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Speaker 1: This is pet Life Radio.

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Speaker 2: Let's talk pets.

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Speaker 3: And we are live here on pet Life Radio and

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we are.

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Speaker 2: Just firing up as well on my Instagram live. The

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followers are being told that we are live here, here

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for you, here for your past. You know the drill,

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very simple stuff. You want to get a hold of me,

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you want to ask questions, then just you're going to

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reach out to me here right on the pet Life

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Radio or on Instagram. Just type away. I'm waving good morning,

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good morning, Hello, deb How you doing, Sharon? How's everything okay?

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So of course we want your questions. I will hope

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everybody had a great week, so we obviously will wait

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util we get some more people on. We want to

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talk about this coming weekend and usually barbecues, so any issues.

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One of the things we want to talk about, obviously

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is safety. Here it is you know, wherever you have

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these holiday weekends. We know whether it's going to be

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Memorial Day, Labor Day, fourth of July, you name it,

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there's gonna be barbecues and that which is great love

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everybody getting together, good morning, good morning. But some just

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simple basics to remember as far as the barbecuing, the holiday.

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Number one, you know, one of the most common problems

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that we see, it's not getting a hold of the meat,

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jumping up on the grill, maybe burning a paw. That happens.

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But one of the most dangerous things is the one

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that you don't even think is a problem, and that

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is the corn cob, the illustrious corn cobs. What happens is,

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first of all, you cut them in sometimes quarters, half's thirds,

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and you're at a piece this big, and then you

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eat all the corn away, No problem, easy, right, it's good.

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And what do you do with the cop it's tossed

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in the trash. Well, let me tell you something that

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that little cop that little thing, it could be potentially

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one of the most expensive corn cobs you'll ever buy,

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because when that thing lodges in a dog's intestine and

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it's going to only one where to get rid of it.

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I mean, sometimes to be lucky, if they actually crumple

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it up into smaller pieces, they might be able to

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vomit it up, which is fine, but usually they don't.

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That thing goes into the stomach, they swallow it whole.

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It gets into the stomach. Then from the stomach it

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gets into the stomach into the intestine. So it's kind

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of caring through, owing through the intestine, and all of

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a sudden at one point that intestine gets really thin

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and that corn cob gets stuck. Then it's a disaster.

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Not only not only is it just sometimes if you

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get through it right away, it's what's called an enterotomy.

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Enterotomy is when you have to cut into the intestine

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and open up. You remove what's in there, easy pasy,

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a couple of stitches, you're dye. But if it's been

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there for a long time, maybe if it's in there

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for a long time, then what happens is it literally

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destroys the blood supply and you have to actually do

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what it is called a resection and an astymosis. You

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have to remove a piece of the bowel the intestine,

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and then you have to sew the two fresh ends together,

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which technically is not a challenging procedure, But what you

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can't tell is how much the damage was done to

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the intestines, to the blood supply, and sometimes those suitors

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you put in don't hold. Then you get an intestine

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that opens up. It is major disaster. So with any

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foreign body, it's very very important to just kind of

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evaluate the blood supply to the portion of the intestine

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that was affected. And it is tough sometimes when you

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get because wondering if there's any natural remedies for yeast

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between my dog's fingers, I assume toes keeps slicking at times. Odor,

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thank you. So as far as natural remedies, I know

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they say that vinegar and water might help kill some

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of the yeast, but there are I don't know about

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natural that. There's some very safe sprays that you can

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use that have ketoconazole, that have flu connaisole like or

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the combination sprays. I have one that is called Derma Mist,

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but things like dukes, so there are Look, there are

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a lot of great ones out there. You want to

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look for something that contains both a anti fungal and

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also an a anti inflamma antibacteria but one thing, and

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sometimes have an anti inflammatory of the cortosome built in

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as well. What you got to be careful is when

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you are putting anything topical onto a dog. All right,

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their natural inclination dogs lick and they will start licking

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what you just put on them. So if you're going

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to put something on a dog as a medication to

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help stop the yeast, whether it's in the ears, whether

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it's in the feet, the pads, whatever. You then want

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to put a collar on, you know, a cone, something

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that does not allow them to lick the spots that

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you just put it for two reasons. Number one, a

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lot of this stuff it may be great topically, but

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not good if it taken internally. And number two, which

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is actually even more important, is that it's not going

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to work. I always say this to people. You get

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it sometimes it is so funny when you put it

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into terms that you can understand. So, for example, you

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have a little sore, Okay, simple, not serious. So what

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do you put on it? You put on it triple

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antibotic appointment on neosporn a poly's born and be purious

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or whatever. You put on a little antibouticppointment. Now if

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you rub that on and then immediately wiped it off,

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what's point How good is it going to do? So

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when you put something onto a dog and you don't

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prevent them, they're gonna lick it right off, and then

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not only was it may not be good for them.

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I mean some of the basic these things are not dangerous. Honestly, petroleum,

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they can handle that, and of course the antibotic antifungle

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they can handle that as well. But as far as effectiveness,

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it's not going to be effective, so it's not worth it.

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So if you're going to put something, anything topical onto

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a dog or a cat, you need to make sure

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that they can't get to it. And another trick is,

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you know a lot of times people where do they

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apply these topicals. They apply it right before they go

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to bed. Well two days what again, you think the

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dog is really gonna not lick while you're a sleeping

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of course they are. In fact, they're gonna probably lick

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more likely when you're not there to say, hey, now

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was here? Cut it out? So the worst time to

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put anything on top of the dog is before you

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go to bed, unless, of course you're gonna have the colon,

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the collar on, or you wrap it, you put a

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sock on, something to prevent the licking. So keep that

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in mind. All right, JB, how are you doing? Josh?

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Good to see you. How's the up pup? Troy? You're

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gonna let me know where's the yeast coming from? It's

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it's a food environment. Well again, not an easy answer.

