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How to solve cat litter box problems
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How to solve cat litter box problems

If you’re frustrated with how your cat uses its litter box, you’re not alone. Most cat owners admit that their furry friends develop issues with their litter boxes, which can be anything from not using the box altogether to defecating or urinating inside and outside the box. Health and behavioral issues could be attributed to this. Thankfully, there are a few tried and tested methods that can help solve your furry companion’s litter box problems. Consult the vet Before you try anything else, it’s best to take your cat to the vet. Sometimes, health issues can prevent your cat from using the litter box properly. These issues may include painful urination, constipation, diarrhea, injured paws, arthritis, dementia, diabetes, or kidney problems. The vet may inquire about your cat’s litter box problem in detail and recommend a urinalysis, stool check, or a blood test. Place the box in an appropriate location Like humans, cats need privacy when they do their business. If the litter box is currently located in a high-traffic area, move it to a quiet place where there’s the least disturbance. However, make sure that the new place isn’t too far or isolated, like in the basement. Also, avoid keeping the box close to their bed or food bowl.
Types of cat litter and their effects on humans
pets

Types of cat litter and their effects on humans

One may have to deal with cat waste if they have a domesticated feline friend at home. Many pet owners prefer using cat litter as they are easy to clean the excreted waste. All pet cats are litter trained, meaning they will only pee or poop inside the cat litter placed in the house. As a pet parent, one must ensure that the litter box is cleaned at least twice daily to keep it germ-free. But are there any dangers to having cat litter? Let’s find out. While having a cat litter box at home may not expose humans to fatal dangers, cleaning the litter box may lead to health issues if one is not careful with this sanitation process. There are different types of litter. Therefore, one must know how to manage them as they can adversely affect human health in the long run. Clumping litter Clumping litter contains bentonite, a substance that allows the liquid to clump together. According to the Centers for Disease Control and Prevention (CDC), it is best if humans do not inhale or ingest this substance. Some of these clumping cat litters also contain silica, which has carcinogenic effects leading to an increased risk of lung cancer.
5 simple ways to toilet train a cat
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5 simple ways to toilet train a cat

One of the main concerns for new pet parents is toilet training their feline friends. Cats are smart species; they understand the tricks within a few weeks. However, teaching them the correct techniques from day one is essential as it will gradually mold the cat’s behavior toward using the toilet bowl or litter boxes. The transition can be challenging, so we have listed seven simple steps to help with the process. Decide and prepare a designated bathroom Choose a bathroom that is easily accessible to your pet. And place the litterbox close to the toilet. The idea is to get your cat to “go” in the litter box and train it to use the toilet bowl gradually. The cat will get familiar with the new spot eventually.  Move the litter box closer to the toilet bowl Move the litter box an inch closer to the toilet bowl. It will also be convenient for the pet parent to clean the box when they want to. Get rid of a layer of litter to a point where there’s a thin layer left in the box.  Raise the height of the litter box Stack a pile of newspapers, old magazines, or cardboards under the litter box, and gradually raise the height, so that the cat can easily jump onto the box.
5 plants that repel ticks effectively
pets

5 plants that repel ticks effectively

People with pets in their house have one thing common to worry about – tick or lice infestation. Particularly during summers when the chances of flea and tick infestations increase. Your backyard can turn dangerous for your pets. But the solution for this is simple. You can protect your pets by growing any of the below-listed plants. These act as effective flea and tick repellants. They can repel fleas and ticks due to their scent. Lavender The plant belongs to the mint family and is quite useful in fending off bloodsucking parasites like ticks and mites from your backyard. Planting lavender in your backyard or home garden will keep your pets and your house protected from any pest infestation. Eucalyptus Among its many uses, this herb is also effective in warding off pests and ticks from your house. Pet owners can also make a tick-repellant spray by using rosemary oil and water in equal parts. This spray is perfectly safe and can be used on your pet’s fur. Wormwood It’s a wild plant that grows almost everywhere. Wormwood’s smell and  the chemicals it produces are known to repel ticks. It is also known for its signature bitter taste that animals hate.
5 fragrant plants that repel ticks
pets

