Friday, August 1, 2014

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Monday, March 31, 2014

Dog Thunder Storm Fears

Dog Thunder Storm Fears

It was a dark and stormy night...

and with each boom of thunder, each crash of lightening, terror in the dog's heart grew. It reduced him from a self confident, well adjusted family pet to an unrecognizable quivering mass. Having sensed the coming storm well before his owners could see or hear anything, the dog had begun to pace, panting. They spoke, trying to reassure him; but as the storm drew closer the dog began to tremble and shake. Unresponsive to soothing words from his owners, he searched for escape. Climbing onto the sofa he began to dig; as thunder rumbled, the dog moaned and a stream of urine was involuntarily released upon the sofa. He curled his mass down into a tiny ball, oblivious to the puddle where he had just wet, tremoring violently.

The reality of a dog's thunder storm phobia is more than just unpleasant fiction for some pet owners; it can be nearly as stressful for them as weather changes are for their rattled pets. Keepers of thunder-fearing dogs often try to anticipate weather changes in hopes of being able to minimize stress. At the first quiver they may offer treats, petting, or just hold their dogs protectively. Unfortunately, the storm phobic dog may remain afraid despite--but not because of--comfort from human attention; the fear is too overwhelming.

Offering treats to "desensitize" a dog's fear won't work if the dog is in full self-defense mode; fear is an emotional state and in that state appetite isn't a driving force. To "reinforce fear" would mean the fear increases in frequency in response to reinforcement. This isn't what happens. Dogs will not become increasingly fearful in response to food and petting; they just may not feel any better in spite of it. Coddling won't make the dog's actual fear of storms worsen, though the presence of the owner during such an event may have a calming influence, and could help decrease the likelihood of damage or self-injury. Sometimes storm phobic dogs becomes destructive in their efforts to escape, especially if left alone during a storm.

What causes some dogs to be so under the weather while others remain unconcerned? In recent years animal behaviorists have theorized that thunder storm phobia arises from a hearing impairment, a trauma, or a biochemical imbalance. Nicholas Dodman, the head of the behavior clinic at the Tufts University School of Veterinary Medicine, speculates in his book "Dogs Behaving Badly, an A-Z Guide for Understanding and Curing Problem Behaviors in Dogs" that dogs who fear thunder somehow become charged with static electricity. Anecdotal evidence suggests that the coats of some dogs may build up an electrical charge and then discharge at random giving the dog small shocks. Many t-storm phobic dogs can be found curled up behind the toilet, in the tub, or on tile floors - all surfaces that "ground". "Thunder-shirts," available at most pet stores, are worth a try.

Loud booming noise is certainly a factor, however the genuine storm phobic dog has fears triggered by more than just a loud crash of thunder. Often dogs are aware of an impending weather change well before the barometer drops or the trick knee begins to twitch. As the sky darkens and the first drops of rain begin to fall, the storm inside the terrified dog is already racing in time with his pounding heart. Storm phobia is a runaway train that can be nearly impossible to derail.

Behavioral treatment for thunderstorm phobias can take several different approaches:

Desensitization--Removing a dog from the full blast of stimuli to a quiet, sound-buffered place where storm noises and lightning flashes are less prevalent may help. In this place of lower intensity emotion, with the stimuli still present but at a lower intensity (with resulting fear also at a lower intensity) counter conditioning can be attempted:

Counter-Conditioning--offering food rewards and changing the dogs emotional state, while still in the presence of a smaller dose of the frightening stimuli, can help decrease the dog's fear (classical conditioning.) However it won't work if the dog's feelings of fear are greater than its interest in the food.

Modeling--Petting and comforting your dog may make her feel better, but if you seem overly concerned, even if the source of your concern is actually your dog's fearfulness--you may be confirming there really is something to be afraid of. Remaining sympathetic while demonstrating calm, unconcerned acceptance of the weather, and not reacting to each thunder clap with a gasp and worried glance at your dog, may provide some evidence that your are both going to be okay and "this too, shall pass." Eating cheese and crackers, for example, every time there is a storm, can serve to gradually draw your dog's attention out of the fearful state and facilitate more classical conditioning, building new associations between storms and desirable things that take the edge off.

