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4 Tips for Fathers Looking to Quote Term Life Insurance Policies

July 19, 2021 by dadofdivas Leave a Comment

As a father, it’s vital to ensure that everyone in your family is covered in case of an emergency.

It can be scary and upsetting to imagine a world without you in it, but it’s an unfortunate reality if there ever was a tragic accident. As the father of your children, you want to make sure that you do everything humanly possible to ensure that they are safe. Purchasing a term life insurance policy is one way to do so. In addition, if your family relies on your income to take care of them, a life insurance policy can give them the money they need if you were to pass away. Take a look at these four tips before you decide to quote term life insurance policies. There are plenty of options, and it can get confusing, so it’s crucial to make the right choice.

4 Tips for Fathers Quoting Term Life Insurance Policies

Compare Term and Whole Policies

Image courtesy of Pexels.

Quoting term life insurance policies does not mean that you should rule out whole life insurance policies. Usually, term life policies are the most suitable plans for young families because they are the easiest to understand and are the most affordable. Before you decide on which one to go with, take a look at the definitions of each.

Whole life insurance: This type of insurance provides a person coverage for their entire life. Whole life insurance builds up value the longer you have it, giving it a cash value. The cash value can be invested in or used by the person while they are still alive.

Term life insurance: Term life insurance is much more straightforward because it does not have the cash value aspect. This type of insurance is only purchased for a specific amount of time, ranging anywhere from 5-40 years. Once the term expires, you can buy another policy, switch into a whole life plan, or decide not to buy any more life insurance. Because it does not have the added cash value, it is much cheaper than whole life insurance.

Determine How Much Coverage You Will Need

Before you purchase a policy, you have to choose how much coverage you would like to buy. There are many factors to consider when selecting the amount of coverage to purchase, and it depends on how many people you are supporting, how much money you are making, and more. Here are some questions to ask yourself and your significant other when discussing the possibility of life insurance:

Do I have a special needs child or someone that I am taking care of who may need protection for their entire life?
Do I suspect that my family’s needs will change through the years? If so, what kind of changes?
Do I have a large amount of debt I would like to be paid off in the event of my death?

Speak With an Insurance Agent

When you aren’t writing life insurance policies for a living, you will not understand every detail about them. It’s crucial to speak and consult with a life insurance agent because they will not only help you understand the process, but they will get you the most affordable plan for you and your family. In most cases, it’s best to speak with an independent agent because they are not tied to a single life insurance carrier. They are usually paid by the insurance carriers and do not have a bias so that they can quote and study plans from various companies. This means less research for you and more affordable coverage.

Understand the Types of Term Policies

As mentioned above, term life insurance policies aren’t as complicated as whole life insurance, but there are still several decisions. There are three different term policies, and understanding what they are will assist you in choosing the most suitable plan for your family.

Level-premium: A level-premium term insurance plan is the most common type of term insurance. The policy premiums are the same year after year.

Renewable: As the name implies, this plan allows you to renew the coverage after the plan expires. The policy spells out possible cost increases and best for those who have a short-term need for life insurance.

Decreasing: A decreasing term policy has a death benefit that goes down over time, with the occasional lower premium. This is usually best for people who want to cover a specific debt.

Whether you are a single father or have a significant other, you can feel like providing for your family is mainly up to you. While you may be the breadwinner of the family, it is important to ensure that your family and loved ones will be taken care of in the event of an accident. Fabric is the ultimate place for you to quote term life insurance policies, write up a will, and organize all of your finances. You can receive a life insurance quote in as little as ten minutes, making it easier than ever. Learn more about Fabric and get started today to protect yourself and your family.

How You Can Help Your Kids Stay On The Right Path

May 24, 2021 by dadofdivas Leave a Comment

Being a parent is a tough job, one of the toughest jobs that there is. It takes a whole lot of love, patience, determination, and understanding, and even then, we often feel like we are getting things wrong.

This post may have been titled ‘How You Can Help Your Kids Stay On The Right Path’, the truth is that there is no right path in life – everyone has different ones and what is right for one person may not be so for the next. There is also no guarantee that your child will follow the path that you hope that they will take. However, here, we are going to look at some of the things that you can do to ensure that they are happy, respectful, and law-abiding citizens of the future – and that is all we hope they can be, isn’t it?