5 fragrant plants that repel ticks

Fleas and ticks are probably the most annoying things you have to deal with as a pet parent. You might have tried it all, and everything must have worked fine. But the moment you grow lenient, they are back. Ticks do not go away permanently, so you have to be vigilant round the clock. One way to deal with these parasites is to grow plants that repel ticks in outdoor and indoor gardens. Sage Many use sage leaves to enhance the taste of food. Interestingly, the plant is also great at repelling ticks and protecting your pets. So, consider growing sage indoors to prevent infestations. Lemongrass As the name suggests, this plant smells like lemon. While the fragrance may be appealing to you, it repels parasites. Many prefer growing this plant to repel ticks as it requires little maintenance. Lavender While this plant is known for its calming properties, insects would beg to disagree. Lavender is an effective repellent against moths, mosquitoes, and ever-annoying ticks. Its color, as well as its scent, are unappealing to the blood-feeding parasites. Garlic Ticks find the scent of garlic abhorrent. So, if you are looking up for plants that repel ticks from your household, grow this one in your outdoor and indoor garden.
7 human foods that cats can have
pets

7 human foods that cats can have

Sharing food with your cat doesn’t always have to be dangerous! Even though it is advisable to keep your pets away from some human food like onions, garlic, sugar, chocolate, dairy, caffeinated products, raw dough, nuts, salt, xylitol, grapes, and raisins, it is safe to treat your pets to some human food every once in a while. Here are 7 human foods that are safe for your kittens to consume. 7 human foods you can share with your cats Fish Canned or cooked fish like salmon, tuna, herring, mackerel, and crab are good for your cats as it helps their eyes stay sharp and helps them with arthritis, kidney disease, and heart disorders. Fatty fish contains nutrients like omega-3 that can help with your cat’s heart health. However, it is best to avoid giving them raw fish as it can be dangerous for your cat’s health. Whole grains Cooked whole grains are easily digestible for cats and are popularly found in most dry cat foods. Grains like oats are a good source of protein, iron, and fiber, and they’re easy to make as well. Many cats like eating corn, and a coarse cornmeal called polenta as well. Other grains that you can give your cats include brown rice, barley, wheat berries, millet, and couscous.
7 human foods that dogs can safely relish
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7 human foods that dogs can safely relish

You can feed your pet puppy or adult dog the best foods for them. But even then, they’ll watch you with beady eyes while you eat your meals. Of course, you can give them a little bit from your plate. However yet, most people are unaware that only a few human foods are safe for dogs. So feed them from the ones listed below to ensure they stay healthy and free from health complications. Dairy Dairy like cheese and milk, fed in moderate quantities is safe for your pet dog. Some dairy products are rich in unhealthy fats, which are also harmful to puppies or adult dogs. Give them lower-fat dairy varieties such as cottage cheese, low-fat milk, or mozzarella. Protein, calcium, vitamin A, and B-complex vitamins are some nutritional benefits dogs receive from low-fat dairy products. However, skip dairy products if your pet is lactose intolerant. Unsalted peanut butter Peanut butter that is unsalted and does not have added sugars or sweeteners is safe for dogs to eat in moderation. The food contains vitamins E and B, healthy fats, and proteins. These elements are essential to improve your pet’s health. However, before giving your dog peanut butter, check the label to ensure it’s free of xylitol sweetener, which is highly toxic for pets.
Top 10 Black Friday cat food deals to expect in 2022
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Top 10 Black Friday cat food deals to expect in 2022

As a cat parent, you’d know your pet’s food choices. Some cats may prefer fish-based food, while others may eat only a chicken-based meal. Vets always recommend that you constantly change their food so that they can enjoy varied flavors and look forward to their meal times. What better time than Black Friday to stock up on all the different cat food flavors, as almost all leading cat food brands offer discounts on their products? Listed below are the top 10 best Black Friday cat food deals that you can check out: Hill’s Science Diet Dry Cat Food Kitten Recipe Hill’s Science is a vet-recommended food brand for your kitten. It is rich in Docosahexaenoic Acid, a natural omega-3 fatty acid crucial for developing your kitten’s brain and nervous system. It also promotes bone growth and dental health. You can expect a 28% discount on Hill Science cat food. Wellness Healthy Indulgence Morsels Grain Free Wet Cat Food Pouches One 3-lbs pack of Wellness Healthy Indulgence Morsels Grain-Free Wet Cat Food Pouch contains 24 pouches. The main ingredients are salmon and tuna bound in a savory sauce that cats love. It is good to build your cat’s immunity and keep it energetic all day.
10 best dog food Black Friday deals
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10 best dog food Black Friday deals

