Using Non-Bank Lenders to Fund Short-Term or Transitional Business Financing Needs

The Challenge: Traditional Bank Lenders usually don’t like funding businesses during periods of variable cash flow or unpredictable collateral – e.g., periods of very high business growth, or on the flip side, reduced operating performance.

The Solution: Non-Bank (Alternative) Lenders specializing in asset based lending or those that provide short term bridge loans can often look beyond the turbulence of a transitional period to fill a company’s funding needs until the business is able to return to a traditional lending relationship.

Key Considerations for Borrowers:

  • Cash is King: Focus on the cash availability and debt service of the alternative loan, not the interest rate
  • Do the Rewards Outweigh the Cost of Capital?: If the benefit of the taking on the new business is greater than the cost of the capital, high interest rates may be well worth it
  • Plan Your Exit: Develop a clear plan at the outset to move back to a bank from an alternative capital source

Bank Lenders don’t like lending money to businesses when cash flow and/or collateral is in flux, for example:

  • Example A: A business goes through a heavy growth spurt causing either a significant inventory buildup that requires additional working capital financing, or creating a period with uncertain future cash flows and perhaps inadequate collateral coverage depending on the cash conversion cycle; or
  • Example B: A business experiences a difficult operating period due to, for example, an operational restructuring, a sales force realignment or miscalculating the scope of a major project- creating negative cash flows or earnings

In such circumstance like these, a bank lender may reduce available funds (e.g., increase the reserve in a borrowing base or carve out specific collateral), ask for additional collateral or simply ask the company to find another lender.

Non-Bank Lenders are often willing to look beyond the turbulence of a transitional period to understand and structure around the real risks in order to get comfortable providing the necessary capital

Alternative lenders are structured to lend into periods of uncertainty – they usually have greater flexibility to tailor their loans to:

  • Provide additional growth capital during periods of rapid expansion, not penalizing a business for investing as may traditional lenders
  • Fund a business in the early stages of a demonstrated turnaround, much earlier than when a traditional lender would lend

Alternative lenders also provide more flexible terms (cash debt service, amortization, loan maturity, covenants) and cash availability than do traditional lenders, and for this they charge higher interest rates.

Key Considerations when Borrowing from a Non-Bank (Alternative) Lender:

Businesses turn to non-bank or alternative lenders when traditional lenders won’t provide the needed capital or bank terms are too restrictive. Here are several key considerations when evaluating an alternative loan:

  • Cash matters most so focus on required cash debt service (principal and interest), not the loan’s interest rate
  • Often the total debt service for an alternative loan at a higher interest rate will be lower than the total debt service of a traditional bank loan because of much lower principal payments
  • If the benefit of taking on the new business exceeds the cost of borrowing, high interest rates may be worth every penny
  • Have a realistic plan for moving back to a traditional lender before you take on a bridge loan
  • Make sure the loan will provide a cash cushion if the transition takes longer, or costs more, than expected
  • Ask yourself – does the lender understand my company and appreciate me as a customer? The answer should always be yes. If it’s not, find a lender that does

Do Your Homework to Minimize Denied Health Claims

A patient balance was turned over because of continued non-payment. The patient disputed she owed the balance. The provider resubmitted the bill to the insurance and still received a denial. The following particulars of the patient’s benefit plan led to the denial:

  • She needed a preauthorization prior to the service based on the codes/modifiers submitted.
  • The service provided was classified under non-emergency care based on the chart documentation which led to a preauthorization requirement.
  • The provider was not contracted with the insurance company, meaning they did not have to accept their allowable of the charge as payment in full and could bill the patient for the entire non-covered balance of over $ 1,500.00.

As you can imagine, the patient was extremely upset. She stated it was an emergency and she experienced a lot of pain. Had she known all of the above, she would have selected an alternate service. She also felt the provider should have told her all this because it was their responsibility. She paid a lot of money to the insurance company only to receive this unfair treatment.

