(NAPSI)—Planning ahead and budgeting for the cost of pet health could help you feel more prepared when you face a serious health situation with your pet.

“Determining how much we are willing or able to spend to sustain the life of a pet is a decision none of us ever wants to make, but given the rising cost of pet health care, it’s often an inevitable one,” said Dr. Jennifer Coates, a Colorado-based veterinarian and author.

According to a recent survey by The Kroger Co., approximately one in 10 dog or cat owners is willing to spend more than $3,000 on medical procedures if it meant that their pet could be saved. Meanwhile, a majority of pet owners (61 percent) surveyed said they would be willing to spend between $100 and $1,000 to save Fluffy or Fido’s life. Another 15 percent are comfortable spending between $1,000 and $3,000 for lifesaving medical care for their pet.

When asked what they fear most about their pet’s well-being, about one in four of dog owners said cancer (27 percent), followed by hip/knee/leg injury (17 percent) and getting hit by a car (16 percent). The biggest concern for cat owners was kidney disease (19 percent), cancer (17 percent) and injuries sustained by fights with other animals (10 percent).

Only a small percentage of the pet owners surveyed said they had pet insurance–4 percent of dog owners and 2 percent of cat owners. However, 61 percent of dog owners and 48 percent of cat owners said they would consider purchasing pet insurance if it costs under $20 per month.

Interestingly, at least half of pet owners (55 percent with dogs, 51 percent with cats) would be interested in adding their pets to their own health insurance plans, if such a thing were allowed.

“Veterinary care has become increasingly more sophisticated and expensive, with some lifesaving treatments running as high as $5,000 or more,” said Dr. Coates. “Those potential out-of-pocket costs are what make pet insurance a prudent investment. And from an emotional standpoint, pet insurance keeps owners from having to ask that dreaded question, ‘how much can I spend to keep my pet alive?’”

More information is available at www.savewithpetinsurance. com.

Potential out-of-pocket costs are what make pet insurance a prudent investment.

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NAPSI)—Even as federal tax credits for traditional heating and cooling systems have decreased, incentives for geothermal systems remain considerably higher—at 30 percent of the installed cost of the system with no limit. In fact, homeowners can take advantage of the federal residential renewable energy tax credit through December 31, 2016. What’s more, the credit is retroactive to Jan. 1, 2009 and can be used in combination with utility rebates and state tax incentives to make geothermal systems more affordable than ever.

The savings associated with operating a geothermal system are just as attractive. By taking advantage of the abundant source of free solar energy stored in the earth to heat and cool a home, a geothermal heating and cooling system can save homeowners as much as 70 percent on their cooling bills in summer. The system can also provide supplemental hot water, saving homeowners even more. Instead of being extracted from the ground to preheat hot water, the heat comes from the house.

A geothermal system offers a number of other benefits, including even distribution of heating and cooling for improved comfort, a reduced carbon footprint, improved indoor air quality, quiet operation, little to no maintenance and a life span that exceeds 24 years.

To qualify for the tax credit, residential systems must meet ENERGY STAR requirements. Homeowners can file for the credit by completing the Residential Energy Efficient Property Credit, Form 5695. A copy of the form, as well as an informative brochure that explains the federal tax incentive and a listing of those products that qualify for the tax credit, is available on the WaterFurnace website at www.waterfurnace.com.

To learn more about federal tax credits and the many other benefits that a geothermal system offers, visit the site or talk to a WaterFurnace expert at (800) GEO-SAVE.

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Energy Tips

(NAPSI)—There’s a new resource to help keep older adults safe and warm during the cold weather months.

A new brochure, “Winter Warmth and Safety: Home Energy Tips for Older Adults,” provides tips about preparing a home for winter weather and saving money on energy expenses, including:

• Make sure your home is energy efficient by installing a programmable thermostat and sealing and insulating ducts. More advice is available from the Environmental Protection Agency’s Energy Star program at www.energystar.gov.

• Take advantage of special heating assistance funds and utility no-cutoff programs.

Learn More

For a free copy of the brochure, call (800) 677-1116 or download it at www.eldercare.gov.

The Eldercare Locator is a public service of the U.S. Administration on Aging, administered by the National Association of Area Agencies on Aging.

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Retaining walls and pavers add curb appeal to your front entry

(ARA) – Front-porch entertaining is making a comeback in America’s neighborhoods, thanks to homeowners’ renewed interest in beautifying the front entries of their homes. The days of uninspired concrete front stoops have passed, giving way to elegant combinations of freestanding walls, columns and matching pavers to create  welcoming entrances that also serve as gathering places.

Front-entry makeovers that are both eye-catching and functional are one of the hottest trends in landscape design these days.

