Your Dog’s Diet Could Cost You and Your Dog

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What do you feed your dog (or pets)? Have you ever wondered why your dog seems to get sick or suffer from various ailments, some more serious than others? Do you take your dog to the vet for issues other than regular check ups? Have you ever wondered why your dog poops so much or why the excrement is goop? Have you ever taken a close look at what is in your dog’s diet? Well, you should.

wolf howling Ideally, a dog should eat as a wolf does - a raw diet of mainly meat with a side of roughage (fruits and vegetables, offal, meat, eggs, or dairy foods). A raw diet however is not always practical for pet owners. You need to freeze individual packages of the food and there are hours of work to prepare it monthly.

When we got our dog four years ago we initially went with cheap food from Costco. My boss at the time had just gotten two puppies and he had a membership at the box store. He told us about this cheap food and offered to pick us up supplies when we needed it. Being frugal, and given Mrs. SPF’s family dogs growing up always ate low grade food (this is my first dog), we accepted my bosses offer.

The Results? Not good! Our dog ate a lot of the food (fed as per the bag instructions). She also had very runny and overly frequent poops, which we did not expect. We didn’t expect her to need a slow carb diet but she was burning through carbs like crazy! As we both work we had to crate her during the day and we were always fearful she may have an accident in her cage. After a few bags of this food we went into a local non-chain pet store and started discussing the food (Kirkland). The look on the owners face was enough for us to know we had erred, but then she started to tell us about the problems with the product (see below for the comparable food ingredients). She pointed us to another type of food and explained why the ingredients were superior. Her business monitors the ingredients in the foods they sell and she promised us that if a company changes their dietary composition of the food they would tell us. We’ve had to switch to our now 3rd type of food from this store (due to the “small guy” getting bought out by the big players who reduce costs by reducing quality), but this is great value added as we wouldn’t think to monitor the changes in the food on our own. She also pointed out that since this food had better ingredients we would be feeding less to our dog. At the time we knew the food cost more and she’d eat less but until now we’d never crunched the numbers.

Before number crunching you really need to take a look at the ingredient differences between the higher priced food we buy our dog (Holistic Blend Healthy Dog) and the generic Dog Chow brand.

Holistic Blend Healthy Dog

Holistic Brand Healthy Dog FoodCost: $46.99 - 35 lb bag. 100 lb dog requires about 3.5 cups per day.

Highlights

  • Free range Chicken (Human Grade/No By-Products or Rendered Meats)
  • Naturally Preserved (Rosemary)
  • Holistic & Conventional Vet. Recommended
  • Chelated minerals, whole grains, fruits, antioxidants and herbs
  • Promotes healthy skin and coat
  • Hypo-allergenic
  • Highly digestible and palatable
  • Balanced Omega 6 & 3 fatty acids (5-2 ratio)
  • Ingredients allow for smaller feeding portions

INGREDIENTS:

Chicken meal, whole ground brown rice, hulless barley, chicken meat, oatmeal, chicken fat (preserved with mixed tocopherols, a source of vitamin E), potato, natural chicken flavour, sunflower oil (preserved with mixed tocopherols, a source of vitamin E), wild salmon meal, dried whole eggs, flax meal, yeast culture, dried kelp, tomato, carrots, pumpkin, cranberries, spinach, broccoli, green apple, blueberries, pears, bananas, rosemary extract, cinnamon, turmeric, capsicum, chamomile, dandelion, paprika. Minerals: calcium carbonate, zinc proteinate, ferrous sulfate, iron proteinate, zinc oxide, copper proteinate, copper sulfate, manganese proteinate, manganous oxide, calcium iodate, sodium selenite, choline chloride, l-lysine. Vitamins: vitamin A supplement, vitamin D3 supplement, vitamin E supplement, niacin, L-ascorbyl (source of vitamin C), inositol, d-calcium pantothenate, thiamine mononitrate, riboflavin, beta carotene, pyridoxine hydrochloride, folic acid, biotin, vitamin B12 supplement.