Other treatment measures include:

Medications--drug and natural remedies help some dogs; check with your veterinarian Prevent static build-up--this from Dr. Dodman--mist the dog's coat with water or rub a used fabric-softener sheet over their coats.

Provide a "storm shelter"--create a secure retreat, such as a closet (add a doggie door for self access and to prevent claustrophobia), or a crate in a darkened room. Dogs that become destructive must not be confined in a place where they can get hurt--the objective is to allow a sense of holing up, not to imprison the fearful dog. The more soundproof the area the better, and the addition of blocking noises--such as a loud radio or television can help mask some outside storm noises.

In the past I have advised pet owners avoid using overly sympathetic voices and coddling during thunder storms, out of a stated concern the dog's "fear might be reinforced." This was conceptually incorrect. Reinforcement increases the frequency of behaviors it follows. A dog's fear of storms will not be increased because pet owners offer comfort. Modern dog training is based on solid research we all benefit from, and old ways give way to new methods that are both compassionate and effective without cruelty or unkindness. In the past I have advised pet owners not offer comfort to their dogs, but I am modifying my own advice to a more moderate stance. At the same time I stand by a concern that emotional support might be agreeing there is something to be afraid of, confirming there is a threat the dog needs to be protected from. A second concern is creating a dependency upon human comfort that will leave the dog in a deeper hole, with few intrinsic coping methods when no one is home to provide social shelter. Perhaps the most kind response is one of moderation; to offer love and care, petting and soothing, but to also "stay calm and carry on."

Petting and emotionally comforting a storm-terrified dog is compassionate and provides social support to the dog. Creating safe places to hide enables dogs to self-comfort. Providing both kinds of care seems like the right way for a friend to behave. You will not increase your dog's fear by comforting him.

(This article first appeared as an unedited version in DogWorld Magazine, Help the Canine mind, Peggy Moran 2002)

Tuesday, February 25, 2014

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Tuesday, February 18, 2014

Fitch: Dai-ichi Life Acquisition Won't Hurt Sales Force Profitability

The acquisition of Sompo Japan DIY will allow Dai-ichi Life to diversify and enlarge its customer base over the medium term, but an important risk is whether the traditional Japanese life insurer will be able to avoid any premium price erosion in its core sales force after its integrating Sompo Japan DIY. The worst possible scenario is that Dai-ichi Life makes unnecessary premium rate cuts in the products sold by its core sales force. Fitch believes Dai-ichi Life is likely to maintain profitability in the core sales force by separating the low-cost operating entity adequately. Dai-ichi Life already owns 10% of Sompo Japan DIY due to its strategic alliance with the smaller insurer's parent, Sompo Japan Insurance, Inc. (Sompo Japan, IFS A+/Stable), and will purchase the remaining 90% from Sompo Japan in the latest deal. The purchase price is around JPY5bn, which is negligible compared with Dai-ichi Life's net assets of JPY1,971bn at end-December 2013. Dai-ichi Life's customer base has been built up largely through its own sales force, which attracts conservative customers who are less sensitive to premium rates and prefer consulting with sales people. By acquiring Sompo Japan DIY, Dai-ichi Life will be able to tap proactive and price-sensitive customers who shop around for products. Non-traditional life insurers, including foreign companies such as Aflac, Inc. (IFS AA-/Stable) and subsidiaries of non-life insurance groups such as NKSJ Himawari Life Insurance Co., Limited, have demonstrated their strength in this market segment with their relatively simpler and cheaper products. Dai-ichi Life is planning to use Sompo Japan DIY as its low-cost operating entity that will provide cheaper and simpler products compared with the products that its core sales force promotes. Dai-ichi Life will start distributing new products via Sompo Japan DIY's agents from 2H15, with the latter expected to change its name by then. Fitch expects Dai-ichi Life's overall credit fundamentals to continue to improve for now. This is due to: improving investment spread; resilient life insurance underwriting backed by a steadily growing profitable third (health) sector; and continued reduction of interest rate risk as the company reduces the duration gap between assets and liabilities. Contacts: Teruki Morinaga Director +813 3288 2772 Fitch Ratings Japan Limited Kojimachi Crystal City East Wing 3F, 4-8 Kojimachi, Chiyoda-ku Tokyo 102-0083 Akane Nishizaki Associate Director +852 2263 9942 Media Relations: Wai-Lun Wan, Hong Kong, Tel: +852 2263 9935, Email: Additional information is available at ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS LINK: here . IN ADDITION, RATING DEFINITIONS AND THE TERMS OF USE OF SUCH RATINGS ARE AVAILABLE ON THE AGENCY'S PUBLIC WEBSITE 'WWW.FITCHRATINGS.COM'. PUBLISHED RATINGS, CRITERIA AND METHODOLOGIES ARE AVAILABLE FROM THIS SITE AT ALL TIMES. FITCH'S CODE OF CONDUCT, CONFIDENTIALITY, CONFLICTS OF INTEREST, AFFILIATE FIREWALL, COMPLIANCE AND OTHER RELEVANT POLICIES AND PROCEDURES ARE ALSO AVAILABLE FROM THE 'CODE OF CONDUCT' SECTION OF THIS SITE. FITCH MAY HAVE PROVIDED ANOTHER PERMISSIBLE SERVICE TO THE RATED ENTITY OR ITS RELATED THIRD PARTIES. DETAILS OF THIS SERVICE FOR RATINGS FOR WHICH THE LEAD ANALYST IS BASED IN AN EU-REGISTERED ENTITY CAN BE FOUND ON THE ENTITY SUMMARY PAGE FOR THIS ISSUER ON THE FITCH WEBSITE. FILED UNDER:
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Monday, February 17, 2014

