# Death Calculator – How Long Will You Live?

Take the Quiz!

Answer all quiz items as truthfully as possible – in other words, to the best of your knowledge. Don’t guess. Begin with 79 years, then add or subtract years based on the scoring of your answers on each item. Your completed (total) score is a rough estimate of your current life expectancy.

1. Where is your ancestral home? (if not given, enter a score of 0). US = minus 2. Austria-UK = minus 1. Canada-France-Italy = 0. Australia-Singapore-Sweden = plus 2. Japan = plus 3. FACT: Life expectancy varies by nation due to genetic and cultural differences.

2. What is your gender ? Female = plus 1. Male = minus 2. FACT: Life expectancy favors the female gender regardless of culture.

3. Do you have an annual physical exam? Yes = plus 3. No = minus 3. FACT: Many diseases (cancers, hypertension) in later life are asymptomatic, go unnoticed and untreated.

4. Do you have parents, grandparents, or great-grandparents who lived to 85-plus? Add 2 for each 85-plus relative. FACT: Research demonstrates that long-lived parents tend to produce long-living children.

5. Do you volunteer on a weekly basis? Yes = plus 2. No = minus 1.

FACT: Studies confirm that volunteering focuses attention away from ourselves and onto others.

6. Do you live alone? Yes = minus 3. No = 0. FACT: Adults who live alone tend to be less well-nourished, more isolated, and less nurtured.

7. Are you able to laugh at and learn from your mistakes? Yes = plus 1. No = minus 3. FACT: Laughter, humility, and a positive outlooks are linked to increased life expectancy.

8. Do you have a confidant who listens to your most intimate concerns? Yes = plus 1. No = minus 2.

FACT: Confidants offer emotional catharsis and a sense of personal worth to those in crisis.

9. Do you engage in daily mental exercises such as puzzles, games, learning or problem-solving? Yes = plus 4. No = 0. FACT: Individuals that continually challenge their minds suffer fewer cognitive disorders.

10. Do you engage in some form of daily aerobic exercise such as swimming, jogging or biking? Yes = plus 2. No = 0. FACT: Exercising at one’s target heart rate strengthens the heart and boosts metabolism.

11. Do you eat a balanced diet, including fresh fruit, vegetables, and whole grains? Yes = plus 2. No = minus 3. FACT: Balanced dieters experience lower risk of both genetic and culturally related diseases.

12. Do you smoke a pack of cigarettes daily? Yes = minus 5 for men, minus 10 for women. No = 0. FACT: Smoking causes nearly half a million cancer and lung disease deaths every year.

13. Do you live with, work with, or spend time with people who smoke? Yes = minus 1 for men, minus 2 for women. No = 0. FACT: Although close association with smokers is thought to reduce a person’s life expectancy by one year, recent research suggests this association may reduce life expectancy by two years.

14. Does your body weight “yo-yo” as you go on and off diet fads? Yes = minus 5. No = 0. FACT: Unorthodox dietary regimens stress the heart and immune system, increasing the risk of disease.

15. Do you own a pet? Yes = plus 2. No = 0. FACT: Peer-reviewed scientific journals substantially support longevity benefits of pet companionship. (Note: Avoid exotic pets, such as parrots, monkeys, reptiles, or rodents. These animals have been known to carry diseases that can be transmitted to humans.)

16. When writing, which hand do you use? Left-handed = minus 1. Right-handed = 0. Life is stressful for lefties living in a made-for right-hand world. FACT: Lefties live in a world where most objects are designed for right-handed people. Objects such as scissors, pencil sharpeners, door openers, and can openers are rarely designed for left-handed people.

17. How tall are you? For every inch of your height that exceeds 5’8″ = subtract six months. FACT: Size does matter, but not in any way you may have thought. Shorter people live longer.

18. Do you belong to any religious group, and do you practice your faith? Yes = plus 2. No = 0. FACT: Attending to both physical and spiritual needs lowers morbidity and mortality.

19. Do you have two or more daughters? Yes = plus 3. No = 0. Daughters are elder caregivers. FACT: Daughters provide the bulk of eldercare. Even daughters-in-law provide more care than do sons.