Does Not Have:

Animal By-Products (animal parts leftover after the meat has been stripped from the bone. Chicken byproducts include heads, feet, entrails, lungs, spleens, kidneys, brains, livers, stomachs, noses, blood, and intestines free of their contents. Very little nutritional value)
BHA/BHT (studies dating back to 1974 have shown that BHA and BHT increase the risk of cancer, accumulate in body tissue, cause liver enlargement, and can retard the rate of DNA synthesis and cell development.
Ethoxyquin (ethoxyquin is a pesticide, used in fruit scald control. It is also used as a rubber preservative!)
Antibiotics (can cause arthritis; ear infections; ‘doggy’ odor; dry, itchy skin; urinary tract infections; diabetes; environmental sensitivities; heart disease; cancer)
Growth Hormones (don’t really need to comment on this)
Corn (deprives your dog of the animal based protein that their bodies are better equipped to absorb and retain. Much of the corn protein will pass through your dog as poop.)
Wheat or Wheat Gluten (dogs can not digest it properly and it adds little nutritional value to your dog`s diet)
Sugar (can cause worms)
Salt (can lead to gulping of water, which leads to bloating, and the gas could lead to stomach twisting and a painful death)
Beet Pulp (slows down the transition of rancid animal fats and causing stress to kidney and liver in the process. Can cause allergies and ear infections)
Soya (soy proteins are digestible by dogs, the overwhelming problem is that many are allergic to it)

Now let’s look at Dog Chow

Cost: |30 for 35 lbs. 100 lb dog needs about 6 2/3 cups per day.

Ingredients

Whole grain corn, poultry by-product meal, animal fat preserved with mixed-tocopherols (form of Vitamin E), corn gluten meal, meat and bone meal, brewers rice, soybean meal, barley, whole grain wheat, animal digest, calcium carbonate, salt, calcium phosphate, potassium chloride, L-Lysine monohydrochloride, choline chloride, zinc sulfate, Vitamin E supplement, zinc proteinate, ferrous sulfate, added color (Red 40, Yellow 5, Blue 2, Yellow 6), DL-Methionine, manganese sulfate, manganese proteinate, niacin, Vitamin A supplement, copper sulfate, calcium pantothenate, copper proteinate, garlic oil, pyridoxine hydrochloride, Vitamin B-12 supplement, thiamine mononitrate, Vitamin D-3 supplement, riboflavin supplement, calcium iodate, menadione sodium bisulfite complex (source of Vitamin K activity), folic acid, biotin, sodium selenite.

Not so good! Corn as the first ingredient - bad as it is filler. By-product meal as the #2 ingredient - bad (see above). Corn gluten meal at number 4 - bad - more filler. Meat and BONE meal - bad (see above - and it is listing BONE as an ingredient!). Brewers rice (bad as it is low grade rice - filler). Soybean meal (see above - filler). Barley (another grain - bad). Wheat (see above). Animal digest?! (a quick wikipedia search returns “A cooked-down broth made from specified or unspecified parts of animals (depending on the type of digest used). If the source is unspecified (e.g. “Animal” or “Poultry”, the animals used can be obtained from any source, so there is no control over quality or contamination. Any kind of animal can be included: “4-D animals” (dead, diseased, disabled, or dying prior to slaughter), goats, pigs, horses, rats, misc. roadkill, animals euthanized at shelters, restaurant and supermarket refuse.” OK - GROSS) and after these “ingredients” a whole slew of chemical type sounds words. Does your dog deserve this diet?

Now let’s take a look at the financial numbers behind your dog’s diet.

1 cup of food = 1/2 lb

There are 70 cups of food in each bag.

Dog Chow costs $0.43 per 1/2 lb of food.

Holistic Blend Healthy Dog costs $0.67 per 1/2 lb of food.

The thing to note however, is that the quantity of food your dog eats changes the real cost that you pay per day.

Dog Chow recommends 6.66 cups per day @ $0.43 which equals $2.86 per day for Fido.

Holistic Blend Healthy Dog recommends 3.5 cups per day @ $0.67 which equals $2.35 per day! $0.51 less per day. Over a year you have effectively saved $186.15. Multiple this figure by your dog’s life expectancy (which should be longer with a good diet) and the savings are significant.

The numbers don’t lie and the ingredient list certainly opens ones eyes about the good or the bad for we opt to we give to our dogs. Given lower costs for higher priced food, the fact you will have to buy less bags (which become waste) of food and less trips to the pet store the choice seems simple. On top of all of these great reasons to feed your dog well? Vet bills! A healthy canine won’t be getting as many allergies and infections, not to mention (sometimes incurable) diseases. You won’t have to pay for pet insurance any longer or be forking out your hard earned money in very expensive pet bills. Treat your dog as you treat your money, with care, and you’ll both live happy lives.