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So basically there is yeast and the bacteria. Like let's

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take an ear for example, there are normal bacteria, normal yeast,

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and the bacteria in the YaST sort of keep each

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other in check. And when one overpowers the other one,

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usually in ears, the yeast overpowers the bacteria, you will

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get that's ray. The more common infection is called Malaicesia,

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and that's a yeast that's the one that usually that's

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not that really thick black stuff that you clean out

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of an animal's ear and you see it and sometimes

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as you're cleaning it are scratching. That's usually a Malaicesi infection. However,

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if it's like a more of a brownish yellowish mucasi

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stuff that might be pseudomonous, that might bacterial. And there's

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a beta hemolytics strips strips that you can also get

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from the ears. So that's when you want to use

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a combo. You want to clean the ears really well. Now,

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as far as the feet, what are yeast like, yeast

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like moisture and dark? Ah, Well, let's look at a foot.

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First of all, what part of a dog's body sweats?

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Only two parts of a dog's body sweats, like are

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has a crime sweat glands, and do they sweat under

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the arms Nope, groin nope. You know what they are.

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If you look at a dog's body, there are two

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parts of the body that look exactly alike to each other,

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but are unique to those two parts. Nowhere else in

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the body has this kind of tissue. Guesses anybody, I'm

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sure you know. Pads and nose, those are the only

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twope areas that sweat. Well, So you look at your

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foot and where yeast infection probably happen. You see using

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in the feet in between the toes. So first of all,

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the moisture is there because the sweat. Secondly, how much

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light gets in between those toes? Not much, so it's dark,

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it's moist Oh my god, that's a perfect environment. Then

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then to add to the moisture, what do dogs do

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when they have this on their feet? They lick their feet.

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Oh now they got saliva adding on to that. I mean,

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it's it's a disaster waiting to happen. So interestingly, why

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one of the products that I like to use, there's

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a product that I love, actually love it, and it

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is called Neo predef powder. It is a powder that

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you can for the yeast usually won't go I mean,

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you can wash clean it well, but it usually won't

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go away in its own. So I recommend either, like

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I said, kind of a dermamist, a duke Sho type

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spray that has chloroexidine, or some sort of benzo peroxide.

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So these are the things, benzilconi and chloride, these are

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all things that help our antibacterial. Then then you also

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want to use an anti fungal, whether it's my conosol,

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fle fluke, keticon is all. Even something is as good

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as as an athlete's foot spray would be helpful, look

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for like a lama cell. So there are a lot

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of products out there that are great. Again, you got

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to keep it, make sure they don't lick and but

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I mean, if you're clean it up well, will it

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go away on its own. I would use something that

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is anti fungal, but for yeasts, it's gonna be one

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of the anti fungals that's available. The product themself is

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often available over the counter, and then you want to

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keep them area really clean. But again most importantly, you

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gotta keep the dog away from it. So do your

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best that come up, break something up, and don't do

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it before you go to bed because you know what's

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gonna happen. Eluis good morning, Dan. How you doing? Is

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your dog's always dries for something wrong? That's a really

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good question. Oh the powder, the powder neo pread efforts.

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It's so fantastic. First of all, it's drying, which is

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what we need. It's antibacterial, it's anti fungal, it's anti inflammatory,

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and it has a little like a lumming nidacane in it.

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So lydacane is like a novacane dentist puts in your mouth,

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so it covers everything. But again, you got to put

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it on hundred couple of times a day, and that

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is prescriptions. You got to find it from your veterinaria. Now,

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dog's nose always dry is something wrong? So let's put

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this way. A dog who is pretty sick will most

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likely have a dry nose. But a dry nose does

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it mean that they're going to be sick? Think of logic. Okay,

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if the dog is sick, the nose will be dry.

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But the only thing that's not is called the contralateral,

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which you have to put it. You switch it is

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the converse the inverse, So the inverse the converse would be.

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If a dog is not sick, the nose would not

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be dry. That's not true. If the nose is dry,

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then the dog is sick. That's not true, but the

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one is not. If the dog is not sick, okay,

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then the nose will probably not be dry. I figure

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I have to remember how to do that. But there's

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an inverse, a converse in a contralateral. Contralateral is the

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only truth. If there's an if, then the contralater is true.

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If it's not, then then it's not if. So play

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with it. You'll see what I mean. If my sister

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is there, she's out there. She's a logician, so that

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is the only thing that's real. So if your dog

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is well, it could still have a dry nose. If

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a dog is sick, it probably will. I will have

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a dry nose, so, but not a dry nose doesn't

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necessarily mean it's sick. So anyway, that's why you have this,

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So don't go by that alone. You can have dogs

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that are run around, fine, Remember they sweat. If they're

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not sweating then or they're dehydrated, you're not going to

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have a wet nose. But doesn't mean the dog is sick. Okay,

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d Can we dip their feet in hydrop prooxide and

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clean the feet then wash and dry, I mean hydroperoxide.

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It's a good question. It probably will help these. Hydroprooxide,

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for example, is fallen out of one thing. Let's go

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back to wounds. One thing you don't want to put

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on an open wound or deep scrats it's bleeding is alcohol.

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Alcohol is great for dry or intact skin, and it's

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really good. It's got answer back to your it's a

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good cleanser. That's why when we do when we prep

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for surgery, usually the last thing we do is put alcohol.

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But if there is any break in the skin, if

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there's any bleeding, there's any irritation, you do not want

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to use alcohol. What we used to use the clean

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wounds is peroxide, and now that has fallen out of favor.

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It bubbles up, you think it's great. So my recommendation

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is again, if if the skin is intact and doing

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to clean it, that's probably gonna be fine. Maybe I've

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heard vinegar and water dilution. Diluted vinegar is also good

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for yeast. But whatever you do, you want to use

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after you do that, definitely you want to wash and dry.

