Can anyone give me a list of best European brands dog? I looked for 6 foods pinscher dogs out for my mini, but they are all the marks of the United States. I would really like your help … I want to give my dog the best. I live in Cyprus.
I do not know European brands, but reading the ingredients is a universal means of finding a quality dog food here. It what I want 1) When I chose a dog food, I chose a high meat content. I want to see preferably at least 2-3 for the first 5 ingredients are meat meal or meat (first ingredient must be!). Meal is simply the meat with the moisture removed. 2) I want to see grain quality, such as barley, brown rice, oats, and instead of seeing wheat and corn. Or an alternative starch / carbohydrate such as potatoes or sweet potatoes. 3) I do not want to see by-products. 4) I do not want to see a large number of charges. 5) I do not want to see that conservatives are believed to be carcinogens (BHA, BHT, ethoxyquin). 6) I do not want to see these artificial colors like red, blue, and yellow dyes. 7) I do not want to see added sugars (sugar, corn syrup). I do not want to see mystery meats (meats identified only as "meat" or "poultry "). ZiwiPeak ADD Do they sell where you live? It's a dog food in Australia, very high quality. (But here in the U.S., it is also comes with a very high price tag, not sure what prices are like there.).
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This series of our articles is Jammu and Kashmir agricultural development centered. There may be duplication of some or other of the articles in this and other websites.It is designed for the state of Jammu and Kashmir, but may be of interest to the world whole also espacilly similar ecosystems.
INTRODUCTION
Superior productivity gains can be achieved through the application of technology and production recommendations to farmers on the ground. We have 65% of small and marginal farmers whose sensitizing potential low. The production system in place with these farmers is a mixed farming or composite. Unlike U.S. and European agriculture our necessity is to increase "opportunities for culture" Rather than production gains Comodity.
MIXED MODULES agricultural are OUR NEED
A mixture of Agriculture and University Education has UPS is our necessity. We at stray current to our needs. Quick and prompt action is necessary to unify our educational system, involving all agriculture and disciplines, industries, companies and institutions to farmers.
DAILY GREEN REVOLUTION
It should be noted that the years Indian pride of green agricultural revolution after 1968 saw the reduction of food imports and eventually win white, blue and other revolutions supported our population pressure and agricultural growth. Our agricultural growth rate needs equal if not more, at the rate of growth of population (PMP). Our goal should be AGR double the PGR. This is important because the rate of consumption, purchasing power and employment / income opportunities increase.
FOOD GRAIN SECURITY
A food grain estimated at 210 million tonnes at present may be necessary to double in the next 10 years. Our goals of higher productivity through vertical expansion as the horizontal expansion of land is not possible. our target of 4 t / h of rice or wheat are self-sufficient Jammu and Kashmir, a database of food security is necessary 5t/h.On us have an average of 2-3 t / h of rice and wheat production is less in the state. The combination of vegetables, fruits and other pulses, we can be relatively better off in the future. The per capita food grain consumption is slightly more than the rest of the Indian state because the coldest and more calories are needed.
Currently experimental PERFORMANCE
Under our experimental stage and even in experimental trails miniskirts our overall productivity in the ranks of rice between 5-6T / h, Wheat 3-4 T / h, corn 3-5 t / h. The peak experimental production of 8-10 t / h Variety was reported.The other details have been reported Wani, 2007.and is also available on this site. The increase in paddy yield, from 1947 to 2009 have been raised from 40 to 50 barrels a Kanal (i/8th an acre and the extent of land in J & K) to round 350 kg to400 a realization kanal.This was possible under irrigation ensured with the use of both biological, organic and chemical fertilizers. experiences Biological made under our supervision in a project IVLP showed higher output of 2 q / ha with the change of a wooden plow iron plow called Shalimar plough.The use of farm yard manure in both green and reduced use of chemical fertilizers and increase productivity.Due less than 1/10th of the recommended use of fertilizer or one used in the Punjab we are better off in Jammu and Kashmir, especially in terminal ends in the mountain regions.We can directly SWITCH organic farming of all dried fruits and vegetables out with,
Crops
crops such as mushrooms, honey, flouriculture, poultry and dairy farming sheep for meat production have an enormous potential development.The for aquatic plants and forests and naturally growm shrubs and herbs have a market and economic trememdous bee viability.The keep as polinizers and even around the Dal, lakes and other Wular have enormous potential for honey production rich in iodine can reach exorbitant prices on the world market and can be used by the patients thyroid insufficiency and gout.
LOCAL DISEASE resistant genotype
A variety of vegetables that grow their own location on the forest bare and bunds and other nomame kand nunar called is rich in other iron.Many Weeds growm self use as best vegetables and nutririve may be the best soil binders and suppliers of organic matter, vegetation cover for rainfed agriculture and bare land eroded addition livestitritive cock fodder and human and lack of support for nutrition and nomaids tribials.There a number of local genotype that develop their own in our dry, wet and marshy lands. Sequential DNA Mappling is necessary about their culture and nutritious value.There potential and propagation must give readymade organic. sustianable and low basic input and security.The food mapping is to reveal their properties and we can plan and spread them, such a model for cashmere goats on the fine was performed by the author with a successful outcome for the whole pashmina industry, the attempt referred saved our precious genetic heritage, This gene bank was wise being diluted with other Russian and Mongolian race DON goats.The cross was stopped by the author and therefore retained the gene pool of our low yielder, but giat diameter Cross breeding.Similar attempts to conserve and preserve vegetables local rice, nuts and gene pools ffruit mfishmanimal must be retained and enhanced by the use of biotechnology.
seed multiplication
We have developed numerous disease resistant and high yielding varieties in paddy research center rice seed multiplication Khodwani.The is slow and needs a good central state, the ICAR-skuast convergence, which has not been forthcoming for problems level.A top policymaking must be done to use the available agricultural and allied graduates to raise public-private banks.We Seed partnership mode needs of 10,000 quintals of rice seed by annum.We only party of all available land in our KVK, but are not able to produce hundreds of quintals of paddy of the association and public-private partnership led seed.The too marginal an important increase.The only solution provide agricultural seed is the path of flooding is available for two of three years, the IRS is a proposal yet to be tried in the state.Alternatively let us use these flood channels and use the unemployed graduates to harness agricultural seed revolutions in the State of Jammu and Kashmir.The Flood risk is only once in five years which may be sustained by the benefits or insurance coverage available for such careful planning ventures.A cut may even prevent these risks too.
