Thứ Sáu, 1 tháng 12, 2017

News on Youtube Dec 1 2017

Welcome to Homebuyer's School

brought to you by Brookfield Residential.

Hi everyone and welcome to another edition of Homebuyer's School. Today I'm joined by

Mujtaba Syed, a Mobile Mortgage Specialist with TD Canada Trust. And today the

question we're gonna answer is -and one that's very, very I guess, a very popular

question is, "How much can I actually get pre-approved for a mortgage?" So Mo, how

much, if I go right now to talk to you or a mortgage specialist, what's the maximum

I can get pre-approved?

That's a really good question Karl, so technically what

we look at is we'd look at a bunch of different factors when we're looking at

the amount that you can get pre-approved for. The most important thing we do

look at your credit score, now a credit worthiness is an important part of the

approval process, so there are certain criterias and guidelines we like

your credit to be at to see maximum - minimum approval amounts. I'll try to

explain a little bit more.

So if your Beacon score is technically

above 680 where we want to be at,

we want your TDS, which kind of

stands for Total Debt Ratio. So a total

debt ratio is what we take, is we take

your income, we take your monthly

obligations, plus the new monthly

obligations of your home you're looking

at buying, which is going to be your

mortgage payment, property taxes,

utilities. We want it to be around 44% of

your income, and the reason why the banks

want to be able to do that is we want

the extra - 56% to be available

just in case you might need it. We don't want you to be house poor for

sure. So if you're Beacon score is above 680 we can go to a maximum 44% of

your TDS. But unfortunately if it's lower

than 680, we want to be at 42% of TDS

and these are just bank account and guidelines that we take a look at.

We also look at something called GDS which is your Gross Debt Ratio which is just

technically the housing cost we talked about. So the housing cost once

again is just your mortgage payments, your property taxes, and your utilities

that technically could be part of the home. We want that to be once again if

your Beacon scores around 680, we want

that to be around 39% which is the maximum.

Now, you know if your Beacon scores less than 680, we unfortunately

can't go more past 35% once again, just

bank account of rules to kind of see

exactly how much you get pre-approved for.

When you're talking about, so let's step back a bit here.

What is a Beacon score? Just for those who don't understand.

Absolutely, so a Beacon score is a credit score and it's

a whole bunch of different things that combine into making like a "risk

rating" for the bank. So what we do we can look through a whole bunch of different

situations. We could look at how long

you've opened your credit bureau,

what kind of debts you have on your

credit bureau, how you make your payments,

if you switch your job frequently we

want to be able to show stability. So if

you switch jobs often or you

move addresses often, that could actually

result in a lower score, or we want to show

stability, we want to show comfort so

technically a score where I like to explain to my clients is just a

statistic. So once when we say someone has a beacon score of 680 it just means

to the bank that 1 out of 680 people were most likely default on a loan

compared to someone who might have a beacon score of 700, so 1 out of 700 is

less riskier to the bank compared to 1 out of 680 or even 1 out of 600.

So that's how the bank's look at it. It is a little bit more complicated, a

little complex, but it's just a brief idea of who you are as a person

technically, how you come across to the bank.

Does a previous mortgage affect your Beacon score as well?

Absolutely yeah. A previous mortgage

could definitely affect and depending on your repayment, how you

made the payments, the amount, it could definitely impact in a positive way

or it could impact in a negative way.

Does a- would it would you recommend

then having let's say you know, let's say you're in the process of selling a home

and looking to buy another home, either another home or transitioning out of

that, in your opinion would it be better to make sure you sell your home first or it

doesn't really matter?

Yeah, to me I don't think it really

matters because when we actually look at the pre-approval process we

can factor all that into the application. We can look at what makes the most

sense for you. If it makes the most sense to you because you feel like

selling based on your financial obligations, we can look into that. We can

also look in getting your pre-approved or approved for a mortgage by currently

holding that property as well. A lot of people think they want to sell but then

decide that they might want to turn into an investment property or rental

property, there are many, many different ways we can work on to the

application, there is no just one way to kind of do that.

