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Saturday, March 29, 2008
  Choosing The Best Dry Dog Food
Sometimes, the best dry dog food is the one that your dog will eat the most. It is easier to buy something that your canine will eat as opposed to having them eat dog food that may be better for them, but one that they may not necessarily like. However, there are a few things you need to consider when you walk down the pet food aisles at your local retailer.

Consider the price of the dry dog food. Often, dry dog food that are cheap or are not branded are made with ingredients like fillers and seasonings that are not necessarily good for dogs. These ingredient may be tasty, but they can be harmful to your dog. These dry dog food often have too much preservatives, which can cause your dog to develop health problems that may eventually cause them to suffer later on in life.

To increase the vitality and life expectancy of your dog, go with good quality dry dog food. You don't really need to purchase the most expensive dry dog food there is, but it is best if you stick with dry dog food that is manufactured by a reputable dog food company and is priced reasonably.

The main ingredient in the best dry dog food is rice, corn or soybean. High quality dry dog food will also have other ingredients such as beef and chicken. Stores also sell dry dog food formulated specifically to a dog's age. Manufacturers classify the different types of dry dog food as being for puppies, adult dogs and senior dogs. Purchasing the dry dog food that's most suitable for your dog's age is always important.

If you want to know what are the best dry dog foods, ask your veterinarian. Veterinarians would often recommend the branded dry dog foods. These brands are more expensive, but if you have an older dog, it may be to your advantage to pay a little more for the best dry dog food.

You will know if you've picked the best dry dog food by the way your dog looks and feels. When you take your dog for yearly shots, his coat should be healthy, his eyes should be clear and he should be full of energy. If your pet doesn't look well and seems lethargic, there could be something wrong with his diet. It is always wise to keep notes about what your dog is eating on a daily basis. This way, a veterinarian can diagnose your dog more quickly and recommend the best dry dog food for your pet.

George Chao, owner of Digital Excellent Free Online Magazine - http://www.digitalexcellent.com/

 
  How And When To Teach Your Kids About Money
As a child, money seems to somehow grow on trees as mum and dad always appear to have money to buy things.

Even though this is clearly not the case, its unfortunately the perception of children who live in a very consumer oriented world.

Rather than letting your child grow up thinking that money comes easily, you need to institute some form of education that teaches them how to understand and use money wisely.

Teach them young and they will carry forward that knowledge and live a better financial life. Heres a few tips how :

From ages 3 - 7

1. Show them the value of money by explaining what $2 can and can't buy. It may be an idea to do this whilst walking down the super market aisle or toy aisle (if you are game!).

2. Let them watch you pay for things. You may even start by letting them hand over the cash or pressing the OK button on the ATM.

3. Do not give them notes. Pay their pocket money in coins as your children need to understand how to allocate their money.

4. Show them how to visualise their goals. Get them to draw what they want to save up for. Keep the goals realistic otherwise they will very quickly lose interest.

What they learn -

Different things have different values.
Money simply doesn't grow on trees and that you have to work for your money.
You have to allocate your money for different things

From ages 7 - 12

1. Encourage them to participate in the school banking programme. This will give them a sense of regular commitment to savings.

2. Get them interested in looking at their bank statements and following how much money they are saving. This will get them used to scanning banking paperwork.

3. Get them to start thinking of a long term saving goal and work out how long it will take them to reach that goal.

4. Give them a combination of notes and coins for their pocket money. This will really strengthen their allocation abilities and efficient usage of spare change.

5. Start showing them the family bills and explain positively that the bills have to be paid to keep the family going.

What they will learn
Saving is a planned activity and something that needs a bit of thought rather that just putting away what's left over.
The value of small change
It takes a fair bit of money and good money management skills to keep a roof over their head.

For Teenagers

1. Encourage them to set up their own bank account and use internet banking.

2. Direct debit their pocket money into their account. This will get them used to dealing with intangible payments, and that electronic money is not just a set of numbers.

3. Make them responsible for their own bills such as mobiles. This is a very quick way to teach them how to spend wisely.

4. Try not to lend money to them for purchases that are of an extravagant nature. If they really want it, encourage them to get a part time job to save up enough. If you do loan money to them, do so only on the grounds that you will reduce the amount of their pocket money until the loan is paid.

5. Charge them board if they have a part time job - this will start getting them into the habit of paying their way for things they take for granted - like food and shelter!!

6. Introduce them to the concept of return on investment. Show them the value of putting some of their money into high interest savings accounts or even into managed investments.

7. Highlight the fact that if they start now they will be so much better off down the track.

What they learn

Not only will they learn more modern and more efficient banking techniques they will also learn how to curb their wants, or find ways to earn rather than going into debt for something that is not totally necessary.

It takes money to create money.

Greg R Smith is money expert from Australia who is recognized for his gift to translate the often complex money world into simple over the kitchen table language. He is a qualified financial planner with over 20 years experience and is also a best selling an author, TV presenter, columnist, public speaker and radio presenter. He is also the inventor of a revolutionary money box that will change the way children learn about money forever - visit http://www.moneyedbox.com for more.

 

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