“Decades ago, neighbors would often retire to their front porches in the evening and gather together for conversation with neighbors up and down the street,” says Lonnie Sekeres, designer at Villa Landscapes in Oakdale, Minn. “That practice is returning as families spend more time entertaining at home and getting to know their neighbors. A creatively designed front entryway can help facilitate that.”

It doesn’t have to be extravagant either. “Doing something as nominal as adding a paver walkway and freestanding wall – along with a new take on plants to accent certain areas – can do a lot to freshen up your curb appeal on a modest budget,” says Sekeres.

New concept, old look
Many homeowners face the challenge of updating a home that looks a bit stuck in the past, but a front entry facelift can be an easy solution. Villa Landscapes transformed a rambler’s small and mundane concrete-slab front stoop into a sweeping paver patio and pergola-covered entryway defined by Versa-Lok retaining walls and columns. The stunning result changed the entire look of the home.

“The original house had a 4-foot-wide step to access the front door,” explains Sekeres. “The owner wanted to provide more useable space for traffic flow through the front door while creating a sense of an old-fashioned front porch. In addition, he wanted to use materials that would complement the existing home and also be low-maintenance.”

Versa-Lok retaining walls in a charcoal-blend color were used for seat-height freestanding walls and columns to create the new porch space. Paving stones in a matching color were used for the patio and walkway surface. The formerly boring square front stoop was transformed into an attractive rounded step that protrudes from the patio, flanked by two columns and faced with a veneer made from slicing off the back of a retaining wall block. The curved lines of the step are repeated in the walkway and in a round raised-bed garden.

The pergola extends from the front of the house, supported by white pillars mounted inside freestanding columns.

“What began as a cold and somewhat clumsy entrance to the house is now a bright and inviting gathering place that adds a contemporary look to what could have been a dated home,” Sekeres concludes.

Front-yard entertaining
Sekeres gave a another family’s home a facelift with a handsome hardscaped front-entry courtyard graced with fresh plantings. A plain concrete sidewalk was replaced with matching pavers to create a fresh look for the home with a new, more neighborly entertaining space.

“The entry had overgrown plants in some areas, bare spots in others. While it’s a beautiful house, it had lost its curb appeal and was in dire need of attention,” explains Sekeres. “Besides sprucing up the look of their home, the clients also wanted to have a spot out front to sit and chat with the neighbors as they passed by.”

The solution was a raised patio that extends from the existing front step to the middle of the yard. The patio is buttressed on the outer sides by freestanding Versa-Lok retaining walls accented at two corners with stylish matching columns.

The patio and sidewalk are paved with Willow Creek paving stones in a cobblestone pattern and color scheme that complements the walls and the home’s existing brick exterior. A variety of new plantings around the wall and patio soften the hardscaping.

“We come out here in the evening and it’s not 10 minutes before someone sees us and stops over,” one of the homeowners beamed. “We just love it.”

For more information on how you can give your home a front-entry makeover, contact Versa-Lok Retaining Wall Systems at (800) 770-4525, or visit www.versa-lok.com.

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Stay Bone-Healthy This Holiday Season and New Year

(ARA) – Winter weather with snow and ice. Holiday parties with tasty treats. The holidays can be a lot of fun, but it is also important for those who have osteoporosis to learn how the season might impact their bone health and what they can do to make healthy New Year’s resolutions.

Osteoporosis, a disease which causes bones to become brittle and more likely to break, threatens nearly 44 million Americans, 55 percent of which are age 50 or older. Nearly one in two women over age 50 may experience an osteoporosis-related fracture in her remaining lifetime. For those at higher risk for fractures, or broken bones, a fall on an icy walkway can be dangerous. In addition to the risk of falling, the holiday hustle and bustle can make it hard to stick to a healthy diet and commit to regular exercise, which are important for people with osteoporosis.

“People suffering from osteoporosis can take extra precautions to avoid suffering an osteoporotic fracture, including being extra vigilant about falling in inclement weather during the winter months,” said Barbara Dehn, nurse practitioner at the Women Physicians Ob/Gyn Medical Group, Mt. View, California. “It’s also important to be more mindful of getting appropriate amounts of calcium and vitamin D while indulging on holiday foods. Post-menopausal women should also see a doctor regularly and follow a treatment plan as directed.”

Thinking ahead to the New Year, it’s always a good idea to commit to living a healthier lifestyle. This includes seeing a doctor regularly. If you are concerned about osteoporosis, a doctor can determine whether you should have a bone mass measurement, also called bone mineral density or BMD test, and can also prescribe treatments to help prevent loss of bone mass. Loss of bone mass means that bones get thinner and are more likely to fracture.