Six Areas for Patients to Know About

No matter what the healthcare coverage, you must take it upon yourself to know the specifics of your plan’s coverage and it is your responsibility to do so. Otherwise, you may end up with a situation like the above. If you are unsure of coverage or verbiage, ask for details. Remember, too, insurance companies also may deny charges in error. If you disagree with a health insurance decision, you have the right to appeal. Be sure to follow your insurance plans appeal process for a timely response.

Here are six areas to check prior to medical service:

  • Payment points such as co-pays, co-insurance, deductibles and percent of coverage owed after deductibles are met. There is a vast difference between amounts owed for an in network vs. out of network provider. Patients new to insurance coverage usually do not know the difference.
  • Where to go to navigate health plan information.
  • Member resources.
  • How to stay in network.
  • Out of network payments.
  • Preventative services covered.

Where can you find this information?

  • Websites: All health plans usually feature very extensive websites that are becoming increasingly more sophisticated. For example, the United Healthcare site contains lists of prices, providers by zip codes and even whether the provider is accepting new patients. Some information might be a little outdated but it’s a start.
  • Documentation: Generally, by the first of the year, healthcare plans mail out information on the changes to the coming year’s insurance. It’s easy to find deductibles, co-pays and other information via these documents.
  • Telephone: Call the number on your healthcare card. Be sure you obtain a reference (tracking) number for the call.

Because you bear a larger cost burden for your healthcare costs, digging into this information is a must to know the difference between a preventable patient balance and one you actually owe – before the bill arrives.

Get Ahead With Cox Email Support

Cox email Support widespread everyplace throughout the planet. Here’s are the Cox Residential services that they provide

Cox Cable TV

Digital video recorder

Cox High-Speed web

Cox Digital phone

Cox Home Security

Why you must use COX Email and alternative services:

Cox continues to invest in our network and deliver what clients have come back to expect from us: customer leading high-speed web service and a customer experience like no other. Not solely are we have a tendency to operating onerous to supply gigabit speeds to any or all of our customers, however, we have a tendency to still increase speeds and add valuable options.

Delivering on its promise to supply the most effective high-speed web service, Cox has exaggerated web speeds quite 1,000 % on its most well-liked packages over the past fourteen years as well as doubling the speeds of its most well-liked speeds late last year. Together with a seamless streaming expertise on multiple devices, with this latest speed increase, Cox High-Speed web customers with the final word service package will now:

Download a five GB high definition film in 2 and 0.5 minutes

Download a fifty MB move into concerning one second

Download ten MP3 songs in under a second

Download a twenty-five MB YouTube clip in under a second

Cox conjointly offers access to the quickest in-home Wi-Fi service with the most recent in wireless web instrumentation. Outside the house, access to Cox Wi-Fi hotspots is free for Cox customers World Health Organization purchase Cox High-Speed web most well-liked, Premiere final or Gigabit packages.

“The advantages of an ultra-fast Cox High-Speed web affiliation extend way on the far side the house. once our customers are on the go, they’ll fancy-free access to Cox Wi-Fi hotspots, and the nation’s largest Wi-Fi network of over 400,000 Cable Wi-Fi hotspots across the country,” same Wolfe. “These hotspots are situated publicly areas across the natural depression and nationwide, love restaurants, malls, sports arenas, parks, and beaches as well as one,200 Cox Wi-Fi hotspots within the railway Phoenix and city space.”

In addition to exaggerated quality, web usage is doubling every 2 years and shoppers are adding a lot of and a lot of devices to their home network. Today, the typical home has quite six devices connected to the web which range is anticipated to leap to eleven devices. Cox is committed to repeatedly evolving its service offerings to remain at the forefront of those trends, has been the broadband leader in its markets over the past 20 years for speed, handiness and client selection.

Therefore, you must use COX Email that runs and support with high speed and significant knowledge files simply. If you’re ineffectual to or didn’t register your Cox email nevertheless into your outlook, then here’s are the step to that:

Step 1: go to Settings

At the highest of the screen, choose Settings > Mail.

