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Holidays pose pet dangers

Whether you are at home or away, the holidays should be a time for everyone to enjoy, including your pets.

Rich foods, glass baubles and tinsel, and exotic holiday greens capture the attention of cats and dogs, but all can pose a serious threat to their well-being.

Cats will chew tinsel and even swallow it. Once swallowed, it can wrap around the animal’s intestines and create what veterinarians call a linear foreign body.

Tinsel ingestion is one of the most common holiday pet problems, according to Brent Cook, a veterinarian with Kingsbrook Animal Hospital.

“We had a cat come in after eating tinsel last year, and he was lucky enough to have it pass naturally,” Cook said. “Unfortunately, we also had a case which required surgery. … The tinsel was stuck, and there was a possibility that it would puncture the bowel,” which can cause death.

If owners see a pet eating tinsel, they should try to induce vomiting. If they are unable to remove the tinsel, they should call their vet for instructions.

Glass baubles hanging on Christmas trees resemble bright pet toys, and dogs have been known to take them off the tree and try to chew them. The ornaments can shatter and cut the inside of the animal’s mouth.

Younger animals are more prone than older ones to eating inedible items, experts say.

“If you have pets, you should only decorate the top two-thirds of the tree,” said Brigitte Farrell, executive director of the Frederick County Humane Society.

Beware of chocolate and mistletoe

Holly, mistletoe and other potentially poisonous holiday greens should be placed out of animals’ reach.

“Depending on the weight of the animal and the amount ingested, they can be toxic and will cause gastrointestinal problems,” said Leslie Wolff, managing doctor at the Frederick Veterinary Referral Group.

Table scraps of holiday food — such as turkey, ham and baker’s chocolate — can also cause stomach problems for pets.

Baker’s chocolate is known to cause seizures and other neurological problems if more than half a pound is eaten.

Opportunities for pets to grab scraps increase during holiday get-togethers and family visits, where food is often left unattended. Hosts should tell their guests to remain attentive around pets and to not feed them, experts say.

“You have to know your pets. … If they’re amongst guests, make sure they don’t get scraps,” said Diana Culp, director of humane education for Frederick County Animal Control.

Hosts should prepare a room in their home where pets can be alone so the animals are not overwhelmed by a large number of new people.

Pet owners who plan to travel with their animals in tow should remember to bring food, paperwork, identification and a picture of themselves with the pet.

If the animal is staying home, owners should make arrangements with a kennel or sitter beforehand.

“Make sure that the kennel or sitter is available and that they can reach you at any time,” Culp said.

Active pets that spend time outside require special attention when taken out into the cold and snow.

Road salt between paw pads can lead to irritation. Paws should be cleaned after walks, especially if the animal walks through slush.

Antifreeze is another common winter commodity that is dangerous to pets. Consuming only a tablespoon can cause death in large dogs.

“I hope that you don’t need (to take your pet to the vet), but it’s good to know that we are here,” Wolff said.

Wolff recommends “common sense, and keep them safe.”

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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