Farm Bureau Presents ... Your last chance at this guaranteed low price! Zenith Compact Full-Featured Camcorder Zenith VM6300 Our most popular, full-featured video Remarkable CCD pickup device provides recording system weighs about 3 lbs. superior color and resolution, with less including mini-cassette and battery pack. power drain. Automatic exposure provides I accuracy indoors and out, even in extreme Fully featured and easy to use, simply turn low light; down to 10 lux. the power on, drop in a compact cassette and record. Instant review through electronic viewfinder or on any TV. You don't need a separate playback deck like other compact systems. Features include: • Date insert capability • High speed shutter mode • 1 hour recording/playback • TCLTMimage sensing auto-focus system and fast f/l.4, two speed 6: 1 zoom lens and macro capability • VHS HQ with Detail Enhancement and White Clip Circuitry • Includes: VHS-C blank cassette tape, • 4 Head scanning for optimum picture super high capacity battery, shoulder strap, quality cassette adapter, AC power supplylbattery • High resolution viewfinder makes charger, RF converter, AV cable, lens cap compositioning easy, also play back scenes & hood for instant review CALL Farm Bureau Family Saver TODAY F or more information 1-800-356-5806 VOL. 65 NO.2 February 1988 Don't Forget to Save on ... A Publication of the Michigan Farm Bureau miCHIGan'S About the Cover FaRm BeST The stately old Eaton County Court- house stands as a tribute to the scores of local issues which have been debated in counties all across Michigan. MACMA In This Issue Gearing Up for Growth The Community Action SALE Group program is targeted for an infusion of peole power from every county FB in Michigan. With a goal of two new CAGs per county, the program will be the focus of volunteer and staff 8 effort during 1988. Feb. 10th deadline New Outlook! New Orleans Ingham County Young Farmer Gene Graham captured finalist honors in the Delivery week of March 14 AFBF Discussion Meet in New Orleans, Jan. 10. Other na- tional convention activities for the Michigan delegation includ- CALIFORNIA NAVELS 9 ed commodity and leadership conferences, product show. and AFBF policy debate. SAVE $9.90 Is Car Leasing the Answer? A pilot program, offer- ing car and truck leasing options, is attracting the interest of FB with 1/2 box 2/5 bu. 10 members. Leasing and insurance representatives describe the benefits and how-tos of leasing. PECAN HALVES Columns President's Message 4 Grassroots Perspective 20 SAVE $2.92 per lb. Legislative Review 6 Farm Bureau Market Place 23 ..' with 5 lb. purchase of Country Almanac 12 Advertisers' Index 23 large Stewart variety Agrinomic Update 18 Rural Living is Published Monthly: on the first day. by the Michigan Farm Bureau Infor- PREMIUM BACON mation and Public Relations Division. except during July and August when a combined issue is published on July 15. Publication and editorial offices at 7373 West Saginaw Highway, Lansing, Mich. 48917. Post Office Box 30960 (zip 48909); phone 517-323-7000, extension 6585. SAVE $1.66 per lb. Subscriptions: $1.50 per year to members, included in annual dues. $3.00 per year non-members in Michigan, $5.00 per year non-members out of state. Publiclltion No. 345040. Established Jan. 13, 1923 as with 19.90 per case of 12-1Ib. Michigan Farm News, name changed to Michigan Farm News Rural Living Dec. 1. 1981. Third-class postage paid at Lansing, Michigan, and at additional mailing offices. Editorial: Connie Turbin, Editor and Business Manager; Donna Wilber, Contributing Editor; Marcia Ditchie. Associate Editor; Kimberly Marshell, Associate Editor and Production Manager. Officers: Michigan Farm Bureau President. Jack Laurie, Cass City; Vice President, Wayne Wood, Marlette; Administrative Director, Charles Burkett; Treasurer and Chief Financial Officer, Tom Parker; For more information and Secretary, William S. Wilkinson. full listing of products available, Directors: District 1. Marlin Outman. Constantine; District 2, Blaine VanSickle, Marshllll; District 3. Diane Horning, Manchester; District 4. Charleen Thompson, Freeport; District 5, Mark Smuts, Charlotte: contact your county Farm Bureau District 6, Jack Laurie, Cass City; District 7, Larry Snider, Hart; District 8, Lyle LeCronier, Freeland; District 9, Joshua Wunsch, Traverse City; District 10, Margaret Kartes, West Brllnch; District II, Robert Wahmhoff. or call1-BOO-292-26BO, ext. 2305. Baraga. At-large: David Conklin, Corunna; Wayne Wood. Marlette; Richard Leach, Saginaw. Promotion and Education: Jllnis Sanford. Parma. Young Farmers: Ed Cagney, Scotts. 'I .. FEBRUARY 1988. RURAL LIVING 3 President's Message Getting Back to Farm Bureau Basics If you need to answer a question ... air a concern ... or come to grips with an important issue ... the best strategy is to sit down with your friends and neighbors and talk about the situation. This is always true, regardless of your occupation, where you live, or what the issue might be. Discussion and sharing of ideas will always harvest the best solution to a problem. We in Farm Bureau are fortunate that the leaders who came before us had the foresight to build an organizational structure ... the Com- munity Action Group program ... that is tailor-made for this kind of in- teraction. During 1988, Michigan Farm Bureau and the county Farm Bureaus are emphasizing a dynamic campaign to revitalize and invigorate our Community Action Group program. Each county has been challenged to develop two new Community Action Groups in 1988. Special incen- tive and award programs are being developed to help accomplish this objective. Seeds Community Action Groups represent the grassroots of Farm Bureau. They are the basic opportunity members have for getting in- .As a member of the National volved, and sharing ideas and discussion. Dairy Commission which is As we look ahead into this year, it's clear that agriculture is using charged with making recom- new technology, exploring new markets, integrating more into the total mendations about future dairy economy ... and becoming closer to our non-farm neighbors. There are policy, President Laurie joined many crucial issues that farmers will be confronting, such as ground- other commission members in water quality (the February Discussion Topic) ... school finance Washington, D.C., Jan. 4 and 5, to begin review of the reform ... development of export markets ... and funding of agricultural testimony and information research. gathered over the past year. These are the topics that all of us need to discuss and debate with • President Laurie joined other our friends and neighbors ... the people who, with us, have a stake in members of the Michigan the success of our industry. Agriculture and Food Industry And what better way to carry out that discussion than through a Committee at a meeting in Farm Bureau Community Action Group? The group structure allows Lansing, Jan. 7. Laurie farmers to grapple with an issue, share ideas with other Farm Bureau represents the Michigan Farm members across the state, and turn suggestions into policy recommen- Bureau on the committee. dations for their organization. • President Laurie led the delega- Those recommendations can become policies, which in turn can af- tion of over 140 MFB members fect the laws and regulations that have an impact on our industry. and voting delegates to the This is my challenge to you: if you are a member of a Community American Farm Bureau annual Action Group, actively use that group to talk about the issues and sug- meeting in New Orleans, La., gest solutions. If you don't belong to a group, contact your county Farm Jan. 10-14. Bureau and tell them you want to be involved in the fundamental .On Jan. 19, President Laurie grassroots structure of the organization. attended planning meeting for Have a voice in the future of agriculture: participate in a Communi- the 1988 Governor's Con- ty Action Group today! ference on Feb.2,3. President Laurie serves as co-chairperson of the event. • Members of the MFB State Study Committee were joined President Laurie for their first meeting on Jan. 20. Jack Laurie, President • Laurie was welcomed by FB Michigan Farm Bureau members in Kalamazoo County who hosted an open house at their county office on Jan. 25. 4 RURAL LIVING, FEBRUARY 19881 COUN~RYMAX , , , DAIRY RATION ANALYSIS One of the most important components of modern day dairy production! Countrymark, Inc. has long been involved in computer ration balancing. Currently, most Countrymark member cooperatives are prepared to sample your forages and then balance your ration, right on the farm. A current, and current must be stressed, balanced ration can make a major contribu- tion to increasing your year end balance. Several steps must be followed to gain max- imum benefit from your forages. First of all the nutrient content must be known. This information is gained from a complete forage analysis that is conducted by a reliable laboratory. Then this data must be utilized to formulate a balanced ration that will allow your cattle to achieve their genetic potential for milk production. Your nearest Countrymark member or Farm Center,is probably equipped to handle this task for you. They have a highly trained and skilled feed representative. This person has the resources to get you an honest and reliable forage analysis. In addition they are equipped with up-to-date computer hard- ware and software to carefully balance your ration. Finely tuned rations can go a long waystoward saving you money on your feed purchases and maximizing your economic gain from farm produced forages. Call your local Countrymark represen- tative. You might be surprised at the oppor- tunities that are available to you, the dairy producer, through Countrymark. CROP PROFIT BEEF PROFITABILITY ANALYSIS PROJECTION • • D AIRY RATION ANALYSIS H ORSE RATION FORMULATION • • S WINE PROFIT lAYER FORMULATION ANALYSIS ~ ANALYSIS Count On ... Countwm~!K 4565 Columbus Pike • Delaware, OH 43015 @1988. Countrymark. Inc. Legislative Review Refund Application Deadline Extended Washington tions for the 1988 session. This is the midpoint of the two-year legis- The Right-to-Farm law was amended by S. B. 534 and is now lative session and all House bills, P.A. 240 of 1987. The amendment Senate bills, concurrent resolutions, was sponsored by Sen. Nick Smith. Oil Overcharge Refund - regular resolutions, etc. that were The major change in the amended • The nation's farmers have an not considered or action not com- Right-to-Farm Act is the definition additional five months to apply for pleted during the 1987 session will and development of generally ac- an oil overcharge refund. The carryover. cepted agriculture and management Department of Energy has extended Legislation is a continuous proc- practices. Under the amended Right- the deadline until June 30, 1988. ess. New legislation is often amend- to-Farm Act, a farmer has protection Refunds will be made at a rate of ments to old laws even as far back when following generally accepted at least $80 per 100,000 gallons of as the 1800s. Some of the expected agriculture and management practices. fuel used or equivalent amount of oil 1988 issues follow: The law requires those practices based product purchased between be defined by the Commission of Aug. 19, 1973 and Jan. 27, 1981. Income Tax - People were Agriculture with input from MSU, If actual fuel purchase records are • shocked during the holidays to ASCS, SCS, and DNR. not available, DOE will allow esti- read that the Legislature's change in Farmers will be well represented