Image by succo from Pixabay

Make time for your kids

Children – well, humans in general, thrive on attention and positive time with the people that they love, so by giving this to your kids in abundance, you are already well on your way to being a good role model and showing them the path that you hope that they will take. It does not have to be doing anything big or expensive. A cuddle and a story before bedtime, ice cream after school, and a trip to the park can be just as fun and special to a child as a big, fancy day out. A secure attachment makes children feel safe and loved and is more likely to help them make the right decisions.

Model the behavior you want to see from them

Children learn from examples, so show them the behavior you want to see from them. If you want them to be kind and respectful to others, you need to be kind and respectful to others. If you want to show them the value of working hard, you need to work hard. Be the best example that you can be – your children will often follow in your footsteps.

Communication is key

Children who are unable to express their feelings can become upset and act out in other ways. Children who can adapt their feelings to words and communicate them clearly to adults and other children are more likely to solve problems through conversation. They are more likely to approach you and talk to you about things rather than making a poor decision.

Make sure they are aware of the consequences of poor decision making

One of the biggest deterrents for criminal behavior and poor decision making is to make sure your children are aware of the consequences. At the more serious end of the spectrum is potential trouble with the law and needing a talented group of criminal defense attorneys to get them out of it. On the lesser end are friendship problems, but there is a whole lot of things in between.

Even the best will in the world cannot guarantee your child will always make the right decision and stay on the right path, but these tips will go a long way.

Keeping Your Family Safe Online

April 5, 2021 by dadofdivas Leave a Comment

Family safety is a priority for all families. We are exposed to so much more than the children of the 90s and before were exposed to. The internet and mobile phones now make it an incredibly difficult place to live, with the fear that our children may be talking to people that they shouldn’t and being on certain online spaces that are not healthy. Our priority is to keep them safe.

There are a huge number of quality and interesting sites on the net, discussion rooms on intriguing topics, articles, photos, games and many other fun activities. The problem with online activity, as in many other areas, is that it is not always possible to know when children are moving to an activity that may harm them. They may get hold of people’s numbers and start talking to them via the phone. As in any other field in which you accompany your child, and teach them to distinguish between positive activity and negative activity, so too should the Internet be accompanied and explained. Important Note: Collaborating and communicating with your children is one way to learn the field and to get them to understand the problems relating to the internet. Also, supervising children online may be perceived as an invasion of children’s privacy. There are many pros and cons on this issue. However, Internet experts who are aware of the dangers in the field, claim that it is recommended to monitor the children’s activities. If the children get involved with danger, the responsibility of course falls on you – the parents. You can look to the professionals to help, such as using apps that can help you look online to find the information that you need.

What signs should I look out for?

Your child spends a lot of time surfing – especially at night. Most children who fall victim to cybercriminals spend a lot of time surfing, especially in chat rooms. These forums provide visitors with the thrill of conversations with people under anonymity. Although surfing may be a positive experience it is advisable to limit the surfing time. Evening hours are the sexually dangerous hours on the net. Sex offenders take advantage of these free hours to locate and seduce children.

You found disturbing material on your child’s computer – Sex offenders may seduce children by sending pornographic material as a means of opening a conversation on the subject. The pictures are used to show the child that sex between an adult and a child is a normal thing. Parents should be aware that children hide the pornographic material on disks, CDs or under password protection, especially if the computer is used by some members of the household.

They are spending time on the phone to numbers you don’t recognize – Cybercriminals strive to move from the online virtual chat room to a phone call with the child. These conversations are a means of excitement for them. They may suggest that the child make a toll-free call that parents cannot identify – but the offenders can identify the phone number through the child’s home.

Create A Second Income & Save!

March 30, 2021 by dadofdivas Leave a Comment

When you are dealing with debt and a squeeze around your income, you immediately begin to search for other options that make sense for your finances. One of these options for some people is to get a second income stream set up and ready to go. The trouble comes when it gets to choosing what to do as a second income: where do you even begin?

The thing is, it’s not all that hard to choose something to do and create an income stream out of it. Whether you are able to spend time driving and you are searching for a truck load to bid on for delivery, or you choose to go door to door delivering leaflets, it’s not hard to find a job that fits in with what you want to do in life. You can add some income to your bank account every month around your job, and you will see the benefit pretty quickly! With this in mind, here are a few ways you can create that second income with ease.