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That's important. So sometimes you know, the best soap that

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you can use just to clean the dog's up clean

248
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a wound is going to be some like a nova

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sand shamp soap. You know, it's interesting when I have

250
00:12:47,240 --> 00:12:49,240
you ride my shoulder surgery, they got me. I went

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to the I had to go to one of the

252
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drug stores and get chlorhexidine soap and that you'll let

253
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it sit and that is going to kill bacteria. That's

254
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good if you just want to a good cleansing agent

255
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that is not going to interfere with the dog's own

256
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pH of the skin and that his cat darn Paul

257
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molive or dawn dishwashing, so that they say, is it's safe.

258
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It's really the best thing just to clean the dog up.

259
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So you might want to get that. It's even safer

260
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for pets rap or more tolerable to a pet than

261
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baby shampoo. Just to put into perspective. All right, baking

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soda and dirty Frene brush up. Yes, baking soda fine. First,

263
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you know, baking soda is good because again it's going

264
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to have that drying effect, so you want to brush

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it out. And as long as that they know they

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will do fine. If they don't want to help again,

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they look a bit a little baking soda. It's not

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the end of the world, all right, Steve, how you

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doing cat snippers? Hello? So anyway, it's halfway past the show.

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We want to come back. I want to talk about

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two things. I want to talk about insurance, and I

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want to talk about, basically, emergencies. I can't tell you

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how much you and anyone is spending on your pet

274
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for emergencies unnecessarily, because I will tell you from experience,

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ninety percent even maybe even higher, of emergencies are not.

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So don't go away with back up these messages, and

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we'll give you some hints of what you can do

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00:14:10,840 --> 00:14:13,399
if you have what you think is an emergency when

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we read back.

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00:14:17,320 --> 00:14:21,000
Speaker 1: Take a bite out of your competition, advertise your business

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00:14:21,039 --> 00:14:24,279
with an ad. In pet Life Radio podcasts and radio shows,

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00:14:24,559 --> 00:14:27,279
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283
00:14:27,360 --> 00:14:30,399
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284
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287
00:14:41,879 --> 00:14:46,519
hundred and fifty million subscribers on iHeartRadio. Odyssey, tune In,

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00:14:46,720 --> 00:14:49,919
and other streaming apps. For more information on how you

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Speaker 4: Let's talk Pat Let's headline radio Atlin Radio dot com.

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Speaker 2: We're about live here, I've got live Radio two had

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a great question, so all on a second, let me

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go back to that one, and that is how often

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should we do a senior panel? You know, it depends

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on the dog with the cat, depends on them on

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how senior, the old or older. It would not be

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a bad idea to do it twice a year. As

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I just said, my got you know, blindsided by my

300
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cat who had bloods nine weeks earlier that were perfect.

301
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Then all of a sudden, nine weeks later, he's we

302
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had to put him to sleep for kidney lymphoma, a

303
00:15:46,159 --> 00:15:50,399
metastasized to the chest plural diffusion, meaning his his plural

304
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his chest cavity was full of cancer fluid. I mean

305
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this is nine weeks it's crazy. So yes. Then the

306
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next thing was it's yes cohexcidian is great. Now my

307
00:16:02,919 --> 00:16:04,879
cat has been on Banessa and Ipan. THAT'SI is a

308
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type of steroid. It's great IBD inflammaturbial disease every other day,

309
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so you know, if the cat's doing fine, what I

310
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would try to do is now go every third day

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when you get to colambia cell, which is leukearan, which

312
00:16:17,600 --> 00:16:21,039
is also good, but that's more for if their IBD

313
00:16:21,240 --> 00:16:24,120
was like partly lymphoma, which by the way, it could

314
00:16:24,159 --> 00:16:28,600
be you know, many many IBDs. When these cats are

315
00:16:28,679 --> 00:16:31,600
either finally get a biopsy or finally put to sleep

316
00:16:31,879 --> 00:16:35,320
or pass it turns out they did have low grade lymphoma,

317
00:16:35,759 --> 00:16:39,799
So colambia cell is a strong possibility. It could be

318
00:16:39,799 --> 00:16:42,679
a daily or every other day medication. It's two milligram,

319
00:16:43,039 --> 00:16:47,279
very effective. But my feeling is this cats tolerates steroids

320
00:16:47,399 --> 00:16:50,399
very well and if it ain't broke, don't fix it.

321
00:16:50,679 --> 00:16:54,200
So I wouldn't change. If the cat's doing well, then

322
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I sort of got read with a third day. See

323
00:16:55,840 --> 00:16:58,200
how that works for a while. If that doesn't work,

324
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and I'm sure you're monitor sturing this cat with blood work,

325
00:17:02,039 --> 00:17:04,920
if the deliver, if everything is fine all right, no

326
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evidence of liver damage or issues because of the prolonged

327
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use of butudetiminite, then I would continue. And if you

328
00:17:15,519 --> 00:17:17,599
can get to every third day, that's even better. I

329
00:17:17,599 --> 00:17:20,960
wouldn't switch unless there was a reason to switch. Here

330
00:17:21,000 --> 00:17:24,400
are the reasons. Number one, the pet's not talling here anymore,

331
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not doing well. Number Two, on the blood test you

332
00:17:27,200 --> 00:17:30,079
see elevated liver enzymes, et cetera. And now you're looking

333
00:17:30,079 --> 00:17:32,640
for an alternative, then yes, you can try colerambia cell.

334
00:17:32,759 --> 00:17:35,119
But I would not switch the colarambia cell unless there

335
00:17:35,160 --> 00:17:37,559
was a good reason to it, because because for a cat,

336
00:17:38,279 --> 00:17:42,640
the bunesinide is probably safer than the colerambia cell. My opinion.

