ALL EQUINES ARE PRONE TO LAMINITIS 2/24

There are only two kinds of horses.... those that have laminitis and those that could someday get it!

• Reluctance to move freely (especially on hard/rough surfaces).
• Blood stains visible in the white line or hoof wall.
• Pulse and respiration may be elevated due to pain.
• When moving, prefers to canter rather than trot if given a choice.
• Feet are off balance - may have long toes, high heels or both.
• Moves forward soundly but takes slightly shorter than normal strides.
• Sound on soft terrain but may limp or stumble on hard or rocky ground.
• Sole bruising and a stretched white line (in some horses, by the time you see this they have been compromised for quite some time).
  
  Photo: If your horse's hooves have numerous stress rings like this one, it probably indicates repeated episodes of sub clinical laminitis.
  
  Late clinical signs: (Founder)
• Lies down a lot
• Standing but will not move
• Bounding digital pulse
• Sole hot to the touch
• White line stretched
• Will not allow you to pick up a foot
• Stops eating
• Sole bruise in the shape of a coffin bone
• Shifting weigh tfrom foot to foot (swaying side to side).
• Standing with front legs stretched out, back arched, trying to lean back to get weight off toes.
• When asked to turn in a tight area like a stall or narrow barn aisle the horse rocks backwards onto haunches, lifts head up and lurches around because it hurts to turn the feet.
  
  Usually several of these signs will appear together or appear over the course of a few days.
  All of the signs need to be evaluated in context. No single indicator would be diagnostic for laminitis.

• Do you have hooves trimmed regularly? (ie: every 4 weeks - not 8, 10 or 12) to maintain good hoof balance and health.
• What is the diet? Grains, lucernes, rich grass or a fresh flush of grass all cause laminitic attacks.
• What stresses does your horse endure? Travelling, competing, over training, illness, vaccinations, de-worming and medicating can all be triggers for laminitis.

Amazing Founder Rehabilitation through hoof trimming and wholistic care.
Most vets and horse owners consider a severe case of laminitis to be a death sentence. Some think it’s too much hard work and expense for them and too much pain for the horse or pony to endure. But why should we give up on those wonderful creatures who have given us so much? Previously it was thought that a foundered pony or horse couldn’t ever return to soundness and therefore usefulness – I was one of them. Since meeting Glynn and being involved in his rehabilitation, I’ve discovered otherwise.
With a good natural hoof trim on a regular basis and changes to a more natural diet free of rich grasses, a horse can grow a whole new hoof (or 4). This re-aligns the pedal bone and the horse becomes sound and able to perform again. In the process the owner learns how to care for the horse so laminitis doesn’t re-occur. Everyone is a winner!

Here is the story of Glynn and his recovery.
Glynn is a 22 year old Welsh Section A stallion and was a show ring champion in NSW in his younger days.
His move to Tasmania last year onto richer grass, and in-frequent hoof care caused laminitis which was so severe that most vets would have recommended euthanasia.
All four pedal bones had rotated through his soles causing open wounds and extreme lameness.

 

Glynn's founder stance prior to the first trim.

Cynthia was called for advice in February 2005 and fortunately, respected QLD Hoof Trimmer, Peter Laidley was in Tasmania for a workshop so was able to do the initial trim and prescribe a course of treatment. Trims were continued by Cynthia along with daily love and care from his owner, followed by another check up from Peter in May.

In the space of seven months he went from being barely able to move, to trotting and cantering freely on grass. He is now able to handle walking on gravel and his hooves will continue to improve and toughen up now that they are back in shape.

Treatment Summary:
*A natural trim every week for 8 weeks, then every fortnight for the next 6 weeks & now every 3 weeks.
* Initial bandaging of the front hoof wounds to keep honey in and dirt out until the wounds were healed (3 months).
* Painkillers to keep spirits up and encourage some movement (gradually phased out after 4 weeks).
* Confinement away from grass in a large stock yard on soft footing (wood chips & straw then some pea sized gravel was added in wet areas).
FOOD ALLOWED:
Free choice average quality grass hay plus oaten chaff with supplements and a small amount of pellets (Hygain Ice recommended) and a few vegetables for variety.
Once the hooves have regained a sound shape, a small amount of grass is allowed daily (1 hour of grazing with a muzzle on). Once the grass dries off, more grazing can be gradually offered.

 

 

Right after the first trim and padded hooves, Glynn was able to get relief and stand comfortably.

 

The front hooves prior to the first trim - extremely high heels contributed to rotated pedal bones through the sole.