Under choices, choose Accounts > Connected accounts.

Not all options are out there in each region. If you do not see the connected accounts possibility, this feature might not be out there for your account.

Step 2: Enter your email address

Under Connected accounts, choose the produce new folder button.

On the Connect your email account page, enter the complete email address (for example, [email protected] ) and countersign of the account you would like to attach to Outlook on the net and choose OK.

IMPORTANT: If you get a message that Outlook could not connect with the server for your alternative account, choose back and ensure you entered the right email address and countersign for your account.

If you continue to can connect, it’s potential that your mail supplier does not support connecting over IMAP. Strive to connect over POP. For directions, see Connect AN email account from an online service supplier (POP account) below.

Enter “pop.east.cox.net” because the incoming server address and “smtp.east.cox.net” because of the outgoing server address if you’re in AN eastern state. In Western states, enter “pop.west.cox.net” and “smtp.west.cox.net,” severally. Cox provides you with info on your regional location once your account is established

Step 3: Refresh Outlook

When an affiliation is established, you will see that Outlook is downloading your email. Choose shut.

Refresh your page once many minutes to check if the transfer is complete.

In case, if you’re unable to use to Cox email in your outlook for any reason or having downside in your outlook or in your Cox Email, then you can directly call us at toll free number for United States of America and Canada clients – +1-800-982-1502 and you’ll conjointly Visit our website that is regulated as. Our Cox Support and Outlook team can offer you answer to your downside once paying attention to you patiently and come in depth of your downside so we will offer you optimum result. Our prime motto is client satisfaction with the smile on their face.

Global Air Ambulance Service In Raipur With Non-Stoppage Service And Affordable Pricing

This Air Ambulance Facility Provide complete setups of medical care unit in which the expert medical team, emergency equipment’s, medical facilities and assistance available to the serious patients round the clock till their destinations. Low Cost from Raipur to Delhi, Mumbai and Other Cities is a great option among the people because it provides the lowest charges and reasonable price all the time being. Generally, we prefer low- cost medical privileges so the people appreciate this train medical service. Ventilator Ambulance and ICU Care System Unit is the secondary assistance at the initial and destination point.

Greatest Support by Our Air Ambulance:

  • Non-Stop Service
  • Day and Night Available
  • Low-Cost Service provider
  • Dedicated Medicinal Team Support
  • Hi-Tech Technology

This is one of the low cost, quick responsible, 24 Hours, and fully safe Train Medical team Services by which any serious patient can easily be dispatched in very short time duration. Since when a patient cannot avail of the high-class treatment then he requires going out of the city and here Low-Cost Service from one city to other city is always ready for shifting him or her round the clock. This service granter provides totally bed to bed services under the experienced and world class medical team unit with all the essential equipment at only a few charging or low costing. Both initial and destination point are well-equipped with Ventilator Ambulance and ICU Care System Unit

Most Significant Provisions and Hi-Tech Technology:

This has the best panel of doctors particular in their field such as cardiologists, endocrinologist, Gastroenterologist, hematologists, Hospice and Soothing Medication Authorities etc. to serve the different category of patients. Alongside them, it has a large pool of expert paramedics and other specialists to provide world class commercial patient transfer them anywhere.

This has a tenable foremost rank in bringing emergency patients transfer services round the clock. This is a very responsible response and credible bed to bed evacuation services provider in this city. This is a sole method which leaves families of the patient worries. Personnel of our well-educated medical team treats the patients and relations with a tailored approach. People like its spare services because of its rich medical capitals that work as a cure-all for critical patients during the course of transportation.

Global Air Ambulance in Raipur to Delhi is the most rapid and advanced alternative service which has supreme time leading the patients transporting to other cities by Charted Air Craft, Commercial jet Airlines and Train Ambulance. It provides its urgent services to the serious, bedridden and unmovable patients at very low-cost call booking in all over India even abroad.