337
00:17:42,880 --> 00:17:47,319
Blood test to detect cancer, oh boy, the answer really

338
00:17:47,480 --> 00:17:50,240
is if the If the cancer is a blood born

339
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cancer like a leukemia, then the answer is yes. And

340
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you can see you'll have either very high very low.

341
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If there's certain cells going on in the bone marrow

342
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and everything is we're called pan sided penia, where everything

343
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is low red cells, white cells, then you might you

344
00:18:04,680 --> 00:18:07,079
obviously have something going on, could be severe infection. Burg

345
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also could be a cancer, and you gotta get a

346
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bone marrow sample, and you gotta do a whole bunch

347
00:18:10,680 --> 00:18:15,880
of stuff. Now, unfortunately there's no specific test. However, if

348
00:18:16,160 --> 00:18:18,880
you run a blood test and there's a particular organ

349
00:18:19,519 --> 00:18:22,279
that is way out of whack, a pancreatic enzyme, a

350
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liver enzyme, kidney enzyme. Then that could be because of

351
00:18:27,000 --> 00:18:29,200
a cancer. It could be other things too, it could

352
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be just pure disease. So but anyway, you have to

353
00:18:32,480 --> 00:18:34,359
keep that in mind, so it will give you at

354
00:18:34,440 --> 00:18:37,920
least a clue that there is something wrong with that organ.

355
00:18:38,160 --> 00:18:40,759
And further testing is necessary, whether it's going to be ultrasound,

356
00:18:41,119 --> 00:18:42,880
some sort of scam like a CT or an MRI.

357
00:18:43,559 --> 00:18:46,720
Samples we can do, you know, without doing a biopsy.

358
00:18:46,960 --> 00:18:50,039
You can also start with some of these organs under ultrasound.

359
00:18:50,079 --> 00:18:54,640
Guide is doing asatology. So you do an aspirit, send

360
00:18:54,640 --> 00:18:56,519
it to the lab. That might give you an answer.

361
00:18:56,519 --> 00:18:59,200
And it's way less evasive than cutting open and taking

362
00:18:59,200 --> 00:19:01,799
out a chunk whatever it is. And sometimes if you're

363
00:19:01,799 --> 00:19:03,920
gonna open something up to remove it and that you

364
00:19:03,920 --> 00:19:06,920
at least you'll see then is how extensive really is.

365
00:19:07,480 --> 00:19:10,920
So I'm not sure that I would rely on a

366
00:19:10,920 --> 00:19:14,640
blood test to identify yes cancer. When we had Ali

367
00:19:14,759 --> 00:19:17,319
in and he had you know, obviously the X ray

368
00:19:17,359 --> 00:19:20,519
showed huge kidneys. We did an ultra sound, there was

369
00:19:20,880 --> 00:19:24,000
definitely problem with the kidneys. We were able to do

370
00:19:24,039 --> 00:19:26,599
an aspirt and that gave us our answer. So it

371
00:19:26,640 --> 00:19:29,559
wasn't the blood test that diagnosed it, but it did

372
00:19:29,720 --> 00:19:32,720
sort of indicate a problem. And then went from there. Okay,

373
00:19:32,839 --> 00:19:37,200
Jan Interns Company recommend. All right, boy, we're gonna get

374
00:19:37,200 --> 00:19:39,720
to that. This is a very very important topic, and

375
00:19:39,799 --> 00:19:41,799
I promise I would talk about it. Steve May, Oh

376
00:19:41,799 --> 00:19:46,480
my god, hello hello, what causes dogs to OEt? Crass? Boy?

377
00:19:46,920 --> 00:19:50,680
That is well back then the sixty four thousand dollars question.

378
00:19:50,680 --> 00:19:52,880
Now it's about a ten million dollar question. But anyway,

379
00:19:53,200 --> 00:19:57,519
and that is we don't know. So their theories are that,

380
00:19:57,920 --> 00:20:01,880
first of all, grass is eat. It is moist It

381
00:20:01,920 --> 00:20:04,720
gives them a little moisture, and they like it, and

382
00:20:04,960 --> 00:20:07,519
they don't know that twenty minutes, half hour, an hour

383
00:20:07,599 --> 00:20:10,240
later they might vomit from it. And how do we

384
00:20:10,319 --> 00:20:13,359
know this is there something called aversion therapy. If you

385
00:20:13,440 --> 00:20:16,079
give a dog something that immediately makes a vomit, they

386
00:20:16,079 --> 00:20:19,799
will usually avoid it again. But if you give them

387
00:20:19,799 --> 00:20:22,240
something they makes them vomit a half hour or more later,

388
00:20:22,799 --> 00:20:25,119
they don't make the association. So if they liked it

389
00:20:25,160 --> 00:20:28,200
when they ate it, they're gonna eat it. Again, that's grass,

390
00:20:28,640 --> 00:20:32,400
so that's number one. Number two? Does it actually soothe

391
00:20:32,680 --> 00:20:35,319
the stomach? Do they know it's gonna make them vomit

392
00:20:35,480 --> 00:20:37,920
and that's why they ate it? I don't think so.

393
00:20:38,480 --> 00:20:41,839
I mean, dog, they are really smart. But again, if

394
00:20:41,839 --> 00:20:43,920
they knew it was gonna make them vomit, then they

395
00:20:43,960 --> 00:20:46,319
probably wouldn't eat in the first place. Unless does a

396
00:20:46,359 --> 00:20:48,279
dog really know that because they have an up to

397
00:20:48,319 --> 00:20:50,519
the stomach, they want to vomit. Therefore I'm gonna eat grass.

398
00:20:50,920 --> 00:20:53,039
I mean, look, I think they're amazing. We all do.

399
00:20:53,440 --> 00:20:56,039
We wouldn't love them so much if they weren't amazing.