mates of use by figuring gallons used the Michigan tax law in December as the management practices are be- per acre. included a requirement that any ing developed through the Commit- Refund forms are available through child must file state income tax tee for Animal Agriculture. This county FB offices. forms if they earn an annual income committee includes the presidents of of more than $1. This resulted from several livestock and poultry organi- Farm Credit Package - A changing state law to conform with • zations in Michigan. It resulted from package approved by the the new federal tax changes. How- a meeting called by FB in October. House and Senate conferees to ever, Michigan could receive $40 FB President Laurie was elected revitalize the ailing Farm Credit million from taxing children. Sen. chairperson. System received praise from FB. Kelly (Detroit) has introduced legisla- The changes in both the Air Pollu- The package was supported by FB tion to correct this absurdity. FB ob- tion Act and the Right-to-Farm Act as a plan to help the system con- viously supports this action which are a major victory in the effort to tinue to be borrower-controlled, would rescind the new tax re- solve this environmental problem. regain financial viability and offer quirement. Sen. Nick Smith and Rep. Hickner farmers a dependable source of Under the 1987 federal tax rules, are to be commended for their credit. The bill provides up to $4 a child does not need to file a leadership, as is Gov. Blanchard and billion in assistance through the sale federal tax form if the annual in- many members of the Legislature for of government-guaranteed bonds. It come is less than $2,540. However, their support. requires the Farm Credit Administra- children who receive $1 or more in The Extension Service is holding a tion to charter a Financial Assistance interest income from a savings ac- series of 12 regional meetings to Corporation that would create and count, etc., must file a federal return provide information on animal agri- oversee a revolving fund for assisting if their total annual income exceeds culture, including manure manage- ailing system institutions. The pack- $500. ment and other environmental prob- age also established the Federal lems. They are being held through Agricultural Mortgage Corporation Air Pollution Act (lIB the months of January, February. patterned after housing secondary • 5143) - H.B. 5143, which and March. (See Country Almanac, markets. 0 amends this act, is now P.A. 218 of page 12) 1987 and was sponsored by Rep. The daytime meetings will be on Hickner. Lansing As amended, the Air Pollution Act manure management practices and, in some areas, there will be an now states that air pollution is not evening program on rural! urban construed to mean those usual and livestock issues. Each meeting will The second year of the 84th ordinary odors associated with farm include a discussion on the guide- legislative session began with the operations, if the farm is within a lines being developed by MSU. return of the legislators from the zoned agricultural area and the holiday recess on Jan. 13. However. farmer is following generally ac- (continued on page 19) there has been activity with some cepted agricultural and management committees meeting and prepara- practices as defined in the Right-to- Farm law. 6 RURAL LIVING, FEBRUARY 1988 , Taking the Pulse Seminar Dates Set of Agriculture A nationwide "Farm Costs and Returns" survey will be con- ducted in February and March O ld man winter may still have an icy grip on Michigan, but Michigan Farm Bureau's annual series of Lansing Legislative Seminars will certainly warm the relationship between members of the Legis- lature and the people who comprise the state's largest farm organ- ization. by the U.S. Department of Agri- February will kick-off the annual series of seminars, the first phase of culture. The federal/state Michigan FB's major policy implementation process. The regional seminars offer Agricultural Statistics Service in members the opportunity to learn what issues will be on the front Lansing will be conducting the sur- burner in the Legislature's new session. Members will then explain how vey in Michigan and will interview those issues will impact agriculture at a luncheon meeting with their about 540 farm operators out of a state representatives and senators. nationwide sample of 24,000. Probable issues that will be discussed at the seminars include the Interviewers will be collecting data pesticide bill, groundwater quality, budgets for MSU and MDA, farm on farm expenses, finances, capital labor issues and grain insurance. purchases and costs of production "We will be talking about current issues and those that are pertinent for 1987. USDA's Economic Re- to particular regions," said Ron Nelson, MFB legislative counsel. "Addi- search Service will publish the results tional issues will be discussed depending on the area of the state, such of the survey in various reports as wildlife crop damage in the Upper Peninsula and farm labor issues scheduled for release beginning this for the west side of the state. All of the issues discussed will be tied to summer. Farm Bureau policy. "Each seminar will begin in the morning with a briefing on current issues," he said. "We are not there to talk about history, what bills National survey to col- have been passed and signed by the governor. We are there to talk lect data on farm costs about what needs to be done. These are problem-solving meetings." Following the morning briefing session, members will have the op- and returns portunity to visit with their legislators at a luncheon, which has a very specific objective according to Nelson. "Those selected to participate in "Members have an obligation to convey Farm Bureau policy to their this year's survey will represent legislators at lunch. That's the whole purpose of being there." Michigan farmers in the national The schedule of 1988 seminars is Feb. 9-Central and South sample," said Don Fedewa, state Regions; Feb. 10-North, Northeast, Northwest and Upper Peninsula; statistician. "We are asking for their Feb. 16- Thumb; Feb. 17 - Saginaw Valley; Feb. 25-Southwest; time and cooperation so that the and Mar. 9- West and West Central. Members wishing to attend their survey can present an accurate pic- regional seminar should contact their county FB secretary for reserva- ture of the health of Michigan's agri- tions. All seminars will be held at the YWCA in Lansing. cultural economy." Included in this issue of Rural Living is the second installment of The conventional measurement for state policies that were adopted by voting delegates at the MFB annual determining the relative health of meeting last December. Copies of the official policy book, which con- agriculture is the debt/asset ratio. tains all of the policy resolutions pertaining to MFB and state issues, Last year's survey showed that 36% can be obtained by completing the coupon below and mailing it to the ~ of the state's farms had no debt, MFB Public Affairs Division. 41 % had moderate debt, and 23% had high to excessive debt. The Michigan Farm Bureau's complete 1988 policies are available in survey also showed an 11 % decline booklet form. Copies of the AFBF policy book will be available in a in total farm income. Operating ex- few weeks. Use the form below to request copies. penses during the same period declined 19%. Please send me the following: "It is important that we receive o 1988 MFB Policy Book o 1988 AFBF Policy Book cooperation from all farm operators in the sample," Fedewa continued. Name "A probability survey of this type re- quires that each sampling unit be ac- Address counted for with no allowance for substitution. The farm economy is Zip still recovering and it's important that we continue to monitor its progress." Mail to: Public Affairs Division, Michigan Farm Bureau P.O. Box 30960, Lansing, Mich. 48909 04 FEBRUARY 1988, RURAL LIVING 7 Gearing Up for Growth T he year 1987 marked the golden anniversary of MFB's most basic Farm Bureau unit - the Community Action Group. Celebrations ranged from special placing the CAG Committee and the Local Affairs Committee with a coun- ty Community Activities Committee. The new committee is to have ex- panded responsibility to assist county recognition for CAGs established in FB boards of directors in identifying 1937, to the July Summerfest cele- local issues and utilizing Community bration at FB Center in Lansing, to Action Groups for carrying out the CAG recognition events at the MFB action on these issues. The commit- annual meeting in December. tee will also develop an annual coun- Looking back on what was best ty plan for establishing new Com- about the Community Action Group munity Action Groups. program, the golden anniversary year prompted a renewed emphasis Focusing on the Priority on the grassroots principles that es- "FB members will note that Com- tablished the original FB community munity Action Group/Community groups. At 'the cornerstone of the Activities programs are getting lots of 1988 promotion is the concept of attention as we focus our organiza- "neighborhood Farm Bureaus" tion's resources on this priority," said meeti,ng regularly in one another's Becky. The first event takes place homes to identify and solve local during the late January Presidents' problems. Conference at Mt. Pleasant. "The "CAG members, Farm Bureau president of every county FB that staff and county Farm Bureau has achieved the goal of establishing Manager for MFB's leaders throughout the state will be a part of this 'back to basics' effort," a county Community Activities Com- mittee and setting up two new Com- new Community said Rebecca Jeppesen, manager of the new Community Activities De- munity Action Groups will be pre- sented with a specially designed Activities Depart- partment that will provide support and coordination for local activities jacket. The Community Activities Committee chairperson will also ment Rebecca involving CAGs. "We're giving the receive a jacket." entire program a kick-off by desig- In addition, the President's Con- Jeppesen describes nating February as Community Ac- ference marks the first of 25 weekly tion Group month. There will be drawings that will identify finalists in the goals and in- special county incentives which we the 1988 Summer Event grand prize hope will build enthusiasm for our drawing on July 20. Who's eligible? centives for ex- overall goal of establishing two new Any member of a Community Action CAGs in every county FB." Group established since Sept. 1, panding FB's com- .... munity actIvItIes. The specific direction to establish this new Community Activities pro- 1987 through July 10, 1988; in ad- dition to the county president and gram was approved by delegates to Community Activities Committee the 1986 MFB annual meeting. The chairperson in any county which delegates, many of them active in starts two new Community Action CAGs, recommended that the county Groups (Sept. 1, 1987-July 10, Farm Bureaus support structure for 1988) . the CAGs to be strengthened by re- All finalists will receive a prize at the Summer Event, but the grand prize winner will receive a travel package for two valued at $1,500.0 8 RURAL LIVING, FEBRUARY 1988 New Outlook! New Orleans! T he Michigan-Ohio membership challenge is going strong in 1988 as the two FB presidents, Jack Laurie of Michigan and James Patterson of Ohio, will testify. The men exchanged boasts and challenges on behalf of their members at the annual Michigan-Ohio Breakfast, Jan. 11 in New Orleans. The Buckeyes, who