If you cannot cook home meals for your dog, you can choose from foods like Kibble or dry, canned, semi-cooked, and raw food. Talk to your vet to understand the best type for your pet based on their breed, age, size, weight, and activity levels. Start by feeding them smaller portions and check for allergies before making them permanent. Refer to our list of 10 best Black Friday food deals for your furry friend. Purina beyond beef, potato & green bean recipe ground entrée grain-free canned dog food, case of 12 The main ingredients are beef, potato, and green bean, all ground and enhanced with prebiotics, fiber, essential minerals, and nutrients. It contains no fillers or poultry by-products and is free of synthetic additives. Black Friday deal: 31% off Blue Buffalo Basics limited ingredient grain-free dog Food – large dog This pack is best suited for large dogs that need extra food portions. The package contains chicken, lamb, and salmon. It also has apples, tomatoes, blueberries, and pumpkins that are highly antioxidative to build immunity. Black Friday Deal: Up to 30% off American Journey salmon and sweet potato recipe grain-free dry dog food It is a combination of salmon, fruits, and vegetables that gives your dog protein, antioxidants, and phytonutrients in one shot.
7 human foods that dogs can enjoy
pets

7 human foods that dogs can enjoy

Like humans, our furry best friends, dogs, need a balanced meal plan to help them live long and healthy lives. If you are someone who cooks meals for them daily, here are some human foods that can easily be added to their bowl for some much-needed nutrition and taste. However, always observe your pet to check if they like these foods and respond well to them. Here are some of these foods: Veggies Our furry friends are just as much in love with veggies as us humans. While not all vegetables are good for them, you can safely give them foods like carrots, green beans, peas, and even pumpkin. These veggies are good for your pets as they are dense in nutrients and easy to digest. Pumpkins are great dogs as they are known for keeping the gut healthy and relieving any digestive issues. Green beans are known for their high protein, iron, calcium, and vitamin K nutrients that keep your furry best friend healthy. And carrots have vitamin A, beta carotene, and fiber content that keeps your dog healthy and happy. Peanut butter This is another extremely safe human food to feed your dog in small to moderate quantities.

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A look at some of the best free investment advisors
finance

A look at some of the best free investment advisors

As a beginner investor, investing too much money at the start can be quite difficult and overwhelming. However, if you choose the right brokerage account, you can earn a lot back from it in terms of investment knowledge. So if you are looking for the best cost-free investment advisors to provide you with long-term portfolio management services, then you have come to the right place. Here is our collated list: Interactive Brokers Investment Brokers has an entity known as IBKR Lite, which offers commission-free trading on various commodities. It mainly covers exchange-listed stocks as well as exchange-traded funds (ETFs). It also offers low-priced access to various global markets without any account minimum or inactivity fee. Additionally, it offers the best competitive interest rates, while its client portal, which offers trading and account management services, is highly preferred by users. One of the most notable points is that IBKR Lite has been around for over 40 years, having earned the trust of a vast client base. You Invest by JP Morgan Chase You Invest Trade, offered by JP Morgan Chase, is one of the best low-cost investment advisors. It is complete with a range of commission-free ETFs and stocks that can be traded online.
Reverse mortgage eligibility and its criteria
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Reverse mortgage eligibility and its criteria

As you approach retirement, most of your money has been invested in your home. A reverse mortgage is an excellent way to tap into your home’s equity. If you have paid off a home loan or have only a small amount to be paid, it is a good option to meet various financial goals. Here are the criteria for reverse mortgage eligibility: Personal criteria Age You must be 62 years or older, to apply for a reverse mortgage. Generally, as you grow older the Home Equity Conversion Mortgage (HECM) amount increases. Property The home should be your primary residence, and you need to live there for the entire duration of the reverse mortgage. Rental properties and vacation homes do not qualify for such mortgages. Home equity You should be the owner of your home outright or possess a minimum of 50% home equity. There is a possibility that you may qualify for a reverse mortgage despite having some outstanding balance on your existing home loan. However, the criterion is that you must first pay off the remaining mortgage from the sanctioned amount and meet other liens. The balance funds may be used for any other purpose. Using a reverse mortgage to refinance existing debt is beneficial in reducing your monthly cash outflows.
Top 10 debt settlement companies to consider
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Top 10 debt settlement companies to consider