Planning at national level
. Similarly the production of 100 million tonnes of wheat 25 million hectares needs a 4t/hac.Jammu-et-Cachemire productivity is 1 / 100 th of the country, so we need one million tonnes of wheat and rice to feed our population crore each. Our population growth is slower than the rest of the states. Purchasing power is better than the farmer means or the person in India. We aim to double our productivity per hectare needs more technical manpower in extension, industry and the gross root level. Climate disasters, earthquakes, tsunami Titanic, floods have affected our agricultural production in past and additional requirements must be considered in planning for food security. We need to increase spending Per capita consumption of Rs 600 per month. We need to bridge the gap between potential and actual yields in farmers. The Chemical Hazards agricultural fertility of poor soils, low water availability, pollution and environmental concerns impede our agricultural development. Thus, technical sophistication, participatory research and training modules are required. The new pressures of global marketing. Global trade and tariff regulations must be reconciled. All this information service must incorporate new themes such as post-harvest management, value added, packaging, communication and credit market in our curriculum. Thus, a new multidimensional curriculum change is planned.
"We feel proud to call ourselves as the second largest agricultural research system (ARS) in the world. When we review our performance, we are no share among the top ten of most cited publications in the agricultural world. The United States tops the world list with 3, 62, 79842 cited publication / year with small countries like Switzerland at No. 10. The scientific production in agriculture is highest in the United States with 27 lakh publication / year, followed by Japan, Germany, United Kingdom, France, Canada, Italy, Russia, China and Australia. Our contribution to the publication Agriculture is 5.48% only with us a summons to 2.32%. This requires more emphasis on quality assurance. Our main program must be of quality, accreditation, wanted to know, evaluation skills and skills and academic audit. Quality assurance means to strengthen the resources, information and maintenance of educational infrastructure. We therefore need to regulate subsidies and Centre-State relations rational ", has said a group of experts associated with the author of this report.
ICAR grant system
We have central universities Agricultural and 200 general universities, 48 faculties of agriculture. Whole disciplines requiring subsidies may be strengthened in five years by grants 1Cor each discipline of quality assurance. We produce 10,000 under graduate, graduate Post 5500 and 1600 Ph.D. in agriculture every year. They add to the pool of unemployment. To make the self-employed in new enterprises and jobs increased, they need to strengthen skills in the global economy and trade policies. Biotechnology, Bio Information, Bio fertilizers pesticides and fungicides. New development of teachers in all universities and colleges must be executed within the next 5 years. Such as information Parasites and investigation management analysis, decision support and geographic information system. A new trust must be given to integration of curriculum practices on the ground in a partnership mode with the farmers. A teacher-student-farmer-industry interaction and cooperation is to be integrated, unified and refined at the end results. This requires harmony between faculty and others and synchronization curricula at UG, PG and PhD. It must be refined for our area and location requirements of agriculture extension guide changes in the world and much emphasis is now on community outreach mechanisms to bring about lasting change. The factors that make groups of farmers managed to disseminate information and technologies need detailed analysis. A mixed methodology, the approach to several stages is used to obtain data.
About the Author
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what is considered a high level of cholesterol for a northern european? and how can cholesterol be lowered?
im 16 not overweight but i suppose i could lose a few pounds. anyway i had a blood test before my dermatologist put me on roaccutane. she said i was fine to go on the drug but she told me my cholesterol was 4.8 and she said people should be around 4.
(i might not have these facts and figures completely right because it was like 2 weeks ago and im starting to forget what she said)
but she said northern europeans/celtic people like myself have higher cholesterol that other types of people so i shouldn’t worry too much about it.
firstly what is a healthy cholesterol for someone like myself? (16 year old female, 5′3”, 9 stone/126 pounds)
and what sort of food lifestyle choices can be made to help lower cholesterol?
many thanks!
i know sorry i not sure what the actual figures were i forget but im sure she said my cholesterol was higher than it should be something about triglycerides i think
You’re probaly talking about your cardio risk ratio, CRR, the ratio of Total Cholesterol to HDL( High Density Lipoprotein)
CRR = TC/HDL
It is recommended to maintain a CRR of less than 5. Your is a little higher than the ideal that is 3.5.
As for diet eat foods containing vitamin A as beta-carotene, vitamin C, vitamin E and selenium. foods with minerals like chromium, magnesium, calcium, copper and zinc. If you are not eating enough fish and seafood, you should also consider taking omega-3 oils as a dietary supplement.
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That heavy thump you heard from stockmarkets around the world, especially in the US with the 9% fall in the Standard & Poor’s 500 index on Wednesday, was the sound of the last rose coloured glasses falling from the noses of investors, commentators and investment analysts who have finally accepted that the globe is heaving into a recession, led by the tottering US, UK and European economies.After falling Wednesday, European markets again fell heavily Thursday, but the selling wave in the US slowed as investors accepted the new reality. In fact Wall Street bounced strongly in late trading.
Resources were heavily hit as big investors abandoned their last defensive position.
Wednesday and Thursday saw a collection of figures, reports and comments that confirmed that the global economy will drop below the International Monetary Fund’s idea of a global recession in 2009: that’s global growth of 3%.
It is now clear that the US economy is sliding, nastily, but speedily into a slump the like of which we haven’t seen this side of World War 2. US consumers, who carry the US economy on their backs by generating 70% of annual activity, are being battered into submission.
Consumer spending, consumer credit and retail sales are all falling at levels not seen for decades. There is every chance that October’s and November will see declines even sharper than we have seen in August and September.
The monthly investment manager’s survey from Merrill Lynch, released overnight, says “Investors are waiting for the right conditions to return to equity markets amid the most pessimistic outlook yet recorded”
The survey, completed as global equity markets fell in value by 18.7%, shows that almost seven out of 10 respondents (69%) believe that the global economy has entered recession, up sharply from 44% one month ago.
Growing risk aversion has led to a record 49% of respondents who are overweight cash.
The number of respondents who believe equities are undervalued has reached a 10-year high, at 43%.
“Fund managers are waiting for the triggers that will give them the confidence to buy,” said Gary Baker, head of equity strategy at Merrill Lynch.
What they are looking for is a loosening of monetary conditions and for third quarter earnings to clarify where problems and opportunities lie across equity markets.”
But the survey showed that respondents appear to be placing little or no credibility in consensus earnings estimates for the year ahead. A net 92 % of respondents regard estimates as “too high,” and more than half say estimates are “far too high.”