One question I always wanted to know is "should I max out in terms of how much I

can get pre-approved for?"

Yeah, so once again it just depends on where

your comfort level is. If you think that that's your dream home and you're very

comfortable with it and you see yourself moving in there and living in there for

a very long time you might consider buying that house, it might be a little

bit close for maximum living, but you might know that your income potential is

just gonna keep on getting more and more, and that's something that definitely you

could speak to your specialist about. I always tell my clients as long as you're

comfortable with the payments make sure you do the monthly budget, those monthly

obligations, and see exactly where that fits in based on your lifestyle. If that

makes sense for you based on your lifestyle, it's a comfortable payment,

you don't feel you're stretched or you don't feel that it's a little

bit too much for you, that's the ideal place to be in my opinion.

Great, do you have anything else to add?

No I think that's technically it. Once again we

just want to reiterate that, just really sit down with your specialist, talk about

your obligations, talk about your financial situation, talk about where you

see yourself in the future, all that could have a really big impact on your

decisions today. We want to be able to look into the future and see does this

make sense in the future as well, not just today.

Perfect, well thank you very much Mo, thank you very much everyone for joining

us and we'll catch you next time.

That's another edition of Homebuyer's School.

Tune in next time for more expert

tips and tricks, and visit homebuyersschool.ca

to bring you one step closer to finding

your dream home.

As with everything, it would be great if you

like and share our videos, also please

let us know if you have any home buying

questions you want us to answer.

For more infomation >> How much can I get pre-approved for a mortgage - Duration: 6:45.

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How Much Can Bicycles Change Communities? | World Bicycle Relief On GCN - Duration: 9:31.

- It's World Bicycle Relief Week here on GCN,

helping to change lives through the power

of bicycles.

In the second of our series, we follow Chris,

a farmer, as he goes about his daily routine

now with the help of a Buffalo Bike.

(Zambians singing)

- Today, we are in Zambia on a farm,

Christopher's farm to be exact.

He is in the background somewhere milking cows,

which he's been doing for an hour already.

It's 5:30 a.m. and I think he's going to

give me a go as well.

So, let's go on in.

(rooster crows)

(milking)

Christopher, thank you for having us at your farm.

- No, it's no problem.

- We're going to follow you for some of this morning.

So first, is that you're going to let me

have a go at milking, briefly.

What's the plan after that?

Are we going to load the bike up with the milk

and take it to the distribution centre?

- Yes, yes, that's the plan.

That we now start milking, and we load the bike

with the milk on the bikes, and then we deliver.

- Okay, I think we're going to see if I'm

strong enough to load the milk into the bike, as well.

It sounds like it's going to be very heavy.

- No, no, no, not very heavy.

I mean you look strong enough. (laughs)

- Not for you, yeah. (laughs)

Let's go and have a go.

- (speaks in foreign language) with milking.

- (laughs) He's laughing.

Like, yeah right.

- Uh-oh (laughing)

- It's nervous.

- Yeah it's nervous.

- Not as nervous as I am, but he's still nervous.

She, she.

- Okay, good to go.

(speaks in foreign language)

- Okay.

- Right.

- Okay.

So, from the top?

- Yeah.

Going down.

(milking)

- All right, we're off.

- Yeah.

- Oooh, spray.

What am I doing?

- Yeah, this is going to be a long one.

- (laughs) All right.

Come on, I've got to least ...

Oh .

Nope.

It's not happening out of any other one.

- Oh, yeah?

Okay, I think that's good for-

- Yeah, I think that's enough.

We'd better let your man get on with it.

(loud milk squirting)

(laughing)

Right I think all nine cows how now been milked.

A small part by me.

So we're ready to now put the very heavy urn

on to the back of the bike.

- Okay, you ready?