The Beauty in Saving Your Skin and the Water Supply

I have sensitive skin and so a while ago I went to a dermatologist for some over the counter skin care cleanser and spot treatment cream. When the labels said the products might bleach clothes, not to mention some other unpleasant side effects, I paused and thought “wait this might bleach my face towel and yet I want to put it on my skin”? What am I putting on and ultimately into my body? Moreover, how will these products affect the environment when they are wash down the drain?

This is not to say that before this realization I was completely naive about skin care products. A couple of years ago I heard about this website Skin Deep and have since been trying to green my cosmetics, skin care products, shampoo etc.

The problem is I have sensitive skin as I mentioned, which is also problem prone skin, and lots of soap free natural products just were not cutting it, hence the prescription from my doctor

But after my “A Ha!” moment with the bleaching cleanser and cream, I was truly committed to greening my skin care regimen without spending too much money! So I’ve been testing several products and have finally found some that really work for me

So twice a day Icleanse my face with Avalon Organics Lavender Facial Cleansing Milk. Twice a week I use dermae’s Microdermabrasion Scrub. These can both be found in gourmet grocery stores here as well as health food stores and of course you can also buy them online. What is really remarkable is that you can get these products for pretty much the same price you would any mainstream cleanser and scrub as these both retail for $11.95 and $32.59 respectively. I used to use similar products where the cleanser would cost $7-$15 and the scrub $30-50 so my budget on these items is relatively unchanged. However, you are not paying for ingredients you really don’t want to be putting on your face. There are a ton of ingredients you want to avoid in skin care products but the ones I look for and try to avoid are phthalates, parabens and petroleum based products as these can be linked to birth defects, cancer, allergies and other nasties.

There are approximately 3,700 cosmetics companies in Canada, most of which were small and medium-sized ones, producing more than 20,000 kinds of cosmetic products. The Canadian Cosmetic, Toiletry and Fragrance Association (CCTFA) is the leading Canadian trade association for the personal care products industry. CCTFA members, which represent 80-90% of the industry in Canada are at the forefront of a $7.5 billion (retail) industry in Canada. This means Canadians spend about $9 billion (retail) on cosmetics. These products are usually removed using water and that water ends up flowing freely down the drains in our sinks and enter the water supply.

Have you tried greening your cosmetics? What products work for you?

edit: check out this post by Prarie Eco Thrifter: 12 Things You’re Using That May Be Killing You and the Planet. We included this post as it came out the same time we published this article!

Weekend Reading - The Renewable Energy Edition

wind farAs we close out our 4th week “live” we continue to read and learn about personal finance. We were blessed by Seeking Alpha ran a number of articles about renewable energy and investing. Right up our alley! We’ll start with their argument that the Washington tax deal may signal that the time is right to buy wind and solar. The argument here is that in order to get his tax bill through, Obama will need to appease both sides of the House which could include the inclusion of an extension to the Treasury grant program for renewables may well be part of the final deal. In a second article, Tom Konrad evaluates the best clean and renewable energy ETFs providing an extremely thorough analysis. Jared Cummans adds further detail to this series in his article Gust of Activity Puts Wind ETFs into Focus. Mrs. SPF has a good understanding of renewable energy and she thinks wind power is the future. Lastly, Andy Li takes a closer look at China’s Ming Yang Wind Power has had recent struggles on the market and could be a great buy opportunity. We bought Ming Yang Wind Power for our RRSP portfolio and it has not done well for us but we’re sticking with it.

RetireBy40 also takes a look at How much Renewable Energy Costs him and discusses the program that helps give back to our supply.

What happens when social finance becomes the new normal? Joanna Reynolds takes a look at this topic and discusses concepts such a Social Venture Exchange and Community Investment Notes. Joanna has given us some new areas to research!

Do you track your net worth? Not sure if you should or not? Roshawn Watson asks these very questions in his post 7 reasons for and against tracking your net worth. We plan to start posting our net worth status starting in 2011 but this is a great read to help people decide what is best for them.