400
00:20:56,279 --> 00:20:59,160
But are they that amazing that they know that it's

401
00:20:59,200 --> 00:21:01,319
gonna make them vomit later, therefore they do it. I

402
00:21:01,720 --> 00:21:03,400
have a tough time with that one. I love your

403
00:21:03,400 --> 00:21:06,319
theories because it's just a theory. There's nowhere in a

404
00:21:06,359 --> 00:21:09,240
book I found that says they're eating grass, because whatever

405
00:21:09,240 --> 00:21:11,400
it is, it's conjecture a hard ware. I'm be feeding

406
00:21:11,400 --> 00:21:13,839
a young feral cat three months now, I feed twice

407
00:21:13,839 --> 00:21:16,200
a day, cannon dry and something in on vegas. Licing

408
00:21:16,759 --> 00:21:18,720
its coat is much improved, but it doesn't seem to

409
00:21:18,720 --> 00:21:21,680
be gaining weight. So yeah, I mean, continue doing you're doing.

410
00:21:21,720 --> 00:21:23,640
Maybe if you can feed a little bit more. If

411
00:21:23,680 --> 00:21:26,279
it's a young cat, it's unlike the hyperthyrowhites. I wouldn't

412
00:21:26,279 --> 00:21:29,440
even worry about that yet. Maybe just give it time. Also,

413
00:21:29,640 --> 00:21:31,920
if it's a stray, if it's feral, it's probably running

414
00:21:31,920 --> 00:21:35,200
around like crazy, so maybe it just needs more calories.

415
00:21:35,400 --> 00:21:37,839
And it sounds like you're feeding good food. So just

416
00:21:37,920 --> 00:21:40,400
very lean, keep feeding it. Maybe add a little bit more,

417
00:21:40,680 --> 00:21:43,480
all right, better than a vibes that you're doing. Okay,

418
00:21:43,519 --> 00:21:45,680
there was another question. I wanted to get to insurance,

419
00:21:46,119 --> 00:21:49,519
all right from Jan okay, pet insurance companies. I'm going

420
00:21:49,519 --> 00:21:53,359
to talk about insurance. Now, understand, this is my opinion.

421
00:21:54,079 --> 00:21:57,599
This is not textbook. It comes from forty plus years

422
00:21:57,599 --> 00:22:02,319
of experience, and here's my take to me. Insurance companies

423
00:22:02,960 --> 00:22:06,200
are like Las Vegas casino. Now, who wins in Vegas?

424
00:22:06,680 --> 00:22:08,640
The house or the player?

425
00:22:09,279 --> 00:22:09,440
Speaker 1: Right?

426
00:22:09,480 --> 00:22:12,839
Speaker 2: The house? Now, I'm sure you may have had a

427
00:22:12,839 --> 00:22:15,319
good weekend. I'm sure there are many people you know

428
00:22:15,799 --> 00:22:18,559
that had a really good week whatever they say, oh

429
00:22:18,599 --> 00:22:20,640
my god, I wasn't farth out the dollar five grant,

430
00:22:20,720 --> 00:22:23,480
whatever that could happen is that the norm or is

431
00:22:23,480 --> 00:22:25,799
that the accept Well, if you look at the casino,

432
00:22:25,839 --> 00:22:29,799
you walk in with the ambiance, the lights, the keeping,

433
00:22:29,839 --> 00:22:32,240
the acts of the air condition on, and the staff

434
00:22:32,279 --> 00:22:35,240
walking around. I mean that vibe is what people are

435
00:22:35,240 --> 00:22:38,960
going for, not necessarily the winning and mostly the houses win.

436
00:22:39,160 --> 00:22:41,319
The house is going to win. So what happens with

437
00:22:41,319 --> 00:22:43,440
the insurance? So you're paying a premium, which, by the way,

438
00:22:43,680 --> 00:22:47,640
the premiums have gone nuts. A nationwide, for example, has

439
00:22:47,680 --> 00:22:50,680
doubled their premiums. And then you have to listen. They

440
00:22:50,680 --> 00:22:54,799
are looking for ways not not to pay out, whether

441
00:22:54,799 --> 00:22:57,920
it's congenital, whether it's pre existing. I mean, I'll give

442
00:22:57,960 --> 00:23:01,319
you an example, and I'm only that cool. I am

443
00:23:01,359 --> 00:23:05,000
gonna be calling this company because I am really peeved.

444
00:23:05,319 --> 00:23:07,920
And that is this. The owner comes in with the

445
00:23:08,000 --> 00:23:11,319
complaint of a young dog. Now, how much do you

446
00:23:11,519 --> 00:23:13,839
know looking at a dog, whether it's a problem or not.

447
00:23:14,240 --> 00:23:16,480
So she was concerned that maybe there was something wrong

448
00:23:16,519 --> 00:23:17,880
with the eyes. She doesn't know, maybe it was a

449
00:23:17,880 --> 00:23:21,160
little discharge. Man, who knows. I checked the dog out

450
00:23:21,519 --> 00:23:23,920
and I say, I write up the eyes. There's nothing

451
00:23:23,960 --> 00:23:27,079
wrong with these eyes. Okay. She gets a letter, Not

452
00:23:27,240 --> 00:23:30,359
because the doctor said, because she thought maybe there's someone

453
00:23:30,359 --> 00:23:33,839
wozes that we're not. Your eyes are excluded any eye problem?

454
00:23:34,119 --> 00:23:37,039
Are you nuts? So this is what's going on in

455
00:23:37,079 --> 00:23:40,480
the industry. Now. They're taking your money. And they took

456
00:23:40,519 --> 00:23:43,119
your money every month, and sometimes it was one hundred

457
00:23:43,160 --> 00:23:44,720
bucks a month. Now I think they should und it

458
00:23:44,799 --> 00:23:47,000
up to two hundred and something dollars a month, okay.

