance, any risks?

What scenarios can bank repo the collaterals in premium financed insurance? It seems too good to be true.

Where can you get insurance for Judo?

I am on my Mom's plan, but would like to have a specific insurance for Judo. I am not competing, just recreational judo. Thanks. I'm 19 years old and live at home. I'm in college. I live in Minnesota.""

""Car insurance...Extending coverage, no matter who you let drive your car?

I heard there are car insurance companies that will extend your coverage to other people who drive your car. What companies do this? And is there a catch ? Thanks.

""What is the average cost of home owner insurance in Houston, Texas?

I know this varies and are based on different factors. I am just seeking an average - thanks!

Does car insurance cost the same for every car?

I'm 18 and right now I have 800 for a car, but the one I want is 4000, would the car insurance on that cost more than the 800 one?""

Affordable dental insurance for my two year old?

I am trying to find a good dental insurance online for my son. I have came across a company called careington, but heard their discounts are never to be seen after you get things done. Does Metlife cover children? Anything helps! I'm trying to find something that isn't tricare related, he has regular tricare insurance, but takes forever for paperwork to go through, needing somethign fast and cheap...thanks.""

""Oh, crap...How much will this little incident raise my car insurance?""

Not too long ago, my friend skidded on a turn & took out the left-tailight area of my car. The light bulb was still working so my parents said I could go ahead & drive to school the next day; things were fine for days. But last night after the movies we were headed to one friend's house. But before we went there, she had to pick up her brother & his friends at some playground they were hanging out at. Her 5-person car was filled & so her brother & one friend needed to ride with me. I don't have my 6-months up (for being able to drive others beside family; I know, bad) but since the hangout was so close to her house, I said go ahead, jump in & we'll go home. So we head up a hill from that spot & at the very first turn, I see those nasty red & blue lights & pulled over. The cop said he pulled me over for having a tailight out (not true by the way--the whole bulb thing) & then he charged me with a nasty ticket, $532 of it for not having my insurance card with me. Which after the whole...""

What is the average insurance rate for a slk 350 2013?

I am looking for an estimate but I don't want to put in all my information don't want all these people calling me.

Health Insurance for the self-employed?

After 13 years with my husband, he is leaving me. I have always been on his health plan because I am self-employed. Can anyone offer me any advice on where to find providers? I have no idea where to start.""

How could car insurance cost more a month than the value of the car?

Yes I'm under 21, No I don't have a single ticket , or driving violation . How could insurance on a 500 dollar cherokee cost 290$ a month? In two months thats the value of the car! Its BS there has to be a way to get insurance for cheaper than that. Anybody know of any place? And please don't say Classic insurance as all of them you have to be 25 or older.""

""Insured car, uninsured teen driver?""

Hi, I am 17 and just obtained my drivers license, I am not on the insurance policy for the family cars. I heard somewhere that insurance follows the car and not the driver and that even if i wasn't on the insurance policy but had permission from the owner to drive the car that any accident would be covered by the owners insurance policy? Is this information valid? And to what extent? Thanks!""

""Moving from Texas to Arizona, how will it impact family auto insurance?""

I have auto insurance with my family who lives in Texas, but I am moving to Arizona. Right now my insurance is on a family plan which has multiple vehicles as it is much cheaper than if I were to get the car insurance by itself. If I register my car and license in Arizona, will the insurance agency not allow me to continue insurance with my family as we're in different households and states? Insurance agency is Metlife if that helps.""

Car insurance question?

how much will it cost for a 21 year old single female per month? i just recently got my drivers liscense and i have never had a car or insurance..i have no credit and have never had a ...show more

""How much cheaper would it be to go under my dads insurance for a van, if it was 2000 on my own policy? (Year)?""

My INSURANCE quote is around 2000 Annual for my Ford Transit Van. Im 17 years of age and would really like this to be a tad cheaper for the first year until I get my little own run Business going a bit more. Is there anybody who can give me an estimate on how much Im looking at if I went under my fathers Insurance? Cheers Guys! Jack Osborne. All Answers Appreciated. (Added - I am not able to get a quote from my dads insurance people so we are changing it over. Please do NOT give me nasty answers as these will be classed as immature) If you haven't got anything nice to say, Don't say anything at all.""

Insurance for a 17 yr old with Lamborghini(took drivers ed & have good grades)?

me and my sister got a lot of money when my grandpa passed away, he gave it to me and her mainly and then some to my mom and aunt and i wanna get a lamborghini with it but my mom will not change her mind saying that no one would ever insure me for that. moneys not really that much of a problem for it but would no one really insure me? i have enough to pay for it myself and i took drivers ed and have good grades in school how much will that knock off of it if so? thx""

Is honesty really the best policy when insuring a car?

Should I buy life insurance?

I am a 34 year old male, about to get married and will probably start a family. Some people have suggested that I need to buy life insurance and critical illness and disability insurance to protect my future family. I already have group coverage from my employer that includes some coverage for all of the above, though I work in an industry that is quite volatile and I could be jobless in a downturn. When I look at some of the policies out there and the monthly premiums involved, it seems like I need to dole out a chunk of money for a benefit that will probably never be realized, and the amounts are not even that sizable to make a HUGE difference to the financial security of my future dependents. I currently have around $300k in investments and no debt, and OK coverage from a group policy. Do I really need to buy life insurance? Ideally I need a product where the higher premiums and coverage only kicks in if I am unemployed.""

Using car insurance comparison sites?

Hi, I'm 18 years old and taking my lessons. I've been trying to get a quote on a couple of cars that I would like to buy for when i pass or to get provisionaly insured on, I got a quote as having a full driving licence on a 2000 3door 1.2L for fiesta, I filled in all the relevant information no modification, using for social and commute to one place of work etcetc and its comes up with the cheapest being aroud 7000, this cannot possibly be right can it? Ive checked over the details and used different cars and the same price always comes up.""

How quick is an auto insurance company to drop you?

I have had 3 claims in 4 years, however, only 1 claim with my current insurance company. None of the three claims were huge...one wasn't even my fault, I was the victim of a hit and run. Anyway...How does getting dropped work? How frequently do you have to wreck, how many wrecks give you a high wreck average ?? As a side note...i've never received traffic ticket, so I'm clean in that area...""

Car insurance for someone under 25 arizona?

How much would car insurance be or the cheapest I live in arizona and drive a 1994 Saturn sl2

Why should we be forced to buy health insurance?

I'm referring to the new health insurance law, in case you didn't catch that.""

What is the cheapest car insurance in Wisconsin?

It seems to me that every insurance company out there is claiming to have the lowest rates, etc. In your experience, who has had the cheapest prices? I'm referring to basic car insurance...no frills, just the minimum coverage that is now required in WI? Thanks (and please dont try to sell me something...I just want some ideas here)""

How long do I have to report an accident to an insurance company in California?

If I was in an accident in California how long do i have to report it to the insurance company so that they will cover it?

Cheapest car insurance provider for a 23 year old?

I am 23 year old and had no claims up until last year when i had a little bump and now the quotes are terrible for even a little 1litre. does anyone know of realistically priced insurance company's for younger drivers? thanks for the help.

Where to get the best price on event insurance?

https://www.linkedin.com/pulse/washington-hospital-insurance-agatha-ibarra/"

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