20. Do you use stress management techniques such as meditation, quiet time or visiting a spa? Yes = plus 4. No = minus 3. FACT: Because there is no escape from stress in our modern society, stress management is the best response.

21. Do you walk to work? Yes = plus 2. Ride to work? Yes = plus 1. Drive to work? Yes = minus 3. FACT: Walking offers fitness benefits, as well as a sense of self-reliance and personal freedom (no gridlock!).

22. Have you had cosmetic surgery? Yes = plus 5. (But subtract 1 for each additional surgery during the same decade.) FACT: Cosmetic surgery reduces age phobia and age discrimination and evokes a positive response from a youth-obsessed world. Too many cosmetic surgeries (that is, more than one every 10 years), however, may actually accelerate the aging process.

23. Do you fear the uncertainties of growing old? Yes = minus 1. No fear = plus 0. FACT: Fear of aging increases your risk of emotional illnesses such as self hatred, denial and depression.

24. Do you routinely use cannabis? Yes = minus 4. No = 0. FACT: Scientific studies claim that frequent cannabis use increases the risk of physical and mental disorders-such as lung and heart disease and psychosis-by as much as 150 percent.

25. Are you sexually promiscuous? Yes = minus 6. No = 0. FACT: Engaging in unprotected sex with multiple partners greatly increases the risk of sexually transmitted diseases.

26. Are you engaged in a long-term relationship of trust and mutual respect? Yes = plus 5. No = 0. FACT: A relationship of this nature fulfills emotional, social, and physical needs and lowers morbidity and mortality risks.

27. Are all your friends the same age as you? Yes = minus 2. Do you have friends of different ages? Yes = plus 1. FACT: Having friends from a younger generation counters an age-related decrease in your social network. Social isolation sets the stage for a variety of age-accelerating conditions. Those who live alone, for example, have a shorter life expectancy due to poor nutrition; the absence of companionship and someone who can intervene during periods of depression or physical illness; a decreasing need to get dressed and groomed; and safety issues (for example, the hearing impaired often misinterpret abnormal sounds, such as bathroom water pipes gurgling, as human voices whispering) and no one is present to tell them otherwise.

28. Do you keep a written list of specific life goals with time frames for completion? Yes = plus 1. No = 0. FACT: Studies of performance behavior link specific goals and achievements to quality of life.

29. Do you have a family (blood relatives) history of cardiovascular disease or cancer prior to age 50? Subtract 2 per occurrence. FACT: Family history demonstrates just how many cultural risks are increased by genetic predisposition. Culture (lifestyle) and genetics (inherited conditions) moderate the aging process. For example, some ethnic groups share a history of longevity, as do the children of long-lived parents.

30. Do you have a family history of obesity, diabetes, or chronic depression? Subtract 2 per occurrence.

FACT: Family history demonstrates just how many cultural risks are enhanced by genetic predisposition.

31. Do you take a once-daily dose (physician-approved) of an anti-inflammatory agent? Yes = plus 4. No = 0. FACT: Scientific studies of anti-inflamatory drugs such as aspirin and statins show a reduced risk of cardio-vascular diseases such as heart attack and stroke.

32. Do you have an annual physical exam that includes a review of diet, over-the-counter medications, prescriptions, and dietary supplements? Yes = plus 2. No = minus 3. FACT: Without oversight, combining prescription and over-the-counter medications with dietary supplements can be life threatening.

33. Does your dental care routine include daily brushing and flossing, plus a six-month checkup and cleaning? Yes = 0. No = minus 1.

FACT: A lack of preventive dental care and poor oral health habits raises the risk of infection elsewhere in the body, such as the heart.

34. Do you compute your daily caloric needs, then reduce caloric intake by 20 percent? Yes = plus 2. No = 0. FACT: Research demonstrates a strong relationship between reduced caloric intake and longevity. If you answered “No” to this question, read the chapter, Thoughts for Food, for more information about computing your daily caloric needs and the benefits of reducing your caloric intake by 20 percent.

