Dog Treats at Christmas
Besides an “atta boy” and pat on the head from you, the next greatest reward your dog likes is a yummy treat. What’s more, giving your dog a treat makes you feel good, too. The very act of rewarding your best friend with his favorite treat not only reinforces training, but helps solidify the bond you share with your canine companion.
Fortunately, organic Christmas treats are a way you can spoil your dog without giving him an unhealthy snack. If you do not have access to a doggy bakery, you can find several healthy choices online, the healthiest being an organic or all natural treat.
For instance, Pampered Paw Gifts offers dog lovers organic and all natural products like salt free Christmas doggy cakes made with a rice cake and yogurt frosting, decorated in holiday colors, and trimmed in doggy bones.
The Christmas doggy treats look like pastries that come from a high-end human bakery and are exquisitely decorated in holiday colors in various dog-themed shapes. They not only look good enough for a person to eat for a Christmas treat, but are made with the finest human-grade ingredients. So, if your dog is willing to share with you, there is no harm in taking a nibble.
Other delectable dog treats you can expect to find online are cookies, bon bons, paw prints, paw cups, bones, reindeer, presents, mittens, santa paws, snowflakes, and wag sticks made from a peanut butter recipe and iced with yogurt. All items are free of byproducts, artificial color and flavors, and preservatives.
Listed below are other safe Christmas dog treats:
ifts for Your Pets during the Holidays
‘Tis the season for gift giving and warm holiday cheer. It is important not to forget the furry members of your family during the Holidays. To help you, we have created a list of fun gift ideas for cats and dogs!
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Want to know some of the easy décor tips to give your home a sober and elegant look? This article has got all the hacks for you. Learn some easy décor pieces that will make your home look sophisticated.
Mortgage interest rates, as reported by Freddie Mac , have increased over the last several weeks . Freddie Mac, along with Fannie Mae, the Mortgage Bankers Association and the National Association of Realtors, is calling for mortgage rates to continue to rise over the next four quarters.
This has caused some purchasers to lament the fact that they may no longer be able to get a rate below 3.5%. However, we must realize that current rates are still at historic lows.
Here is a chart showing the average mortgage interest rate over the last several decades:
The Aspiring Home Buyers Profile from the National Association of Realtors (NAR) found that the American public is still somewhat confused about what is required to qualify for a home mortgage loan in today’s housing market. The results of the survey show that non-homeowners cite the main reason for not currently owning a home, as not being able to afford one.
This brings us to two major misconceptions that we want to address today.
1. Down Payment
NAR’s survey revealed that consumers overestimate the down payment funds needed to qualify for a home loan. According to the report, 39% of non-homeowners say they believe they need more than 20% for a down payment on a home purchase. In actuality, there are many loans written with a down payment of 3% or less.
Many renters may actually be able to enter the housing market sooner than they ever imagined with new programs that have emerged allowing less cash out of pocket.
2. FICO® Scores
An Ipson survey revealed that 62% of respondents believe they need excellent credit to buy a home, with 43% thinking a “good credit score” is over 780. In actuality, the average FICO® scores of approved conventional and FHA mortgages are much lower.
The average conventional loan closed in August had a credit score of 752, while FHA mortgages closed with a score of 683. The average across all loans closed in August was 724. The chart below shows the distribution of FICO® Scores for all loans approved in August.
If you are a prospective buyer who is ‘ready’ and ‘willing’ to act now, but are not sure if you are ‘able’ to, let’s sit down to help you understand your true options.
| 10 a.m. - Noon
Join Historic Columbia for a Garden Workshop and learn about southern garden perennials and southern garden design, execution and maintenance. Special guest David Poston, senior horticulturist at Moore Farms Botanical Garden in Lake City, S.C., will share some of his favorite garden perennials that thrive in warm, humid climates. In addition, Historic Columbia’s garden experts will be on-hand to share the ins and outs of show stopping perennials that are easily able to fit within your southern garden. More information here