Photo by Dziana Hasanbekava from Pexels

Invest. Whether you invest in stocks, shares, houses or gold, investing your money is a clever way to ensure that you get exactly what you want for your income. Take the time to speak to a financial advisor and get yourself educated on how investments work. You may even be told to go ahead and invest in Monthly Income Plans, which is great as an option if you don’t have the time to pursue something in which you’re interested. There are plenty of options out there and it’s a scheme that invests in equities, offering a regular income.
Consult. What are you good at? If you know you have knowledge that stands out in a particular field, you can take that knowledge and run with it by offering your services as a consultant. You can sell your advice and services both online and offline, helping other people and small businesses to solve their biggest problems. Developing and managing your website, referring students to a particular institute – you can outsource pretty much any skill if you know where to look!
Ecommerce. You can sell any old items and things that you create online on e-commerce sites and earn a crust that way. You can manage this around your current job in the evenings and still manage to enjoy a good income! You should consider what you’re selling and how others will benefit from it and then you’ll have a good option to add a second income securely.
Tutor. Similarly to consulting, you should consider becoming a tutor. You will be able to provide unbeatable knowledge either privately or via a school or college and earn a small income at the same time. You can enhance your knowledge and add to your income at the same time. You may have an excellent knowledge in a specific subject, and if you do, you can sell that knowledge to help others. No matter what you do, creating a second income allows you more stability with your income.

6 Top Tips for Creating a Baby-Friendly Home

December 9, 2020 by dadofdivas Leave a Comment

If you’re expecting a baby in the next nine months (or less), you’ll more than likely want every inch of your property to suit their needs.

In addition to creating a beautiful nursery, you must ensure your home is warm, safe and spacious to support their health, security, and first steps.

To feel 100% prepared for your son or daughter’s arrival, read these six top tips for creating a baby-friendly home.

Cover Electrical Outlets

Once your baby starts crawling, cruising, or walking, you can guarantee they will want to explore every item on the floor, walls, and furniture. To ensure they are safe when they move across your home, you can cover your electrical outlets with a plastic outlet cover. Research to find out what the most suitable method is for your type of electic outlet.

Add Corner Guards

Children are prone to falling forwards and backward when they are first finding their feet, and they’ll lack spatial awareness when moving from A to B. To prevent unwanted injuries, you can cover all sharp edges with corner guards. For example, you could add them onto the corners of tables, baseboards or low shelving, which will provide peace of mind that they will be safe when falling in the home.

Install Efficient Radiators

Faulty or broken radiators will fail to increase your home’s temperature on a cold night. Ensure your little bundle of joy is safe and warm every day of the week by installing efficient radiators before their arrival. There are also many beautiful designs available at warmrooms.co.uk that can complement the size of a room and its interior. For example, vertical column radiators are an ideal choice if you have minimal wall space.

Move Medicines and Cleaning Supplies

As mentioned, babies and toddlers are inquisitive, so you can guarantee they will want to explore every cupboard when an opportunity arises. Keep them safe within the home by moving all medicines and cleaning supplies from lower kitchen cabinets or shelving. Store them in a higher cabinet and install a child-lock for extra peace of mind.

Remove Poisonous Plants

Children will be happy to put every object into their mouths once they have improved their fine and gross motor skills. While you might think your beautiful plants are harmless, you might be surprised to learn that some varieties are poisonous when consumed, such as devil’s ivy, English ivy, and poinsettia. You should, therefore, remove them from your home (or place well out of reach) before your little one starts rolling and crawling.

Stabilize furniture

As a growing baby will want to explore different colors, textures, and movements, they’ll want to browse the many items sitting on a bookshelf. To ensure it never topples over, you must stabilize it and anchor any heavy furniture against the wall. You can also add baby-friendly products onto lower shelving, such as:

Board books
Soft toys
Various textured fabrics
Stacking cups

Don’t forget to remove breakable items from the bookshelf, such as vases, candles and sculptures.

Before your baby arrives in the world, take a walk around your home to identify potential safety issues, such as a faulty water heater, choking hazards or unsecured mirrors or furniture. It’s much easier to get all this sorted without a baby than waiting until they arrive.