At a time of global pessimism, the gloom is no more concentrated anywhere in the world than in Europe. A net 41%t of global asset allocators are underweight euro zone equities. Europe has now assumed the UK’s mantle as the world’s least popular destination for equity investment.
The survey also found U.S. fund managers are now much closer to fully accepting what they expect will be a deep and prolonged U.S. recession.
“In our view, however, it is too soon to say we have reached a bottom in equity markets given the current financial market turmoil,” said Sheryl King, senior US economist at Merrill Lynch.
Oddly enough, we should be relieved by this information because there’s something comforting by an acceptance of an impending or developing recession.
I’d much rather face that than the absolute fear and loathing we saw on markets last week in the global credit panic.
That’s not to say the pressures from the panic have gone: they are still with us, but Wednesday and yesterday’s weakness on global markets was more an old fashioned acceptance that economic activity is sliding and that there will be more pain and suffering before we get through it.
But not an absolute and stunning collapse.
We are not out of the woods by a long way, but if central banks and governments hold their nerves, we could get away with just a severe economic mauling instead of a replay of 1932-33.
So what happened?
The US Fed said that economic activity had worsened across all of its 12 reporting districts across the country with falling activity in retail, financial services, housing, tourism. The Fed’s beige book survey of economic conditions revealed pervasive weakness, with tight credit, deteriorating consumer spending and a weak labour market across the nation.
Fed chairman, Ben Bernanke and the head of the San Francisco Fed, Janet Yellen, both made it clear, in their own way, that there was no quick fix or early rebound for the slumping US economy.
That hopes of a recovery in 2009 were misplaced, and 2010 might see some improvement.
US industrial production fell sharply last month, hit by storms, slumping demand and the credit crunch. The Fed said the drop of 6% was the largest for 24 years and production would have dropped even if there hadn’t been storms in the Gulf and a strike at Boeing.
Another Fed survey in Philadelphia showed a sharp contraction in manufacturing in the area, while the commercial paper market again shrank, but the rate of decline is slowing as the Fed starts lending money to leading companies.
US retail sales fell 1.2% in September, almost double the fall forecast by economists as cars, food and every category saw weakness. Sales on internet auction site, eBay off 1% in the quarter, the first fall in history of the company.
The fall left retail sales 1% lower than a year earlier, signalling that consumers withdrew substantially from US shops and malls in the month.
A leading member of the US Federal Reserve, Janet Yellen, head of the San Francisco Fed describing the US economy as being in “appearing to be in recession” and worryingly warning of the chances of inflation falling away next year in the US to replaced by price deflation.
The New York Fed produced its general economic index that had its worst reading since it started back in 2001, when the last US recession was starting.
In good and bad news, US producer prices fell for a second month in a row as oil and fuel costs fell, and demand eased.
The US Labor Department reported that prices paid to US producers fell 0.4%, while core price rose 0.4%. It’s a sign more and more American companies are finding it tougher passing higher costs on up the production chain.
US consumer price inflation was better than forecast because of the fall in oil prices and slumping demand: they eased 0.1% for the second month in a row and rose 0.1% on a core basis. Inflation over the year to September was up 4.9% from 5.4% in August.
The fall in retail sales was the third in a row, and the deepest: it was driven by that 27% fall in US car sales in the month and falling levels of demand caused by the credit freeze as consumers were refused credit, or stopped buying on the cards.
Economists say that with retail sales down in the September quarter (and consumer spending and credit also lower) its looking certain that real consumption will fall for the first time in a quarter in the US for 17 years.
In Europe, Germany, the continent’s biggest economy, has slashed its growth forecast dramatically.
The German government says growth for 2009 from 1.2% 0.2%, reflecting the rising international risks for the economy, although it warned the precise extent of the slowdown would depend on the severity and duration of the financial crisis.
The new estimate matches the joint forecast published by the country’s leading economic institutes in their regular Autumn report on Tuesday. The institute also issued a worst-case scenario that could see Germany’s economy shrink by 0.8% in 2009..
The fall in retail sales is making US retailers and forecasters increasingly wary about the highly important Thanksgiving-Christmas retailing season: it could be a terrible holiday for consumers, retailers and the economy and analysts now say the US will have its second quarterly slump in economic growth in a row in the December quarter.
Growth this quarter may dip into the red, and that will produce an outright recession by conventional US definitions.
Ms Yellen said the US economy was likely to see “essentially no growth” in the third quarter and that the fourth quarter “appears to be weaker yet, with an outright contraction quite likely.”
“Indeed, the US economy appears to be in a recession,” Yellen said.
Ebay forecast that quarterly sales, fourth-quarter and annual earnings forecasts would fall as growth slows at its web sites.
EBay forecast fourth-quarter revenue of $US2.02 billion to $US2.17 billion, compared with $US2.18 billion in the final quarter of 2007. the company said the value of goods sold on its sites fell 1% in the third quarter, the first drop in the company’s history.
And late in the day the Fed produced its so-called Beige book.
”Reports indicated that economic activity weakened in September across all twelve Federal Reserve Districts. Several Districts also noted that their contacts had become more pessimistic about the economic outlook.
“Consumer spending decreased in most Districts, with declines reported in retailing, auto sales and tourism. Nearly all Districts commenting on nonfinancial service industries noted reduced activity. Manufacturing slowed in most Districts.
“Residential real estate markets remained weak, and commercial real estate activity slowed in many Districts. Credit conditions were characterized as being tight across the twelve Districts, with several reporting reduced credit availability for both financial and nonfinancial institutions.
“District reports on agriculture and natural resources were mostly positive, although adverse weather associated with hurricanes Ike and Gustav negatively affected the South and the Midwest. Inflationary pressures moderated a bit in September.”
It was a very gloomy snapshot of an economy heading lower at increasing pace.
The Fed said that shoppers are becoming more price conscious, credit was becoming even harder to come by and this was sapping sales at the nation’s retailers, the report said. Given this, retailers foresee a “weaker economic outlook, including a slow holiday season,” the Fed said.
The survey was released shortly after Fed Chairman Ben Bernanke, in a speech in New York, warned that it would take time for the country’s economic health to mend even if badly needed confidence in the US financial system returns and roiled markets stabilize.
In the UK unemployment is on its way to 2 million sometime in the next six months after another rise in August to 1.79 million, or 5.7%. As bad as that is, the rate is still well under America’s 6.1%.
