While Pet Health Insurance versus Pet Health Assurance may seem like a play on words, it is anything but! Knowing the difference can save your pet a lot of unnecessary exposure, and save a lot of heartache, and money. The following article is a primer on their differences.Pet Health Insurance$15 a month makes perfect sense should your cat or dog get out and is hit by a car, or gets into a fight with another animal, as the average cost for one broken bone is $2500.However, it should not be relied upon to restore the health of a pet that has immune or gastrointestinal disorders. Virtually all of these disorders and diseases are caused by poor quality food, water, and a lack of quality digestive aids, and supplements.Why put your pet and your wallet through such unnecessary misery?Pet Health AssuranceBy now, you should realize that you are what you eat. If you eat poorly, in the near future, you will likely see higher taxes on “Junk Food”, just as alcohol and tobacco are heavily taxed, but what about pet food? Pet Food is the equivalent of eating fast food (junk food) 24/7 throughout your life.In the 2004 documentary “Super Size Me”, Morgan Spurlock wanted to know what effects eating a fast-food diet 24/7 for 30 days would have on his health. Fortunately, he was smart enough to include the aid of several doctors and began with a complete physical. The doctors monitored him throughout the test.If you haven’t seen it, I highly recommend it. Here’s the summary: Although Morgan was determined to finish the 30 days; after just 2 weeks his health had deteriorated so rapidly that his doctors, and girl friend, urged him to abandon the experiment. In just 3 weeks, Spurlock gained eighteen pounds, and became depressed and withdrawn. He also suffered from severe headaches, mood swings and disturbing chest palpitations. All of these shocking changes take place on camera. After thirty days, he goes into liver failure.Pet Food is Fast FoodIf you take the time to study what is actually in canned or dry pet food you would never feed it to an animal that you loved and cared about. Pet health statistics bare this out: Most pets have food related allergies. Over time, these allergies develop into full-blown diseases; 50% of ALL pets over the age of 10 have some form of cancer. Why?
Cats and dogs are meat eaters. High quality meat is an essential component to maintaining their health. What little meat that is found in pet food is meat by-products, not safe for human consumption: the rest is primarily grain filler (mostly the chaff), which has virtually no nutritional value.The majority of cat/dog food is made from grains, but cats and dogs are not grain eaters. Grains, in any quantity, should not be a part of their regular diet.Any vitamins and minerals noted on the eye catching pet food labels is of little value and little quantity. The regulations regarding truth in labeling for pets is even worse here than for humans.Meat + Supplements = a Healthy PetMeat alone is not sufficient to keep your pet healthy. Cats/Dogs need supplements such as soil-based probiotics that perform a variety of tasks, such as maintaining the proper pH, as well as to optimize the balance between good and bad bacteria in the GI tract.Fact: The digestive system makes up 80% of your pet’s total immune system.Alas, this fact is completely ignored by pet food manufacturers and the majority of conventionally trained veterinarians, and yet it is the cornerstone to keeping your pet healthy!Other supplements include a specific blend of oils (to lubricate joints, skin, arteries, veins, and muscles) and digestive enzymes to help break the food down into readily digestible elements.Cat/dogs raised on a healthy diet of quality meat and supplements are not only healthier, they live 5-7 years longer.
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Commercial Equity Loan – An Alternative to Cash Out Refinance
If you have recently received a Letter of Intent or a “Pre Approval” from a lender regarding a cash out refinance on your commercial property, you don’t need me to explain the pitfalls. Upfront appraisal fees (at $3000 – $5000), environmental fees ($2000), start off an often expensive and “brain numbing” process to fund your commercial loan.If you are seeking to pull cash out of your commercial property, there’s now a better way. The commercial equity loan also called a commercial real estate line of credit “sits” in second lien position behind any first mortgage that you already have in place. So, you potentially do not need to refinance your existing first commercial loan…This is especially true if your sole goal is to simply pull cash out of your property and you do not want to touch your existing loan. Perhaps your existing rate is better than market or you have a high prepayment penalty or you do not want to incur the closing costs associated with a new traditional loan, etc.In any case, the commercial equity line eliminates many negatives. For example, there are no upfront fees or upfront third party fees, like appraisal, title, or environmental. The bank essentially uses a comprehensive software program for these reports. For instance, the bank uses a computerized, broker opinion of value, rather than an appraisal to determine a commercial properties value.Closing costs consist of a 1% fee to the lender and an origination fee to the broker, paid out of the line, at closing. So, you could literally have no out of pocket cash into the loan. Also the prepayment penalties are virtually nonexistent at $1,500 in the first three years, compared to 5-10% of the outstanding loan balance on a typical commercial loan. Plus you only pay interest on what you borrow, rather than the alternative of cashing out a lump sum and paying interest on money you may not be using.However the commercial equity line is not perfect. Drawbacks include a relatively low loan amount, its capped at $500,000. Underwriting is strict with both the borrower credit scores (need to be above 660) and the Combined Loan to Value (Needs to be under 75%). In addition, although very common with lines, the loan is based off an adjustable rate, which is tied to Prime.All in all this is an excellent option, especially for owners that are seeking a way to unlock their commercial equity and not go through the expense and “brain damage” of a traditional commercial loan.