- I think he's gonna trust me to do it.

- Alone?

- Well, we'll see.

How heavy is it?

- It is quite heavy.

- There we go.

- You gonna need some help?

- I'm trying not to drop it.

- Okay, let me help.

- Got it?

Yeah, then we're going to ride to the collection point.

Chris is going to ride this bike, obviously.

His potentially 40 litres of milk could

fall all over the place if I'm on the bike.

- I think this should be good enough.

- Yeah, look's solid.

Right, let's go.

(uplifting music)

Before the Buffalo Bike, this 4 kilometre journey

would be done twice daily on foot.

So two people, one on either side of the urn.

Once in the morning, and again in the afternoon.

Or sometimes there'd be three people around two urns

when productivity is particularly high.

For other farmers, that journey can be

four times the distance.

It'd be quite a trick even without the milk.

And you can imagine what it's like to walk

with that extra 40 kilogrammes.

The bike has cut the journey time

by well over 50%.

And that makes a huge difference in time and energy,

but also ensures that the milk stays fresh.

(mosquitoes buzzing)

Oh, we've arrived.

We'll park the bikes up.

I'm gonna help Chris stabilise his bike.

(man speaks foreign language)

(laughing)

His friends are laughing at him.

At the collection point, we have to wait our turn

to get the milk tested.

If it's all good, it's then poured into a large container,

at which point Chris is paid for the amount

that he's brought in.

This is the first of two trips done each and every day.

So I think Chris and I are just about ready

to ride back.

We'll just let you know there are over 100 small farms

here in the small province of Palabana.

Over here you can see that there are

lots of Buffalo Bikes being used.

But here's somebody doubling up on the back here.

Couple of containers.

That must have been very heavy there on the way in.

But this is the difference these Buffalo Bikes have made

to the local community.

Because they're all riding in instead of walking.

(Zambians singing)

We're going to leave, briefly, our journey with Chris,

because I wanted to tell you about this very cool

charity and community.

This is called Chikumbuso, and it's been around

since 2005.

It was set up to help people in need.

So anyone from young vulnerable people through to

orphans, through to widows, and grandmothers as well.

And for the more senior people that arrive here,

they are taught how to crochet and how to sew,

and how to make some extremely cool products

out of recycled materials.

I, for example, have literally just purchased myself

possibly the coolest laptop case you will ever find.

For the younger ones, they have set up an in-house school,

which caters and educates children

right the way through from kindergarten to grade seven.

However, what they were finding was, that when they

left here and they went into the senior schools,

they were much further afield and sometimes

they weren't able to get there on foot.

And that is why 10 years ago they started

working with World Bicycle Relief,

in order to provide those students with the Buffalo Bikes

so they could finish what they'd started.

Right, we're back.

So I think Chris,

- Yeah?

- Time to wash the milk can.

- Definitely.

- One of your workers is going to do that.

We do that over here.

- We'll do it just here.

- And then Chris has got lots of work to do today with

his poultry section of the farm.

- Yeah.

- And also, what is the other thing you have to do today?

- The pigeonry we have to run see.

- Pigeonry as well?

- Yeah.

- He wants to go pigeons as you can see.

And then we'll be back to milking later on, or they will be.

Then back down to the ...

- To taking, delivering milk.

- Yeah?

- Yeah.

- Yeah, long day.

- Right, let's get this off.

Now if you're wondering why Chris' bike is

bright green or bright yellow, it is because

this is part of a special project called

the Conservation Agriculture Scaling Up Project.

Which was done in conjunction with the European Union,

Zambian government, and the Food Agricultural Organisation.

They have provided farms across Zambia with a total of

four and half thousand of these

special coloured Buffalo Bikes.

Chris, I know, is very grateful to have this

because he has used different bikes in previous years.

But the problem was that with those huge loads of milk

on the back, they broke pretty quickly.