The official figures show that UK jobless rose 164,000 between June and the end of August. The higher-than-expected increase – of 0.5 percentage points to 5.7% was the largest since 1991 and the eighth successive monthly rise. (It’s nine in a row in the US).UK inflation hit an annual rate of 5.2%, a 16 year high.
Our unemployment rate in September rose to 4.3%, where are a long way from the depths of the US and UK economies!
—–
In Europe, new car sales 8.2% last month as the financial crisis put off potential buyers.The continent’s automakers association said in a statement: “The drop in registrations confirms the aggravating market circumstances, as the fall-out of the financial crisis hits auto manufacturers hard.”
“Customers are increasingly hesitant to make large expenditures and find it more difficult to get their purchase financed.”
ACEA said a total of 1,304,583 new cars were registered in September in the 28 countries it reviewed – the 27 EU member states, minus Cyprus and Malta, plus Iceland, Norway and Switzerland.
—–
In Moscow local bank Globex yesterday banned depositors from withdrawing their money as confidence in the Russian banking system began to show signs of ¬evaporating.Globex is a mid-sized retail bank with assets of $US4 billion, according to the Financial Times. It’s the first Russian bank to experience a run on deposits during the crisis.
It lost 28% of its deposits since the start of last month, according to local analysts.
At least a dozen other Russian banks have reported a sharp rise in withdrawals and account closures.
—–
Hungary was plunged into deeper financial uncertainty overnight with its currency (the forint) and stock market falling sharply and bankers reporting credit shortages, as concern spread across eastern Europe about the impact of the global financial crisis. In Budapest, the forint fell 5.3% to 266 to the euro and the BUX index of leading stocks closed down 12%, dragged down by a 15% fall of price of OTP, the country’s biggest bank. Currencies and stock markets also fell in Poland, the Czech Republic, Romania and Ukraine.The Hungarian turmoil followed moves by leading banks to stop or curtail foreign currency lending, the dominant form of credit in Hungary in recent years.
Analysts now say there’s a rising chance that the inflow of foreign currency will slow, reducing the funds available for financing the country’s current account and putting more pressure on the currency and on the solvency of banks and other financial groups.
The European central Bank will lend 5 billion euros to Hungary to support the currency and the economy.
—–
So what does this mean for Australia?
Rory Robertson is an interest rate strategist at Macquarie Group; here’s his take on what lies ahead for Australia. It’s both positive and negativeBusiness investment is Australia’s “weakest link”
Prospects for business investment have deteriorated sharply across the globe in recent months, as equity prices have imploded, credit conditions have tightened sharply and commodity prices have slumped. Keynes’s famous “animal spirits” have been crushed, pretty well everywhere.
This is a big deal for Australia; because business fixed investment (BFI) is at a multi-decade record 16% of GDP, after having trended higher since the end of the early 1990s recession.
With animal spirits, spending power and commodity prices having turning down as the global credit crunch intensified, BFI will be the weakest link in Australian GDP growth in coming years.
Indeed, if the Australian economy goes into recession, BFI will be the main driver, as always.
Household spending will be relatively strong, particularly now that fiscal and monetary policy are providing a large boost to household cash flows via lower mortgage rates, and income top-ups for families, pensioners and first-home buyers (see below; and note the heavy official focus on mortgage rates rather than business borrowing rates, to this point at least).
Four upbeat factors that give Australia a fighting chance in global downturnAs regular readers are aware, I’ve been a bit of a “doom and gloomer” all year. In a NZ conference call last week, I was asked to say something positive, to highlight any recent positive developments. I highlighted four factors that give the Australian economy a fighting chance in a global recession:• The RBA’s effective policy framework, and plenty of monetary ammunition. The RBA has cut its cash rate by 125bp in the past six weeks, and the standard-variable mortgage rate has fallen by 105bp. The Fed, the ECB and the BOE can only dream of that sort of powerful pass-through.
Moreover, the cash rate still is a relatively high 6%, so there’s plenty of room for lower rates as required. I’m guessing the RBA will cut to a “neutral” 5% by Christmas, dragging mortgage and business rates significantly lower (see further discussion below, and attached RBA Watch).
The weak A$ now is Australia’s new best friend, given the substantial recent drops in global commodity prices. The A$’s 20-30% decline from recent highs is a huge free kick to Australian exporters and import-competers, to the extent that it is sustained. As noted here last week, some of our tradeable sectors suddenly are back in business.
Yes, global demand is weakening fast but at least our tourism, agricultural, manufacturing, education and other tradeable sectors will sell more with the A$ near 70 US cents than near 90 US cents (or with the TWI in the 50s rather than in the 70s).
Canberra’s pristine balance sheet means there is plenty of fiscal ammunition (see p8 at http://rba.gov.au/ChartPack/output_expenditure_activity_fincon.pdf ). Canberra has plenty of room for counter-cyclical efforts, including new spending, tax cuts and loan guarantees, while both Canberra and the States have plenty of room to continue the expansion of their infrastructure programmes.
Indeed, Canberra yesterday announced a pre-Christmas stimulus package worth perhaps 1% of GDP, featuring cash top-ups for pensioners, low and middle-income families and first home-buyers).
Importantly, with a no-net-debt starting point and Australia’s lenders well regulated and still-very profitable, Canberra’s guarantee of financial system deposits and selected (new and existing) debt securities is absolutely credible.
Australia’s housing sector is widely seen as having the problem of “under building” rather than “over-building, as in the US. In Australia, rapid population growth – driven by immigration of 100-200k every year for the past decade – has collided with a flat two-decade trend in new home starts of only 150k per annum. Canberra has overseen the biggest immigration programme in Australia’s history, without initiating the construction of extra homes (“land release” and “planning” for home-building generally is overseen by State and local governments).
The dismal lack of co-ordination between Canberra and the States on immigration and housing long has been seen as a problem, putting upward pressure on home prices and rents, and reducing “housing affordability”. Now, Australia’s slow-moving housing-supply response suddenly is a good thing, limiting the size of any future home-price falls (see p4 of http://www.rba.gov.au/ChartPack/output_expenditure_activity_fincon.pdf ).
Immigration and home prices
As you know, falling home prices are a major problem in the US, the UK and parts of Europe. The damage done by falling home prices to banks’ balance sheets in these economies – and growing damage to consumer spending – obviously needs to be avoided in Australia. According, while largely unstated, maintaining Australian home prices near current levels now is a major policy priority for the RBA and Canberra.