35. Do you have one daily serving of red wine (7 oz), purple grape juice (7 oz), or RDA grape-seed extract? Yes = plus 2. No = minus 1. FACT: The agent in purple grapes enhances cardiovascular health by flushing cholesterol from the arteries.

36. Do you have one daily serving of oatmeal or oatbran (one -half cup, or one 70- gram granola bar)? Yes= plus 1. No= minus1. FACT: The fiber in oatmeal enhances cardiovascular health by flushing cholestoral from the arteries.

37. Are you involved in supervised strength training 3 times per week? Yes = 0. No = minus 1. FACT: Muscular strength, flexibility, and coordination are essential to daily living and reduce the likelihood of tripping and falling.

38. Do you have a daily exercise routine that consists of at least 20 minutes of supervised cardiovascular training at your target heart rate, as well as warm-up and cool-down periods? Yes = plus 2, No = 0. FACT: Cardiovascular and metabolic benefits occur when exercise is performed at your target heart rate. If you answered “No” to this question, read chapter five, Full Body Contact, for more information about calculating your target heart rate and the benefits of a regular exercise routine.

39. Is your home and indoor work space adequately ventilated by frequently opening windows, or equipped with air filtration that can filter microscopic particles? Yes = plus 1. No = minus 1. FACT: Environmental studies have documented increasing evidence of cardiopulmonary diseases generated from indoor air and materials. Common items you have and use in and around your home – such as carpets and furniture, insecticides, cleansers, and paint and varnish – can release toxins into the air. In addition, all homes absorb toxins from the outside environment through normal cracks in foundations and walls.

40. Do you eat or drink more than two daily servings of caffeinated products, such as coffee, tea, cola, or chocolate? Yes = minus 2. No = 0. FACT: Caffeine helps headache pain, but its toxic affect elsewhere elevates the risk of cancer and heart disease.

41. Is your BMI (body mass index) 25 or greater? Yes = minus 4. No = 0. FACT: A Body Mass Index of 25 or above increases the risk of diabetes, heart attack, stroke, and hypertension. Clinical obesity has multiple negative and long-term effects on organs throughout the body. If you do not know how to calculate your Body Mass Index, read chapter five, Full Body Contact, for more information.

42. Is the average time you take to consume your meals more than 30 minutes? = 0. Less than 30 minutes? = minus 1.

FACT: Your brain requires 30 minutes to measure fullness, by which time you’re often on a second or third helping.

43. Do you eat, drink, or use a cell phone while driving your vehicle? Yes = minus 1. No = 0. FACT: These distracting behaviors elevate your risk of frightening close calls and outright accidents.

44. Do you have a consistent work schedule (i.e., work 9 to 5)? = 0. Or do you have an inconsistent work schedule (shift work that changes schedule)? = minus 2.

FACT: One in four workers is in a shift-work occupation that results in chronic sleep deprivation.

45. Within a 24-hour day, do you sleep nine or more hours? Yes = minus 1. Do you sleep 6-8 hours? Yes = plus 2. Do you sleep 5 hours or fewer? Yes = 1. FACT: On average, most people need between 6 and 8 hours of sleep. Sleep deprivation is associated with poor concentration, more frequent accidents, and substandard effort.

46. Can you list symptoms associated with colon cancer? Yes = plus 1. No = minus 2. FACT: It is not necessary for this cancer to be so dangerous to your health. Get a checkup, now.

47. Can you list symptoms of adult-onset diabetes? Yes = plus 2. No = minus 3. FACT: Genetics, lifestyle, dietary habits, or a combination of the three are all risk factors.

48. Women only: Can you list breast cancer symptoms? Yes = plus 2. No = minus 3. FACT: Preventive measures such as breast self-examination and mammography remain under-utilized.

49. Can you list high blood pressure symptoms? Yes = minus 2. No = 0 FACT: There are no symptoms associated with high blood pressure; therefore, you should have your blood pressure checked regularly.

50. Women only: Have you had a bone density test as a preventive step against osteoporosis? Yes = plus 1, No = 0. FACT: Osteoporosis is more prevalent in women and increases the risk of back and hip fractures. Start monitoring early. As a preventive health measure, women should monitor their calcium needs as early as age 23 and their bone density as early as age 30.