Air Ambulance in Bhopal to Delhi is one of the most and significant Services providers which have from bottom to top level emergency equipment and medical team. It has Charted Air Crafts, Commercial Airlines Ambulance Services and Train Ambulance full-fledged facilities to the serious patients from one bed to another bed. We are providing its services to the serious patients round the clock at very low cost with very reliable services having all the essential ICU and emergency both the medical team and hi-tech equipment.

Tips for Choosing a High Speed Hand Dryer

A hand dryer is an electric device used to dry hands and often found in washrooms. In the past there were just a few available in public washrooms, but today they are becoming common place in residential homes. When shopping you will discover brands which run automatically or with a button, using infrared sensors. High speed models though more expensive, offer a better alternative to conventional ones. Hand dryers are recommended highly because they can reduce waste and litter compared with paper towels. Therefore, they offer a better alternative because they are environmentally friendly. The environmental impact is not only felt at the point of use, but also at the point of production by reclaiming trees, gallons of water and solid a good one include:

Cost

The cost of is relative to the kilowatts per hour cost. The cost has to do with the purchase price and the cost of operating the gadget. If you are operating on a limited budget, perhaps the cost is a reason you should be taking into consideration. However, you must be wary of choosing a model based solely on the cost. Other factors, such as quality and reliability are critical because you do not want to invest in a gadget that is low-priced but call for a replacement in the short-term. Furthermore, you may not want to invest in low-priced gadget that consumes lots of energy or power.

Washroom traffic

It is important to factor in the number of people who will be using the gadget each day, because this will have a bearing on the choice. For more than 400 people daily, this is deemed heavy use, which calls for a more durable brand. Therefore, your choice of dryer should be one that consists of better components that can last longer. For example, the motor must be pretty good to keep working many times daily and for many years. If you opt for a hand dryer with poor motors, you are borne to get utmost 4-5 years. Furthermore, in both low and high traffic washrooms, an energy-efficient dryer offers a great option.

Accessibility

The brand you decide to buy should be accessible to all users, including the disabled users, the elderly and children. In addition the degree of sound emitted needs to be factored in. This is particularly the case if you have vulnerable persons visiting the washroom, which makes quiet dryers a better option.

Alternative to Drop-Shipping – Drop-Ship Fulfillment Services

For those frustrated with the drop-shipping process or who are simply looking for a change of pace, there are a number of alternatives that can be explored. Some of these resources are from larger, well-known companies, and others come from up-and-coming players in the wholesale industry.

Fulfillment by Amazon

Amazon.com is a leading online retailer, if not the leading online retailer. However, the online superstore also offers a service called Fulfillment by Amazon, which allows wholesalers who drop-ship to sell their products online with Amazon doing much of the heavy lifting. Amazon will store, package, and ship merchandise on behalf of sellers as well as provide customer service if needed. Fulfillment by Amazon also allows sellers to have their orders filled from multiple sales channels; all while being stored in one of Amazon's fulfillment centers.

ShipMyOrders.com

ShipMyOrders provides order fulfillment, logistics, and warehousing for a wide range of products, including DVDs, books, cosmetics, electronics, and more. ShipMyOrders specializes in warehousing, order processing, and fulfillment as well as distribution to customers worldwide. Among the company services are merchandise storage, product photography, and customer service.

National Fulfillment Services

National Fulfillment Services serves business-to-business companies as well as consumer-facing entities. The company, in business for more than 45 years, serves a wide range of industries, and its warehouse is able to ship products using any standard carrier. Additionally, NFS can gift wrap products, include special promotional materials and messages, or provide other specialized packaging needs.