Aggressive rate cuts obviously help, so too yesterday’s prodding of up-to 150k first-home buyers into action.
In this context, recent reports of growing pressure to reduce our immigration intake are somewhat disturbing.
Recall that, during the early-1990s recession, net immigration collapsed from 170k in 1989 to just 30k in 2003 (lowest four-quarters-ended figure), reinforcing the Australian economy’s tendency to stall.
From a macroeconomic perspective, cutbacks of that order this time around should be avoided like the plague (see Net overseas migration to Australia highest on record: ABS and SMH: Rudd flags cut in migrant numbers )
To recap, all the important policy efforts so far are counter-cyclical in nature: in particular, the RBA’s rate cuts, Canberra’s timely fiscal stimulus, as well as its guaranteeing of aspects of the financial sector, its promotion of mortgage lending and the ban on “short selling” (not to mention the big market-driven drop in the A$).
By contrast, reducing immigration is a pro-cyclical measure, essentially working against the policy initiatives listed above.
RBA policy, lower interest rates, and limiting falls in home pricesThose forecasting big falls in Australian home prices would do well to notice the recent dramatic drop in mortgage rates, with more to come.The correspondingly sharp drops in interest payments relative to household income render much less relevant the elevated debt/income ratios parroted by some.
Comparing stocks with flows typically tells us little worth knowing; comparing interest payments with income (flow/flow) and debt with assets (stock/stock) provides more meaningful information.
With the world economic and financial backdrop having turned so nasty, aggressive RBA easing was/is the most obvious policy response available to support ongoing economic growth.
And in six short weeks, the RBA has demonstrated that its interest-rate tools are far more powerful than those available the Fed, the BOE and most if not all other central banks. Despite much media focus, elevated inter-bank lending rates haven’t stopped big drops in mortgage rates in Australia.
To recap, the story so far:
the RBA has cut its cash rate by 125bp in two steps (25bp followed by 100bp), with more to come
the three-month bank-bill rate (BBSW, a key guide to a chunk of bank-funding costs) has dropped by about 1-1/3pp over the past month, to 6.1%; and
Headline mortgage rates have fallen by 105bp, to about 8-1/2%. Furthermore, three-year fixed mortgage rates have dropped by more than 1pp and now are widely available near 7%. Other important lending rates also are coming down, though not as quickly.
In Australia, the 84% (105bp/125bp) pass-through so far from the cash rate to standard mortgage rates has greatly surprised the consensus, because when I wrote a note in August headlined “First 50bp of cuts to be ‘passed on’”, many/most were sceptical to say the least.
Importantly, the latest funding assistance provided by the RBA to major home lenders may mean that the next cash-rate cut will pass-through to headline mortgage rates in full.
That is, the RBA last Thursday announced the availability of six-month and one-year repos against “related party” collateral in the form of residential mortgage-backed securities (RMBS) and asset-backed commercial paper (ABCP).
On top of that assistance, Canberra’s announcement on Sunday helps with “term funding” for periods of up to five years (see Expansion Of Domestic Market Facilities and Guarantee of Wholesale Funding and Deposits ).
Critically, recent 1pp-plus drops in cash, BBSW and mortgage rates are gold for Australian home-buyers, providing major cash flow support to the household sector and home prices, something the Fed can only dream about.
That is, despite the funds rate being cut from 5.25% to 1.5%, the rate on (predominant) US 30-year fixed-rate mortgages has dropped by only around 50bp, to 6% or so, when credit is available.
IMPORTANT: AIR reports about financial markets and investment products in the widest sense possible. The AIR website and all its contents is prepared for general information only, and as such, the specific needs, investment objectives or financial situation of any particular user have not been taken into consideration. Individuals should therefore talk with their financial planner or advisor before making any investment decisions.
About the Author
Australasian Investment Review (AIR) is a free daily news service covering global financial markets with a focus on Australia, New Zealand and Asia. Each day our team of experienced journalists presents you with a concise digest of expert opinions and analysis on trends and backgrounds that matter in these markets. Subscriptions are free at aireview.com.au
A chat with pressure cooking expert Miss Vicki
We had the chance to chat with pressure cooking expert Vickie Smith, a self-described “white-haired old lady who lives north of Los Angeles, way out in the country.” Easy Hungarian Recipes : Hungarian Pancake Recipes
Increase or decrease recipe yields or portions quickly and accurately with the KitchenCalc Pro Master Chef Edition recipe conversion calculator (model 8305) from Calculated Industries–no more “guesstimating” ingredient quantities. You’ll save time in the kitchen and produce great-tasting meals when entertaining, meal planning, or simply cooking for two. This Master Chef Edition was designed…
Long before Kerrygold was ever heard of – in fact, as far back as written records go – dairying has played a starring role in Ireland. In the old days, Irishmen kept cattle for milk more than for meat, and status was derived from the bounty of your herd.How did cows become the cornerstone of Irish wealth? Simple. Ireland was made for milk. It has everything you need to make a cow happy: good soil,…
From simple pound cakes to elaborately decorated wedding cakes, an introduction to the art of cake making furnishes practical guidelines on kitchen equipment, ingredients, and baking techniques, as well as nearly two hundred recipes for such tempting sweeTitle: The Cake BookAuthor: Boyle, Tish/ Uher, John (PHT)Publisher: John Wiley & Sons IncPublication Date: 2006/05/01Number of Pages: 376Binding …
Discussing the nutritional and health benefits of Mediterranean culinary practices, this delectable cookbook presents two hundred recipes for simple traditional dishes from all over the region, all adapted for the modern American kitchen….
“An everyday cookbook with 150 recipes that feature simple food enhanced with fresh ingredients”–Provided by publisher.Title: Pure Simple CookingAuthor: Henry, Diana/ Lovekin, Jonathan (PHT)Publisher: Random House IncPublication Date: 2009/04/01Number of Pages: 192Binding Type: PAPERBACKLibrary of Congress: 2008035099…
What is the proper way to use a fork when cutting and eating meat?
Don’t laugh. This is a serious question.
I believe that it is polite/proper etiquette to use my left hand to hold the fork, and my right hand to cut the meat. After cutting, instead of transferring the fork to my right hand, and eating, i simply use my left hand to guide the food to my mouth.
I guess my way is sometimes referred to as the “European” way?
My wife says that this is rude and not proper etiquette.
Is she right?
Please listen to me.