459
00:23:47,559 --> 00:23:50,839
And they are taking your money to them. You are

460
00:23:50,880 --> 00:23:52,960
giving your handing them over money. And what are they

461
00:23:53,000 --> 00:23:54,359
doing with that money is it's just sitting in a

462
00:23:54,440 --> 00:23:57,559
bank account somewhere. No, they're taking your money and your

463
00:23:57,559 --> 00:24:00,519
money and your money and they're getting thousands upons dollars

464
00:24:00,559 --> 00:24:03,480
a month and they're investing it and they're making money

465
00:24:03,519 --> 00:24:06,279
on your money. Something you can do. They're making money

466
00:24:06,279 --> 00:24:08,319
on your money. So when they have that payout that

467
00:24:08,519 --> 00:24:11,079
lucky guy that like, you know, want a jackpot or

468
00:24:11,279 --> 00:24:13,640
or great you know at the tables, just you know,

469
00:24:13,680 --> 00:24:15,920
want a bunch of hands and walk good money. They're

470
00:24:15,960 --> 00:24:18,839
not even giving you your money you spent. They're using money.

471
00:24:18,839 --> 00:24:21,160
They're paying you back for that eight thousand or ten

472
00:24:21,160 --> 00:24:23,960
thousand dollars internet bill money that they made off of

473
00:24:24,000 --> 00:24:26,279
you and everybody else's money, so it doesn't touch them.

474
00:24:26,759 --> 00:24:31,079
So they're walking away smiling, and you are out because

475
00:24:31,200 --> 00:24:34,599
you most of the times, most of the time, you're

476
00:24:34,640 --> 00:24:37,440
not gonna get back from the insurance company what you've

477
00:24:37,440 --> 00:24:42,160
put in. So my solution, and this is just a recommendation,

478
00:24:42,799 --> 00:24:47,359
is you open up accounts in Bowser's name, and every month,

479
00:24:47,640 --> 00:24:51,480
every month, religiously automatic, you put money away in that,

480
00:24:51,599 --> 00:24:54,640
do an interest bearing savings account. And if it builds

481
00:24:54,680 --> 00:24:56,839
up a little bit and you have a good solid investment,

482
00:24:56,839 --> 00:25:00,079
to get back five percent invest but not in your money. No,

483
00:25:00,200 --> 00:25:02,480
it's Bowser's money. You're just making money for him. And

484
00:25:02,519 --> 00:25:05,720
then if that up time comes after five years, you

485
00:25:05,839 --> 00:25:07,920
got you know, ten thousand five Me. See, if you're

486
00:25:07,920 --> 00:25:10,519
putting in twenty five much of a year, after five years,

487
00:25:10,519 --> 00:25:13,480
you got ten grand. So if you need something to

488
00:25:13,519 --> 00:25:17,480
put away, all right, So you know, again two hundred

489
00:25:17,519 --> 00:25:21,519
bucks a month so times twelve months is right, is

490
00:25:21,799 --> 00:25:24,960
twenty four hundred dollars And after five years you got

491
00:25:25,000 --> 00:25:27,839
a lot of money put away. So and again if

492
00:25:27,839 --> 00:25:29,680
it's making a little money at the same time, that's

493
00:25:29,720 --> 00:25:33,720
okay too. So when you need that big event, that

494
00:25:34,000 --> 00:25:38,079
foreign body that hit by car, that dog fight, that money,

495
00:25:38,160 --> 00:25:40,200
you're going to use the money that you've put away

496
00:25:40,240 --> 00:25:44,160
for him for that in his account. So I have

497
00:25:44,519 --> 00:25:47,839
had more clients tell me they're not going to renew

498
00:25:48,240 --> 00:25:51,079
or lamenting over the fact that the insurance premiums have

499
00:25:51,079 --> 00:25:54,839
gotten out of control. So I'm just sharing that with you.

500
00:25:55,319 --> 00:25:59,079
So from most of my clients that have insurance, now,

501
00:25:59,079 --> 00:26:02,160
I've had some like the winner in Vegas coming to

502
00:26:02,200 --> 00:26:04,359
something like, oh, oh, I love it. You know last time

503
00:26:04,359 --> 00:26:06,440
my dog got super sick with four thousand and five

504
00:26:06,440 --> 00:26:09,519
thousand dollars, they paid eighty percent of it. Well, great,

505
00:26:09,680 --> 00:26:12,480
you're a lucky one. You should go to Vegas. But

506
00:26:12,759 --> 00:26:16,519
most of the time you're going to be saying, why

507
00:26:16,799 --> 00:26:18,960
they're taking my money and they're not doing anything. And

508
00:26:19,079 --> 00:26:22,839
especially when you look at what for example, example, a

509
00:26:22,920 --> 00:26:25,880
dog as a puppy has a wart, let's say an

510
00:26:26,000 --> 00:26:29,799
oral papoloma, very common in puppies. It goes away or

511
00:26:29,839 --> 00:26:31,920
we have to remove it, we do it, whatever it is.

512
00:26:32,400 --> 00:26:34,759
You realize that every skin mass for the rest of

513
00:26:34,799 --> 00:26:36,799
its life, they're not going to cover. They are going

514
00:26:36,839 --> 00:26:40,759
to look for every darn excuse not to pay out.

515
00:26:40,920 --> 00:26:42,920
And this is why I do not like them. I'm

516
00:26:42,960 --> 00:26:45,400
not a fan. I hope that I made that strong enough.

517
00:26:45,440 --> 00:26:48,440
It's not how I feel. All right, next case, Oh so,

518
00:26:48,519 --> 00:26:50,119
why don't you come back to at me? Tell me

519
00:26:50,279 --> 00:26:52,559
your experience. How many times have you been paid out?