Whereas this Buffalo Bike, which is of course

built to withstand loads of up to 100 kilogrammes

plus the rider himself, this is more than capable

of doing multiple years of journeys to and fro

with those loads of milk on the back.

We only followed Chris for the first half of his day.

It certainly wasn't easy just doing that.

And of course, farming is a seven day a week job,

arduous in these conditions then, to say the very least.

Even with the bike.

Now although Chris was fortunate enough to be

donated his bike, and all students receive theirs

free of charge,

most farmers will in fact pay for them over time

with a local employee purchase programme.

And that is a really important point, the

sustainability of World Bicycle Relief as a charity.

And the farmers are also finding that their

Buffalo Bikes are incredibly useful for another purpose.

And that is to bring their produce down to local markets

like this one is Palabana.

The donations that you have already made for the bikes

that have been given to people here in Zambia

have already made a huge difference,

but we can do so much more for them.

We would love to raise even more money than we did

back in 2016 this time around.

There is the incentive that Matt and Cy are going to

ride across London on a 5 kilometre stretch

wearing nothing but swimming costume.

But apart from that, the incentive is right here

behind me and with Christopher, who we've been

following today.

So a very big thank you to him,

and to all of you who've already made donations.

If you'd like to do so right now you can just

go into the description below,

follow link, and all of the details

will be right there in front of you.

If you would like to see Lizzie, meanwhile,

who we follow as a student on her daily routine,

you can find that video just down there.

For more infomation >> How Much Can Bicycles Change Communities? | World Bicycle Relief On GCN - Duration: 9:31.

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Max, Author Part 1 - What I do and how much I make - Duration: 12:17.

I'm Max Gladstone, I'm a novelist, I make about

$48,000 a year.

So I write fantasy novels, I write games, I write

short fiction and a little bit of non-fiction

and blogging and things like that.

The fantasy novels are set in the world of The Craft

which is sort of a modern fantasy universe.

So in Game of Thrones you have these kind of very

medieval fantasy universe in which there are kings

and dukes and things that are marching around with

armies on horseback.

In The Craft sequence you have developed modern cities

you have gods that have shareholders committees

and you have wizards that operate kind of like lawyers

signing arcane contracts with eldritch entities and

that sort of thing.

And I've written a couple of games that are also

set in that universe, I've also written a couple of

unrelated serial pieces of short fiction so

that's in collaboration with a bunch of other writers

we all get in the same room and figure out characters

and situations and then we plot out a series of

short pieces that'll follow through a sort of season

of television.

So there are really two different sections of your job

when you are a professional writer.

One of them is some friends of mine called writing

and the other one they'll refer to as authoring

pretty often.

Writing is just everything that's involved in creating

a piece of art.

You sit down at a table with a cup of coffee or whatever

caffeinated beverage strikes your fancy,

and you create a story.

You plan it, you do the line by line writing,

you do the coding if you're writing game.

You put a script together if you're making a

television series or a play or you just write the

sentences one after the other if you're writing a

book or a piece of short fiction and that takes

about half of my time.

Generally I'll get to a coffee shop at about 8:30,

nine in the morning, after walking my wife to the subway

and sit down and open my computer and start work

and I'll go until lunch and it's generally 12:30 or one.

Most writers I know, not everyone but most writers I know

have about four hours and change of peak creative

productivity in them in the course of a day.

And that's time you're just sitting down and

grinding on the thing.

Some people take that all at once, that's the way

that I do it I'll go for the deep dive and

then come back up.

Some people spread them out over the course of a day

it's really a question of whatever fits your lifestyle

and whatever fits your work.

After that's done, there's all of the other stuff

that you have to do as a professional writer.

In my case, that means staying on top of correspondence

with my publisher, with my agent, with other partners

if I'm working on a collaborative project or if I'm

working on a work for hire thing, or for a piece of video

where I'm only one piece of a larger creative puzzle.

So staying on top of all of that, behind the scenes

collaboration and then there's public facing work.