51. Men only: Can you list prostate cancer symptoms? Yes = plus 2. No = minus 2. FACT: After age 50, your doctor should monitor prostate health by reliable digital or PSA testing.

52. Men only: Can you list testicular cancer symptoms? Yes = 0. No = minus 1. FACT: Avoid clothing fabric or styles that elevate testicle temperature. Monitor on a regular basis by inspecting the soft tissue of the testicles for lumps and painful areas; if found, see your doctor for a professional examination.

53. Women only: Can you list ovarian cancer symptoms? Yes = plus 2. No = minus 2. FACT: Early risks exist but increase after menopause, and in association with advancing age.

54. Can you list heart attack symptoms? Yes = plus 1. No = minus 2. FACT: Learn the symptoms and immediate interventions. Learn Cardiopulmonary Resusciation (CPR) for protecting loved ones.

55. How would you rate your sex life? Satisfactory = plus 1. Not sure = minus 0. Not satisfactory = minus 1. FACT: Overstimulation by advertising, entertainment, and fashion results in a genuine need for a positive sexual outlet.

Now add it all up. Your score is an estimate of how long you can expect to live. A score of less than 79 years should alert you to take positive action. In fact, 75% of longevity predictors are based on lifestyle, not genes. Remember, long life depends on seven factors: genetic inheritance (good genes give you a good head start), physical fitness, mental fitness (exercising your mind), emotional fitness (meaningful lives last longer), spiritual fitness (interpreting the purpose of life), food fitness (healthy nutrition and diet) and environmental fitness (limiting our exposure to toxic chemicals). Remember, the key to a long and healthy life is more than smart genes and dumb luck.

Low score? It’s never too late to make positive lifestyle changes. A complete lifestyle plan, in an interactive question & answer format is available in Dr. David Demko’s book, “Live Well Now, Dr. David Demko’s Anti-Aging Plan to Youth’n Your Life”.

# How To Choose The Right Pet Food For Your Dog Or Cat

We want to give our pets the best possible nutrition, but with so many choices, how do we separate the best from the rest?

Do words like “premium” and “gourmet” actually mean anything? Are foods labeled “natural” and “organic” actually healthier? The truth is, when it comes to pet food, many of these terms have no standard definition or regulatory meaning. There is no one perfect source for comparing kibbles and chows. There is, however, some basic information that you can use to evaluate what you feed your four-legged family members.

Checking out the food label

Pet food labels have two basic parts: the principal display panel and the information panel. The first takes up most of the packaging – it includes the brand and name of the food, and descriptive terms and images. But the most important part of the label is the information panel, which is the parallel of a human nutritional information label. It contains the guaranteed analysis, ingredient list, feeding guidelines and nutritional adequacy statement.

You won’t find as much detail here as on human foods, but the nutritional information does give minimum percentages of crude protein and crude fat, and maximum percentages of crude fiber and moisture. “Crude” refers to the method of measuring that is used, not the quality of the protein, fat or fiber. These percentages are on “as fed” basis, so foods that contain more water (canned foods) appear to have less protein than foods with less water (dry foods) – but that’s not usually the case.

Ingredients in a pet food must be listed on the label in descending order by weight. One detail to remember, though, is that the weight includes the moisture in the ingredient, so certain ingredients may appear higher on the list even if lower – moisture ingredients contribute more actual nutrients. The order isn’t by nutritional value, but by weight.

For example, the first ingredient on a label may be “chicken”, which weighs more than other individual ingredients because it may contain 70% water. But wheat may be present in various forms that are listed as individual ingredients, such as “wheat flour”, “ground wheat” and “wheat middling”. Thus, the diet may actually contain more wheat than chicken. Just because a protein source is listed first does not mean the diet is high in protein.

Feeding guidelines are also on the information panel of the label. Like human food labels, pet food labels give broad feeding guidelines. Pet food guidelines are based on average intake for all dogs or cats. But a pet’s nutritional requirements can vary according to his age, breed, body weight, genetics, activity level and even the climate he lives in. So, these guidelines are a starting point, but may require adjusting for your particular furry friend. If your dog or cat starts gaining weight, you may need to feed her less, and vice versa.