520
00:26:52,599 --> 00:26:55,319
How many times they have rejected your claim? I'm just

521
00:26:55,359 --> 00:26:58,279
curious to know. Now, that's a good question. Maybe there

522
00:26:58,279 --> 00:27:00,920
are parasites if you can catch a fe eo on

523
00:27:01,000 --> 00:27:04,599
this cat. Now, usually the kind of tape worm, for example,

524
00:27:04,680 --> 00:27:07,400
cats and dogs have is not the dreaded kind of

525
00:27:07,440 --> 00:27:10,599
caucus that have in Africa and robs the body of nutrition.

526
00:27:11,000 --> 00:27:14,039
It's more of an unsightly thing. But anyway, yes, you

527
00:27:14,039 --> 00:27:16,119
could probably add a de warmer to the food. Sam

528
00:27:16,200 --> 00:27:20,680
is every we payble can't collect auto home exactly, Thanks Sharon,

529
00:27:20,839 --> 00:27:25,240
It's true, all right, hippos hello ah, all right, Beth,

530
00:27:25,559 --> 00:27:28,759
and they thank you. I'm glad no I does, because

531
00:27:28,759 --> 00:27:31,200
it's it's a problem, and I just hate seeing people

532
00:27:31,240 --> 00:27:33,839
do it. Fortunate. That's why dear really own my dogs anything.

533
00:27:33,880 --> 00:27:35,839
As they get older, they need more. Yes, I mean

534
00:27:36,000 --> 00:27:38,519
for sure, again it's better than you. Eighty percent of

535
00:27:38,559 --> 00:27:41,160
them raise their yo. I know, Jan, it's been crazy

536
00:27:41,559 --> 00:27:44,599
some of these companies, he were true, Panion nationwide, all

537
00:27:44,640 --> 00:27:46,240
of them. If that's first to it, whatever it is,

538
00:27:46,519 --> 00:27:51,119
they are raising premiums like crazy. Okay, pet Life radio,

539
00:27:51,160 --> 00:27:53,559
how you doing good? What else? All right? So the

540
00:27:53,680 --> 00:27:55,559
last thing I wanted to talk about real quick. You

541
00:27:55,559 --> 00:27:57,599
know what, maybe we'll save it because we're out of time.

542
00:27:58,240 --> 00:28:00,359
Reason why a bank account works better than I said.

543
00:28:00,359 --> 00:28:01,720
You have five dogs, as we got to use your

544
00:28:01,759 --> 00:28:04,440
bank account for any of them. That's true, that's true.

545
00:28:04,640 --> 00:28:07,079
Good point. Also, if you put money away for every

546
00:28:07,079 --> 00:28:09,680
one of them, you can use it for insurance. You

547
00:28:09,759 --> 00:28:12,319
have to have a separate policy for each animal. Okay,

548
00:28:12,359 --> 00:28:15,640
here you insurance? Nickelodymy with euthanasia right at the Anian

549
00:28:15,680 --> 00:28:19,279
Press's death was it is? It's help again. I'm sure

550
00:28:19,799 --> 00:28:23,559
that if we let this become an open forum, which

551
00:28:23,559 --> 00:28:27,079
I'd love to do, you're gonna find more negatives by

552
00:28:27,119 --> 00:28:30,240
far than positives. And that's what I found. That's why

553
00:28:30,240 --> 00:28:33,000
I'm saying this is not just me, this is forty

554
00:28:33,079 --> 00:28:36,599
years behind me and listening to clients lamenting and complaints

555
00:28:36,599 --> 00:28:39,640
about their insurance now problems. That's why I'm saying I

556
00:28:39,920 --> 00:28:43,039
recommend it. There's another reason think about this one. By

557
00:28:43,079 --> 00:28:46,480
the way, all right, three percent of pets in the

558
00:28:46,559 --> 00:28:51,839
United States are insured. Yet every darn year there's new two,

559
00:28:51,880 --> 00:28:54,839
three or four new insurance companies popping up. All right, now,

560
00:28:55,319 --> 00:28:58,279
if only three percent, how come you're getting more? You

561
00:28:58,319 --> 00:29:01,079
know why? Because each one is making money. They're making

562
00:29:01,119 --> 00:29:03,559
money on you. So the newer insurance company saying, wow,

563
00:29:03,559 --> 00:29:06,160
look look at them, let's clean up, let's let's join

564
00:29:06,200 --> 00:29:08,960
the party here. So that tells you right there, if

565
00:29:09,000 --> 00:29:11,039
it got to the point where it was so fair

566
00:29:11,359 --> 00:29:14,160
and everybody was loving it and making great comment and

567
00:29:14,160 --> 00:29:17,640
telling their friends. Like in Sweden, fifty and fifty percent

568
00:29:17,680 --> 00:29:20,359
of pets are insured because insurance companies they're paying out

569
00:29:20,359 --> 00:29:22,839
properly and they're not nickling dimy to death and they're

570
00:29:22,880 --> 00:29:26,200
not looking for excuses not to pay. So anyway, yeah,

571
00:29:26,240 --> 00:29:29,039
here's no they raised twenty dollars more a month because

572
00:29:29,039 --> 00:29:32,039
he's considered a senior at six years of age. Heck,

573
00:29:32,240 --> 00:29:36,319
at six years, I'm not even recommending annual blood test unless,

574
00:29:36,319 --> 00:29:38,240
of course the animal is sick and needs a procedure,

575
00:29:38,519 --> 00:29:41,200
but just to do it because I'm coming in. That's

576
00:29:41,240 --> 00:29:44,119
like a person who's forty healthy as can be going

577
00:29:44,160 --> 00:29:46,880
into again. This is just me. But I didn't start

578
00:29:47,000 --> 00:29:49,519
going about this, you know, going in my kolenoscopies and

579
00:29:49,559 --> 00:29:51,799
all that until I was in my fifties. And now

580
00:29:52,079 --> 00:29:53,880
he wants to actually say I just had one when

581
00:29:53,920 --> 00:29:56,880
I was seventy, and he wants to do it only

582
00:29:56,920 --> 00:29:59,720
now every ten years because I've been clean for all

583
00:29:59,720 --> 00:30:02,559
the w as I did before. So less is more,

584
00:30:03,079 --> 00:30:05,359
and yet the insurance companies they're pushing for more and

585
00:30:05,359 --> 00:30:06,960
more and more. I just don't get it all right,

586
00:30:07,480 --> 00:30:10,039
So as far as well, we're gonna talk about tell

587
00:30:10,079 --> 00:30:12,920
themedicine because I was not secondly on my list emergencies.