“If you’re a post-menopausal woman, it’s important to see your doctor about osteoporosis screening. If you are diagnosed with osteoporosis, your doctor may consider several treatment options. One prescription medicine – once monthly Boniva (ibandronate sodium) tablets – is used to treat and help prevent osteoporosis in women after menopause. Boniva helps increase bone mass and helps reduce the chance of having a spinal fracture (break). It is not known how long Boniva works for the treatment and prevention of osteoporosis and you should see your doctor regularly to determine if Boniva is still right for you,” Dehn said. “This coming New Year, be sure to take your medication as directed by your doctor to help prevent bone loss in 2012.”

Here are some tips for a safe and healthy holiday season and New Year:

• Keep yourself safe from a fall

• Stay alert and focused
• Wear well-fitting shoes with good treads, especially when walking outside on snowy or icy terrain
• Use night lights when navigating your home in the evening
• Make sure holiday decorations do not block or narrow walkways – indoors and outdoors
• Have your vision checked regularly

• Remember that getting appropriate amounts of calcium and vitamin D are important for bone health

 

• Women age 50 and older need approximately 1,200 mg of calcium each day and foods like milk and dairy products, legumes and certain green vegetables are the best sources of calcium

 

• Vitamin D is crucial for calcium absorption and it is recommended that men and women over age 50 get about 800-1,000 international units of vitamin D each day

 

• People can receive vitamin D through sunlight, dietary supplements and through vitamin D-rich foods like fatty fish and vitamin-D fortified orange juice

• Get active – speak with your physician about activities you can do to build or maintain bone strength

 

• Take osteoporosis medications as directed by your healthcare professional
• Find a support system – visit MyBoniva.com to join a free program that includes a welcome kit, quarterly newsletters with helpful tips on leading a healthy and active life, and monthly e-mail reminders to help you remember to take your medication

 
Please see below for Important Safety Information.

Indication
Boniva is a prescription medicine used to treat or prevent osteoporosis in women after menopause. Boniva helps increase bone mass and helps reduce the chance of having a spinal fracture (break).

It is not known how long Boniva works for the treatment and prevention of osteoporosis. You should see your doctor regularly to determine if Boniva is still right for you.

Important Safety Information
You should not take BONIVA if you have certain problems with your esophagus, (the tube that connects your mouth and stomach), low blood calcium, cannot sit or stand for at least 60 minutes, or are allergic to BONIVA or any of its ingredients.

BONIVA can cause serious side effects including problems with the esophagus, low blood calcium, bone, joint or muscle pain, severe jaw bone problems, and unusual thigh bone fractures.

Before starting BONIVA, tell your doctor if you have problems with swallowing, stomach or digestive problems, have low blood calcium, plan to have dental surgery or teeth removed or have kidney problems

Stop taking BONIVA and tell your doctor right away if you have pain or trouble swallowing, chest pain, or severe or continuing heartburn, as these may be signs of serious upper digestive problems. Call your doctor immediately if jaw problems, hip, groin, or thigh pain develop, or if you have symptoms of low blood calcium such as spasms, twitching, cramps in your muscles, or numbness or tingling in your fingers, toes, or around your mouth.

Follow the dosing instructions for once-monthly BONIVA carefully.

The most common side effects are back pain, heartburn, stomach area pain, pain in your arms and legs, diarrhea, headache, muscle pain, and flu-like symptoms.

You are encouraged to report negative side effects of prescription drugs to the FDA at www.fda.gov/medwatch, or by calling 1-800-FDA-1088.

Talk to your doctor for more information or if you have questions about your treatment.

Please see full Prescribing Information and Medication Guide for additional important safety information.

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How to keep your car running for years longer than most

(ARA) – If you’ve been in an auto dealer’s showroom recently, you won’t be surprised to learn that the average price of a new car is approaching $30,000. While there’s no getting around the price you have to pay for a new automobile, there are plenty of things you can do to make sure you won’t have to make the same investment again anytime soon.

By doing the little things to maintain your car on a day-to-day basis, you can do everything in your power to make your car last long past the day you make your final payment on that car loan.

“Time and miles are the two forces fighting to destroy every car,” says Tom Taylor, engineer and vice president of RockAuto.com. “Giving the car an occasional wash and wax is nice but really not as important as regular maintenance. Driving and maintaining your car as if it needs to last for at least 200,000 miles or 20 years is a smart way to preserve the value of an expensive asset.”

Storage
If you have a garage, make it your car’s permanent home. Reserving a garage space for your car instead of household items that could be stored elsewhere will help you avoid the accelerated wear and tear caused by prolonged exposure to the elements.