Clark guest posts @ MillonDollarJourney discussing the difficult topic Lending Money to Friends. Our feeling is that lending money between friends will most likely not work out and that you are putting your friendship at risk by doing so.

One of our favourite bloggers, Prarie EcoThrifter, discusses How Saving Time Saves Money. I’ve long been a proponent of this belief - time equals money and some tasks are worth it to us to pay someone else to do them.

Next up, more great articles I read this week, by category.

Personal Finance

Canadian Capitalist writes about the direction of interest rates, which are going up. Rising rates are viewed negatively by those who are lenders but great for savers.

Are you ready to open a joint bank account with your partner? Financial Highway looks at this personal finance approach.

InvestItWisely makes it into our weekend reading once again with another stellar article 5 Responsible Ways to Use Credit Cards. Reap those rewards and pay the bill every month!

Do you have a plan to deal with financial disaster? Cajun Finances gives some ideas on how to make a plan for the worst case scenario.

Dividend Monk writes about how Consumers and Investors Have Influence. We certainly do but too often we do not leverage it.

Investing

Balance Junkie makes the case for China as a Bull and China as a Bear.

Canadian Couch Potato makes a very interesting analogy between a consistently effective star hockey player and the indexing approach to investing. I remember Mike Gartner who was never a superstar but over his career scored a ton of goals each and every year.

Ever wonder why some companies pay dividends and why others should as well? DividendGuy asked this very question this week.

Are you bear or bull on dividend stocks? Like Jim Yih @ CanadianFinanceBlog, we’re bull on these types of stocks.

Lifestyle

Couple Money asks Are Monday to Friday Schedules Outdated? I think they are.

Buy Like Buffet provides 5 Ways to Feel Richer in 2011. Great ideas on how to approach your money and life next year.

Enjoy your weekend reading!

A special thanks to InvestingItWisely, MightyBargainHunter, InvestingThesis, IntelligentSpeculator, DividendMonk, MoneyCone, Boomer&Echo and PersonalFinanceByTheBook for including us in your weekly reading and carnivals. We are happy you have enjoyed some of our work.


http://seekingalpha.com/article/241160-gust-of-activity-puts-wind-etfs-into-focus
http://seekingalpha.com/article/241295-identifying-the-best-clean-and-renewable-energy-etfs
http://seekingalpha.com/article/241506-washington-tax-deal-may-signal-its-finally-time-to-buy-wind-and-solar

Giving to Charity - Sustainability for the Soul

As the financial year comes to an end and the holiday seasons approaches, Mrs. SPF and I have been reflecting on our personal finances which are now very much under control and quite sustainable. As we plan for 2011 we recognized that our finances are strong but that we felt something was missing. We felt as though we were not giving back to the community in which we live with our human or financial resources. It is not as though we weren’t giving to charity, but we felt that we could, and should do more.Giving to Charity

We sat down and looked at our current balance sheet and budget and determined we can afford to be giving to charity and that this is the time of year to do so. Why now? First, this is a time of year where many are in need. The holiday season can be extremely difficult for those who are less fortunate than ourselves. Second, we feel that we were too focused on purchasing presents for people who appreciate them, but are hardly in “need”. Third, we believe that investing in our community has great value. Lastly, we recognize that charitable contributions in Ontario/Canada are tax deductible so while we are out of pocket today, we will receive a significant portion of our donation back from the tax man. We decided that we would donate $1020 to charities in 2010.

We decided to split up our donations relatively evenly. We gave:

  • $150 to the local Women’s Shelter
  • $150 to the Youth Emergency Shelter,
  • $150 to The Alzheimer Society,
  • $150 to a Children’s Foundation (for abused kids),
  • $150 to the local food share,
  • $150 to the AIDS network,
  • $100 to the Humaine Society and a smaller
  • $20 donation to “Mowvember” which is a cause where men in Ontario grow moustaches during the month of November to gain donations to raise funds for prostate cancer.

These organizations all have specific meaning for us and we felt they could use some financial assistance.

How does giving to charity work with tax deductions?

To encourage donations, the federal and provincial governments provide a two-tiered credit system. The amount up to $200 qualifies for a tax credit at the lowest tax rate. The amount over $200 qualifies for a credit at the highest tax rate.