Sharing Your Love Of Sports With Your Kids

November 20, 2020 by dadofdivas Leave a Comment

While it is important that children have their own interests and that you help them foster them (while showing an interest in them for their sake), there is something quite special to developing a bond over an interest that you mutually share out of your own independent interests. If you want your child to have your love of sports and to develop a bond over it, there are a variety of ways you can help nurture them in that direction. Here, we’re going to look at a few.

While looking at the tips below, it’s important to remember that the personality and inclinations of your child matter just as much as anything else. Not everything is going to work the same for everyone.

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Play it for fun

If you want your child to get into playing a sport, then you should be sure to encourage them to explore it at their own pace, not to force them to play it for any sort of competitive reason or try and get them to play it to get better at it. Simply put, if you put too much pressure on them too early, they’re going to eventually balk against it and are more likely to quit than anything. If your child shows a natural aptitude for athletics, it’s only natural to want to encourage them to pursue it, but trying to force it is only going to work against the very same desire.

Do sports together rather than expecting them to do it

If you’re trying to get your kid into sports because you want to build a bond with them around that shared interest, then you should make sure that you’re not simply pushing them to get into it and then vicariously enjoying those sports through them. If you want your child to associate sports with fun, then it’s important that you’re directly involved with it and actively making it more fun for them. For instance, get them more used to physical activity at first by going on bike rides with them after you teach them how to ride, or practice basketball with them by getting a hoop to play with in your backyard. That way, when they start to get to the age where they can explore their own interest, they already associate sports with fun.

Get them into the trivia side

There is a common misconception that it’s only the most physically apt and athletic guys that love sports, but we know that’s not true. There are guys who are into sports because they compete or have competed, there are those who love to support the home team, and there are those who love to get into the details of it, to uncover all of the stats and learn about everything they can. Even if a kid isn’t a natural athlete, he can develop a true and passionate interest in sports. Getting into the trivia side of sports with them, such as discovering the best coaches, looking at stats of different players, and maybe even involving them in your fantasy league, can develop an interest in sports just as easily as getting physically involved. Let them be the kind of fan they want to be.

Take them to a game

As mentioned, just as there are those sports fans who love to get involved physically and who love to learn everything about the technical side as they can, there are those who love feeling involved with something bigger than them. That’s a big component of just about anyone who supports a local sports team or athlete. If your child is old enough to attend a game, then taking them out when possible, even if it’s an occasional thing, can be a great way to build brilliant memories associated with both the sport and you, and can be something that they look fondly on for years to come.

Photo by Andrea Piacquadio from Pexels

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Let them have other interests

All children are going to develop multiple interests over time. In fact, as they develop those interests, they’re likely to drop an older one for some time while a new passion has their attention. As a parent, it’s up to you to acknowledge and accept that they have different interests and that sports may not always be a priority. When they are young, especially in their single-digit ages, they are going to have short attention spans, which means they can get bored with prolonged activities and want to do something else. You can encourage them to develop self-discipline, especially if they start competing, but you shouldn’t try to force them to sit and stick with something if they’re getting restless and distracted.

Don’t make it a “man thing”

First of all, if you are looking to share your interest with your daughters, you had better get rid of any notions of what being into sports means about them and their femininity. Everyone can love sports of any kind, whether it’s men or women competing in it. Gatekeeping isn’t going to help anyone. However, for boys, it sets a bad example if you try and tie their love of and skill with sports to any notion of what makes them a “man.” This is toxic masculinity in its purest form, and it can set them up with harmful notions about manhood for life. Sports is about athleticism, competition, and ambition in that particular field and it’s okay to inspire them with those thoughts. But don’t make it something that it’s not.

You can’t force a child to get into sports, of course. You can, however, make it clear that you have that interest and, if they want to get into it, you would be glad to share it with them. It’s the only natural way to share that love of sports with your kids. Hopefully, the tips above show you a more measured and considerate way to get your child to share your love of sports. What’s more, it’s one that’s likely to work more than simply trying to urge them to start doing sports out of nowhere.

Tips For Investing For Your Family’s Future

November 11, 2020 by dadofdivas Leave a Comment

Everyone knows the importance of family, and when it comes to your family’s future, you want to do what’s best for them. There’s a lot that you can do and in many different ways but one of the most important things is your financial health. Investments are a great way of helping to potentially give your funds a bit of a boost and to hopefully set you and your loved ones up with a financially healthier future. But not everyone invests their money for fear of the unknown and potentially losing their savings. However, with the right attitude and approach, it could be something that you can provide for your family. Here are some tips for investing for your family’s future.

