Training a Dog: What Works

Training a dog takes a lot of patience, time, effort, and sternness. As the owner, you have to set the standard for what you will and will not tolerate. This takes time and can be frustrating. However, as long as you are persistent in your training, your dog will learn soon enough.


In order for your training efforts to work you must be consistent. To accomplish this, make sure all members living with the dog are involved and aware of the rules. That way, the dog doesn’t think he can get away with an act as long as he’s not around you.


Using treats to get your dog to do what you want is not necessarily a bad thing. This not only gets them to behave how you want, but it also reinforces the notion of “when I do this, I get a treat” in their heads. If you do this long enough, their actions will become natural and you won’t necessarily have to give them a treat every time.


Lastly, be sure to give your dog enough love, during training and always. Dogs are just like humans in the sense that they need affection. So, whether your dog did good or bad that day, it is important to give them love regardless.

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Most people have no idea what coverage they have based on their policy. Even if one reads it carefully, chances are they will not understand what they have read. Insurance policies are typically couched in technical language that serves to obfuscate rather than inform the common person. Consequently, people who get insurance rely on the agent’s knowledge and explanations regarding what the policy covers and what it exempts.

Unfortunately, agents are not always reliable. By mistake or design, an agent may provide misleading information regarding a policy that could have disastrous results for the insured. Alternatively, the agent may also withhold information about the policy that could have considerable significance for the policy holder. If these errors of commission or omission impacts on what should have been a legitimate claim in the future, this may be construed as agent negligence. According to the website of Smith Kendall, these are fraudulent practices and is actionable under the law.

Insurance agents have a duty of care towards their clients, and should take reasonable steps to ensure that prior to purchasing an insurance policy the client has clear and accurate information regarding the terms and conditions of the insurance they are getting. It is not justifiable to say that it is in the policy and that the policy holder agreed to these terms when the policy was signed. In Texas, it is possible to make a claim against the agent, or a broker, for failing to provide the insured with the coverage they wanted, needed and expected.

However, proving agent negligence is not an easy task. It would require the knowledge and expertise of lawyers fully cognizant of insurance law of the state and how insurance companies operate to have any degree of success. Fortunately, reputable insurance law firms usually work on a contingent fee basis, which means the firm only gets paid when a claim is successful. It would mean getting the most compensation legally possible compared to no compensation at all if the claim is made without competent legal representation.

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All drivers in the US are required to have car insurance. Drive without insurance in the US and you will find out more than you want about something called an SR-22 form. In addition to being injured and possibly needing the services of Habush Habush & Rottier S.C.®, an SR-22 is one of the consequences of a car accident that you can expect to suffer if you are not a responsible driver. Incidentally, what SR stands for is not clearly established, but then again neither is FR-19, which is what the form is called in Delaware and Maryland.

That being said, an SR-22, also known as a Certificate of Financial Responsibility or Financial Responsibility Filing is issued by an insurance company at the request of a driver in compliance with a state’s Department of Motor (DMV) requirements. Not all drivers are required an SR-22, but being caught driving without a license will change that. Other offenses which may also necessitate an SR-22 include driving under the influence of alcohol or drugs (DUI), having too many traffic violations, and a suspended or revoked license.

An SR-22 is essentially a rider to your car insurance; it is not car insurance in itself. The SR-22 basically assures the DMV that if the driver ever lets the car insurance lapse, the insurer will inform the DMV. It is usually issued at great expense to the driver, raising insurance premiums up to three times the normal because the driver is now considered “high-risk.” The actual costs will depend on the insurance company. Failure to submit a required SR-22 within 30 days can lead to a license suspension. The SR-22 rider typically has to be maintained for 3 years, but it would depend on the state. Your insurer or SR-22 provider will be able to fill you in on the more specific details.

However, some states do not require an SR-22. These are Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania. So if you have no insurance, make sure that you are driving in one of these states to avoid an SR-22. You will still get sanctioned according to state laws, but an SR-22 would not be on your list of problems.

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