These days writers are expected to be responsible

for a lot more of their marketing, publicity efforts,

obviously publishers do a good amount of that work

but then you're working with the publisher to make

sure your efforts aren't going across purposes

which adds another layer of coordination and then you

have to be a little bit public facing.

Some people do this in different ways.

Some of that's social media, I spend probably too much time

on Twitter and some of that's directly promotionally

useful or interacting with fans useful and some of it's

for my own personal entertainment.

You stay on top of email that's coming in from fans

and try to plan larger scale business things.

What you want to do next with your career,

where you want to go.

And then there's the level of authoring that's just

figuring out how you're going to get to the place

you need to be.

There's a convention six weeks from now that I've

agreed to go to, do I have the plane tickets,

do I have the hotel reservation, am I splitting a room

with somebody or not, have I actually told this person

that I'm going to do that, so all the logistics.

And some writers at various stages in their career

will hire a personal assistant to help with the logistics

that's not the place that I'm at right now, but

some of that stuff you really never can offload.

You're always going to be fielding questions about

your business, trying to run and build it and

that will always be something that's in tension with

the actual creative part of the job.

So money is a touchy question in the publishing world,

especially money for writers specifically.

There's this vision of the starving artist as somebody

who's like, tuberculotic in a garret somewhere,

can't afford heat, coughing into a rag and desperately

scrawling out words of genius.

And this is a dangerous and problematic way to

think about doing art.

I mean even if you look at some of the great writers of

the last two, three hundred years, these are people

who did their peak artistic work even if they had

some period of living a van or a garret or something

a lot of their peak artistic work was done after reaching

a level of security.

Writers don't write well when they're hungry.

So it is really important to be thinking about

where the money's coming from and where's it going.

Writing's also starting a small business and that's

the thing that I think trips a lot of people up.

You're going into business as a sole proprietor,

of you LLC you are not going to get any loans to start

the business, you're not going to get any venture money.

And probably if you're into a writer, you have spent

a lot of time making stuff up, making cool stories,

and that sort of technical skill is something that

you have an enormous amount of expertise at,

but the business side is maybe a place where you'll

lag behind a little bit and publishing is it's own

separate universe of business even from working in

tech or working in law, working in a lot of different

professional fields.

So all of that said,

money as a writer can come from a lot of different sources.

Novels are generally, novels that are published with

traditional publishing, through traditional publishing

pay you in advance, which is basically a down payment

on the royalties that you will eventually earn from

the book having been published.

And that advance is against some percentage of the

cover price or the publisher's take home price of

the book that gets published as a unit either as

an electronic unit or as a physical unit.

The advance is if you're publisher is reputable,

the advance is non-refundable.

So at the very least, even if no books sell,

you get to keep however many thousand dollars the

publisher gave you for the advance, provided that

you deliver to them a book that they can then sell.

So the advance money when you're starting out is

what most authors are taking home.

This means that the early stages of your writing career

are going to be, unless you're sort of a sport,

unless you've had a really excellent first deal,

or unless things go surprisingly for you,

you're going to be at you're leanest in your first

year or two after publication.

If the book does reasonably well, I'm not saying

explodes into bestseller stardom status, but if it does

well enough to keep you working,

at some point you're going to earn out your advance

on that book and what that means is the royalties

that you've sold which will generally be you can

think about it as like a dollar or a couple dollars

per copy of book sold,

will close out the however many thousand dollar advance

that you earned initially.

After that, you have a passive income stream,

and that's where publishing starts to get

kind of interesting as an author.

Even if your books aren't in New York Times Bestseller

categories, if you have enough books that have earned out

and they stay in print and they keep selling,

you start adding up these checks that are going to come

in with no further work on your part.

Also you have as an author, your subsidiary rights to sell.

The big ticket ones of those are movie and television rights

and some people get their series made or get their

big movie made and then that's what they're eating on

for the rest of their lives.