Bonanzle

Bonanzle is one of the growing newcomers to the scene and aims to be the "simplest marketplace online." The company recently picked up $ 1 million in venture capital funding and is quickly nipping at the heels of larger companies in the drop-shipping arena. Bonanzle users can quickly import their eBay drop-shipping listings onto the site, and its fees are significantly lower than those on eBay. For instance, items listed at less than $ 50 incur a $ 1 final value fee, whereas on eBay many final value fees are a flat 12 percent. Another bonus is there are absolutely no listing fees on Bonanzle.

eCrater

eCrater is another alternative to drop-shipping and is similarly light on the fees that frustrate many wholesalers who drop-ship. Among the many touted benefits of eCrater are the site's unlimited categories and products available to sellers. eCrater is also compatible with PayPal and Google Checkout, and merchants can use up to 10 photos per listing at no cost whatsoever. As a "100% totally, completely free" site, eCrater also offers bulk listings, eBay listing imports, and fully editable stores at no cost to users. Users can also make their storefront addresses customizable, with a personal eCrater URL included for free. One thing to note is eCrater's listings are based on fixed prices, so those looking for auction-style sales should look elsewhere.

Highwire

A relatively newer company, Highwire strives to take the guesswork out of online merchandising with its suite of products and services. From marketing and site design to product management and order processing, Highwire aims to make it easy and affordable for drop-shippers to create their own online stores. Among Highwire's benefits, the site offers flexible shipping options depending on your businesses' needs, and shipping rates are calculated in real time. Highwire's services come on a multitier pricing scale, ranging from absolutely free to about $ 50 a month for premium service.

Payvment

Integrated into Facebook, Payvment is new but may have the advantage of a captive audience in Facebook's millions of users. The service allows drop-shippers that already have a Facebook fan page to integrate the shopping experience on Facebook; Buyers no longer have to navigate away from Facebook to purchase your wares. Payment's Open Cart Network lets customers finalize purchases from any Facebook storefront, so the chance of users abandoning their shopping carts is diminished. Payvment supports more than 20 currencies and is TRUSTe certified. You don't need a merchant account to use Payvment, but will need a PayPal account to collect payments. Customers can pay using PayPal, Visa, MasterCard, American Express, or Discover.

SaleHoo

While not directly in the drop-shipping business itself, SaleHoo can point you in the right direction. The site serves as a directory to other drop-shippers, providing product reviews, supplier information, and many other details that buyers are looking for. The site features more than 8,000 legitimate drop-shippers, manufacturers, wholesalers, and liquidators. All of SaleHoo's suppliers are verified, and the site utilizes a review system to weed out dishonest dealers.

10 Tips To Help You Renovate Your Basement

Nowadays, the goal of every homeowner is to raise the value of his or her home s. It’s worth it. Finished basements can work great as far as adding a spare bedroom, home office, laundry area, bathroom, kitchen or recording room is concerned. If you have no idea how to renovate your basement, the following tips may help you.

Make a focal point

Often, most basements don’t have a focal point, especially those basements that are long and narrow. So, what you need to do is create a central point, such as a fireplace, as this will help you define the space in addition to keep the space cozy and warm.

Pay attention to the windows

Generally, basement windows are not given the importance that they deserve. Most homeowners waste a lot of light. The primary living space should be placed near the windows to get the most out of the natural light.

Look for alternatives

If you have the wall-to-wall carpeting, you should look for an alternative. People tend to make use of wall-to-wall carpeting for the floor of the basement as it’s warm and comfy. So, what you should do is ask your installer about the subfloor materials for waterproofing and insulation.

Typically, under-floor heating works great to heat up the basements. You can also lay some vinyls on the heated floors.

Use the space

The free space below the stairs should also be used. Often, this space is wasted. You can use this space to make the area look great. For instance, you can turn the area into a wet bar, built-in storage or a kitchenette.

Condense bulkheads

You can condense electrical, plumbing and structural beams into just one bulkhead. You can consider certain areas, such as TV area and the seating area. Moreover, if you can use a certain area, go for it. However, you may want to paint the bulkheads as well, but make sure the color is the same as the ceiling color.

Choose modular furniture

Before you buy furniture, make sure you measure the turning radius, height and width of the stairs. After all, you don’t want to end up with a section that you can’t fit anywhere.