A lot of people get stuck in debt due to many reasons. The interest rates keep adding up, taking a toll on an individual’s financial stability. In such a case, debt settlement can be quite helpful if you wish to settle a large amount. Here is a list of top 10 debt settlement companies that you can consider to help ease the burden off your shoulders. National Debt Relief National Debt Relief has the most detailed insights on their website that can help you with debt settlement. It talks about the debt qualification, the amount of money you need to pay for enrolments as well as the debt relief services that they offer. The average savings after the fees is around 30%. CreditAssociates This particular company is known for helping clients with the elimination of debt. They undertake this entire process between twenty-four to thirty-six months. They use enhanced software, and the outstanding expertise of their team to help their clients with great debt negotiation services. Pacific Debt Inc This is one of the top 10 debt settlement companies that you can consider. You need to have a minimum of $10,000 in debt to avail their services. They offer an affordable monthly program/plan with payment as well as upfront fees.
6 top business credit card companies
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6 top business credit card companies

The right business credit card can help you save thousands of dollars. Business accounts can earn more rewards like discounts, hotel stays, and cashback offers. You may also use these cards to meet short-term financial requirements. In case you haven’t applied for one yet, you must check out 6 of the top business credit cards that you can apply for to make your life easier. American Express Blue Business® Plus Card This is an ideal business credit card offered by one of the leading credit card companies and does not levy any annual fees. You receive twice the Membership Reward ® points upto $50,000 with no category restrictions, which reduces to 1% thereafter. The cashback earned automatically gets credited in your statement. The regular APR on this card is 13.24% to 19.24% variable. CitiBusiness® AAdvantage® Platinum Select ® MasterCard® This is an excellent option if you undertake frequent business travel with American Airlines. You earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Additionally, the card offers 2 AAdvantage® miles for every dollar spent on telecommunications, fuel, car rental, and cable and satellite services. All other purchases earn you one mile for every dollar spent. The annual fee is $99 (waived in the first year) and regular APR varies between 15.99% and 24.99%.
Top 6 NNN properties for sale in the country
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Top 6 NNN properties for sale in the country

NNN properties are known as triple net lease properties and can be categorized as single-tenant properties that are available for lease. In these properties, the maintenance fees, taxes, and insurance have to be paid by the lessee instead of the landlord. These costs have to be borne by the lessee in addition to the rent. Here are some of the top NNN properties for sale: 7-Eleven, Texas There are plenty of 7-Eleven properties that come under the category of NNN properties. This one is our top pick at the moment, as it serves two commodities that are always in demand: gas and foods. The property is on the 3601 West Freeway in Fort Worth, Texas, making it quite a hot spot for sale. The current annual rent for this property is $267,500, while the cap rate is 5.75%. Burger King, Florida Burger King is one of the country’s favorite fast-food chains. The current annual rent for this property is about $140,000, and the cap rate is 5.15%. This property was built quite recently as compared to the other options on our list, and it has the potential of providing good returns quickly, as it is in a strategic location on SW Port St.

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6 high dividend ETF funds you can invest in
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6 high dividend ETF funds you can invest in

Before you search for the best dividend exchange-traded funds (ETFs), it is recommended you understand your needs and overall investment objectives. ETFs are hybrids of mutual funds and stocks. When you invest in the ETF, you purchase shares in the fund, which buys the underlying asset. Here are six of the best high-dividend ETF funds: Vanguard High Dividend Yield (VYM) This ETF adopts the simple method of choosing stocks that have higher dividend yield when compared to other companies. This has resulted in building a diversified portfolio comprising 400 stocks with higher market capitalization. The majority of these stocks belong to the healthcare, consumer, and financial sectors. During the last decade, VYM delivered average annual returns of 12.9%. The expense ratio is the lowest in the industry at 0.06% per annum. Vanguard Dividend Appreciation (VIG) The ETF focuses on investing in companies that have a long history of increasing their dividend payouts over the years. The portfolio includes approximately 180 stocks with low yields. The ETF has earned average returns of 12.6% per year over the last 10 years. The expense ratio is 0.06%, which makes it an excellent option if you do not mind lower dividend returns currently but want to earn more in the future.
Top 5 providers for automated investments
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Top 5 providers for automated investments

Roboadvisors are gaining popularity as these investment programs offer affordable financial advice to a large number of investors. These automated advisors use an algorithm to recommend investment options that best suit your requirements. The best automated investing algorithms offer simple account setup, portfolio management, low fees, strong goal planning, and security. Here are the top five providers of automated investments. Betterment This roboadvisor is the best for delivering top-quality services. You may sync various financial accounts without investing to gain an overall picture of your investment portfolio. You may choose the pre-built Betterment portfolios or customize one to meet your needs. The algorithm gives you the flexibility to add new goals as required while monitoring your progress without any difficulties. The advisor charges between 0.25% and 0.4% management fees with no minimum account requirement. Wealthfront It is one of the largest Robo-advisors and provides goal-based investing enabling you to understand the future effects of your financial decisions. You may choose from a wide range of portfolios that comprise individual stocks to meet your financial goals. Once your portfolio accumulates USD 25,000, Wealthfront allows you to borrow against its value. The service provider also offers margin lending. The management fee for most accounts is 0.25% and you need an account minimum of USD 500.
Top 5 retirement investment funds for your portfolio
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Top 5 retirement investment funds for your portfolio