bested MFB in the 1987 membership campaign, demanded unconditional surrender from those who attended the breakfast. The response from Spartan Country was yet another challenge by proc- lamation, but with a tasty reward! MEMBERSHIP PROCLAMATION Michigan's Discussion Meet contestant WHEREAS a competitive environment exists between the Great State of Gene Graham of Ingham County (right) Michigan and the State of Ohio; skillfully participated in four rounds of WHEREAS this competition extends from the football gridiron to the halls of discussion topics during the gruelling Farm Bureau; national meet in New Orleans, Jan. 10. Winner of the nationlll contest, John WHEREAS 1987 brought a Big Ten Championship and a Rose Bowl vic- Ackerman of lIIinois, is pictured on the tory to the campus of Michigan State University, while the closest Ohio left. State came to the Rose Bowl was hiring a coach who went to the Rose Bowl last year; WHEREAS Ohio Farm Bureau recorded a slight edge over the Michigan Farm Bureau in upholding their challenge in the 1987 membership proc- lamation to record the largest numerical gain; WHEREAS 1988 rings in a new beginning for Michigan Farm Bureau and M ichigan's delegation to the AFBF annual meeting num- bered 155 with represen- tatives from 33 county FBs. Al- though other states in the FB federa- the Ohio State football team; tion may have had larger representa- THEREFORE, be it resolved that the Michigan Farm Bureau and the Ohio tion, the number meant a lot to Farm Bureau Federation challenge each other to have the largest percent- Young Farmer Discussion Meet con- age of quota by the end of the 1988 membership year; the loser to provide testant Gene Graham of Ingham a tailgate feast at the clash of MSU Spartans and the OSU Buckeyes. In ad- County. dition, the attending members of the losing team promise to don the colors Gene entered the AFBF Discussion of the winning team during the day's festivities. Meet preliminary round on Jan. 10 and by knowledgeably participating in the discussion of four different discussion topics earned finalist honors in the contest. At each level of the national meet, Gene had great support from the Michigan delegation with every available MFB member present in the audience to give Gene a vote of con- fidence. In the finals, contestant John Ackerman of Illinois was awarded the winning points to capture the title bid from Gene, Stephen Worley of Ten- nessee, and Kraig Rowe of Kansas. Three young farmers and ranchers were winners of the AFBF Dis- tinguished Young Farmer award: Douglas Nagel of Indiana, Dean Compart of Minnesota, and James (continued on page 22) ~l FEBRUARY 1988, RURAL LIVING 9 Is Car Leasing the Answer? By Kimberly Marshell a loan for four or five years because "The rates are the same, the that is the only way they can afford coverages are the same, and the D epreciation. Capital invest- the monthly payments. After the procedure is the same," said Gary ment. Trade-in time. Bank loan is paid off, things start going Pingel, CPCU, manager of Auto roan. Should I lease or buy wrong with the car. So you are Underwriting for FBIG. my next car? stuck with a depreciating asset, that's "Insuring a leased car is just as Tough question and serious con- getting you absolutely nowhere. If easy as insuring a car you own siderations. Since more and more you lease, you payout less money yourself. Any Farm Bureau Insurance people are deciding to choose leas- for the same time period and you agent can provide the insurance ing, Michigan Farm Bureau Member- can lease a brand new car at the coverage you need for your leased ship Services has announced that end of your contract as opposed to car ." members will be able to lease a car trying to trade-in or sell your own As a leased car driver, you can from the Leasing Service company car. " also take advantage of the money- through county FB offices. saving auto insurance discounts that "We try to keep adding services Members' Interest High FB Mutual makes available to quali- and programs that meet the most fied drivers. current needs of our members," said While at the product show, Cur- Doug Fleming, manager MFB Mem- curu was able to talk with many ber Services. "Last year we intro- members and was pleased with the duced the Farm Bureau VISA@ level of interest exhibited. credit card and Farm Bureau Travel. "I was surprised at the number of Both programs took right off and are people who already knew about doing very well. I expect the Leasing leasing. I didn't realize that many Service to also be a success." farmers lease their equipment. It's very refreshing to talk to somebody Representatives Answer who already has some knowledge of Questions how leasing works," said Curcuru. "The people I talked to during the At the product show held during product show were interested in the recent MFB annual meeting, leasing because they have already F arm Bureau Leasing Service had some experience in leasing farm representatives were on hand to equipment - so they aren't as answer member's questions about leary. They are also interested in car leasing. leasing because they can't afford to purchase a new car and make the FB Leasing Service represen- "One of the advantages of car tatives noted that many FB leasing is that payments are going to monthly loan payments. I think many people feel that buying is not members were familiar with be cheaper than buying and you leasing options because of don't have to come up with a down- necessarily the best option. "Leasing is the wave of the future. previous experiences with farm payment. We require a deposit, equipment leasing. which is refundable, but you don't People are being smart about it and have to come up with a large lump are taking the time to explore all of "That means that leased car sum of money," said Mary Anne the possible options in personal drivers, like any drivers we insure, Curcuru, FB Leasing Service rep- transportation. " could qualify for our safe driver dis- resentative. count or seat belt wearer's discount" Depreciation of the car's value is What About Insurance? Pingel said. "In fact, we recently , another major consideration. With reduced the minimum age to receive leasing, depreciation is not the Leasing Services does not include a safe driver credit from 25 to 20. leasee's problem. insurance in their contract. But, ac- At the same time, we also reduced "At the end of the lease you are cording to a Farm Bureau Insurance rates for drivers in the 45-64 age not obligated. You can turn it (the Group spokesperson, insurance category, a group that deserves to car) back in, or if you're in love with coverage for a leased car is no dif- be rewarded for its overall better the car, you can buy it from us," ferent than insuring a personally driving record. said Curcuru. "Most people take out owned car. (continued on page 22) 10 RURAL LIVING, FEBRUARY 1988 - .. • .,. • As sure as you're on your own, you're not alone ... ,. Working for yourself, you can't afford unscheduled time off for a major illness. Regular health care is vital. That's where we can help, with the health care insurance you need at the down-to-earth membership rates you can afford. As a Farm Bureau member, you can choose from three traditional Blue Cross Blue Shield Comprehensive Major Medical plans, starting as low as $42.10 a month; and one HMO plan' for as little as 594.13 a month. Each plan offers you Blue Cross Blue Shield comprehensive major medical insurance at down-to-earth membership rates. The main difference is: as the deductible goes up, the premium goes down. But, whichever plan you choose, you'll be able to afford the regular health care you need to stay viable. For your nearest Farm Bureau office FaRmi1 caJl 1 (800) 292-2680 extension 3239/3240 BUreaU •available in most counties BECAUSE YOU CAN'T CALL IN SICK Country Almanac February Feb. 1-29 Community Action Group Month. Feb. 15 CES Animal Waste Management Feb. 2-3 Governor's Conference on the regional meeting - Rural/Urban Future of Michigan Agriculture, Livestock Issues, 7-9 p.m., B.E. Clarion Hotel & Convention Henry Building, Marshall. Center, Lansing. Feb. 16 Cabinet Meeting for West and West Feb. 4 Market Master Series I, Farm Central Regions, Amway Grand Bureau Center, Lansing. Plaza, Grand Rapids. Feb. 4-6 Michigan Pork Congress, Lansing Lansing Legislative Seminar for Center, Lansing. Thumb Region, YWCA, Lansing. Feb. 9 Lansing Legislative Seminar for Feb. 17 Lansing Legislative Seminar for Central and South Regions, Saginaw Valley Region, YWCA, YWCA, Lansing. Lansing. Feb. 10 Lansing Legislative Seminar for Cabinet Meeting for Central and North, Northeast, Northwest and Southeast Regions, Holiday Inn, Upper Peninsula Regions, YWCA, Howell. Lansing. Feb. 18 Market Master Series I, Farm Feb. 11 CES Animal Waste Management Bureau Center, Lansing. regional meeting - Manure Man- Feb. 25 Cabinet Meeting for Saginaw Valley agement Practices for Producers, and Thumb Regions, Bavarian Inn, 9:45-3 p.m., Kent Intermediate Frankenmuth. School District Office, 2650 E. Lansing Legislative Seminar for Beltline, M-37, Grand Rapids. Southwest Region, YWCA, CES Animal Waste Management Lansing. regional meeting - Rural/Urban CES Animal Waste Management Livestock Issues, 7-9 p.m., Kent In- regional meeting - Manure Man- termediate School District Office, agement Practices for Producers, 2650 E. Beltline, M-37, Grand 9:45-3 p.m., Van Buren Skills Ctr., Rapids. 250 South Street, Lawrence. Market Master Series I, Farm CES Animal Waste Management Bureau Center, Lansing. regional meeting - Rural/Urban Feb. 12 CES Animal Waste Management Livestock Issues, 7-9 p.m., HoIland regional meeting - Manure Man- Christian High School, Holland. agement Practices for Producers, 9:45-3 p.m., NBD Bank, Marion. Feb. 15 CES Animal Waste Management regional meeting - Manure Man- agement Practices for Producers, 9:45-3 p.m., B.E. Henry Building, Marshall. 