 

The worst front hoof showing the pedal bone through the sole

Polystyrene pads initially provided support and relief.

9 months later the worst front hoof has regained a sound structure.

 

The hind hoof also showing a wound from the rotated pedal bone and blood in the white line.

 

A hind hoof half way through treatment showing the new and old growth.

 

The hind hoof 9 months later.

 

The front hoof is getting closer to its ideal shape 9 months later.

 

Glynn looking and feeling great 9 months later.

 

Glynn was trimmed by Peter Laidley for his 1 year anniversary trim and shows his appreciation with a pony kiss.

 

His hinds are looking fantastic.

 

His front hooves still have some recovery to do but are so much better.

 

Glynn looking good (but still a bit cresty) in Feb. 2006 exactly 12 months after his first rehab trim.

Your Horse is what it Eats - By Cynthia Cooper

Horses evolved to eat small amounts of grasses, herbs and minerals almost constantly throughout the day.
They covered many miles to reach water and lived in small herds of varied ages and sexes.
Does this sound like the modern horse?
Not really - their involvement with humans has necessitated their restriction and artificial feeding for ease of use as a working animal.
But today the majority of horses are used for pleasure and that pleasure need not be all ours. If we want a happy, healthy horse to provide many years of companionship then we can change our ways to suit their nature.

Many new ideas are replacing traditional methods of horsemanship and health care with hoof care and feeding now the focus. Natural Hoof Care practitioners and forage researchers have discovered that horses cannot be fed like cows – on high sugar grasses that maximise beef and milk production. To do so, compromises the health of our horses by causing laminitis as horses become more carbohydrate intolerant – commonly called ‘good doers’.

When horses eat high sugar grass it causes a toxic reaction in the hind gut which then affects the connection between hoof wall and laminae (sensitive internal structure). This causes common hoof ailments such as abscesses, seedy toe, white line disease and deformed, shallow, sensitive hooves.

With a little thought and planning, better management and feeding practices can change all of this.
Here are some changes you can make with feeding to improve health:

Real Estate Info

An Appraisal is the same as a Home Inspection While both an appraisal and home inspection provide important information to all parties, the two are not the same. An appraisal is done to determine the value of a property, generally for the benefit of a lender. The appraiser will inspect a property for improvements and deficiencies but only to determine the overall value of a property. A home inspection, on the other hand, is an inspection, but its main purpose is to look at the 'guts' of a property, assessing the overall condition, and inspecting the major systems, appliances and structure to determine the shape of a property. The appraisal is done to determine the value of a property; a home inspection (which isn't required) is done to determine the overall health of a property.

Appraisers Use a Formula to Determine the Value of a Property The way in which appraisers determine the value of a property is very detailed. An appraiser will analyze all aspects of a property: location, condition, size, proximity to amenities and other facilities, and s/he will also consider the recent sale prices of comparable properties in the area. Other items that are considered in the appraisal: number of bedrooms and bathrooms and the floor plan functionality. The appraiser does a visual and physical inspection of the interior and exterior of the property. S/he will take into consideration the type of flooring in a home; the materials used in the kitchens, bathrooms, and other rooms; the siding and any other recent upgrades. An appraiser will also consider things that need to be repaired, and other miscellaneous items. Far from a specific formula, appraisers use a lot of data to determine the appraised value of a property and an appraisal can take a number of hours to complete depending on the size of a house and complexity of the property.

MUST WATCH THIS RESCUE

10/9 Great Idea!

9/13 Never Leave the Haulter on

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SELLING A FOR SALE BY OWNER

In today’s market, with home prices rising and a lack of inventory, some homeowners may consider trying to sell their home on their own, known in the industry as a For Sale by Owner (FSBO). There are several reasons why this might not be a good idea for the vast majority of sellers.

Here are the top five reasons:

1. Exposure to Prospective Buyers

Recent studies have shown that 95% of buyers search online for a home. That is in comparison to only 17% looking at print newspaper ads. Most real estate agents have an internet strategy to promote the sale of your home. Do you?

2. Results Come from the Internet

Where did buyers find the home they actually purchased?

• 49% on the internet
• 31% from a Real Estate Agent
• 7% from a yard sign
• 1% from newspapers

The days of selling your house by just putting up a sign and putting it in the paper are long gone. Having a strong internet strategy is crucial.