I actually do know what I’m talking about. You do eat using the European or Continental way. It is not rude if you were brought up using the Continental way. It IS rude if you are trying to be pretentious and thumbing your nose at the American way (which is to transfer the fork), but I don’t think you mean to be pretentious.
Let your wife understand that both ways are acceptable and simply reflect the person’s upbringing or culture.
If you are a busy cook, or even slightly mathematically challenged, you’ll love this device. It allows you to scale recipes up or down, easily calculating increases and decreases in portions. If you have a European cookbook or two, it cuts through all that metric confusion – coverting weights and measures quickly in fractions or decimals. Enter and convert between teaspoons, tablespoons, fluid oun…
With the basic information in this video, you’ll be able to purchase wine at a store with ease and order wine at a restaurant with confidence. You’ll see how wine is made and how to describe the tastes of various wines. Most importantly, you’ll discover the tools that will help you determine your very own wine preferences. In this video you will learn: 1) which wines go with which foods 2) ho…
City Navigator Europe provides highly detailed maps for your Garmin device and boasts 1.5 million points of interest and 8 million kilometers of road coverage throughout the continent, so you can navigate turn by turn to the destination of your choice. Coverage includes Western Europe and metropolitan areas in Eastern Europe. City Navigator brings you the most detailed street maps available so you…
Photo Puzzle, Luncheon atop the Pyramid of Gizeh, 1800s. British tourists having Christmas lunch on the Great Pyramid, 1870s. Hand-colored woodcut of a 19th-century illustration. Chosen by North Wind Picture Archives. 10×14 Photo Puzzle with 252 pieces. Packed in black cardboard box of dimensions 5 5/8 x 7 5/8 x 1 1/5. Puzzle image 5×7 affixed to box top. Puzzle pieces printed on RA4 paper at 300 …
Desert Hot Springs Business Attorneyâ??s Top Ten Sarah Palin Excuses for Failing in Business
Here is Desert Hot Springs Business Attorney Sebastian Gibson’s Top Ten:
1. Partner falls asleep a lot.
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2. Not mavericky enough.
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3. No one in Alaska has any money now that the price of oil is down.
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4. Turkey gaffe ruined reputation for intelligence.
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5. Katie Couric.
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6. That old gag by the disc jockeys pretending to be the President of France.
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7. Joe the Plumber couldn’t get the business unplugged.
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8. Too bright for the masses to understand.
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9. The liberal media has it in for your business.
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Now here is everything (well, almost everything) you need in business about personal injury, car accidents, brain damage, wrongful deaths, business, real estate, landlord-tenant, homeowners association law, construction, patents, trademarks, corporations, entertainment law, advertising, copyrights, food and wine, hotel and restaurant law, and litigation without making any serious legal missteps. Â
If you need to know more about business, environmental, international law, election and campaign law, consumer law, class actions, constitutional, internet, publicity and privacy rights, publishing, advertising, media, employment law, estate planning, wills, trusts, water law, agricultural, insurance law, bad faith, psychologist and psychotherapist defense, education law or child accidents, you can find valuable information by searching for those subjects and adding the words Desert Hot Springs business lawyer or Desert Hot Springs business attorney to your search terms and looking for other articles by Sebastian Gibson.
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You can also learn more about any of these business areas of law and how we can assist you as Desert Hot Springs attorneys, or as lawyers in any city, by calling the Law Offices of R. Sebastian Gibson at any of the numbers which can be found on our website at http://www.SebastianGibsonLaw.com  .
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1. Personal Injury, Car Accidents, Drowning Accidents, Brain Damage, Catastrophic Injuries and Wrongful Deaths in Desert Hot Springs – If you’ve had a Desert Hot Springs auto, motorcycle, truck, pedestrian, bicycle, bus, train, airplane or car accident of any kind, get the other driver’s information, take camera or cell phone pictures, call the police, get a report, seek medical treatment immediately, call us or another good Desert Hot Springs personal injury lawyer, follow up with more medical treatment if you are still hurt, report the accident to your insurance agent, file a report with the DMV and don’t talk to anyone else or give a recorded statement until you talk with us. If you’ve lost a loved on in an accident, call us or another good Desert Hot Springs personal injury lawyer immediately. If you’ve been bitten by a dog, get treatment, call animal control and then call us. If you or someone you know has come close to drowning, seek medical treatment immediately as death or serious injury can still occur hours later.
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2. Desert Hot Springs Business – Put everything in writing and preferably with our help or the help of another good Desert Hot Springs business lawyer. Spend money only as you need to. A Desert Hot Springs business attorney can tell you where to save costs and how to do it without risking liability. Limit your promises to employees and to customers. Buy insurance. Protect your intellectual property at the outset. Don’t disclose your inventions or any trade secrets to anyone without a non-disclosure agreement. Incorporate as soon as you are profitable. Get legal advice for problems or indications of pending lawsuits immediately. Keep all costs, including labor costs, to the bare minimum. Always use confidentiality agreements when disclosing valuable information and be careful what information you agree to receive. Tell customers they must pay in advance or on delivery. Do not agree to bill and be paid at a date after delivery. Otherwise you won’t be paid on a percentage of your products. Be wary of the potential for fraud by customers, business partners and employees.
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3. Residential and Commercial Real Estate, Landlord Tenant Law, Mortgage Law and Homeowners Association Law in Desert Hot Springs – Use a Desert Hot Springs real estate lawyer who is also a Realtor, or a Realtor who is also a Desert Hot Springs real estate attorney. Don’t buy or lease more than you need. Choose the right location. Choose the right mortgage. Don’t refinance if you think you may need to walk away from a home. Don’t buy more than you can afford. Check out the neighborhood carefully. Get a home inspection and a home warranty. Have a Desert Hot Springs real estate lawyer look over the documents. Homeowner Associations are facing a host of problems stemming from the number of foreclosures. As fees are reduced by vacant homes and condos, projects must be trimmed back or delayed in order to save money. Some homeowner associations, who were already in trouble, may face additional problems in the future and both homeowners and their associations should consult with legal counsel to help resolve how to deal with such issues.
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4. Construction in Desert Hot Springs – With the construction industry in it’s biggest ever slump, down more than 90% from its peak in many areas, Desert Hot Springs contractors need to shift their focus to energy free homes, apartment construction and to take advantage of contracts likely to be offered for bid under the new administration’s plan to create new jobs rebuilding the country’s infrastructure, construction of roads, bridges, the electrical grid and other utility projects. If you are dealing with contractors yourself, always use licensed contractors and have a Desert Hot Springs construction lawyer look over your contracts. You can also investigate the contractor online to ensure he is licensed and insured and a Desert Hot Springs construction attorney can do an additional investigation at little extra cost. Never pay a contractor the entire sum for a project at the start. Put all agreements in writing, including any changes.