12 RURAL LIVING, FEBRUARY 1988 ~, AN EXCLUSIVE OFFER FOR FARM BUREAU MEMBERS * Free First Year Membership Fee $12.00 annual fee thereafter * Cash Advance 24-hours a day Almost 3000 Automatic Teller Machines in Michigan alone * Credit Card Checks Consolidate your credit cards or use for revolving credit purchases * $100,000 Common Carrier Travel & Accident Insurance * Car Rental Discounts at Avis@ , Hertz@ Corporation, and Na- tional Car Rental@ APPLY NOW FOR YOUR FREE FIRST YEAR VlsA@ MEMBERSHIP You've asked us for a special Farm Bureau credit card - in response, we've put together a truly exciting program. This program is a special offer only available to Farm Bureau members. With this card, you'll have the exclusive opportunity to show your involvement with the Michigan Farm Bureau, and you'll receive the unique features that make this card more than just another line of credit. FaRm~ To apply for your Farm Bureau Money KeyTMVISA@ complete the application the reverse side, then mail in BUreaU the postage paid envelope include in this magazine. MONEYKEX VISA' FaRmr1 TM @ Bureau Money Key VISA Application (Please enter your Farm Bureau Membership No.) Independence One" Bank, N.A., Rapid City, SD About You, The Applicant FIRST NAME STREET ADDRESS CITY INITIAl Please print your name exactly as you wish it to appear on your credit card(s). lAST NAME STATE ZIPCODE +4 Membership SOC. DATE O{ BIRTH, NO. OF DEPENDENTS Number SEC. NO. AREA CODE/PHONE NO. , , - LENGTH AT PRESENT ADDRESS I i UYINGOR OWN ( ) RENT (YRS.) PREVIOUS ADDRESS (MOS.) LIVEWITH RELATIVE CITY 81o ~o. PAYMENT $ INAME AND ADDRESS OF lANDLORD OR MORTGAGE HOLDER STATE ZIPCODE +4 YRS. MOS. PRESENT EMPLOYER STREET ADDRESS CITY STATE ZIPCODE +4 YRS. MOS. POSITION OTHER MO. INCOME ExceptAlimony,ChildSupportorMaintenance(See * Below) AMl. I :0.GROSS INCOME ;REA I ( CODE/PHONE ) NO. $ I SOURCE PREVIOUSLY EMPLOYED BY (OR UNIVERSITY IFRECENT GRADUATE) CITY STATE POSITION (OR DEGREE) HOW LONG (OR YA. GRAD.) NAME AND ADDRESS OF NEAREST RELATIVE NOT LIVINGWITH YOU CITY STATE ZIPCODE +4 I RELATIONSHIP APPLICANTS CITIZENSHIP I NAME AND LOCATION OF YOUR BANK CHECKING ACCl. NO. o USA o OTHER I SAVINGS ACCl. NO. AboutJoint Applicant (if any) FIRST NAME STREET ADDRESS INITIAL lAST NAME CITY SOC. SEC. NO. ZIPCODE +4 , AREA CODE/PHONE NO. RELATIONSHIP TO APP. ( ) PRESENT EMPLOYER STREET ADDRESS CITY STATE ZIPCODE +4 YRS. MOS. POSITION MO. GROSS INCOME AREA CODE/PHONE NO. OTHER MO. INCOME ExceptAlimony,ChildSupportor Maintenance(See * Below) AMl. SOURCE $ ( $ PREVIOUSlY EMPLOYED BY (OR UNIVERSITY IFRECENT GRADUATE) CITY STATE POSITION (OR DEGREE) HOW LONG (OR YA. GRAD.) JOINT APPLICANTS CITIZENSHIP NAME AND LOCATION OF YOUR BANK CHECKING ACCl. NO. o USA OOTHER Pleaselistalldebtspresentlyowing includingalimony,childsupportormaintenancepayments which you areobligatedtomake. Credit References (OPEN &CLOSED) Attachadditionalsheetsifnecessary,and indicateany ofyouraccountslistedunder anothername. " none,pleaseindicate NAME OF CREDITOR OR INDIVIDUAL CITY STATE ACCOUNT NO. MO. PAYMENT BALANCE NUMBER OF OTHER CREDIT CARD APPLICATIONS CURRENTLY PENDING You arenotrequiredtodiscloseincome fromalimony,childsupportormaintenancepayments.However,ifyou arerelyingon income fromalimony, *Additional Information childsupportormaintenanceas a basisforrepaymentofthisobligation, pleasecompletebelow. MONTHLY ALIMONY MONTHLY CHILD SUPPORT MONTHLY MAINTENANCE $ $ $ (II joonlllaXltn. road sir9D pronlU1S in the pUal) When II80BlYe my aedI cad. I agee and undersIand lhaI I am CXlf1IraCIlr.lI iabIe acmrtIng IIIthe appicabIe Money Key VISA aJSlomer agreemenI as ~ may be amended from lime IIIlime, and ~ 1his is a joint appicaIion we agee such iabiIly is joonl and 58\ImII. I undersIand lhaI ~ appovaI 01 my appicaIion, and as a rondIlion 01 rnerOOefship in the Money Key VISA pB1, I may be charged a I'lOlH'lIIlrdab arnJaI merrbersIip fee lor each pIa1 in wnch I am plied merrbersIip. I agee IhaI the merrbersIip IBe may be charged III my lIaXltn. as prtMded lor in the Money Key VISA wstorner ageernen. 'ltlu haw the r9t IIIlake any aclion(s) )00 feel necessaI)' IIIdelenrine the aediIwor1tWless oIlInf party si!Tin!l below. By si!Tin!l below. I ronmn lhaI the inbmaIion given III )00 on ltis appIicaIion is true. IInlersland lID a personal idenliIicaIion rUTber (P.I.N.) wiI be rnaied IIIme ~ seven (7) days after II8CIliYe my cartI. NOTE: BOTH SIGNATURES REOUIRED FOR A JOINT ACCOUNT DATE DRIVER'S LICENSE NO. AND STATE OF ISSUE APPLICANT'S SIGNATURE X DATE DRIVER'S LICENSE NO. AND STATE OF ISSUE JOINT APPLICANT'S SIGNATURE X SIGNATURE(S) OF OTHER PERSON(S) PERMITTED TO USE ACCOUNT X X PLEASE PRINT SIGNATURE RELATIONSHIP X X PlEASE PRINT SIGNATURE RELATIONSHIP BANK USE ONLY APP. NO. IAPP. TYPE V M B Sl S2 , CDS L1A IA RE 1M AC AA DL PP ,BK SRC EMPLOYEE NUMBER: MP VP VE CC EE HD XX NT CR BK LMT AFF ---- CBI CB2 DATE INIT LO, (lAST 6 DIGITS) BANK NO. VISA NO Origin Code 202 Member Developed Policy Guides MFB Programs for 1988 The following is the second installment of the Michigan Farm Bureau state policies adopted by the 485 member delegate body at the organization's annual meeting in Grand Rapids, Dec. 1-4, 1987. SCHOOL FINANCE Many proposals are termediate districts, and community college mend the Partnerships/Education Awards being considered in the Legislature for districts should continue to be voluntary. program, in their effort to encourage reform of school finance. Many of these However, if reorganized, the policy making development of partnerships between the call for substantial reductions in school board should be representative of all local schools and their communities. property taxes with these revenues re- boards of education and/or all areas of EXTENSION SERVICE Michigan State placed by an increase in sales tax or other districts; cooperative programs among K-12 University, with its Cooperative Extension alternative taxes. It is unclear at this time districts to help provide a broader cur- staff throughout the state, continues to pro- whether there is a viable alternative to the riculum; continued local control of schools vide a broad base of educational resources property tax for financing our school sys- in order to meet the particular needs of the to the agricultural, economic and social tem. However, we will work toward a well community; in-service training including system in Michigan. balanced school finance program. We CPR and first aid for teachers and students We believe that every effort should be would like full funding of the transportation be encouraged; local school facilities be made to use successful Extension Service for our students. used to their fullest potential for education methods for education programs for all In all of this debate the primary concern and civic purposes for both youths and people in our society who desire them. has to be local control of schools and im- adults; vocational-technical programs for However, this should not be at the ex- proving the quality of education provided both youths and adults be made available pense of the Agricultural Extension Service to our children. Any proposal to lower and existing educational facilities should be and research programs. In light of these school property taxes should allow limited used whenever possible; school boards, ad- considerations, we recommend: continued property taxes for enrichment to be voted ministrators, teachers, students and parents Extension type programs for urban people by the local community. must work together to set goals and objec- where they are needed under the jurisdic- All state aid formulas must be fully tives to improve student learning and per- tion of the Extension Service with special funded and paid in a timely manner. There formance; evaluation of teacher education appropriations for these programs; Exten- also must be full funding for state man- programs in the colleges; an evaluation sion continue its traditional education role dated programs until termination of this program on personal and professional de- in supplying unbiased factual information, program. Revenues to be used for school velopment for the experienced teacher; full but avoid taking positions pro and con on finance should be earmarked for the state implementation of funding of special edu- public issues; county Farm Bureaus de- School Aid Fund. cation programs for handicapped children; velop and maintain a stronger and closer Reorganization of school districts should programs for gifted children should be en- working relationship with their county continue to be voluntary. A major effort couraged and funded; funding for teacher Cooperative Extension Office; support for should be undertaken to improve the qual- training for teaching children with dyslexia; updating the five-year plan for staffing and ity of education provided by our public new and innovative instructional methods program support developed by the MSU school system. be researched and used after proven to be Agricultural Experiment Station and EDUCATIONAL REFORMS We believe beneficial; educational programs be con- Cooperative Extension Service. that additional reforms should be made in stantly re-evaluated to determine the We strongly support necessary funding our education system. We recommend: priorities and needs of our economy and to restore the operational capability, ex- statewide testing and assessment of student workforce. Education at all levels must pand the economic development programs, progress and total evaluation of education meet the constantly changing needs of and commercial agricultural programs. should be continued. The additional $29 society; computers are becoming a part of We commend the MSU Extension Ser- per pupil state aid should encourage local our everyday life. We encourage all school vice for the very successful EMAT program high school systems to meet the require- districts to institute computer science pro- and the Displaced Farmer Program. We ments of six high school class periods, four grams and to encourage teachers to update also appreciate the extra time and effort years English, three years math, three their knowledge on this subject; agriculture Extension personnel have put in to make years sciences, three years social studies, education, with input from persons ex- these programs work. This has been most one year computer science, two years perienced in agriculture, should be Incor- helpful to farmers during their period of foreign language, vocational education or porated in the school curriculum at all economic stress. We urge continuance of practical arts, one year health, one year levels wherever appropriate, including con- the EMAT financial and job training pro- fine or performing arts, and require sumer education courses; a required course gram and support adequate funding for students to meet minimum academic stan- for school teachers should include the them. We are proud of the financial con- dards for graduation; because of the im- basics of school finance. Students in grades tributions for EMAT from county Farm portance of food production, agricultural 9-12 should be exposed to the basics of Bureaus and Michigan Farm Bureau. science courses should be brought from school and government finance; that more (continued on next page) elective status to qualify as one of the emphasis be placed on family net Income sciences needed for high school gradua- rather than net worth on applications for tion; reorganization of K-12 districts, in- tuition grants and scholarships; we com- 'I( FEBRUARY 1988, RURAL LIVING 15 members, especially pickle growers, about MFB Policy A one week waiting period should be implemented before employees qualify to all aspects of independent contracting. receive unemployment insurance benefits. We encourage the Cooperative Exten- (continued from previous page) We believe that the state of Michigan sion Service to enhance the understanding AGRICULTURE EDUCATION TASK and employees of liable employers should of labor issues at the county level, and in- FORCE The Task Force on the Revitaliza- contribute to the Unemployment Compen- crease the availability of labor specialists for tion of Agriculture Through Research and sation Trust Fund. Indexing provisions that the state. Education was established by the gover- automatically increase maximum benefit AGRICULTURAL LABOR RELA- nor's executive order. Thirty-six people levels should be removed and such benefits TIONS Farm Bureau should devise and representing agriculture and education were be made comparable to surrounding states. carry out a long-range program of informa- appointed to the task force. The task force WAGES Although many farm workers are tion to better inform the public about agri- study includes: an overall plan to revitalize paid above the minimum wage level, it cultural employment and correct wide- agriculture through research and educa- does serve as a floor for raising all wage spread misconceptions about farm labor tional programs; methods to integrate rates. Therefore, we believe there should conditions. agricultural concepts and principles with not be any increases and/or indexing of We uphold the right of farmworkers to research and education in ongoing cur- 'the present federal and state minimum join or