For us, based on the $1020 figure we will get the following tax relief:

15% Federal + 5.05% ONT = 20.05% on the first $200 = $40.10
29% Federal + 11.16% ONT = 40.16% on the other $820 = $329.31

Total: $369.41 tax refund. We will be out of pocket $650.59. This investment in our community will return 36.5%.

We feel this is the right thing to do given our circumstances. We bought a house and a Subaru Outback this year and paid for our wedding in full in the Fall of 2009. We have been able to pay some lump sums against our mortgage and a personal loan. We replaced our computers this year, I bought some tools and Mrs. SPF purchased some hobby items. We can surely find room to give to our communities by donating to charity. For 2011 we are discussing running a contest on this site where we will donate $50 on the behalf of 5 readers as a contest.

Sustainability for our souls.

Photo Credit: Hamed Saber

Local Insurance Brokerages - A Dying Service?

Like many people out there I had not given our home and automobile insurance coverage a second thought. When I bought my first car I used a local brokerage that has a good reputation in town. Each year the policy would be renewed and I never looked for a better deal as I blindly and happily continued to “buy local” so to speak. When I bought my first house I called up the brokerage and had them cover my home insurance and I was happy to hear I got a discount on both the home and car insurance due to using the same company for coverage. My broker assured me that this was the best deal I could get and I believed the broker.

How wrong and silly was I. Naive even.

Our New Insurance - Background

insurance car In the summer of 2010 we were moving to a new house and were buying our new Subaru Outback. I needed to make changes to our policies so once again I called up the broker to start the process of opening new policies on the new car and home and closing the old policies. Once again I was assured that Aviva (previously) Pilot was my best option. The first topic of discussion was our new car insurance. I was roughly quoted about $120 per month. Being a new car it seemed to make sense that I had been paying about $90 a month on our 8 year old car. The conversation then moved to our new house. This is where I learned a VERY valuable lesson. If they don’t ask, don’t tell! Why is this? We bought a 100 year old house that has a boiler furnace and the old style metal radiators. The pipes in the basement that carry the hot water are insulated with well wrapped asbestos (which when well wrapped and left undisturbed is harmless). Silly me, I told the broker this. She said she had to contact Aviva and would get back to me. Our home inspector had stated he saw no issue with the condition of the pipe wrapping so I wasn’t too concerned. A few days later the broker called me and told me that I could get coverage (for $108 a month) but I had to have the asbestos wrapping removed in 60 days or my insurance would be revoked. I was floored not to mentioned annoyed and perturbed at the thought I would need to shell out about $8000 to safely remove the wrappings.

Insurance Provider Assessment

This is when I decided to assess our insurance provider. The thought came to me that this brokerage must make money to survive. Were our monthly payments keeping them afloat? Most assuredly. I decided that I wasn’t overly happy with our new broker (the initial fellow was promoted and no longer managing our file) who worked part time and was very surly in her communications. So the time was right to hunt for the best rate. The first thing I realized is that I don’t need to pay for someone to be available for face-to-face discussions. I would always call or email the broker, so why pay their building lease and office costs too? I went over to the redflagdeals.com forums and discovered an insurance brokerage called TD Insurance Meloche Monnex which was getting great reviews for the cost of their insurance and their service. So I gave them a call. The rep was pleasant and worked to find us a good rate which included a discount for having both home and auto insurance through them. Check out the difference in price using an online/call centre service versus the local option.

Local Brokeragehome108
car120
Monthly228
Yearly Total2736
TD Insurancehome67
car94
Monthly161
Yearly Total1932
Monthly Difference67
Yearly Difference804

Wow! $804 a year?!? 29.4%. That is a significant savings.

I am now referring my family and friends to this TD service. My Dad made the switch and is reporting that their monthly insurance premiums (house, cars) were reduced from $331 to $208 or $1476 annually - a 37.1% saving (they have 2 vehicles). He is ecstatic and I am happy to have helped. I will tell my Mom about this soon as well. As our parents near retirement age and lower income they can use as much savings that they can discover and we’re happy to make them aware of our frugal discoveries. Some may ask whether or not abandoning our local brokerage is in line with our financial and lifestyle philosophy. We always prefer to buy local, when it makes financial sense. In this case, the local option is not sustainable for managing money in our personal finances.

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