Most people work for decades so that they can make investments and collect sufficient funds for their retirement years. Having enough savings for the golden years is ideally the most significant goal for you as an investor, but the volatile market may make it difficult to understand which retirement funds are suitable for you. To help you out, here are the best retirement investments that you can include in your portfolio: Vanguard Target Retirement 2035 Fund This retirement fund is created for investors who want to retire early so that they can enjoy the benefits of their investment within 15 years. However, even if you don’t want to retire that early, this fund has various offerings that make it one of the best retirement investments available in the market. As of now, this retirement fund offers a current yield of over 2%, and the expense ratio is 0.14%. Plus, Vanguard is quite a trusted name for keeping your money safe. Northern Global Tactical Asset Allocation Fund This fund offers one of the best diversifications and a lot more protection in case the fund underperforms. So, it invests in mutual funds and exchange-traded funds and aims to provide long-term capital appreciation at an expense ratio of 0.58%.
Top 5 capital providers for your business
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Top 5 capital providers for your business

People who wish to set up their business ventures need additional funding to get going. Many banks and financial institutions help promising businesses with the same and in this article, we would be covering guaranteed business loan providers. You can check the following list out when looking for business loan providers. Wells Fargo Wells Fargo is one of the best financial institutions when it comes to guaranteed business loan providers in the market. It offers various other financial products. It claims to be a leader when it comes to small business loans. The unsecured business loan has varied loan amounts starting from $10,000 and going up to $100,000. The term for this product is between one to five years. Additionally, you can go for other loans offered by Wells Fargo, such as the Equipment Express Loan or the Advancing Term Loan. Capital One Capital One does not only offer good deals on business credit cards, its business loan is worth considering too. If you are looking at a funding source that can help expand your business or get going with the operations, then we highly recommend you to choose the business loan offered by Capital One. Starting at a minimal amount of $10,000 and a maximum term length of 5 years, the repayment term is simple and can be done on a monthly basis.
All you need to know about home insurance policy
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All you need to know about home insurance policy

Buying a home comes with a lot of responsibilities. There are a lot of risks that come with owning a home like the risk of theft and property damage. Investing in the right kind of home insurance policy is important so as to be financially prepared for these risks. There are several different companies in the market that offer home insurance policies with different kinds of terms and coverages. Remember the following points before choosing a home insurance policy. Explore your options As mentioned earlier, there is a wide variety of home insurance policies available to homeowners at this time. When selecting one, it is important to consider factors like what potential risks are being covered in the policy. It is also important to consider the company’s record in your area, whether they are reliable as insurance providers, and their response time. Ask about discounts Home insurance policy in 2021 offers additional services and discounts. They may offer discounts on additional safety installment services such as installing an alarm system, smoke alarm, or better locks. There may also be certain offers for old and retired personnel as well as some discounts for policies when taken via your employer’s or organization’s reference.
5 technologies revolutionizing financial services
finance

5 technologies revolutionizing financial services

For any industry to sustain itself in today’s world, implementing digital strategies has become indispensable. This holds particularly true for the financial services industry. The good news is that digital transformation in financial services has already begun, and we’ll likely see more and more innovative technologies underpinning banking and financial institutions in the coming years. Keep reading to learn about the latest digital transformation trends in the financial services industry. Big data and artificial intelligence The combination of big data and artificial intelligence is a revolutionary digital strategy that is shaping the future of banking and financial services. The technology helps institutions process, store, and drive valuable insights from the data they gather from their customers’ activities. Big data and artificial intelligence allow institutions to create a highly personalized experience, helping businesses attract and retain customers. Blockchain Blockchain is a fairly new technology that is becoming increasingly popular in the financial services industry. With blockchain technology, all transactions are permanently stored in the blockchain network, providing the highest level of transparency and security. Nobody can tamper with these transactions, which nearly eliminates the risk of error and fraud. Besides security, the technology is being explored for use in a wide variety of banking and investment applications.