not to join a union by their own ricula (Vo Ag, FFA, K-12 curricula, etc.); wage and piecework rates. We do recom- convictions. development of scientific and professional mend, however, the state and federal labor Michigan does not have a labor relations expertise in agricultural research and laws be amended to allow learner permits law for farm workers that establishes the education; attracting and financially to be issued to people 18 years of age and parameters for conducting union represen- assisting, if necessary academically I older when such peoples are involved in tation elections and labor contract negotia- superior students in the agricultural and job retraining efforts and that employers be tions. Farmworkers have begun to use food sciences. allowed to pay less than the state and/or basic contract law as the basis for achieving The purpose is to meet the impending federal minimum wage rate to holders of successful labor agreements. The lack of an crisis of a shortage of qualified students for such permits for a time sufficient enough agricultural labor relations law that would agricultural and natural resource programs for the employee to learn new job skills. establish rules for the game allows farm- and to put America's largest industry, ag- We support changes in the state and/or worker union organizers to do whatever riculture, back into the K-12 classroom and federal law to allow payment of submini- they want (except illegal activities) to revitalize Vo Ag and FFA programs. mum wages to minors and believe that achieve results. This includes consumer We strongly support the task force and Michigan's minimum wage requirements and secondary boycotts of targeted farm look forward to its final recommendations. should not exceed the federal minimum products. We are not opposed to removing At that time the MFB Promotion and Ed- wage requirements. Agriculture should re- the agricultural labor exemption from the ucation Committee should be prepared to main exempt from overtime wage pay- National Labor Relations Act (NLRA) and take a leadership role in the implementa- ments. prefer this action over enactment of a state tion of these task force recommendations Agricultural piecework rates, as a agricultural labor relations act. as set forth by our policy on education method of payment, allow for the many We call for even-handed legislation to reforms. variable situations found in agricultural protect the rights of workers, farmers and WORKERS' COMPENSATION It is employment. Piecework rates are essential consumers against the loss of food crops recognized that workers' compensation in- to provide employment opportunities for during labor disputes. surance is necessary in today's society. family groups, students, retirees, handicap- While we are opposed to a separate Agricultural employers are concerned ped individuals and other seasonal employ- agricultural labor relations board, we about the misuse and abuse in the ad- ees. We oppose any changes in current believe that a separate counsel and staff, ministration and benefits schedule. We law which would restrict the use of cognizant and understanding of the prob- believe that the present premiums should piecework rates for agricultural employ- lems of agriculture, should be designated if not place Michigan employers in a non- ment. the agriculture exemption to the National competitive position with other states. Economic development initiatives are im- Labor Relations Act is stricken. We strongly support legislation to change portant to the future of Michigan agricul- Such legislation should: preserve the workers' compensation laws to clarify the ture. We oppose any attempts to mandate right of secret ballot elections for farm- unusual interpretations that result in the union wage scales in economic develop- workers; prohibit secondary boycotts; in- passing through of workers' compensation ment projects involving agricultural clude workable provision on bargaining liability to a purchaser of goods and/or ser- projects. units; prohibit strikes by workers during vices from private firms or individuals who INDEPENDENT CONTRACTING In- critical periods of growing and harvesting; do not provide workers' compensation in- dependent contracting (share cropping) is provide for immediate injunctive remedies surance coverage for their employees or used extensively by Michigan farmers. It is for illegal acts; guarantee the right of agri- themselves. a special management tool that is par- cultural employers to reduce labor needs UNEMPWYMENT INSURANCE We ticularly useful in crops, such as pickles, through mechanization; and ensure that recommend that unemployment insurance that require special care to grow and such legislation shall not include any re- not be paid to persons on strike, who are harvest. quirement for a successor clause in a labor retired, who refuse to work when work is The practice of independent contracting contract. available, who knowingly and willingly in the processing pickle industry has been In lieu of such legislation, we will con- work in seasonal employment or to school challenged and upheld in two court deci- sider legislation to grant each state the op- personnel during semester and vacation sions, including the U.S. Appeals Court. tion of being covered by the NLRA. breaks. We oppose any effort to terminate or We oppose efforts by purchasers of farm The minimum payroll level that qualifies discourage the use of this management commodities to force farmers to legally an employer to pay federal and state tool. recognize and negotiate with specific labor unemployment taxes should be increased Because this practice has come under organizations. We oppose purchasers of to a minimum of $30,000 per quarter. severe attack by the U.S. Department of farm commodities enticing farm workers to Employers should not have to pay Labor and Farm Labor Organizing Com- join unions by paying the union dues for unemployment insurance premiums on mittee, farmers must conduct independent the workers. employees that do not qualify for unem- contracting as prescribed by the federal We strongly oppose church and religious ployment benefits (examples: seniors and court rulings. To accomplish this, Farm organizations in their attempts to force family members). Bureau should emphasize efforts to inform organized labor negotiations between 16 RURAL LIVING, FEBRUARY 1988 ~ farmers and farm workers. We encourage PARENTAL LEAVE LEGISLATION tion to protect governmental transportation all church members to become informed of We oppose the concepts proposed in the agencies from escalating liability claims and involved in how their state and na- parental leave legislation pending in both although some progress has been made on tional church organizations use their Congress and the Michigan Legislature. this issue; the use of private contractors for money, and learn what political positions Elements included in legislation require that snow and ice control and repairs on a bid are taken by their church. We further en- employers grant various weeks of paid and basis for county and local work; increased courage all Farm Bureau members to be unpaid leave in every two-year period, a allocation of highway revenues to counties more forceful in expressing farm family guarantee that workers may return to their and local systems with consideration for in- viewpoints to church policymakers. previous positions with full benefits and creased snow removal funds; an awareness MICHIGAN MIGRANT LEGAL SER- seniority, and leaves would have to be program concerning the present method of VICES We call for investigation and ex- granted to males as well as females. financing county and local roads including posure of federally funded migrant action Farmers and small businesses cannot afford the authority to transfer up to 30% of programs whose primary purpose is to col- to hold jobs open for absent employees. funds between primary and secondary lectivize and control the migrant farm labor This legislation may result in discrimination systems; a legislative change that would force, and we call to account the federally against women of child-bearing age. We allow county Road Commissions to transfer funded legal services programs that serve oppose parental leave legislation. over 30% of primary road funds to local this objective. mGHW A YS Highway repair programs road funds; requiring consideration of EMPLOYER PROVIDED HOUSING have escalated since the 1982 passage of agricultural drainage needs, including State law does not address the relationship the Transportation Survival Package. How- proper placement and size of culverts, existing between an employer and an ever, it will take years to catch up on total when planning, designing, and maintaining employee living in housing facilities pro- highway needs. roads. vided rent free by the employer. There are The Michigan Infrastructure Coalition We oppose: legislation requiring two no guidelines defining rights, responsibilities Study Report issued in May 1986 estimates license plates instead of one; legislation re- or procedures to be observed when the oc- that in the next 10 years $13.6 billion quiring reflectorization of the entire license cupant is no longer an employee. would be needed to preserve, renovate plate. At present, the provision of the general and repair the total system. This was bro- VEmCLE UCENSING AND UABIL- landlord-tenant law has been extended by ken down to critical needs of $5.2 billion, ITY With the proliferation of new kinds of court decree to encompass employee oc- essential needs $4.9 billion and optional vehicles that may not faU in established cupied housing. This law grants certain needs $3.5 billion. vehicular categories, we urge the Legis- rights to rent paying occupants and Another study, the Coopers and lature to review the registration, licensing outlines the legal eviction procedure that Lybrand Transportation Fiscal Report, and marking regulations applicable to all must be observed by landlords. This pro- estimated that Michigan will require over vehicles and establish appropriate criteria cedure is usually a 3D-day process and can $36 billion to finance its 1983-1994 trans- for each category. Insurance and liability of be even longer in some instances. The portation needs. Revenues for the 12-year vehicle owners should be an important part landlord-tenant law was not intended to period fall short by almost $18 billion, with of any legislation developed. Specifically apply to employee occupied housing. a $8.5 million gap for maintenance and we urge the follOWingbe considered: all We will support legislation or regulation critical needs. vehicles should be registered with the iden- that specifically addresses employee oc- Agriculture, tourism, and industry are tification clearly displayed on the vehicle; cupied housing. We recommend swift evic- dependent on a good road system. The the owner/operator be required to show tion procedures so that employer provided governor's studies on agricultural food proc- proof of insurance prior to receiving the housing can become available for other essing and forest products point out that registration; when damage occurs on employees. the " .. .inadequate weight-bearing capacities farmlands as a result of the operation of a We encourage agricultural employers to of rural roads and bridges are of critical im- vehicle, the identification number be proof destroy abandoned farm labor housing. portance. " of the vehicles involvement and the owner We oppose interpretations of existing MSU studies have shown the phenome- be