But a lot of people make a little bit of money

selling options to works that they publish.

Hollywood is generally pretty hungry for content

and it's really excited to talk to people about

cool new stories that they've written.

So you can make a certain number of thousands of dollars

selling options for a year or two years to a studio,

to a screenwriter who might then try to adapt and

sell that story.

But there are also translations into foreign languages,

a lot of people make a lot of their money off of that.

And then if you've sold a translation into a foreign

language you'll also eventually maybe get royalties

off of that so you have all of these different

ways that money's coming in just off of a traditionally

published book.

Last year about a third of my income was passive,

and two thirds of my income were active.

And that shifts around from year to year

depending on what projects I'm doing,

or depending on when major deals come down the pike

so sometimes you'll sign a contract for many books

at once and there will be a large on-signing percentage

of that contract, so frequently advances are broken off

into three chunks, at least in my experience.

There will be a chunk that you get paid on the signing

of the deal, there's a chunk you get paid on the

submission of the manuscript, and then the chunk you get

paid on the publication of the manuscript.

So if you sign a decently sized deal, then in that year

you'll get paid the on-signing chunk of the contract

for whatever books you're working on, plus whatever

books you delivered that year plus whatever books

you published and then you have your royalty income

which is always growing.

You're getting a sense maybe as I'm talking about this

that writing income is often in flux,

and this is absolutely true.

One of the real dangers of this job is the income

is very spiky, you get royalty payments twice a year.

You get your advances for new contracts whenever

those come up, and there may be a lag between

agreeing on the general shape of a deal and having

a final hammered out contract.

So it's not uncommon for deals to take weeks to negotiate

and if you're the kind of person who really needs

that paycheck to come in every two weeks in order to make

your budgeting and your process work, then this can

be a very dicey business to be involved in.

Once the passive income reaches a certain dependable level

then you start being able to ease up on that.

That's kind of the way it works and then there's

a lot of growth potential both as passive income increases

and as you sell more books and become more of a recognized

face and can argue for larger advances.

For more infomation >> Max, Author Part 1 - What I do and how much I make - Duration: 12:17.

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How Much Sleep Does Your Child Need - Duration: 0:31.

Hi, I'm Dr. Edith Bracho Sanchez with

today's tip for kids from the American Academy of Pediatrics.

Every parent knows sleep is essential for the entire family's health and happiness.

But how much does your child really need?

Toddlers and preschoolers need anywhere from 10 to 14 hours of sleep.

School-aged kids need at least 8 or 9 hours of sleep a night

– and some kids may need more.

If your child seems sleepy in the morning,

talk with your pediatrician on how to improve the quality of sleep she is getting.

For more tips on kids and sleep, visit HealthyChildren.org.

For more infomation >> How Much Sleep Does Your Child Need - Duration: 0:31.

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How Much Should Your Pet Weigh and How Much to Feed Your Dog or Cat (The Our Pets Health Calculator) - Duration: 11:09.

hi thanks for signing up to my newsletter and joining the our pets

health community I started this site to improve the health and happiness of the

global dog and cat population but I can only do this by having people you

engaged and getting involved so thank you for doing just that

now if you haven't signed up to my newsletter yet and you're watching this

then head over to www.ourpetshealth.com/newsletter and sign up now to get

your free copy of my weight and diet calculator

okay so let's jump into this calculator now it's designed as a tool to give you

some idea as to what your pets ideal weight should be and how much you should

be feeding them based on their weight and body condition score is the weight

given or amount to be fed absolute well of course not because it relies on two

things being accurate which may not be the case now the first is the assumption

that your pet has an average metabolism an average exercise level and the second

is that their body condition score is accurate with this body condition scores

vary for a pet when scored by different individuals so it may be that

the score you give your pet is a little off I've said it before and I'll say it

again that your vet is the best place to get weight loss and dietary advice

specific to your pet ok to start with let's look at what your pets ideal

weight is so for this we need two things we need their body weight and we need

their body condition score now the calculator is designed to work in

kilograms but if you only know your pets weight in pounds then simply put it in

the yellow weight in pounds box here so say for example your pet was 44 pounds so 44