Photo by Emma Bauso from Pexels

Save, Save, Save

Saving is important to any individual in life, and the more you can save, the better. Regardless of your income, your age or position in life, it’s always good to be setting money aside for a rainy day, or in this case – an investment. In order to build your funds, having a savings pot is essential. A savings post is going to help you take advantage of all these potential opportunities and investments that will come your way throughout your life. If you’re saving money aside and plenty of it, you give yourself more advantage when it comes to spending it. Some of that money may go towards living in the moment right now, and another may go to spending it during retirement. It’s worth allocating various savings pots for different reasons because it’s going to give you the option of doing more in life. So if you want to invest your money, the first thing you’ll need to do is save it. Sounds like you’re doing the opposite of what you need to be doing but if you’re not willing to save, then you’ll have no money to spend on investing without investing your whole savings fund. And at the end of the day, you should only risk what you can afford to lose.

Do Your Research

As mentioned above, every investment has its risks. And when it comes to risks, a lot of us will shy away from taking them. That’s because no one wants to be in the position where they’re dealt the losing card, right? We all want that shiny pot of gold at the end of the rainbow but if there’s a whole host of obstacles in the way that could risk losing it, many of us will be complacent in doing nothing instead. Research is important when it comes to investments because, with very little knowledge of the thing you’re investing in, it increases your chances of it failing. So when it comes to any investment, look into it more.

Those questions that you have to confusing parts of the investment, seek the answers to. If you’re going into it blindly or with half the information, it can be difficult to get a positive outcome. You have to be very lucky in some cases, and that luck can often not always run in your favour. With that being said, do the research if you’re unsure and trust your gut.

Consider Buying To Rent

Property is a great investment to make, and one way in which you can take advantage of the property market is to buy properties to rent out. These would be something you can either buy outright if possible or to lend a loan in order to pay it off through those who rent from you. It can be a great way to generate a passive income, and that can be great for those times in life where you need a bit of extra money here and there. Look at what properties are out there and consider the potential rental yield that’s available with each property you look at.

A lot of lenders are going to look at the rental yield against what you’re borrowing to make sure that you’re going to be able to pay off this mortgage or loan with the money you make each month from the property. One thing to note is that when it comes to buying to rent, you may have dead months where the tenancy isn’t filled, and so it’s important to have a backup fund. This can cover you during those quiet times if you are unfortunate to have them. Be cautious when renting abroad to as a condo for rent Singapore might perform differently to one in your home country.

Look At Investing In Property Shares

Investing in property shares is important, and it’s certainly something that you want to think about as an alternative option. It might be that you don’t fancy funnelling all your money into the one investment where you’re completely responsible. It might be that you put a fraction of the money in to get a share of the investment pot. This can be beneficial to do and a way of doing something different to simply buying a house outright or with a loan.

Be Wary Of Timing

Timing is key when investing, especially in property. There’s no point in buying to let out a property just before you retire because, at that point, you don’t really need or want your money to be tied up to anything. Instead, you want to be cashing all your investments in so that you can enjoy the money you’ve earned over time. Look at your timing, and it’s ideal if you can create a plan or timeline to stick to when it comes to investing in properties.

Diversify Your Portfolio

And lastly, be sure to diversify your portfolio. Don’t just concentrate on the property market but explore stocks and shares too. Look to expand your portfolio and to have your eggs in several baskets than just the one.

Investing is a great way in hopefully making your money go further, so use these tips to help make that happen. Setting your family up financially can be a great relief!

LOOTCRATE Offers Great Gifts This Holiday Season!

November 4, 2020 by dadofdivas Leave a Comment

I have talked about how I am a fan of LOOTCRATE. I have picked up a few LOOTCRATE items in the past and to be honest, any crate that I have gotten in the past has been filled with so many great quality items, and you can find a bit of everything no matter what your interest is.

Recently I was sent one of these kits to check out as we get ready for the holiday season. I was sent the new LOOTCRATE DX. With the new LOOTCRATE DX you get a bigger crate, bigger gear! Each box gives you a surprise assortment of awesome pop culture gear and collectibles delivered to your door every month!