held liable for those damages. migrant labor housing standards that could nal growth of agricultural production LEGISLATIVE REFORM Michigan is require all housing occupied by migrant throughout the entire state. Many northern one of only six states with a full-time farm workers to be inspected and licensed areas are raising a greater variety. of agri- Legislature. The Legislature conducts a by the Department of Public Health, regard- ultural crops with production increasing two legislative session throughout the year. We less of ownership, location and method of or four times during the last few years. support a limited legislative session not to rental payment for such housing. With the numerous railroad abandon- exceed six months. We believe this will The state Construction Grant Program ments, agriculture has become more depen- create a more responsive legislative process was created to assist farmers in rehabilitat- dent on county and local roads for the and ensure the legislators more time to be ing farm labor housing. Participation by delivery of food and fiber to market and in their districts with their constituents. farmers in the program is overwhelming for production inputs coming to the farm. The pay scale of elected officials should and the quality of labor housing is improv- We support: user taxes when new be commensurate with their duties and ing; However, the amount appropriated is revenue is needed for road and bridge pur- responsibilities of office. far short of that needed to effectively stop poses. Such taxes must be in line with the overall declining condition of farm labor maintenance costs. We must not revert to housing. We urge the governor and the the property tax or special assessments as Legislature to continue appropriating funds a means of building and maintaining state to the state Construction Grant Program roads and bridges; increased fees (driver's Rural Living will and thereby ensure that skilled farm workers license, registration, etc.) to at least meet remain in Michigan agriculture. the costs of administration; a Transporta- publish the remain- MI-OSHA FIELD SANITATION The tion Economical Development Fund for U.S. Department of Labor has issued rural road improvement projects with ing state policies in federal OSHA field sanitation standards. recognition for the needs of agriculture and We oppose MI-OSHA's proposed field forestry; an all season network of county subsequent issues. sanitation standards which are more restric- roads to permit the same truck weights tive than the present federal standards. allowed on state roads. This is especially More stringent state regulations would important to the agricultural and forestry put Michigan producers at a competitive economy and rural development; legisla- disadvantage with other states. " FEBRUARY 1988, RURAL LIVING 17 Agrinomic Update Long Term Outlook for Michigan Agriculture Since 1980, the leadership of and farmers' markets. With industry the extent that raw material can be • our state has demonstrated close at hand, farm families have the shipped distances that transcend that they recognize the importance flexibility of earning off-farm income. state boundaries. This has been true of agriculture and the food industry This alternative is not available to in the past and will be true in the to the state's economy. In addition farmers in other parts of the United future. Yet, technologies do change to four Governor's Conferences on States. Not only are markets close at in processing - changes that could Agriculture, actions were taken by hand, but Michigan is favorably favor Michigan. For example, if a the state government to shore up located in the North American smaller scale soybean processing economic development programs in market. Just under half of the total plant than is now the rule would be this area. For many years, Michigan population of the U.S. and Canada developed, such a plant would be State University and Farm Bureau is within 500 miles - a reasonable viable in Michigan. It is believed that leaders, members and staff have one day's drive. technology is here. been directly involved with these Of course, the close interface of For some commodities, increased efforts. agriculture and the non-farm popula- processing facilities are not a han- When the first Governor's Con- tion in Michigan also presents some dicap. This has been the case with ference on Agriculture was held in handicaps - some comparative hogs, turkeys, sheep, and lambs. 1981, the motivation was obvious. disadvantages. The issue over The challenge here is more with Ex- The auto industry, which dominates animal waste is an example of a tension and research to focus on Michigan's economy, was in a severe problem which is more sensitive in production technology and its slump and agriculture had just ex- Michigan than in many other applications. perienced one of the most robust agricultural states. Soybeans, feed grains, turkeys, growth periods in its history. On many products, Michigan hogs and eggs have been identified Agriculture and food moved to agriculture is well under the self- as commodities growing in impor- center stage in Michigan's quest for sufficiency level. Michigan produces tance in Michigan relative to the rest diversification - for jobs, economic 25 % of the beef, 40 % of the of the nation. The relative strength growth, and stability. In spite of the turkeys, 50% of the pork, 70% of of field crops probably reflects the subsequent slumps in the farm sec- the eggs, and hardly any proportion important role of part-time farming tor, the state leadership remains of the broilers consumed in the in the state. committed to agriculture and food state. If all Michigan vegetables were Somewhat separate from the and has increased direct assistance to be consumed within the state, it evaluation of Michigan's comparative to farmers. Programs are now in would meet only three-fourths of the advantage, but crucial to the outlook place to promote agriculture and the population's requirements. In the for Michigan agriculture and the food food industry and develop markets. net, Michigan is near self-sufficiency industry, is the demand outlook to Following the 1981 Governor's levels on milk, sugar, non-citrus the year 2000. Between 1985 and Conference on Agriculture, a com- fruit, and potatoes. Gross shipments the year 2000, the most rapid mittee was given the responsibility to of farm and food products into the growth in U. S. demands is projected screen and identify ideas that emerg- state are much greater than indicated for turkeys, broilers, fish, and orna- ed from the conference deserving by these net self-sufficiency figures mentals. support or further research. This because quantities of these same Moderate growth is projected for committee was composed of staff items produced in Michigan are be- U.S. production of wheat and soy- members of the Michigan Depart- ing shipped out of the state. beans, both in surplus at the present ments of Agriculture and Commerce Practically all of the dry beans and time. This may be a bit surprising, and faculty from the MSU College of soybeans produced in Michigan are but with growing world populations Agriculture and Natural Resources. processed outside of the state. Near- and even a modest increase in buy- One issue studied concerned ly all the meal required by the live- ing power of the less developed na- Michigan's comparative advantages stock and poultry industries must be tions, export markets are projected over other states. Most of Michigan's brought into the state. While being to expand in the 1990s having con- agriculture and food industry is near deficit in livestock production, 60% tracted through much of the 1980s. large metropolitan areas and non- of our feed grain is shipped out of Fruit and vegetables have come farm employment opportunities. It the state - to be fed in other states into their own in American diets in has a big population very close at or exported. recent years in both home and hand that permits extensive direct Economies of scale in processing away-from-home eating. Health fac- marketing through roadside stands may outweigh transportation costs to tors and trends in living styles have 18 RURAL LIVING, FEBRUARY 1988 • contributed to this increase. Con- tinued expansion in per capita con- IMPROVE MARKETING SKILLS; sumption of both fruit and vegetables is expected. ATTEND THE MARKET MASTER PROGRAM The projected growth in feed grain Two Michigan Farm Bureau Market Master Program series dates production is slow because Michigan • are set for February and March and farmers are encouraged to is starting from a base of fairly large take advantage of this opportunity to improve marketing skills. surpluses. The current carryover is The program is designed to improve the profitability of grain and about two-thirds of annual needs. livestock farm operations by helping farm families make sound, in- Prospects appear good that surplus formed marketing decisions, teach new marketing skills, motivate farm stocks will be gone by the mid families to use their new skills to implement their own marketing plans, 1990s, although our capacity to pro- and help farm families develop the financial information their lenders duce surpluses will remain. Even so, require. expanding export markets will call Program dates are: Series I, Feb. 4, 11, 18 at the Lansing FB for a modest increase in production. Center; Series II, Mar. 3, 10, 17 tentatively scheduled for the Cheese remains as a bright spot in Saginaw-Bay City area. You must be able to attend all three dates in the dairy demand outlook, but milk, the series. Each series is limited to 20-25 people-so sign up early to along with beef cows and pork, will ensure your spot. The cost is $50 per person, which includes lunch for likely experience slow growth in the the three sessions and all materials. 1990s. Little or no growth is pro- The program is being conducted by the MFB Commodity Activities jected for eggs and feeder cattle. and Research Division (CARD). For more information, or to register, Egg consumption has been declining contact MFB Commodity Specialist Kevin Kirk at 1-517-323-7000 for many years, but for beef this is a extension 2024. recent phenomenon. Michigan has a lot going for it. After many years of trying to get Legislative Review leadership attention on agriculture (continued from page 6) and food, Michigan has it. Other states wonder how Michigan did it Budgets - Michigan is again Farmland Assessment - and are following its example. • facing budget deficits. Cut- • MSU released a 1987 study Michigan has a broad base of firms, backs have been taken such as a on agricultural land values and institutions, farm leaders and state state employment hiring freeze. A assessments in selected Michigan government agencies involved in three quarters of a percent across counties. The study showed an economic development of Michigan the board cut is also in effect. average 45 % overassessment of agriculture and the food industry. MDA is especially hard hit with farmland in the central and eastern Michigan enterprises that have the more than 20 positions being cut; regions of the state. One county was greatest chances for accelerated total cuts are over $7 million. Over underassessed. The study points out growth have been identified. State $1.5 million of that amount results local revenue losses resulting from leaders know that the competition from shifting revenue from horse the cuts that have occurred in farm- from other states and indeed other racing to the state's general fund. All land assessments. Out of formula nations can be very tough. Michigan MDA programs are affected in- school districts also experienced has barriers that need to be removed cluding food inspections and protec- serious problems. and some industries are not likely to tion, livestock health, plant disease Some of the study recommenda- succeed. But, if the best expertise control, marketing, etc. For exam- tions include adequate funding of can be assembled to analyze de- pie, funding for gypsy moth control county equalization departments to mand prospects and Michigan's com- was cut, then reinstated at $181,000 ensure accurate information; addi- parative advantage, to provide need- of the original $250,000 in order to tional training for local assessors ed assistance in technology, to pro- qualify for federal matching funds. regarding farmland values; continuing vide needed educational programs, This funding is totally inadequate to to require one year sales averages and to facilitate entrepreneurship, address Michigan's severe gypsy where declining land values occur; Michigan can strengthen agriculture moth problem. Due to a federal obtaining accurate land contract sales and the food industry. 