3. There Are Too Many People to Negotiate With

Here is a list of some of the people with whom you must be prepared to negotiate if you decide to For Sale By Owner:

• The buyer who wants the best deal possible
• The buyer’s agent who solely represents the best interest of the buyer
• The buyer’s attorney (in some parts of the country)
• The home inspection companies, which work for the buyer and will almost always find some problems with the house
• The appraiser if there is a question of value

4. FSBOing Has Become More And More Difficult

The paperwork involved in selling and buying a home has increased dramatically as industry disclosures and regulations have become mandatory. This is one of the reasons that the percentage of people FSBOing has dropped from 19% to 8% over the last 20+ years.

The 8% share represents the lowest recorded figure since NAR began collecting data in 1981.

5. You Net More Money When Using an Agent

Many homeowners believe that they will save the real estate commission by selling on their own. Realize that the main reason buyers look at FSBOs is because they also believe they can save the real estate agent’s commission. The seller and buyer can’t both save the commission.

A study by Collateral Analytics revealed that FSBOs don’t actually save anything, and in some cases, may be costing themselves more, by not listing with an agent. One of the main reasons for the price difference at the time of sale is: 

“Properties listed with a broker that is a member of the local MLS will be listed online with all other participating broker websites, marketing the home to a much larger buyer population. And those MLS properties generally offer compensation to agents who represent buyers, incentivizing them to show and sell the property and again potentially enlarging the buyer pool.”

If more buyers see a home, the greater the chances are that there could be a bidding war for the property. The study showed that the difference in price between comparable homes of size and location is currently at an average of 6% this year.

Why would you choose to list on your own and manage the entire transaction when you can hire an agent and not have to pay anything more?

Bottom Line

Before you decide to take on the challenges of selling your house on your own, sit with a real estate professional in your marketplace and see what they have to offer.

Goat or Bird?

Turning Buyers Into an LLC

Creating a separate legal entity for buying a second home is a smart way for ordinary households to protect themselves

If you’re working with a couple interested in buying a second home as an investment property, you might suggest they talk to a lawyer about setting up a limited liability corporation or other legal entity before they buy. That way, if they’re sued by someone who was on the property after they bought it, they can limit their damages and protect their personal assets against losses.

Suppose a contractor they hire makes negligent repairs to a deck and it collapses while tenants and guests are having a barbecue. The judgment in a case like this could easily exceed the equity the owners have in the property and even the coverage limits on their insurance policy.

Or perhaps they rent the property to a person who owns a dog not covered in a typical landlord policy and the dog bites someone on the property. State Farm, for example, determines risk based on a dog's bite history not its breed. The company paid $121 million in dog bite claims in 2016 at an average of $33,000 a claim. A claim of that amount might exceed the equity the homeowners have in their property. That could make their personal assets vulnerable to the judgment.

Or let’s say the carbon monoxide detector is faulty and the property has a 20-year-old furnace that develops cracks, releasing gas indoors. Tragically, a family of four staying in the property is killed. The owners could face four wrongful death actions caused by negligence.

Gravity of Risk

These are rare occurrences, to be sure, but they point to the gravity of risks that investment property owners can face. In fact, the scenarios illustrate one of the main differences between real estate and other types of investments like stocks or bonds: real estate can carry risks that exceed the investment in the asset.

Of course, an owner’s first layer of protection is insurance, but owners might fail to recognize that their losses can exceed coverage limits. Or there may be exceptions or carve-outs in the coverage that exclude or limit the losses. These gaps in coverage might expose the owner to unlimited liability. In today’s litigious world, $100,000, $300,000, or even $500,000 liability coverage may be inadequate. Also, owners converting their home to an investment property might not think to take out landlord or vacant property coverage.

To get the right amount of protection, buyers should strongly consider a personal liability umbrella policy with $1 million to $2 million in coverage. But they should also consider forming and running a corporation or LLC. The type of entity they can form varies and is governed by state law, but nearly all states allow incorporated entities like limited liability corporations, partnerships, C corporations, and subchapter S corporations.

Pricing Considerations

Deciding which type of entity to set up and how to structure it should be done with advice of counsel. The process may not be expensive. Depending on the area and particularities of the household, the legal work can be done for a few hundred dollars. There are also do-it-yourself forms online, but self-help isn’t recommended; these entities, whether for  your own investments or your clients’, have to be set up correctly to get the maximum protection.

Investing in real estate can be a smart decision. The right property can outperform other investment vehicles. But because real estate investment comes with potential pitfalls, it makes sense to have sufficient insurance and for investors to consider setting up an LLC or other type of entity to separate their liability from their personal assets.

So cool LION