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Whales: Giants of the Ocean

Whales are among the largest and most remarkable animals on Earth. These marine mammals live in oceans around the world, from warm tropical waters to the cold seas surrounding the poles.

Life Beneath the Surface

Although whales spend their lives in water, they breathe air through blowholes located on top of their heads. They must regularly return to the surface to breathe before diving again in search of food or traveling through the ocean.

Whales are warm-blooded, give birth to live young, and nurse their calves with milk. A thick layer of fat called blubber helps protect them from cold water and stores energy during long migrations.

Two Main Groups

Whales are generally divided into baleen whales and toothed whales. Baleen whales filter small animals from the water using flexible plates inside their mouths. This group includes blue whales, humpback whales, and gray whales.

Toothed whales use teeth to catch fish, squid, and other prey. Many of them also use echolocation, producing sounds and listening for returning echoes to understand their surroundings. Sperm whales, belugas, and orcas belong to this group.

The Blue Whale

The blue whale is the largest known animal to have ever lived. An adult can grow longer than a city bus and weigh well over one hundred tonnes. Despite its enormous size, it feeds mainly on tiny crustaceans called krill.

Communication and Migration

Whales communicate using clicks, whistles, pulses, and complex songs. Some sounds can travel across great distances underwater. Humpback whales are especially famous for their long, patterned songs.

Many species migrate thousands of kilometres each year. They often feed in cold, nutrient-rich waters before traveling to warmer regions where they mate and give birth.

Protecting Whales

Commercial hunting once caused severe declines in many whale populations. Today, whales also face threats from fishing gear, ship collisions, underwater noise, pollution, and changes to ocean ecosystems.

Conservation programs, safer fishing practices, protected habitats, and international cooperation can help whale populations recover. Protecting whales also supports healthier oceans because these animals play an important role in marine food webs and nutrient cycles.

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PRIVATE FUNDING

Information needed for preparing note and security deed

HOMEOWNER’S INSURANCE REQUIRED FOR CLOSING

A 12 month prepaid Homeowner’s Insurance Policy is required for closing.  Proof of the paid insurance or a premium amount due along with a declarations page is required to be sent to the Lender’s attorney (susandassow@perrielaw.com) and to the closing attorney at least 2 days prior to closing.

**The premium payment may be made by you, or it can be collected on the closing statement.

**Monthly payments for the insurance premium are not allowed.

**The insurance policy must be appropriate for the property.

Rental property

Vacant property

Under construction

Vacant land

**The dollar amount of coverage must be at least the amount of the loan.

**There is no loan number required to be on the policy

**The insurance agent must enter the correct Mortgagee Clause on the policy

PLUS CAPITAL INVESTMENTS, LLC

5805 State Bridge Road, Suite G – 434

Johns Creek, Georgia 30097

PRIVATE FUNDING

Information needed for preparing note and security deed

HOMEOWNER’S INSURANCE REQUIRED FOR CLOSING

A 12 month prepaid Homeowner’s Insurance Policy is required for closing.  Proof of the paid insurance or a premium amount due along with a declarations page is required to be sent to the Lender’s attorney (susandassow@perrielaw.com) and to the closing attorney at least 2 days prior to closing.

**The premium payment may be made by you, or it can be collected on the closing statement.

**Monthly payments for the insurance premium are not allowed.

**The insurance policy must be appropriate for the property.

Rental property

Vacant property

Under construction

Vacant land

**The dollar amount of coverage must be at least the amount of the loan.

**There is no loan number required to be on the policy

**The insurance agent must enter the correct Mortgagee Clause on the policy

PLUS CAPITAL INVESTMENTS, LLC

5805 State Bridge Road, Suite G – 434

Johns Creek, Georgia 30097