0 quarantine in several counties, information; and using computer Michigan timber products (logs, technology in townships. The study Agrinomic Update is prepared firewood, timber, etc.) cannot be further states that reducing property monthly by the MFB Comnwdity shipped out of the state or into tax revenue may force local govern- Activities and Research Depart- Canada unless certified free of the ments to find other revenue sources ment. This month's topic was gypsy moth. The 34-member Gypsy and/ or consider intergovernmental based on the report "Long Term Moth Technical Committee reported contracting to cut costs of service. Outlook for Michigan's Agricul- that funds are needed for an educa- The study notes that declines in ture and the Food Industry," by tion and suppression program since farmland value results in increased Dr. John N. Ferris, professor, it is too late to eliminate the gypsy state liability for financing "in for- Department of Agricultural moth in Michigan. mula" K-12 schools and also impacts Economics, Michigan State "out of formula" districts. 0 University. FEBRUARY 1988, RURAL LIVING 19 Grassroots Perspective February is Community Actio~ Group Month "Getting Together" Renewed Emphasis on Grassroots Involvement County FBs around the state • are getting charged up to The Michigan Farm Bureau and the county Farm Bureaus have achieve the 1987-88 goal of organ- • been built on the grassroots involvement of members. The two izing two new Community Action FB programs where this has been most evident are the Community Ac- Groups in each FB county. The tion Group and the Local Affairs program. following counties have reported Through delegate action the two programs have been combined to newly organized CAGs: form Community Activities Committees. The two-fold purpose of these committees is to surface local issues through Community Action Groups, Alpena - Holcomb Creek, and to create two new Community Action Groups per county. Kountry Kritters The Community Action Group program has long been the strength of Antrim - No Man's Land our FB organization. Through renewed effort to attract more members Gladwin - Willing Workers to involvement at the grassroots level, we can add excitement and more effectiveness to the total Farm Bureau family. Discussion Topic Is My Water Safe to Drink? The question, "How safe is my particles. Also, water moves horizon- • drinking water?" is being asked tally (relatively slowly) through the in nearly every rural household. Be- aquifer toward rivers, streams or cause most rural Americans obtain lakes and provides a continual flow almost all of their water from ground- to those systems. Evaporation occurs water, the question should more ac- from open water and vegetation into In March curately be stated, "How safe is the the atmosphere, thus completing the groundwater from which my well cycle. Ethanol draws its water supply?" Unfortunate- Land Use Practices ly, groundwater is already contam- Production inated in many regions of Michigan Many human activities that involve and the nation. potentially harmful materials (waste The phasing out of lead in disposal, underground fuel storage gasoline has increased interest Water Movement tanks and agriculture) can ultimately in ethanol as an octane (The Hydrologic Cycle) lead to groundwater contamination. enhancer in motor fuels. This Water moves in a cycle starting In some Michigan counties over 20% topic will cover the status of with rain falling onto the land sur- of the rural wells tested show levels the ethanol industry as well as face. Some of this water runs off of nitrates (probably from applied fer- future prospects for growth. directly into streams, some infiltrates tilizer) above the federal drinking the soil for use by plants, and a con- water standard of 10 parts per mil- siderable amount of water moves lion (ppm). through the soil to ultimately reach Nitrates in groundwater often in- the aquifer. This water can carry dicate very porous soil and subsoil dissolved nutrients, minerals and conditions, i. e., the aquifer is vul- organic compounds downward. nerable to contamination from chem- An aquifer is basically a porous icals deposited on the soil surface or material (from a few feet to a few in the soil. Often where high nitrate hundred feet below the surface) levels are found, trace quantities of where water fills the spaces between pesticides are also present. In Iowa, the solid particles. It is possible, where the groundwater has high ni- through the installation of a well, to trate levels, trace quantities of pump water from the spaces between pesticides have also been found in 20 RURAL LIVING, FEBRUARY 1988 .. nearly one-third of the wells tested obtained on the leaching character- restricting on-farm operations can throughout that state. In Michigan, istics of pesticides, the most appro- potentially be forestalled and the very few rural wells have been tested priate pesticide with the minimum of good neighbor spirit can prevail. 0 for the presence of pesticides. In fact, potential impact on the groundwater Michigan is far behind other states can be selected. Discussion Questions such as Wisconsin, Minnesota and It is also particularly important to • How many members of your dis- Iowa, since no comprehensive rural be aware of potential contamination cussion group have had their well groundwater testing program for ni- in and around the home, farm build- water tested? trates or pesticides exists. ings and wells. Accidents can occur. • Are members of your group familiar If pesticides are not properly handled with the procedures for obtaining a Political Realities they can easily move into the well water test? Because groundwater moves slow- groundwater or well system. Thus, • How many of the group obtain soil ly in a horizontal direction, contam- detailed protective procedures need tests regularly and follow the rec- inated materials can and do move to be worked out, implemented, and ommendations for nitrogen use? with the general aquifer flow. As enforced. • Do you believe that more informa- these materials are being detected in tion should be made available to public drinking water supplies and The Payoff farmers and rural residents regard- farm or rural residence wells, citizens Actions taken now to protect rural ing groundwater quality, e.g., a are pressuring local leaders, educa- drinking water supplies will have both monthly column in Rural Living tors and legislators to solve the prob- immediate and long term beneficial magazine? lem. Growing public anxiety has led effects. For us to move from the to legislation both at the state and present practices of gradual deteri- national levels. State level legislation This month's Discussion Topic was oration of groundwater quality to is of particular interest in Michigan. prepared by Jon Bartholic, chairper- proactive protection of groundwater In Nebraska, restrictions have been son of the Resource Development will require increased understanding put on farmers' freedom to decide Department, College of Agriculture and changes in farm practices, oper- farm practices where areas of high and Natural Resources, Michigan ations and attitudes. If successful, nitrates exist. For example, in areas State University. safe drinking water will be assured, of high nitrates, no fall fertilizer ap- dollars can be saved, legislation plication is allowed. Soil and ground- water testing for nitrates is required. Restricted use of fertilizers is imposed and increasing constraints come into play if groundwater nitrate levels continue to increase. In Iowa, legisla- tion was passed last spring that taxed S-YellIl OU. 1-2 'ft. Toft fertilizers and pesticides to raise funds OHfy $1. 95 ell. I-'~ for education, research and increased 3 6lVl $5.75 6 6lVl $10.95 1 monitoring. It is expected that this fund will raise $50-60 million over 9 6lVl $15.95 126lVl $19.95 the next five years. These are just a N6172. Now you can purchase the ever ... .- few cases where legislation is restrict- popular, ever-beautiful Colorado Blue "- Spruce (Picea pungens glauca) at this special ~ . I ing freedom of choice or causing ad- ;' ditional costs at the farm level. What Can An Individual Farmer Do? . .. . low price - only $1.95 each. These versatile Blue Spruce are lovely as single accent planting, as a privacy row or windbreak, and as a colorful corner grouping. Its rich silver-blue foliage makes it a welcome sight all year around. You'll receive , .. .... . -I No one wants to contaminate their I select, nicely branched 5-year-old transplanted trees own drinking water supply or that of their neighbors. Particularly in areas with vulnerable aquifers, actions have to be taken now to ensure safe water that are at least 1 to 2 feet tall. Having been transplanted, the root system is well developed and will help the tree get off to a fast start. Order your Blue Spruce on the convenient coupon below. Send $1.95 for 1, $5.75 for 3, $10.95 for 6, $15.95 for 9, and 12 for $19.95. I for the farm and rural neighbors, to 3 ~M O~~ ~~~ ~ Br:2~~Mth.mgrownIOtol."31 protect against liability suits and to preserve the general environment. 1 3~ tdy $2.49 $6. 95 r 6 6M $4.85 12 1oM $1195 year old seedlings, are Nursery grown. !.hey're jUllt the right !!ize for planting. r 1 ~nese tree!!, will help turn your yard into a 9 oM o. show place. Order Now. Nitrogen fertilizers need to be applied during the growing season only as --~----HOU8E-OF~EBLEY~Nu-~~~yH61~ISION---------------------1 If within one year of Dept. ~941-52 .. needed by the crops to produce op- I receipt of your order Bloomington. 111100.881701 timum economic yield. Practices to n~~,f~~tsR~TUR~ Please send the following items: minimize pesticide usage through in- THE SHIPPING N6172.5-YearOldBlueSpruce $ I SH~~~r~~ ~B~!P~';;~~n~oro~ N6208. 