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![]() ![]() Generally, the less reimbursement you choose to receive, the lower your monthly premium will be, and vice versa. This means that when you submit a claim, all the charges that fall within the coverage limitations will be paid back to you at whichever percentage you chose when you enrolled your pet. Most plans offer between 70-90% reimbursement. Issue 1: How much will I be reimbursed, and do I have options? The more you know about these plans and the industry in general, the more likely you are to choose a company that you're ultimately satisfied with.Īs you begin your research, keep in mind that this can be an overwhelming thing to consider, especially for first time pet parents or for those choosing to use pet insurance for the first time! If you're new to pet insurance and looking for the basics, check out part one of our pet insurance series for some of the highlights. In today's post, we’ll get into some of the specifics of pet insurance plans and explore how the fine print in your policy can affect your wallet. While there's no way to know for certain until you sign up for a policy and experience a company's claims process for yourself, there are many aspects of pet insurance plans that can help shed light on how happy you'll ultimately be with that company. If your dog or cat develops a chronic condition and you're unhappy with the way your insurance provider handles your claims, you cannot switch companies unless you're willing to accept that the condition that made you choose to switch will no longer be covered. Still, because pet insurance does not cover pre-existing conditions, pet owners really only have one chance to get it right. As the market for pet insurance grows, the increase in the number of companies offering insurance is actually working to the benefit of the consumer, leading companies to design plans that are more likely to benefit their customers in order to avoid being edged out of the market by their competition. This data is for anecdotal purposes only.There's no doubt that pet insurance is growing in popularity. AKC does not guarantee that these statistics are scalable to the overall population. Self-selecting methods were used in recruitment for this study.Many lived in a suburb (34%) or urban area (28%). Respondents were primarily females (76%) between the ages of 35-54 (47%).A total of 1,001 surveyors responded voluntarily to 11 questions. The survey was conducted by the American Kennel Club during a two-week period in July 2004.General Supplies: bowl, crate, leashes $350.68.8% in the suburbs, 70.2% in small town, and 75% in rural areas). ¾ Only 60.4% of people in city/urban areas felt costs were about what they expected (vs. only 3% who said it was less than anticipated. Twenty nine percent said costs exceeded expectations, vs. Nearly 68% said the costs of dog ownership were about what they expected.Less than 14% said the cost deterred them “significantly” or “quite a bit.” ¾ People in city/urban areas – more than any other area – felt the cost might deter them from getting another dog (40.6%) Forty seven percent said the cost of dog ownership would not deter them from getting another dog.The only exception was medium dogs, which cost slightly more to care for annually ($2,628) vs. Giant dogs cost the most ($3,321) to care for annually, vs. ¾ The price of owning and caring for a dog decreased with the size of the dog, no doubt mainly due to food consumed. ¾ Not surprisingly people in rural areas and small towns were more likely to have a large dog (53.4% and 52.7% respectively) while slightly fewer (43.8%) urbanites had large dogs. The smallest percentage (6.7%) owned a giant dog (Great Dane, Mastiff). Over 40 percent (42.7%) owned a large dog (Labrador Retriever, Golden Retriever, German Shepherd) 22.5% owned a medium dog (Cocker Spaniel, Corgi), the same number a small dog (Boston Terrier, Shih Tzu) and 11.7% a tiny dog (Chihuahua, Yorkshire Terrier).Annual costs averaged $2,500 for a dog’s food, grooming, vet check ups, pet-sitting fees, etc.One-time costs such as a crate, spaying/neutering or emergency vet care, ran an average of $2,100.An online survey of more than 1,000 visitors to determined what responsible owners can expect to pony-up for their pooch: While the benefits of pet ownership far outweigh the costs, every responsible dog owner knows that along with love and companionship comes financial responsibility. We think so and there are a number of choices in this category, ranging from the venerable Piper Cub, the Aeronca Champ, more shortwing Pipers such as the Super Cruiser, the Pacer and, what the heck, the Tri-Pacer, plus the Cessna 120/140 series. If you never fly far, fly only in the warm months and then only a