Take a look at the pictures below and you will see the variety you get in this box. The box itself was a ton of fun and really taps into your fandom into a number of areas. All of the items are of high quality and you will find that the quality and variety alone will keep you coming back for more with every month that goes by.

So, as you can see, this is a box that is full of a ton of different items that tapped into my own interest in popular culture movies, super heroes and more. You get a ton of things that makes the value of this box definitely surpass the cost of the box itself.

Wheth this box sounds interesting or not, you definitely need to look at all of the unique boxes that are available on LOOTCRATE. I know that you will be impressed. Especially as you get ready for the holidays, I can say that so many guys will find these boxes to be a great gift! Consider passing one on to someone you love!

Toxic Masculinity Is Real: We Must Do Better

October 28, 2020 by dadofdivas Leave a Comment

When it comes to thinking of my role as a man and a father, I know that it is impacted by the world around me, as well as the world that I grew up in.

The challenge?

Many men are growing up with traditional ideas about what it means to be a man that sometimes can be considered to be toxic masculinity.

What is toxic masculinity?

Toxic masculinity is defined as an adherence to traditional male gender roles that consequently stigmatize and limit the emotions boys and men may comfortably express while elevating other emotions such as anger.

When I see this definition it makes me sad, as I know that men in general can be so much more without being held back by traditional male gender roles.

As a guy that was a bit more emotional, I was teased and told by other guys to “be a man” when I was young.

When did being a man become being someone that could not show emotion. By hiding away our emotions we hide away a side of our selves that make it even harder to connect with others in our lives, making many only see one side of who we actually are.

Vault Health recently wrote a blog post that explored this issue even more in depth.

The thing that this article says is that Toxic Masculinity can affect men’s health because “it’s not manly to be going to the doctor regularly” or “talking about deficiencies as we age is weak” They are completely right. I mean, how many men talk about low testosterone levels and how this impacts us, not many that I have seen. Vault Health has a unique way of helping all men to take better control of their health. .

Four Things You Need Before Bringing a Kitten Home

October 26, 2020 by dadofdivas Leave a Comment

Getting a kitten can be an exciting time for any family. Kittens make adorable pets and are sure to become a firm friend for your children throughout their lives. However, just like any pet, your new kitten will need a number of essentials in order for them to thrive. A healthy kitten who has plenty of things to do is a happy kitten who will grow up to be a happy and satisfied cat. So, what are some of the essentials that you need to have ready before you bring your new furry friend home?

Litter Box

Most kittens will come with the knowledge of how to use the litter box so unlike puppies, you don’t usually need to provide them with any toilet training. They learn this from their mother when they are very young and see her using the litter box, so as long as you show the kitten where their toilet is, they should start going there with no problem. However, it’s worth bearing in mind that cats, in general, prefer to have a clean toilet – who wouldn’t? So, investing in a self-cleaning litter box is a great idea to make your life easier and ensure that your cat is happy. Read this article from Kitty Reporter to help you find the best self-cleaning litter box for your needs.

Scratch Posts

Kittens love to scratch – it’s just a normal part of growing up for them and part of being a cat. In fact, even adult cats need plenty of things that are suitable for scratching, but it’s even more essential for a kitten with their little needle claws. Providing your kitten with scratch posts and pads will help you train them early in their life to scratch something more suitable than your furniture or your hands and feet when they need to get their claws out. Place them strategically around your home so that your kitten always has one in reach.

Collar and ID Tag

While it’s a good idea to get your kitten microchipped by the vet as early as possible, you should also invest in a collar and ID tag. A bell collar designed for kittens is a great idea as they can be very mischievous and often get stuck in tight spots around the home where you might not be able to find them. Wearing a bell collar means that even if they end up hiding somewhere, it’ll be easier for you to figure out where they’ve gone. And, some kittens can be little masters of escape, so an ID tag is perfect for helping them get back to you safely if they manage to get out.

A Comfortable Bed

While many cats and kittens sniff at their bed and decide to sleep on your feet instead, providing your kitten with a space that they can call their own is essential. Cats tend to like being inside tight, warm spaces, so consider a cat igloo style bed that they can curl up in.

With the right essentials, you’re on your way to a happy experience with your precious new kitten.