588
00:30:13,079 --> 00:30:15,359
How do we determine? How do we tell it? If

589
00:30:15,599 --> 00:30:18,079
my problem going on right now is really an emergency

590
00:30:18,279 --> 00:30:20,759
and you don't know. So when you call your office

591
00:30:20,839 --> 00:30:23,640
late at night after they close and you get this, HI,

592
00:30:23,720 --> 00:30:26,079
thanks for calling so Antal hospital, the office is closed.

593
00:30:26,240 --> 00:30:28,640
If you have an emergency, go to X y Z

594
00:30:28,680 --> 00:30:30,759
Animal Emergency Center. So what are you gonna do? Are

595
00:30:30,799 --> 00:30:32,680
you gonna sit home and wait? No, you're gonna go

596
00:30:32,759 --> 00:30:35,559
as you should. But once you get there, do you

597
00:30:35,680 --> 00:30:39,640
think that emergency clinician who's probably young, has no experience,

598
00:30:39,960 --> 00:30:42,279
has no wisdom. They may have knowledge, they're smart, they

599
00:30:42,319 --> 00:30:45,000
went to bed school, but no, the and they're gonna

600
00:30:45,119 --> 00:30:47,559
they're gonna send you home, missus Smith. I know that

601
00:30:47,759 --> 00:30:51,000
that looks scary. It's not just go home, enjoy your evening,

602
00:30:51,079 --> 00:30:53,680
see your doctor in the morning. Pack. No, they are

603
00:30:53,720 --> 00:30:55,799
going to start doing tests. They don't know what to

604
00:30:55,880 --> 00:30:58,680
test for, so they test for everything. They have not

605
00:30:58,759 --> 00:31:02,440
gotten a good history to really know what the likelihood is.

606
00:31:02,720 --> 00:31:05,799
So really, and this is what you're paying. You're paying

607
00:31:05,880 --> 00:31:09,039
so you're paying three times what you were paid after

608
00:31:09,079 --> 00:31:11,880
you went to your vent. And to know the difference,

609
00:31:12,039 --> 00:31:14,359
you got to got to start using telemedicine. We can

610
00:31:14,359 --> 00:31:16,400
talk a little bit more about that, or find a

611
00:31:16,440 --> 00:31:20,200
doctor who is an idiot as I am, and his concierge,

612
00:31:20,240 --> 00:31:22,680
meaning I get no premium for being concierge like my

613
00:31:22,839 --> 00:31:26,839
regular doctors, but I certainly will try to be there

614
00:31:26,839 --> 00:31:30,640
twenty four to seven. So this is the biggest difference,

615
00:31:30,880 --> 00:31:33,720
and therefore you really need to know. Is there an

616
00:31:33,720 --> 00:31:36,519
alternative to having to run to emergency? Yes, there is,

617
00:31:36,640 --> 00:31:38,880
we'll talk about it next week, all right. Anyway, I

618
00:31:38,880 --> 00:31:40,599
think that's all we have time for. Have a very

619
00:31:40,680 --> 00:31:44,880
safe holiday. Weekend. I remember, keep the food, the corn,

620
00:31:44,920 --> 00:31:47,519
cop the hot hot barbecue away from your pets, or

621
00:31:47,559 --> 00:31:50,440
your pets away from the hot barbecue, and hopefully everybody

622
00:31:50,519 --> 00:31:53,720
be safe and all right, Paul, Oh my god, Hippo,

623
00:31:53,960 --> 00:31:56,519
come in next week. That's a good question. The dogs

624
00:31:56,519 --> 00:31:59,319
that lick their paws excessively, could it be food allergy

625
00:31:59,680 --> 00:32:03,200
or The answer is yes and yes. So I'll give

626
00:32:03,240 --> 00:32:06,319
you some hints how to differentiate if you can. And

627
00:32:06,920 --> 00:32:09,880
I will tell you only about fifteen maybe twenty percent

628
00:32:10,000 --> 00:32:13,359
use a fifteen percent of canine allergies are food related.

629
00:32:13,440 --> 00:32:16,640
But one of the biggest problems we have with rutalogy

630
00:32:16,759 --> 00:32:19,000
is clicking the fee, doing the feed. So how do

631
00:32:19,039 --> 00:32:21,519
we differentiate? What do we do? So we'll talk about

632
00:32:21,519 --> 00:32:23,640
that next week. Please, hip O come on forward next

633
00:32:23,640 --> 00:32:26,680
week and remind me it's his brain. It's used up

634
00:32:26,960 --> 00:32:30,200
no extra space, so I can use the reminder all right,

635
00:32:30,200 --> 00:32:32,400
and have a great week everybody, and we'll see you

636
00:32:32,799 --> 00:32:35,920
next week, same bat time, Sabak channel here on Instagram

637
00:32:35,960 --> 00:32:36,880
and ct life Radio.

638
00:32:37,200 --> 00:32:41,839
Speaker 4: Take care Let's Talk pets every week on demand only

639
00:32:41,920 --> 00:32:57,839
on petlife Radio dot Com.