3-Year Old Blue Spruce $ tegrated pest management, sprayer ~r:chase price .re- III. Residents add 6% SalesTax. TOTAL $ calibration and selection of pesticides ThnedW l~RAN¥Y~s NAME that are both effective, and environ- ~2kD ADDRESS mentally sound, all need to be imple- mented. Since information can be I LABEL TURNED. IS RE. CITY STATE ZIP r; IFEBRUARY 1988, RURAL LIVING 21 Company Issues "The whole idea behind Farm Bureau Leasing Service is that there Buy Back Notice is no hassle. Most people hate to go into a car dealership and be hassled . The Gates Rubber Company The leasing prices are set prices and • has announced that, in the in- you can chose your own options. terest of user safety, it will buy back The county personnel can tell you all Gates 73B-HB anhydrous am- what it will cost and if you want it THE SAFEMARK MARGIN: monia hose, whether the hose is QUALITY • SERVICE • DEPENDABILITY ~ ECONOMY great - if you don't, there's no hag- used or still on the shelf. gling." D Gates discontinued manufacturing its 73B-HB hose in 1983. Prior to that time, hose labeling and instruc- tions warned that the product should not be in use beyond 30 months. New Orleans The Gates "buy back" program (continued from page 9) states that "through June 30, 1988, anyone who still has this Gates hose "Boyd" Barker of Tennessee. All will be reimbursed at a price in ex- three are hog producers. cess of the current cost of replace- Through the continued coopera- ment hose and couplings." They ask tion of Deutz-AlIis, the winners of all those possessing this hose to ship it, the Young Farmer contests will re- along with any attached couplings, ceive their choice of a year's free use to the Gates Rubber Company, 999 of any Deutz-Allis tractor under 200 Michigan Ave., lola, Kansas 66749. hp or, a new option added this year, Reimbursement will include any harvest season use of a new R50 shipping charges incurred. D rotary Gleaner combine. Looking Ahead to the 1990 Farm Bill ~ Car Leasing Although government expenditures Make Michigan's Winter (cantinuedfrom page 10) for agriculture are falling, America's More Enjoyable with "In addition, we have been pro- farmers must prepare now for a more "cost-conscious" 1990 farm Quality Safemark viding a discount for drivers 65 and bill, said AFBF President Dean over for several years," Pingel said. Tires and Batteries! "Safe drivers, sensible drivers and Kleckner. Speaking at a pre-con- drivers over 45 can all count 'on be- vention news conference in New Farm Bureau ... where ing rewarded by Farm Bureau Orleans, the AFBF president said belonging makes agriculture would have to work hard Mutual, whether they drive leased the difference! cars or cars they own themselves." to safeguard the progess resulting from the 1985 farm act. The farm leader pointed to rising See your local Safemark dealer Training Program Underway or call your county Farm Bureau. farm exports, an increase he at- tributed partially to current farm law A FARM BUREAU MEMBER ONLY SERVICE "Representatives from Leasing and the various export assistance Services are providing training for * Enhance Your Income * county offices," said Fleming. "Every county office will have material programs. Despite the improved ex- port picture, he said 1987 was a year of "modest personal economic pro- WANTED: INDIVIDUAL WHO IS listing all the different car models gress mixed with frustration over the AGGRESSIVE, SERVICE MINDED, and the options available for each cynical antics of a Congress that ... vehicle. Members can order the PERSONABLE AND AN did much itself to injure farmers and vehicle they want with the options INDEPENDENT BUSINESSMAN ... add to agricultural uncertainty" by on it they want. The county office raising taxes, supporting protectionist personnel will be able to price out County Farm Bureaus are currently trade laws and other matters that their selection and tell the member seeking qualified persons to servic hindered agriculture's economic re- what the monthly payment will be. their members' needs as Safemark "Farm Bureau Leasing Service is bound. D tire and battery dealers and steel now in the pilot program stage in tillage and implement parts the west region of the state. We CHICKENS, PHEASANTS - vendors. For more information, plan to move the program across the Turkeys, Guineas, Ducks Over 50 varieties of Chickens ••.. t .~ Poultry _ Catalog contact Bob Harms, Operations state over the next few months " Exotic Rare Breeds, Fighting Game, " .. Bantams, Pheasants, Turkeys, Guineas, Ducks. Manager, Michigan Farm Bureau said Fleming. "Members will be' Incubat~rs, ~oks, Supplies. Safe Shipment Guaran- teed nationwide. We accept Visa and MasterCard Group Purchasing, Inc. notified by mail when the Farm Write for Big FREE colorful picture catalog . Bureau Leasing Service becomes Marti Poultry Farm, Box 27-55, Windsor, MO 65360 Telephone - 816647-3156 1-800- 292-2680 available in their area. 22 RURAL LIVING, FEBRUARY 1988 • Far.D Bureau Market Place CLASSIFIED AD POLICY MISCELLANEOUS FARM EQUIPMENT NURSERY STOCK • Farm Bureau members pay LUXURIOUS GERMAN SOAPS. Aromatic. FOR SALE: 550 P.S.1.I2 G.P.M. PRESSURE GLADIOLUS BULBS - Send for FREE 25 cents per word for all long lasting. Makes unique. affordable gift. WASHER 6 GALLON SOAP TANK - 35' BROCHURE! Poest Gladiolus, Box 55, Dep!. Send SASE to Superior Scents. Box 23 RL. hose. 5 way mix valve. $395. UPS COD RL, Zeeland. MI49464. Phone 616-772-6049. classified advertisements. Eagle River. M149924. (2-4t-20p) Groesser Equipment. Phone 616-941-4241. (2-3t-15p) (l-3t-20p) • All other advertisers pay WANTED: OLD MOTORCYCLE. CONVER- 50 cents per word for one inser- TIBLE OR SPORTS CAR. Any condition con- sidered. Evening - phone 517-625-3582. David. FOR SALE: NEW AND USED IRRIGATION EQUIPMENT. Also, equipment for manure They're out tion and 45 cents per word for two or more consecutive inser- 3485 W. M-78. Perry. MI48872. (2-22p) pumping and spreading with traveling gun. Plummer Supply. Inc. Phone 1-800-632-7731. for blood. tions of the same ad. OLD TIME FIDDLE MUSIC ON SIXTY (2-3t-19p) MINUTE CASSE1TES. #325 Twelve Michigan Fiddlers. #326 Twelve Canadian Fiddlers. • All advertisements are subject to a IS-word minimum charge, in- #327 Waltzes to Remember. and #328 Horn- LIVESTOCK pipes. Reels-Jigs Polkas. $4.50 each. Fiddle cluding member ads. Music. Kinde. MI48445. I-2t-32p) REGISTERED ANGUS BREEDING STOCK: NEED COLLEGE MONEY? Billions available For sale at all times. Bordner Angus Farms. • Please indicate if you are a Farm 68730 County Farm Road. Sturgis. MI 49091. now! Scholarships. grants, loans. Guarantee Bureau member. you qualify for 5 financial sources! Most apply- Phone 616-651-8353. (4-12t-20p) ing receive over 20! Send $3 for brochure. in- • The deadline for ads is the first structions. short questionnaire. (REFUND- BABY CHICKS - March through June. No ABLE) Nationwide Scholarship Finders. Box price increase. Free price list. Shephard Monday of the month preceding 2257. Lynchburg. VA 24501-0257. Hatchery. Roule 1. Dept. MI. Cannelton. IN publication. (l-2t-37p-ts) 47520. (1-3t-20p-ts) At first, it was only once a week_ Then three • All ads must be pre-paid and PRETTY PUNCH EMBROIDERY - Exciting times. Now they're out for may be pre-paid up to one year hobby. FAST-FUN-EASY. For all ages 8to 80. blood every night. Fantastic gifts. Kits. yarns. designs. laces. REAL ESTATE And they're not alone. in advance. hoops. material. Looney Tune kits. NFL/ AFL They're ju~t two of the designs. SAVE-DISCOUNTS. Catalog $2.00 CONDO AT NEW SMYRNA BEACH. FLA_. thousands of people all • It is the responsibility of the (refundable). Free price list SASE. Punch-N- FOR RENT. Completely furnished. two over the country who are advertiser to re-insert the ad on Stuff. 49985 Wear, Belleville. MI 48111. bedrooms. two baths. ocean view from the finally starting to do (l-2t-44p) fourth floor. Tastefully decorated. Phone something about the dis- a month-by-month or year-by- 517 .669-8252. (2-21p) ease that kills almost year basis. ATTORNEY: Farm born and raised. Engaged 32,000 Americans every in General Practice at Law. Particular emphasis FLORIDA - Mobile home 10 x 42. $5.800 . year-and afflicts another • The publisher has the right to on financial problems. bankruptcy. negligence, Friendly park near Busch Garden and other at- 38 million. contracts. land. estates and planning_ Particular tractions. have pictures. Phone 517-393-2516. It's high blood pressure. reject any advertising copy knowledge of agricultural problems. Call or (2-2t-19p) And once you know you've submitted. write Thomas J. Budzynski. 43777 Groesbeck. got it, you can usually Mt. Clemens. MI 48043. Phone 313-463- control it. By following • No ads will be taken over the 5253. (l-6t-40p) NURSERY STOCK your doctor's advice on phone. exercise, weight control. SNOWBLOWER - BIG BUZZARD: 7 ft.. salt intake. and medication. MAIL YOUR AD PTO. 3-point hitch. $1.850 value. Like new. BEKKYPLANTS - Raspberrles, strawberrles, Talk to your doctor today $1.000 cash. Phone 616-342-6800. (2-15p) blueberrles, currants, gooseberries, others. Free WITII PAYMENT TO: about getting started on a catalog. Makielskl Berry Nursery, 7130 Platt program that will keep VISA! MASTERCARD! GUARANTEED! Road, Dept. RL, Ypsilanti, Mich. 48197. you out for blood. And in Rural Living Without investigation. Bankrupt? Bad credit? Phone 313-434-3673. (11-12t-22p) the running. P.O. Box 30960 Divorced? Widowed? On Welfare? No prob- lem. All eligible. Free details. For fast reply send HARDY NORTHERN GROWN STRAW- Lansing, Mich. 48909 #10 SASE. Max Systems. Box 2257. Lynch- BEKKYAND ASPARAGUS PLANTS - Free burg, VA 24501-0257. (2-31p-ts) Brochure. Krohne Plant Farms, Rt. 6. Box 586 WE'RE FIGHTING Frn RL, Dowagtac, Mich. 49047. (1l-13t-21p) 'rOJR UFE FARM EQUIPMENT HYBKID POPLAR - 12 cents. American American Heart. Chestnut, other trees and wildlife shrubs. Cold PRESSUREWASHER - Steam Jenny 760-C. IIOV. 2.5 GPM, Runs good. $250. Phone Stream Farm, 2030T Freesoil Road. Freesoil, Mich. 49411. Phone 616-464-5809. (l1-6t-19p) Association V 517-676-2362. (2-2t-13p) Advertisers' Index Rural Living would like to thank these advertisers for their support: Blue Cross Blue Shield .11 House of Wesley Nursery . . 21 Countrymark, Inc. '" 5 MACMA Direct Marketing . ..3 Family Saver Buyer's Service 2 Marti Poultry Farms ..... .22 Farm Bureau Insurance Group .24 Safemark (MFB Group Purchasing) 22 Farm Bureau VISA@ Credit Card . . 13,14 • FEBRUARY 1988, RURAL LIVING 23 lIakea new look at M'Safety rf!Secu rity M'Tax- Deferred Interest Your search is over. Universal Life from Farm Consider giving your kids their own Universal Bureau Life Insurance Company of Michigan Life polic~ too. Our new $25,000minimum offers the low-cost protection, high interest policy is designed for children (and for older rate, and tax-deferred cash build-up that people who no longer need large amounts of Michigan families need. life insurance). Yes,the same policy that protects your life As always, Universal Life offers the flexibility can help you build a substantial cash fund to change with your needs. Coverage that you can use whenever you need it. What amounts can be adjusted as the years go by, an ideal way to reach important family goals, payments can be increased or decreased, and such as saving for college, buying a home, or you can add lump sums of money at any time paying off a mortgage. to take advantage of the high interest rate. Your money starts earning our high rate of Call your Farm Bureau Insurance agent today interest from the first dollar deposited into and take a new look at Universal Life. It's the the cash value fund ... and Universal Life is ideal way to guarantee yourself a secure one of the few places left where your money financial future ... and save on taxes at the can grow tax-deferred. same time. FARM BUREAU ~ Making your future INSURANCE a little more predictable FNlM BIJlIAIJ "'-lIUAI GROUP • fARM BURlAIJ Iff. fARM BIJlIAIJ GlNtRA! • fB NNJTY Michigan Farm Bureau Rural Living Magazine Non-Profit Org. P.O. Box 30960 U.S. Postage 7373 W. Saginaw Hwy. P A 10 Lansing, Michigan 48909 Grand Rapids, MI Permit No. 380 I I •