how To Tell If He Cares

Are you dating someone you are crazy about? Do you wonder if he cares? How can you tell? What are the signs?

As a dating coach, I often hear stories from people about how they were in love with someone who did not love them back. The one they obsessed about said, "I like you very much but I don't feel 'that way' about you. But I'd like to be friends."

If that ever happens to you, thank the person for their honesty and move on. There is little chance of a future with this person but one of heart ache. To hang out in a relationship like this, hoping that once the person knows you better, they will change their mind, is being unkind to yourself. Remember this: there are lots of other singles just waiting to meet you. But if you bury yourself in a relationship going nowhere, they can't find you.

Here are ten signs that tell you if he cares:

* He calls.

He calls and emails often. He wants to talk to you and tell you what he's doing. He asks about your day. He loves the sound of your voice.

*His friends know who you are.

When you meet them, they know your name. You can tell by the way they treat you that he has said good things about you. They are very kind and friendly.

* He blushes easily around you.

He's a little bit nervous, wanting to take care of you and wanting you to have a good time wherever you go with him.

* He asks you where you would like to go for dinner.

He wants to know which movie you'd like to see and how you'd like to spend Saturday night.

*He lingers at your door.

He doesn't want to say good night.

* He thinks your stories and jokes are funny, even if no one else thinks so.

He listens when you talk and asks questions. He remembers details from your other conversations. He laughs at everything you say, if you are trying to be amusing.

* He loves the way you dress and compliments you on how you look.

He notices if you change your hair style. He admires your taste. He thinks you look terrific.

* He wants to meet your family.

He asks questions about all of them and likes to hear your family stories.

* He is sad if you are upset.

He is even sadder if you have to go out of town. He emails and calls every day that you are away.

* He does caring things for you.

He cooks dinner for you sometimes, helps you clean up your house, walks your dog, or feeds your cat and changes the litter box. (If he changes the litter box, he definitely cares about you.)

Here are the danger signs that he is someone to stay away from:

* He wants to borrow your car or your money

* He says the same flattering things to other women that he says to you.

* He only gives you his cell phone number and he won't tell you where he lives.

* He won't hang out with you during the day or in public places. He only wants to come over to your place.

*He tells you he loves you on the first or second date and he wants to move in.

If you are still confused about whether your love interest cares about you, introduce him to your family and friends and ask for their opinion. And remember: you deserve to be adored.