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5. Desert Hot Springs Patents and Biotechnology – A patent should be applied for, for any new, and non-obvious process, or invention and to any new improvement of an invention at first opportunity. A patent is good for 20 years. Depending upon the complexity, most utility patent applications will cost between $8,000 and $12,000.00. A design patent can be applied for by a Desert Hot Springs patent attorney, for the look of an item and is good for 14 years. A provisional patent can be applied for, good for one year at a cost of half of the usual utility patent cost but is only good for one year. If the inventor does not upgrade the provisional patent into a utility patent application within that period, usually for the cost of the remainder of the corresponding cost of a utility patent, the inventor loses his or her protection. A patent is pending once it has been applied for, and can be licensed, or sold outright. Without a patent, others can make and sell your invention with no compensation to you. Patent searches help the Desert Hot Springs patent lawyer write an application around existing patents and cost an additional sum, usually under $1,000.00. Drawings must also be prepared for the patent application usually for under $500.00. A design patent can be sought for between $1,000 to $1,500 and a European design patent for between $2,000 to $2,500. Accelerated patent applications usually cost an additional 50% of normal patent applications. Foreign patent applications also require additional fees.
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6. Desert Hot Springs Trademarks – Trademark any original logos, designs, words, phrases, symbols or combinations that you use to identify your products or services as soon as possible. Call a Desert Hot Springs trademark attorney as soon as anyone else’s trademark or service mark is so similar as to cause a likelihood of confusion in the public or if you receive a cease and desist letter from someone else accusing you of infringement. Trademark applications range from between $2,500 if there has not yet been any use of the trademark to $1,500 to apply for a trademark already in use. Therefore, to save money, create some products and advertising materials and apply for the trademark once they are ready to be sold and advertised.
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7. Desert Hot Springs Corporations – Never incorporate by yourself. Corporations will not protect you from liability if you do not follow corporate formalities correctly. Protect your intellectual property from the start with the help of a Desert Hot Springs corporations attorney. Don’t borrow someone else’s employee handbook or fire problematic employees without legal advice. Don’t get investors without seeing one of our Desert Hot Springs corporate attorneys. Cut costs to the bone. Use extra money to advertise, and sell in new markets. A Desert Hot Springs corporations lawyer can provide you with advice as to which type of corporation or LLC to use for your business.
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8. Entertainment Law, Sports Law, Marketing, Advertising, Media and Copyrights in Desert Hot Springs – Whether you are a musician, an actor, a model, a writer, an athlete, a broadcaster or connected in any other way to the entertainment industry, contact us or another good Desert Hot Springs entertainment attorney as soon as anyone gives you a contract to sign. Signing a bad contract can end your career before it’s ever begun. As soon as you have written any body of work, have it copyrighted. You can do this quite easily yourself, but if you need assistance or if someone else infringes your copyrighted work, you can then file suit against such a party.
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9. Desert Hot Springs Litigation – At the first sign that someone may sue you or your business, consult with a Desert Hot Springs litigation attorney. Many times, a lawsuit can be forestalled before it has been filed or the matter resolved with letters between the litigation attorneys. If you are served with a lawsuit, hire a Desert Hot Springs litigation lawyer like one from our firm who specializes in mediations and non-binding arbitrations so your litigation can be resolved at the soonest possible opportunity and limit your exposure to years of lawyer’s fees and costs as your case winds slowly through the courts.
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10. Food and Wine Law, Hotel and Restaurant Law in Desert Hot Springs – Today, hotels, restaurants, nightclubs, bars and grocery stores face an ever increasing host of new regulations they never faced previously. From the usual licensing problems they face with the Department of Alcoholic Beverage Control for adherence to and violations of ABC rules, to new state regulations involving menus and calorie counts in fast food restaurants and new rules requiring groceries to show the country of origin in labels on most of their produce and meat. The worst case scenario today for an establishment serving alcohol, is to serve a minor alcohol who later dies in an auto accident. Such an establishment will need legal representation by a Desert Hot Springs food, alcohol and restaurant lawyer before the ABC as well as legal defense of civil lawsuits filed against it.
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If you have a legal matter in Desert Hot Springs, Palm Springs, Palm Desert, Indian Wells, Rancho Mirage, Indio, La Quinta, Coachella, Twentynine Palms, Thermal, Cathedral City, Joshua Tree, Yucca Valley or anywhere in the Coachella Valley, our Desert Hot Springs law firm has the knowledge and resources to be your Desert Hot Springs Lawyers and your Desert Hot Springs Attorneys. Be sure to hire a Coachella Valley law firm with experience in Personal Injury, Car Accidents, Drownings, Brain Damage, Catastrophic Injuries, Wrongful Death, Business, Real Estate and Landlord Tenant Law, Homeowner Association Law, Construction, Trademarks, Patents, Corporations, Entertainment, Sports Law, Marketing, Advertising, Media, and Copyright Law, and who will endeavor to ensure that your rights are properly represented.
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Additionally, if you have a legal matter which involves Environmental and Toxic Tort Law, Litigation, International, Shipping and Maritime Law, Employment, Election and Campaign Finance Law, Consumer Law and Class Actions, Constitutional, Publishing, Publicity, Privacy Rights, Internet Law, Advertising and Media Law, Food and Wine Law, Hotel and Restaurant Law, Estate Planning, Wills and Trusts, Water, Agricultural and Natural Resource Law, Insurance Law, Bad Faith and Psychiatrist and Psychotherapist Defense, Education Law or a Child Accident in Desert Hot Springs or anywhere in Southern California, call the Law Offices of R. Sebastian Gibson, or visit our website at http://www.SebastianGibsonLaw.com  and learn how a Desert Hot Springs attorney from our offices can assist you.