enter and that lets us know that the weight in kilograms is 20

so we can then transfer that weight into their current weight box so if you know

your pet is 20 kilos we go to the current weight click on that 20

kilograms next we need their current body condition score out of 9 now if you

don't already know this or know how to work it out then have a look at my body

condition score video linked here and in the description below as a reminder a

score of 4 or 5 is healthy and is a healthy condition score a score of 6 to

7 is overweight and a score of 8 or more is obese

a score of under 4 is underweight in this example we'll say our dog has a

condition score of 7 so click on the body condition score the yellow box

there and 7 fantastic so once you put your pets body condition score into the

yellow box that ideal weight in kilograms will be displayed so in this

case in the green box we can see that our 20 kilogram pet with a body

condition score of 7 should actually be 16 kilograms now to convert this into

pounds simply put the ideal weight so 16 into the weight in kilograms box over on

the right so 16 kilograms and that lets us know that our pets ideal weight is 35

point 2 2 pounds now one word about this ideal weight it's calculated here to

assume that the ideal weight is that the body conditions for a 5 so this means

that the weight given is actually at the very top end of at a healthy weight

bracket and being a little bit below this is absolutely fine if your pet is a

condition score of 4 brilliant just ignore the fact that the ideal weight

says that your pet should be a little heavier and the reason for that is that

the ideal weight is within a range so a range of 4 to 5 on the body condition

score so in this example our pet should actually be 16 kilograms to be a healthy

weight okay so hopefully that will make sense and you're happy finding out your

pets ideal weight for those of you with obese pets now you might be surprised

at how much weight they need to lose don't worry though it's not impossible

and it's definitely worth the effort even if they never quite make it down to

their ideal weight any weight loss will be a benefit give it to go and commit to

changes today now for those of you with overweight pets let's move on to find

out how much you should be feeding your pet

get them to lose weight now to work this out we need a couple of pieces of

information how many calories are in your pets food and how many calories are

in their treats now if you're feeding a commercial food and treats then the

calories should be written on the packet they might be written as kcal or as

calories with a capital C in some cases they will be the number of calories per

hundred grams in other cases it will be per kilogram in which case you'll need to

divide this by 10 if it gives a figure in some other measurements such as per

cup then you'll need to find out how much a cup weighs and do some maths to

work out the calorie content per hundred grams now if you can't find this

information on the packet then a quick quick search on Google should allow you

to find it on the manufacturers website alternatively it should give you a

contact number for more information and you can just give them a call and ask

them how energy dense the number of calories per 100 gram is in the food that

you're feeding they should be more than happy to help and they should have that

number at their fingertips it's really basic information that they will need to

know to to formulate the feeding recommendations that they give if you're

giving other things as treats with there being some great low fat treat foods

that can be used as treats then the calorie content of a lot of foods can be

found on calorieking.com so in this example I want to give my pet

some sausage so in the food search just sausage if I go to pork sausage fresh

cooked that's what I would give and then serving size so 100 turn that tick Ram's

and in this instance I can see that my pork sausage is 339 calories per hundred

grams ok so I can put that in this yellow box here 339 and I know from

their food packet let's say that their diet has 300 calories per hundred grams

so 300 calories per hundred grams in the diet energy content hit enter so once

you put these in these two values in so the treat of choice energy density and

the diet energy content into the yellow boxes then the magic should happen in

the boxes below so moving down in the red here

we have the amounts that we need to feed a dog that needs to lose weight now the

first figure is the average starting amount to feed

so that's 134 grams and that's the amount to feed on one day so you could

split that over several feeds ideally if your pet does not lose weight in the

first few weeks and the next figure is the amount that the food should be

dropped to so in this case 121 grams if though at any stage your dog loses more

than 2% of their body weight per week or your cat loses more than 1% body weight

in a week then their food amount should be increased to the third amount so

that's 148 grams so all of these values are starting figures and obviously

they're based on your pet's metabolic rate their activity levels and as such

and that's why there's not just one answer for each individual pet so if

you've seen my previous articles or videos then you'll know that losing

weight faster than this amount so 2% in dogs from 1% per week in cats can be

really very dangerous and even fatal especially in obese cats so it's really

important to pay close attention to this if you're feeding this amount though the