few hours a year, why own a fast retrac? Wouldn’t an old ragwing with a small engine and tandem seating be just the ticket for an evening jaunt over the estate? All are cheap but hardly what we would call mainstream choices. Examples: An Alon Aercoupe or a Rockwell Darter or Lark. That also argues against something that’s too weird or likely to be considered an acquired taste by a potential buyer. On the other hand, if you buy a fast appreciator – a J-3 Cub – you might actually realize a slight profit at resale time and you won’t lack for buyers when you’re ready to sell. If you buy something truly odd – dare we say it, a SeaBee – the market may be limited at resale time if you really want to unload the thing. We know it sounds cynical but would you rather pay $1200 for a new aileron or $300 for a used one? Why? More have crashed and are in the boneyard, where they can be cannibalized for parts. Generally, when cheap tops your list, the more of a particular model that was built, the better. We’re not saying they’re not good buys, but know the engine numbers going into the deal. And watch for nice airframes that have oddball, expensive-to-overhaul engines, such as pre-1968 Cessna 172s. These can be both a nuisance and expensive. When buying cheap, it’s important to avoid models with long-as-your-arm recurring AD lists. For that reason, picking the oldest model of anything is not always the least-expensive way to own an airplane over the long haul. They’re out there for a song but the airframes are dated, some are historically poorly maintained and parts can be both hard to find and expensive. Older Bonanzas are a good example of this. It’s sometimes worth spending a little more for an airframe or a type that’s easy and cheap to maintain than buying rock-bottom into a maintenance hog. When purchase and maintenance cost is a primary consideration, airplane shopping is tricky. If you’ve got the wallet to consider a medium or cabin-class twin, cheap-to-keep is not a consideration. Cheap is not always the lowest purchase price but the best value for the dollar.įor the sake of simplicity, we’re picking five categories: putt-around-the-pattern flivvers, entry-level trainers, fixed-gear cruisers, economy retracts and affordable twins. Herewith then is our survey of some of the cheaper airplanes to both own and keep, thus “cheap to keep.” Now let’s cut through the confusion here at the outset: We’re not saying these are the best airplanes in their class, the fastest or the prettiest, just the cheapest to buy and maintain based on current Bluebook Price Digest values. Yet if flying isn’t the center point of your life but you still want to own an airplane, there are affordable ways to have both an airplane and enough money for dinner and a movie once a month. The Triangle Mastercard and the Triangle World Elite Mastercard do not have an annual fee. ![]() The billing period covered by each statement can be from 28-33 days. For residents of Quebec, the period between the statement date and the due date for payment is 26 days. The minimum payment is the sum of (a) the greater of: (i) interest and fees shown on your statement + $10 or (ii) 5% of the New Balance, excluding amounts on special payment plans, (b) any balance over your credit limit, (c) any amounts past due not included in (b) above, and (d) the amount of any equal payments plan instalments then due. Some applicants may receive a higher or lower regular annual rate depending on a credit evaluation. Offer subject to change without notice.Īdditional information for residents of Quebec only: The regular annual rate for persons applying for the Triangle Mastercard and the Triangle World Elite Mastercard is 22.99% for cash transactions and related fees and 20.99% for all other charges. Any unpaid portion not received by the due date will no longer form part of the equal payments plan and interest will accrue on that amount from the day after the date of your next statement at the applicable regular annual rate. Each month during an equal payments plan you are required to pay in full by the due date that month’s equal payments plan instalment. There is no administration fee charged for entering into a special payments plan. However, if we do not receive the full minimum due on a statement within 59 days of the date of that statement, or any event of default (other than a payment default) occurs under your Cardmember Agreement, all special payment plans on your account will terminate and (i) you will then be charged interest on the balances outstanding on such plans at the applicable regular annual rate from the day after the date of your next statement, and (ii) the balances outstanding will form part of the balance due on that statement. Interest does not accrue during the period of the plan. Dealers may sell for less.