Let’s look at the nutritional adequacy statement, developed by an advisory organization that standardizes pet food nutrient contents called the Association of American Feed Control Officials (AAFCO). This statement assures pet parents that when the pet food is fed as the sole source of nutrition, it meets or exceeds nutritional requirements for a dog or cat at one or more life stages. However, the AAFCO recognizes only “adult maintenance” and “reproduction” (which includes pregnancy, lactation and growth) as life stages; or, if the diet meets both, “all life stages”.

The nutritional adequacy statement also shows how manufacturers have met the AAFCO’s standards, either by calculations or by feeding trials. Calculations estimate the amount of nutrients in a pet food either on the basis of the average nutrient content of its ingredients, or on results from laboratory testing. Such a food will carry a statement like: “Brand A is formulated to meet the nutritional levels established by the AAFCO Food Nutrient Profiles for (stated life stages)”.

Feeding trials signify that the manufacturer has tested the product by feeding it to dogs or cats under specific guidelines. These products carry a statement such as: ” Animal feeding tests using AAFCO procedures substantiate that Brand A provides complete and balanced nutrition for”.

The ingredient panels on pet food labels contain a lot of information for pet parents to digest, but there’s still more to savor, including getting a taste for the terms on the principal display part of those labels. For instance, a pet food can claim to be “light/lite” or “lean” only if it meets the AAFCO’s standard definitions for these terms, which differ for cat and dog food and depend on the dietary moisture content.

“Less calories” and “reduced calories” mean only that the product has fewer calories than another product, and the same goes for “less fat” or “reduced fat.” Pet food labels are not usually required to provide calorie content.

Some pet parents try to eat an organic diet, and often they want their pets to eat that way, too. Keep in mind, though, that even if a pet food is “natural” or “organic” it usually contains added synthetically-produced vitamins and minerals. To date, there are no studies showing that natural or organic foods provide any health benefits over conventionally manufactured processed cat or dog foods.

More recently, there has been a trend for feeding “biologically appropriate raw food” (also known as BARF) and “grain free” pet food.

Barf diets have been reported to have many health benefits over conventionally processed foods, such as being easier for pets to digest. While no scientific publications have documented the health benefits of raw diets, they have not been shown to be detrimental, either. When feeding any raw food, there is always concern about the risk of bacterial infection, such as Salmonella, but of course, conventional pet foods have also been recalled for contamination.

Proponents of “grain-free” diets claim they have many health benefits for pets, including increased digestibility and decreased allergens. But in fact, dogs and cats easily digest carbohydrates from grains or vegetable sources. Food allergies are often blamed on the grains in the diet, but this is not based on scientific data either, and most food allergies may be due to chemical reactions between the protein and carbohydrate ingredients in a diet.

Think inside the bowl

So what is the best to feed your dog or cat? The short answer is, there is no one “best” cat or dog food. It’s up to you as the pet parent to find what works best for your family and your pet. Try to choose a diet that has been evaluated using feeding trials for nutritional adequacy, and then let your pet’s body do the talking. On an appropriate diet, your pet should have formed stools – not too much, not too frequently.

Her coat should have a rich color and not be dry or brittle. She should have good energy, ideal weight and good muscle mass and tone. Intermittent vomiting, loose stools or a picky appetite are not normal, and if these occur, then you should consider re-evaluating your pet’s diet.

Nutrition is an important aspect of your furry friend’s health and longevity. There is useful information on pet food labels, but be aware there is less information than on human food labels. And be wary of outrageous claims. Remember: ” if it sounds too good to be true, then it probably is “.

# Are You Keeping Your Birds And Other Pets Together?

When nature created a diversity of organisms, it made its own rules for predators and preys. Though both these elements of nature could co-exist in a single kind of environment, they possess some specific traits with which they could survive against each other.

For instance, the predators depend on preys for their food and the preys too have adequate opportunities to protect themselves.

Troubles arise only when the most intelligent elements of nature- the human beings pose disturbances in the working of natural processes.