chances of any problems are absolutely tiny so don't worry too much it's just

something to be really aware of if your pet and especially if your cat refuses

to eat ok so the next column is in pink give you an idea of how much you can

give your pet as a treat each day and this is based on the fact that 10% of an

individual's calorie intake can be made up of treats so you'll see that there

are several ready-made options for you to give I'm using low calorie ideas so

we've got raw carrots green beans air popcorn plain rice crackers but if you

don't want to give any treats then we've also got their regular diet and this can

just be added into their intake at mealtime so in this case if we didn't

want to give any treats we would just add 15 grams to the amount that we were

feeding each day so that would bring us up to 149 grams that we were feeding

each day so again for our overweight pets in this example we should start off

by feeding 134 grams of their diet as well as 13 grams of sausage as their

treat every day if after a couple of weeks they've not lost any weight

then I'd reduce the amount that I'm feeding them at meal times to 121 grams

if they're losing weight too quickly at any point then I'll increase it up to

148 grams per day it's very unlikely that you'll get to that stage but it's

something to bear in mind okay so let's assume that our pet was in

fact a healthy weight in the first instance just stick to what you're

feeding them this obviously working so just keep at it

you're clearly giving them the right amount for their needs if though for

whatever reason you plan on changing their diet if we scroll down the values

in green will give you something to get started with now you'll see there are

two columns and this is because entire animals need to eat more than neutered

animals follow the columns across just as before and adjust accordingly

depending on if your pet gains or loses weight so in this case in the top line

if our pet's a healthy weight in this neutered we would start off by feeding 278

grams of this food along with 27 grams of our sausage or of course we could

give 24 grams of popcorn 23 grams of rice crackers or if we didn't want to

give them any treats just add 31 grams of their regular diet okay so moving on

to the orange sections if your pet is underweight and healthy increase their

intake by 25 to 50 percent and reweigh in one week if there's no weight gain or

alternatively if your pet is unwell for any other reason they might be drinking

more they might be just really not eating very much they might have

diarrhea if they're unwell for any other reason then you must take them to see

your vet now this calculator is not for use in underweight pets next up is a

fact that I've already mentioned if your pet is obese with a body condition score

of 8 or 9 then it is strongly advise that your pet undertake a weight loss program

only under the direction and close supervision of your veterinary team or

your veterinarian the extra support and monitoring will help to increase the

chance of success and this can't be overstated it's a long haul process just

getting that extra help that motivation is really important it just maximize our

chance of succeeding also the individual advice and the close monitoring by your

vet clinic will reduce any risk of too rapid a weight loss from taking place ok

and finally the tools provided for educational

and interest purposes it's a guideline it doesn't necessarily represent the

amount needed to be fed to specific individuals for the reasons we've

already stated amounts may need to be adjusted up or down depending on an

individual cat or dog circumstances lifestyle and their concurrent

conditions so especially if they're old and there's something else going on

there are other things that we might like to consider this calculator should

really only be considered for use after viewing our pets health obesity series

and body condition scoring videos so you understand exactly what we are dealing

with I want to support you in helping your pet to achieve and maintain their

healthy weight we just want to do it and as healthy and safe and manner as

possible please let me know if you're having any difficulties or if anything

I've described as still unclear and I'll do my very best to clarify things for

you so until next time i'm Dr. Alex from Our Pets Health because they're family

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