įinancing available is “Equal payments, no interest” for 24 months (unless otherwise stated) and is only available on request, on approved credit and on purchases of $150 (unless otherwise stated) or more (Gift Cards excluded) made with your Triangle credit card at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts. **Online prices and sale effective dates may differ from those in-store and may vary by region. ±Was price reflects the last national regular price this product was sold for. The tire producer / manufacturer and Canadian Tire uses this fee to pay for the collection, transportation, and processing of used tires.ĬANADIAN TIRE® and the CANADIAN TIRE T riangle Design are registered trade-marks of Canadian Tire Corporation, Limited. ![]() △The tire producer / manufacturer of the tires you are buying, and Canadian Tire is responsible for the recycling fee that is included in your invoice. Review date: 9/5/18, written by Alex Caldwell of There may be a few too many slow-rise ballads here, but Look Up Child is a very good follow-up album, and in terms of sheer quality and sophistication, it's also one of the year's best and most mature work. ![]() Ending with the old hymn, "Turn Your Eyes On Jesus," is a great way to bring the album's theme full circle. The theme of hope can be handled in hackneyed fashion in much of Christian music, but Daigle takes her calling seriously, and handles the theme deftly. That might be Daigle's greatest strength on Look Up Child, the relentless, encouraging, positive drive in the music and lyrics. Again referencing the Psalms, with the instructions to "look up" in times of trouble the lyrics are poetically rendered in a way that gives hope without being cloying or speaking down to the listener. The title track is perhaps the best song here, and serves as a pulsating anthem of hope. The use of the Psalmic metaphor for God's love (that the Lord cares for his children like a mother hen gathers her chicks under her wing for safety) is well-used, and matches the feel of the song wonderfully. Daigle nails the vibe here, and the swinging Caribbean feel is just what is needed to break the mid-tempo spell. Thankfully, the ship is righted a bit, and tempos shift on the Reggae-lite "Under Your Wings," which sounds right out of the Bob Marley songbook. Like the "Rolling" opener, both tracks are well-done, and feature great lyrics, but to have two familiar-sounding tunes is a little puzzling. Current single "You Say" continues the string of ballads with a melody that, alas, sounds a lot like Adele's iconic "Someone Like You" in both its melody and performance. The following "This Girl" continues in this slow-rise pattern, but likewise builds nicely to a barn-burner of a climax. (Even the title is reminiscent of that other song.) Second track "Rescue" slows down the tempo, but builds into a soaring, old-school soul ballad with pleading, emotional vocals and a wonderful backing choir (one that appears a number of times before the album is through). "Still Rolling Stones" opens the album up in fine, swinging style, but treads a little too close to Adele's "Rolling In The Deep" for comfort. Daigle could sing the bark off a tree, and that powerful voice is set against massive string sections and a sharp group of backing musicians. ![]() But listened to on its own merits, Daigle and company have crafted a vintage soul album that sounds fantastic and sports some of the best melodies and performances of any album out this year. ![]() Well, based on the large shadow cast by the debut, Look Up Child falls a bit short of the massive impact that album had. So where does that leave Look Up Child, Lauren Daigle's much-anticipated follow up album? Debut How Can It Be was the bestselling album of the last few years in CCM, and dominated the radio waves and charts since its release in back in 2014-15 (between the ep, full-length and deluxe album versions). ![]() Even Adele (the closest musical comparison to Lauren Daigle) hit fantastically big on her second album, and was given some time and breathing room to produce her third one. (CCM newcomer Zach Williams will soon face this challenge, too.) Much of the struggle to do this can be attributed to having only one album with which to compare the new songs to. Artists as diverse as Hootie & The Blowfish, Jars Of Clay, Alanis Morrisette, Matchbox Twenty and for KING & COUNTRY have all faced the monumental task of topping (or at least matching) the popularity and sales figures of their debut album. Movie Reviews (Main) > Movie Reviews (Main)įollowing up a huge hit debut album is one of the trickiest propositions in all of popular music.Indie Reviews (Main) > Indie Reviews (Main). |
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