This is why you're broke 

Can you own a pet in a big city without going broke?

Think long and hard before getting a pet in a big cityWhen I first adopted my cat one year ago from the rescue group with which I was volunteering in Manhattan, I naively believed, beyond basic necessities, she’d be relatively low-cost. It turns out the “basic necessities” of pet ownership equate to approximately those of raising an actual human child. Much like raising a human child, these costs rise exponentially when you live in a major metropolitan area.

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 Frugal Living 

Pet Insurance Buys Peace of Mind

Tobey after Paw SurgeryI’ve always said that I view insurance as protection against the catastrophic, not against the routine. It’s why I don’t have collision and comprehensive insurance on my car. So how does this change with pet insurance? Why do we have pet insurance on the little guy instead of self-insuring his health?

I do this because I view Tobey as priceless. By priceless I don’t mean he’s worth a bazillion dollars, I mean I have no way to determine how much I’m willing to spend for his care. I recognize that it’s my responsibility to take care of him as long as he can live comfortably (otherwise we shouldn’t have adopted him), but without insurance I have to be the arbiter of his fate if he comes down with something. (it’s really my lovely wife and me deciding, but you get the idea) How much should I spend on his care? $500? $1,000? $5,000? $10,000?

I have no idea. In fact, I don’t even want to think about it.
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HAPPY Act: $3,500 Pet Care Expenses Deduction (Proposed)

Jim & TobeyWouldn’t you throw your support behind something called the HAPPY Act? I know I would, it sounds so… cheery!

It exists and it’s a bill that has been introduced in the House of Representatives by Representative Thaddeus McCotter (R-MI). The Humanity and Pets Partnered Through the Years (HAPPY) Act, H.R. 3501, would offer a $3,500 tax deduction for qualified pet care expenses. A qualified pet is a “legally owned, domesticated, live animal” that isn’t used for research or business. Expenses cover pet products, service, veterinary visits, and basically anything that is related to the care of a pet.

It seems like a difficult time to be introducing this bill when we have so many other economic issues to deal with but it sure is sweet. 🙂

First reaction: Frivolous deficit spending? Or legitimate deduction we should entertain?

 Your Take 

Your Take: Are You a Cat or Dog Person?

Cute Cat Cute Puppy

I’m a dog person myself, though I’m not an anti-cat person… I just happen to be allergic to cats. 🙂

I’ve always liked dogs because you can play with dogs. You can throw toys with them, you can chase them around, they can chase you around, and they’re a lot of fun. You can’t really “play” with a cat outside of flicking around stuff for them to try to scratch.

Are you a cat person or a dog person? Or perhaps you are a hamster, rabbit, or hedgehog person?

(Puppy photo: klash, Cat photo: dougwoods)

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