One of the similar situations arises when you choose to keep multiple pets together, out of which, the beautiful birds such as parrots are bought to live with dogs and cats.

You might have used all the pet grooming tips to turn your furry, four-legged mates gentle in nature, but the mere sight of a prey could turn them ferocious. And this is to an extent that they could end up killing and eating your sweet pet bird.

You might have seen your cats hunting birds on trees in the garden, and your dogs chasing them in the meadow, in order to catch hold of them. In such a situation, could you ever imagine that two pets of exactly opposite nature could coexist with each other? Let us have a broader look at the above viewpoint.

Birds And Other Pets At Home:

People have choices among various kinds of parrots, dove, mynah, owls, nightingales, and larks etc. to keep them at home in cages. Most of these are extremely colorful and pleasing to view. Everything goes perfectly well until you decide to have just another pet in the form of dog or cat, or the other way round while having a four-legged pet first.

Though it is absolutely not an offense to keep the pet birds, dogs, and cats together, it is always better to be safe and sound with the predators and preys coexisting in a single place- your home sweet home.

Predatory Actions Of Your Four-Legged Pets:

It is very obvious and you might have viewed in innumerable animated movies in your younger days. The most famous one was the Looney Tunes Cartoon, where the cunning Sylvester Cat attacked the small but brave Tweety Bird. Though he could never accomplish his intentions, the reality could be completely distinct.

At the very first instance, all that your pet (most probably the cats) would come up to is the juicy flesh of the bird that could satisfy their belly. But how do you notice such conditions in your pets?

Well, you could see conditions such as the body of your pet absolutely still and its eyes stuck on the bird’s cage. The mouth could be closed tightly or the tongue of the animal smacking with delight. It would have absolutely erect ears and the tail too would be stiff, standing up straight. When your pet dog or cat focuses rather too much on your pet bird, it is a sign of caution to be paid heed to.

The predatory actions could occur almost in a wink of an eye, but the prior steps are immensely measured and calculated. These are the warning signals for you to get prepared and hush your pet to turn off from the attack.

Even if you have tied your dog securely, it could attempt to break loose by pulling its leash or barking continuously. Cats, of course, are rarely kept leashed and thus they have better chances of attacking your pet birds.

If you find any such condition in your house too, offer to calm your pets with instructions and pats. The pets could also be offered bits of treats as rewards to know that being in a friendly gesture is more rewarding than trying to attack the feeble mate.

If you are unable to control the tussle between your furry and winged pets, you could probably require the advice of an animal behavior specialist. The person could offer you the exact guidance upon your conditions, on how you could turn their brawl to more of a friendly gesture.

Precautions While Your Furry And Winged Pets Coexist:

While you wish to inculcate such an idea, you need to be careful of some specific points which are as follows:

· Keep Pets In Contact: If you think that the best method to prevent your pet bird from being attacked by your cat or dog is to separate them wholly, you could be completely mistaken. While the birds you possess love being socialized, the dogs and cats too could develop a sense of liking when they see the other pet daily. However, you need to practice this with some distance maintained effectively. Birds should be kept in a proper sturdy cage, which could either be hung on a secure place. Make sure that it is big and strong enough to resist the attacks of the mightier pet.

· Ensure Safety Of The Birds: The cage in which your bird is kept should be kept at a place that it makes it difficult for the other pet to attack. Make sure you hang it securely so that it does not fall down on being knocked.

It is not always obvious that the dogs and cats would attack your pet birds at their mere sight. However, proper safety measures are always to be ensured. Most of the birds that either stay in a cage or open with the other friendly pets, could get wounded in their play due to the sharp claws and teeth of the four-legged pets. Make sure to prevent any such conditions as these could turn out to be nasty.

· Do Not Leave The Pets Unattended Together: If you tend to forget the laws of nature and come to a conclusion that your opposite-natured pets have developed enough bond to forbid any perils, you could repent on your decision drastically. The birds that play open with dogs and cats could turn annoying at any instance and this is due to no specific reason. If the cats or dogs find enough reasons to do so, they could always tend to attack your pet birds, no matter how friendly they have been before.