Consider laundry rooms

If you really need your laundry room in your basement, make sure you save some space by turning it into a pass-through galley area that features a pocket door.

Layer lighting

If your ceiling lights are not too high, you can add to the lighting with the help of recessed lights. Aside from this, you can also make use of the under-cabinet lights in the laundry and kitchenettes area. For mood lighting, you can install a couple of decorative fixtures.

Make another bathroom

You can turn the cold-storage spaces into a bathroom.

Get the most out of finishes

You can layer patterns and textures throughout the basement to add character and interest. Moreover, mixed metals and cool tiles will make your spaces more beautiful and catchy.

Long story short, you may want to use these tips if you are going to renovate your basement.

Tips to Fishing For Bass From Shore

When most people think of bass fishing they tend to think of fast, brightly colored boats and professional anglers like what they see on television every weekend. This is what comes to mind when the average person thinks of the term bass fishing, but the reality is that many anglers don’t have the money or good fortune to have access to a boat to go bass fishing. For these anglers, and I tend to think there are a lot of us, bass fishing from shore is the only viable alternative that we have.

In this article I will outline some tips to fishing for bass from shore. When a boat isn’t an option and fishing from shore is the only alternative, these tips on fishing for bass from shore will certainly come in handy. They will help you catch more bass when fishing from the bank. The tips are being listed in no particular order and all have there place in any serious shore fisherman’s repertoire.

  1. Pay Attention To Your Impact – When attempting to catch bass from shore pay attention to where your shadow is being cast so as not to spook any bass that are close to the bank. It’s also a good idea to “tread lightly” and make as little noise as possible when fishing from shore. Wary bass can spook easily, and if you spook the bass they will be difficult (if not impossible) to catch. Your shadow and loud, unnatural noises are a sure way to spook bass. Always pay attention to your impact and the ways in which you might be spooking the fish you are attempting to catch.
  2. Flies Are An Effective Bass Bait – Artificial flies are a very effective bass fishing bait that often get overlooked by traditional spin fishermen. If you aren’t a “fly fisherman”, but would like to give artificial flies a shot when fishing for bass from shore, a casting bubble is the way to do it. Using a casting bubble to fish artificial flies for bass is an extremely effective bass fishing technique for the person who doesn’t want to go to the time and expense of being a fly fisherman.
  3. Top Water Baits Are Effective – Anyone who has ever fished for bass knows how effective top water baits can be, and this is certainly true when fishing for bass from shore. Many times bass will lay or cruise right along the bank waiting for something to fall/jump into the water. For this reason top water baits can be very effective when fishing from shore. Remember to abide by the earlier tip when fishing top water baits from shore though, you certainly don’t want to “spook” the bass you are trying to catch.

Keep these simple (yet very effective) tips in mind the next time you go out fishing for these wonderful fish and you are confined to fishing from shore. These tips have helped me catch many bass over the past twenty five years and I know they will do the same for you.

Popcorn Butter Dispenser – Tips for Alternatives to the Theater Model

If you love popcorn, then most likely you’ll want to find the perfect popcorn butter dispenser.

Commercial butter dispensers are expensive and can take up a lot of space. Is there an alternative to the butter dispensers you find at the theater?

Your Popcorn Butter Dispenser – Theater Model or Make Do at Home?

When you buy popcorn at the movie theater, the salesperson will most likely ask you if you want butter on it.

The theater may provide real melted butter, or they may have some sort of melted butter-flavored liquid stuff (often called “buttery topping”) that they will squirt on the popcorn from a box with a large dispenser pump on top.

Either way, the popcorn is delicious!

Is this the type of popcorn you want to enjoy at home? Many people do.

So you have a choice. You can opt for the real thing, a commercial popcorn butter dispenser that keeps the butter melted and ready to pour on your popped treat, or you can make do with an alternative dispenser.

Theater Popcorn Butter Dispensers Can Be Very Expensive

The butter dispensers you find at the theater are commercial models, and while they do a good job at keeping the butter melted at just the right temperature, they are very expensive.

