[Insurance]

We’ll describe seven aspects of your horse’s diet that might not be up to par. Horse owners don’t often consider water to be a commonly deficient nutrient, but when it’s unavailable or of poor quality, it can lead to a life-threatening insufficiency. Jessica Leatherwood, MS, PhD, assistant professor of equine science in Texas A&M University’s Department of Animal Science, in College Station, says dehydration often occurs in winter, when water is extremely cold or covered in ice. “Horses typically will drink less if they are cold and offered cold water,” she says. “Less water consumption coupled with increased forage intake to stay warm predisposes the horse to dehydration and possible impaction colic .” Dehydration also puts horses at risk for impaired muscle and nerve function and reduces their ability to regulate their internal temperature. Leatherwood encourages owners to combat this by offering warm water during cold months and by ensuring ice does not cover troughs or waterers. Horses can also become dehydrated during and after performing intense exercise, especially if they’ve sweated profusely due to heat and humidity. Lack of water intake during travel is another concern. In hot, humid conditions or when traveling, some horse owners opt to add electrolytes , which include the minerals sodium, potassium, chloride, calcium, and magnesium.

https://thehorse.com/194483/7-dietary-deficiencies-in-horses/

[Finance]

Young people in particular have been hit the hardest by job losses, with an unemployment rate three times the national average. Photo: Getty The speaking of ONS said a record 314,000 people lost their job in the three months to September – a period in which the Treasury’s wage subsidy scheme became less generous. The ONS said the 181,000 quarterly increase in redundancies was unprecedented, helping to increase the UK unemployment rate from 4.1% to 4.8% between the second and third quarters of 2020. Young people in particular have been hit the hardest by job losses, with an unemployment rate three times the national average. It’s not always easy to create a contingency plan in case of redundancy, especially when so many people are living hand-to-mouth. So how can you plan your finances if you are worried about losing your job? Check if you are eligible for a redundancy package If you’re concerned about being made redundant or believe you may lose your job in the near future, it’s important to check what redundancy payment you will receive. Go through your employment contract, which will state what package you may be entitled to. You can work out how much redundancy pay you might get by visiting the Direct.gov website. It depends on your age, weekly pay and number of years in the job. In the UK, you’ll normally be entitled to statutory redundancy pay if you’re an employee and you’ve been working for your current employer for two years or more.

https://sports.yahoo.com/how-to-plan-your-finances-if-you-are-worried-about-redundancy-060043783.html