About NAPP

NAPP™: The Big PUP Tent©

Introducing N.A.P.P.

from Yaakov (Jim) Schwartz

The most important things in life aren't things.

Jim Schwartz, a Pawduciary©, graduated magna cum laude in finance from the University of Denver where he also received an MBA. He was named (Fee Only) Financial Planner of the Year in 1985 by the National Association of Personal Financial Advisors. Schwartz has authored two editions of ENOUGH and also is the founder of the Next To Kin Foundation ('no do before his time'). He resides in Centennial, Colorado's largest doghouse with Simcha and Goodie (his K9 Ambassadors from G-d).
Two Stories
11 years ago, I had a t1 larynx cancer – even though I never smoked. Each night after radiation, my standard poodle Moses, when we would retire for the evening, would lay his head ever so gently on my neck. And when the protocol was over, Moses no longer laid his head across my neck before we went to sleep but once again would lay every so close by softly against my body as we fell asleep. And now nightly before I turn in for the night with Moses’ worthy successor Simcha on my right and Goodie my female standard on my right, I say the Jewish prayer Shema – and somehow I feel that Moses’ head on my neck.
Away Never Gone
The most important things in life aren't things
Almost 20 years ago, My Nicki, named for professional wrestling champion the great Nick Bockwinkle as well as my first crush (Nicki R), developed ACL problems. Being that I was quite knowledgeable in the insurance field (being a fee only personal financial planner), I had made sure I had pet health insurance – in fact coverage that was supposedly $100 deductible per incident and therefore paying $80%. The cost was close to $2500 so I expected to pay $580 and the insurer the remainder. The insurer paid about $300. How come? Non disclosed at purchase was the fact there were inner limits per procedure. And to make matters worse the premium when up for utilization. The insurance then was terrible and it has gotten better but still there are ‘gotchas’ all over the place. Companion animals insured in Britain live a average of 2 years longer healthier – and 30% of the Brits have pet insurance - and we have but 2% after 30 years due to inconvenient, costly, and gotcha policies.
And that's wrong because the most important things in life aren't things.
By law, our companion animals are toasters – personal property. And so while you may defend your family from an intruder under Make My Day Laws, you can’t defend a toaster – let alone your dog or cat. (And if you do, under the assumption the intruder was harming the dog or cat, and you were next – there is no affirmative defense.) Instead it will cost you $15,000 to $25,000+++ to defend yourself – which most likely you will prevail.
And that's wrong because the most important things in life aren't things.
The National Association of Pet Parents (N.A.P.P.) (think an association like AARP but for the 200 million dog and cats pet parents) is about righting these wrongs.

N.A.P.P.: - Because The Most Important Things In Life Aren’t Things