On the other hand, melting butter on your stove is a bit of a haphazard thing. If you keep the butter on the stove with the burner lit under it, the butter stays melted but it may also burn. It’s not fun to pour burned butter on your popcorn treat. Yuck.

Commercial popcorn butter dispensers do a great job at keeping the butter melted at just the right temperature.

These models have a stainless steel tub inside the dispenser that is surrounded by hot water. The dispenser has a warmer in it that keeps the water at just the right temperature to maintain the butter at melting point. When the day is over, the stainless steel tub of butter is removed and placed in the fridge and the dispenser is unplugged. No waste, no hassle.

However, prices for these theater popcorn butter dispensers typically start at about $150 and go up to as much as $400. There are even some models that run more than $1000.

For most people, spending that kind of money on a peripheral item is ridiculous!

Try These Alternative Popcorn Butter Dispensers at Home

Finding an alternative to the theater popcorn butter dispensers is actually a common thread on forums.

Many people balk at the idea of spending hundreds of dollars on something they may use sporadically.

Instead, others have suggested using a ceramic fondue pot as an alternative popcorn butter dispenser.

The fondue pot generally uses a small lit votive candle or Sterno can to melt the contents of the pot. It can work well to keep the butter melted at just the right temperature without burning.

Picture using this type of pot and candle to keep butter melted for lobster. It works!

One drawback to the fondue pot idea is that it can be difficult to pour the butter onto the popcorn without making a small mess.

A second suggestion is to shop eBay periodically. Sometimes you can find a commercial popcorn butter dispenser for sale when someone sells their concession or theater equipment. Be aware, though, that most likely you’ll be spending close to $100 for the dispenser, even though it may be used.

Several people commented that they will put some butter in a squeeze bottle and place it in the microwave for a few moments. There is a concern, however, that the bottle itself may melt, which could make a mess and/or cause burns. If you try this, be very careful.

Try the Presto Hot Topper

One idea that many people have found helpful is to look for the Presto Hot Topper. This is a dispenser that is specially designed to melt butter so you can spray it on popcorn, corn-on-the-cob, pancakes or waffles, baste a turkey, and so on.

Reviews for using this as a popcorn butter dispenser have been quite positive, with many people stating they really like it. One woman wrote that her kids call the Hot Topper the “Butter Gun.” It is easy to use and easy to clean.

One drawback is that the Hot Topper doesn’t seem to be made any more by Presto. The good news is that it can be found fairly regularly on eBay, at a price of somewhere between $5 and $20.

You may opt to buy a commercial popcorn butter dispenser, but if not, the Presto Hot Topper may be your best solution for enjoying melted butter on your popcorn.

Save Money on Vet Bills – Tip #1 – A Less Expensive Alternative to Metacam, Rimadyl Or Deramaxx

Is your dog on an anti-inflammatory medication such as Metacam, Rimadyl or Deramaxx? These medications can certainly be expensive, but they do tend to work well. I have seen many arthritic dogs get a new lease on life by going on one of these medicines.

I have recently started prescribing a medication called Previcox. This is a Non Steroidal Anti-inflammatory that seems to be just as effective as the drugs mentioned above. If your dog is currently on another NSAID, it is safe to switch to Previcox. Depending on your dog’s situation your vet may advise a few days without medication just to be safe while we do the switch.

In my experience, Previcox is about 2/3 the price of the others and it seems to be just as effective with the same degree of safety. It comes in a tablet that is easily divided if necessary to get the correct dosage.

And here’s another tip: If your dog is on Metacam, you can ask your vet if they can order in generic Meloxicam. This is a pill version of Metacam that is used in people. It is less expensive. However, because it is a pill and not liquid it is sometimes hard to get the correct dose for every size of dog.

For more great tips on how to save money on vet care, check out these money saving tips. You can find really practical tips that are guaranteed to save you money on vet bills. These are a collection of 11 years experience as a veterinarian. I hope you enjoy them!