If you store your car in a partially protected carport or use a car cover, regularly inspect underneath your hood for signs of vermin. “I recently needed to replace a fuel injector connector that a rat gnawed off our 20-year-old family van after it was left unattended in a carport for just a few days,” says Taylor. “Rats and mice like a nice warm engine bay and they chew constantly to wear down their ever-growing teeth.”

Scheduled maintenance
Your car’s maintenance, engine oil, radiator antifreeze and other components might differ significantly from your last car. Following the maintenance schedule laid out in your owner’s manual is important to protect your vehicle. The photos in the RockAuto.com online auto parts catalog can help you become familiar with the maintenance parts for your specific car. Making sure items like filters, struts and brake pads are replaced when needed will help protect other components, saving you money and unnecessary wear.

Drive smart
Occasionally kicking up your heels is fine, but consistently accelerating too fast can put unnecessary strain on your engine and other moving parts. Stopping or cornering too quickly can prematurely wear out your brakes and suspension. If you’re starting your car in the cold, take it easy at first – letting your car idle won’t help protect your car, but driving a little more methodically than usual while your car warms up will.

Drive less
You don’t need to cut out the annual family road trip – highway miles are among the easiest miles you can put on your car. But eliminating unnecessary trips in everyday life can have noticeable results since the starting and stopping associated with short trips can be tough on your car. Take care of all your errands in one trip, walk with your kids to school if it’s close to home or ride the bus to and from work. If you can cut down on driving by 5 miles per day for 10 years, you’ll save 18,000 miles of driving. Taylor estimates that those miles are worth $4,000 in parts, depreciation and gas. Not only will you save money, but you’ll also put less stress on your vehicle, which should extend its lifespan.

When shopping for a new car, you might be able to save hundreds of dollars by comparison shopping and finding the best price. But good maintenance and driving practices can save you thousands if it means you won’t have to buy another car for 20 years.

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Save money with an ‘enlightened’ roof – and decorate too

(ARA) – Enlightenment isn’t just a state of mind – it can also be an important energy-saving state of being for your home’s roof. By “enlightening” your roof, you can use less energy, save money, and dress up the interior of your home at the same time.

All roofs protect us, and the interiors of our homes, but they can do so much more. They can be the collection and distribution point for an inexhaustible supply of free natural light and energy.  

A roof that uses Energy Star qualified venting skylights, for instance, admits healthful natural light while providing passive ventilation through the natural “chimney effect” of rising air. This is not an insignificant consideration especially in kitchens and baths that have higher moisture and humidity levels than other areas of the home.  

Another kitchen- and bath-specific issue that skylights help address is the need for privacy. Many modern homes are built on small lots, in very close proximity to neighboring houses. “Light from windows is rarely enough, especially in places where lot sizes are small,” says Jennifer Powers of design firm Scott-Ulmann.

Areas of the home where traditional skylights with blinds might not work – such as hallways, closets and small, interior baths – can still admit natural light through less expensive Sun Tunnel tubular skylights. And optional light kits turn these units into 24-hour sources of light.  Low-profile flat glass models that blend unobtrusively with the roof, and domed models, all offer a fast, easy, less expensive way to transform a home with natural light.

In addition to light and ventilation from above, if you add an Energy Star-qualified solar water heating system your roof will work even harder for you. And, in addition to monthly power bill savings, these solar thermal systems qualify for tax credits and other savings that significantly reduce the payback time it takes to recover the initial cost.

Solar power attic fans are also a cost-effective roof addition that helps to reduce mechanical cooling costs while removing damaging moisture from the home.

In addition to the functional qualities these and other roof improvements offer, there are also aesthetic considerations.

Skylights offer room-changing drama and decorating flair while adding natural light from above.  And skylight blinds are now available in colors and pattern choices to mix and match with room decor giving homeowners another interior design tool. Blinds not only dress up a room but also provide light control while increasing the energy efficiency and usefulness of skylights.  

According to skylight manufacturer, Velux America, the addition of blinds can increase the overall energy efficiency of the units by 37 percent. They recommend closing the blinds on high heat/sun days in the summer to reduce potential solar heat gain and, on cold winter nights, closing them to provide an extra layer of thermal insulation to keep warm air indoors. Skylight blinds, as well as the units themselves, can be controlled manually or with a remote.

Modern, low profile skylights are unobtrusive and as dependable as vertical windows.  Information about units with a 10-year no-leak installation warranty, plus an installer locator, is available at veluxusa.com. There’s also a free mobile phone app there to help homeowners see how skylights and blinds would look in rooms in their own homes.

The Velux Skylight Planner App is available for iPhones, iPods, iPads and Android phones.

For government information on window and skylight energy efficiency visit energystar.gov, and for independent agency information visit nfrc.org or efficientwindows.org. For remodeling information visit nahb.org/remodel or greenhomeguide.org.

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