· Pet Toys: If you have furry pets at home, before bringing a bird to their company, you could offer your dogs and cats some stuffed toys in the shape of birds and view how they react to them. It is no surprise that the pets could turn aggressive to use their nails and claws on the toys. It is then the liability of the pet keeper to calm an aggressive pet and turn it friendlier towards its toys. If the dog or cat tends to grab the toy bird in its mouth, you could forbid them from the process by offering them treats. In this manner, the new entrant in your house will have lesser chances of being welcomed with a nasty attack.

The Other Way Round:

It is really very unobvious to think but when you have a small breed of dog or cat and the bird is comparable in size to it, any timid nature of your furry pet could cause your winged-mate to attack it.

Birds too have nails and sharp beak, with which they could do a lot of damage. This could also be possible when you bring a new young-one of a furry pet in contact with your previously existing bird in the house.

In such a case, you would be required to keep your timid pet with safety and in a secure place. Offer them protected vicinity where the birds could never attempt to enter.

Though the pets could turn friendly in the future, you would be required to make sure that the introduction process goes well, without any kind of fury from any side.

Just as we mentioned before, accidents could occur at any instance and similar is with your pets. Whether they are friendly or not, they could tend to injure each other with the natural armaments that they possess.

In this too, the chances are always major of your birds getting injured. If this happens, follow an immediate vet referral. The bites from the teeth of cats and dogs or their claw-attacks could be lethal for the bird and hence they require an immediate medical attention.

Vets would diagnose them completely for any toxic consequences and offer treatments in the form of dressings and medications. You would be required to keep track of the vet schedules and offer medications in time for your pet’s hasty recovery.

In contrasting cases, the birds could offer a nasty bite to the furry pets with their beaks and tend to injure their eyes with their sharp nails. This situation too requires an immediate medical attention and could lead to many disorders in the body of pets.

Here too, the vets would offer the appropriate treatment, but with the assistance of the petkeeper to ensure their healthy recovery with proper measures.

Keeping winged pets (birds) and furry pets (dogs or cats) together could always be a matter of chance with its outcome. You may or may not expect them to behave aggressively towards each other, but paying heed to the safety measures and precautions is always imperative with such a notion.

# Calculating Your Pet Insurance Costs

There are two basic ways to get your insurance company for your pet will calculate the amount that is to be paid from the insurance claim. The two methods are the benefit schedule method or actually going through medical bills and calculate the exact amount to be paid.

Many people think that the benefit schedule method is the best payment method as it pays out the most for illnesses and other pet insurance issues. This method gives you a fixed amount right up front of how much a pet insurance policy will pay out. Therefore, no matter how much you spend on your pet’s medical bills, you will still only get a certain amount of money. This amount will not even change year to year as the vet bills rise. This is why if you choose this method you need to revise your benefit schedule periodically in order to make sure that you will be covered the way you want to be. If you don’t change your benefit schedule, the last three years have shown that you can lose as much as 20% in your claims amount in accordance with the rates of veterinary costs.

The only two insurance companies that use this method are Veterinary Pet Insurance and Pet First Health care.

The other, more traditional payout method is often referred to as the UCR method or “Usual, Customary, and Reasonable”. This is where you ask for the full payment of the medical bills that you have incurred for your pet. The amounts that you can claim vary from place to place, depending on the cost of veterinary services. This amount also changes if you have required emergency services for your pet, and the amount will change to year as veterinary costs change.

No matter the option that you choose, be sure that you do your research so there will not be any surprises. A lot of times your vet bill will be more than your insurance company will pay and you end up paying a lot out of pocket. This is especially true if you have the benefit schedule method because you will never receive over the fixed amount.

This is why it is so important to do your homework on your pet insurance policy before you choose one. There is nothing worse than a surprise bill that your insurance company won’t cover and you end up paying. The UCR method is more reliable than the benefit schedule method because you will actually get a closer amount to the actual bill than the benefit schedule method. Even though some people think that the benefit schedule method is better it is best to get the UCR method because it helps you cover your veterinary bills better.