About the Author
The Sebastian Gibson Business Law Firm serves Desert Hot Springs, Palm Springs, Palm Desert, Indian Wells, Rancho Mirage, Indio, La Quinta, Coachella, Twentynine Palms, Thermal, Cathedral City, Joshua Tree, Yucca Valley, the entire Coachella Valley and all of Southern California. We stand ready to assist you with any type of Personal Injury, Car Accidents, Motorcycle Accidents and Truck Accidents, Dog Bites, Drownings, Brain Damage, Catastrophic Injuries, Wrongful Death, Business, Real Estate and Landlord Tenant Law, Homeowner Association Law, Construction, Trademarks, Patents, Corporations, Entertainment, Sports Law, Marketing, Advertising, Media, and Copyright Law matter.
Visit our website at http://www.sebastiangibsonlaw.com if you have a legal matter of any kind. We have the knowledge and resources to represent you as your Desert Hot Springs Business Lawyer and Desert Hot Springs Business Attorney for Environmental and Toxic Tort Law, Litigation, International, Shipping and Maritime Law, Employment, Election and Campaign Finance Law, Consumer Law and Class Actions, Constitutional, Publishing, Publicity, Privacy Rights, Internet Law, Advertising and Media Law, Food and Wine Law, Hotel and Restaurant Law, Estate Planning, Wills and Trusts, Water, Agricultural and Natural Resource Law, Insurance Law, Bad Faith and Psychiatrist and Psychotherapist Defense, Education Law and Child Accidents.
TomTom’s software means ground-breaking new technology for the ultimate driving experience. Switch on and go right out of the box. Just enter the address on the touchscreen or use voice address entry and start driving anywhere in the United States, Canada, or Europe. TomTom guides you door-to-door with turn-by-turn spoken instructions, including street names. Ground-breaking new technology fo…
Amazon.com Product Description — 10/02/08 The GO 920 and it’s sibling, the 920T, are TomTom’s new flagshipportable GPS navigators, replacing the GO 910. The GO 920T comes bundled with TomTom’s RDS-TMC traffic receiver and a one-year subscription to the Clear Channel traffic service, which allows users to receive real-time traffic information. The traffic receiver is sold as a separate accessory f…
Customize Your Diet to Your Own Unique Body ChemistryFor hereditary reasons, your metabolism is unique. Cutting-edge research shows that no single diet works well for everyoneâthe very same foods that keep your best friend slim may keep you overweight and feeling unhealthy and fatigued. Now, William Wolcott, a pioneer in the field of metabolic research, has developed a revolutionary weight-lo…
From Michael Symonâs Live to Cook: Veal Chop Milanese with Arugula Salad This is a very simple dish to make and is also one that works with all sorts of different meats, such as chicken, pork, beef, and most game. It makes a great late lunch or early dinner in the summertime when tomatoes and arugula are bountiful. The thing I love about it is you get some great texture from the s…
Book annotation not available for this title.Title: Breakfast, Lunch, TeaAuthor: Carrarini, RosePublisher: Phaidon Inc LtdPublication Date: 2006/11/15Number of Pages: 186Binding Type: HARDCOVERLibrary of Congress: …
10.45am Markets Update
European stock markets fell this morning, giving up initial gains after credit rating agency Fitch downgraded Portugal’s rating. 5/5. Access to Nutrients Threatened, Natural Medicine
A trip to the market can easily require 6 to 8 plastic produce bags. Our Reusable Mesh Produce Bags eliminate the need for these plastic bags. The 1/8 inch mesh fabric is highly stretchable and allows for easy identification of contents. It allows for excellent air circulation, perfect for pantry storage of large thick skinned produce like onions and potatoes, as well as refrigerator storage of ap…
A supplier to the vast majority of cooking academies, Mercer Cutlery offers the Genesis Collection of kitchen knives to provide professional quality to the home chef. Comfortable, durable, and efficient, Genesis knives feature fully forged, single-piece blades made from high-carbon, no-stain German steel. Their taper-grind edges are polished by hand, and their substantial bolsters provide helpful …
Here come Healthy Legend with the best ceramic non-stick coating from the German Weilburger Greblon. I had replaced all my regular non-stick coating cookwares with the Healthy Legend. This is a 30 cm (12 inches) diameter fry pan with a break resistance glass lid. The ceramic coating is gray in color which is the natural color of the Greblon coating and it is very attractive. The coating protect fo…
Vermont Organics milk organic baby formula is manufactured in Vermont, U.S.A., and contains all the vitamins, minerals, and nutrients required for growth and development; this organic formula is suitable for term infants during the first year. Vermont Organics also contains DHA and ARA, nutrients found naturally in mother’s milk that support infant brain and eye development. Vermont Organics Infan…
Bohyme Gold Collection.. the hair you wish you were born with! This weaving extension hair is available in a wide selection of brilliant colors, is simple to maintain, and can easily be heat styled. Choose from a wide selection of bold, resilient colors! Top salon professionals trust Bohyme’s reputation for quality because Bohyme was THE first 100% Remy human extension hair available on the market…
Bohyme Gold Collection.. the hair you wish you were born with! This weaving extension hair is available in a wide selection of brilliant colors, is simple to maintain, and can easily be heat styled. Choose from a wide selection of bold, resilient colors! Top salon professionals trust Bohyme’s reputation for quality because Bohyme was THE first 100% Remy human extension hair available on the market…
Photo Puzzle, Luncheon atop the Pyramid of Gizeh, 1800s. British tourists having Christmas lunch on the Great Pyramid, 1870s. Hand-colored woodcut of a 19th-century illustration. Chosen by North Wind Picture Archives. 10×14 Photo Puzzle with 252 pieces. Packed in black cardboard box of dimensions 5 5/8 x 7 5/8 x 1 1/5. Puzzle image 5×7 affixed to box top. Puzzle pieces printed on RA4 paper at 300 …
Photo Puzzle, Luncheon atop the Pyramid of Gizeh, 1800s. British tourists having Christmas lunch on the Great Pyramid, 1870s. Hand-colored woodcut of a 19th-century illustration. Chosen by North Wind Picture Archives. 10×14 Photo Puzzle with 252 pieces. Packed in black cardboard box of dimensions 5 5/8 x 7 5/8 x 1 1/5. Puzzle image 5×7 affixed to box top. Puzzle pieces printed on RA4 paper at 300 …
This digital document is an article from Airguide Online, published by Pyramid Media Group, Inc on January 16, 2012. The length of the article is 5050 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.Citation DetailsTitle: Travel Environment Watch – North…
I do not want to see mystery meats (meats identified only as "meat" or "poultry "). ZiwiPeak ADD Do they sell where you live? It's a dog food in Australia, very high quality. (But here in the U.S., it is also comes with a very high price tag, not sure what prices are like there.). 
