How to use cows as collateral to get a loan

Young Victorian farmers may soon be able to borrow a cow from a more established dairy farmer in an effort to assist them to get into the industry. 

 United Dairy farmers of Victoria (UDV) said it was planning to set up a 'cow loan' scheme which would help new farmers get started. Damian Murphy, a dairy farmer from Gippsland and policy councillor with UDV, said buying a farm and cows could be incredibly difficult for people who did not inherit a farm from family.It's easy enough to be in the industry up to a point," he said. "You can be an employee and work your way up to management, but the problem comes when they want to take that step from being a manager to running their own share farm. 

 "When they need to purchase dairy specific assets, that's when it becomes difficult; it's very expensive." Cows as collateral sweeten loan applications;Mr Murphy said the scheme would work by allowing older, more established farmers to offer a cow as collateral for a younger farmer's loan application. 

This is how it works; a farmer offer up a cow and it would actually stay on his farm, and get milked and everything like that, but it would able to used as guarantee on part of a loan. 

The only reason it would leave the farm or be sold to be cashed would be if the young farmer defaulted on their loan. The younger farmer would be able to use the value of the cow as an asset to approach a bank with the backing of a number of older farmers providing collateral.

 Banks give loans about 30 to 50 per cent of the value of a cow, so the young farmer has had to come up with the other 50 per cent in cash. read more http://www.abc.net.au/news/2016-04-18/cows-as-collateral-young-farmers-borrow-a-cow/7334854

Animal fat helps HKScan cut emissions by a third.

Animal fat helps HKScan cut emissions by a third: Meat processor HKScan reduced greenhouse gas emissions by 35% in 2015, and using animal fats for heating was one of several eco-friendly measures used to reduce its carbon footprint.

PET PROTECTOR

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Ticks,fleas and lice can be and indeed a nuisance to pets and a stressor for pet owner. There are several products that are used to get rid of this parasite,these range from soaps, powders, sprays and spot-ons. These products are effective but need to be applied at regular intervals to keep your pets safe and save you time and money. These products have the natural forms for pet owners that dont like chemicals because they want to groom pets naturally,but even these are applied at regular interval. There is a new program that allows a cover of over 4 years of protection and you dont need to do anything after first application. Cool right? its a pet protector program, this protects from ticks,fleas and mosquitoes a The Pet Protector Disc uses advanced technology to emit Magnetic and Scalar waves, creating a protective shield around your pets' body and repelling all external parasites.The Pet Protector Disc is the only product in the world which repels fleas, ticks and mosquitoes for an entire 4-year period. It is 100% chemical-free and safe for pets, including puppies and kittens. Repels fleas, ticks, mosquitoes and all other external parasites including Australian paralysis tick Chemical-free, 100% safe for animals and humans. join the program; http://www.petprotector.org/?ID=68274

3D PRINTING AND VETERINARY MEDICINE.

In PennDesign’s Fabrication Lab, students and faculty use three-dimensional printers to craft geometric forms, architectural models, and other products of the imagination. But in a recent collaboration with the School of Veterinary Medicine, the printers have been put to work making models based very much on reality. After examining a skull deformity afflicting a canine patient named Millie, Evelyn Galban, a neurosurgeon and lecturer in Penn Vet’s Department of Clinical Studies-Philadelphia, thought it would be useful to physically handle a replica of the dog’s skull. “It’s difficult to fully understand the malformation until we have it in our hands,” she says. “That usually doesn’t happen until we’re in surgery.” The expertise of PennDesign’s Stephen Smeltzer and Dennis Pierattini partnered with Galban, along with veterinary neurology residents Jon Wood and Leontine Benedicenti, to produce models that precisely replicate injuries or deformities of pet dogs and cats. These applications have the potential to improve training and patient care at Penn Vet, while stretching the imaginations of PennDesign students and faculty. Pierattini remarked they are very interested in finding more ways that can explore the potential of the equipment and fathom its depths. The veterinarians took CAT scan, then transformed CAT scan files into a format that the 3D printers could recognize.They produced the skull of Millie, composed of gypsum powder bound by acrylic and sealed with a super glue-like substance to make it rigid. These models could help vets like Evelyn Galban plot out and practice surgical procedures in advance of an operation. Full-color models may even allow for testing new approaches that avoid contact with critical blood vessels and other tissues. Read more;

http://www.upenn.edu/spotlights/3d-printing-veterinary-surgeries

DRONES AS FUTURE COURIER NETWORK.

Drones are now been programmed to be the future courier network, with services spanning from mail delivery to food supplies. The Australian mail department are about to test some drones for mail delivery.This service will be very useful in rural areas, areas with inaccessible roads and war torn areas. A consumer trial would use the drones to deliver parcels to 50 locations twice a week in an outer metropolitan location, said Ben Franzi, Australia Post general manager e-commerce platforms and marketplaces. The technology could be especially valuable for rural customers whose homes are far away from their mail boxes. The drones would be operated by delivery drivers who would launch the drone from where they are parked on a road. The delivery drones were developed by Melbourne company ARI Labs. They are fitted out with a high-definition camera, as well as a parachute, alarm and warning lights which can be activated as safety precautions if needed. They also send encrypted data back to a ground station so engineers can safely monitor flight activity in real time. ARI Labs hopes to be able to automate the monitoring in future. Read more: http://www.smh.com.au/technology/innovation/australia-post-tests-drones-for-parcel-delivery-20160415-go77a4.html#ixzz46GNcO000