FROZEN FOOD EXPRESS ORDER DEADLINE August 23 DELIVERY September 11-22 For more Information and full listing of products available, contact your county Farm Bureau or call 1-800-292-2680 FEA TURING ... • Frozen Fruits • Frozen Vegetables INTRODUCING ... • Mississippi Catfish Degradable Rubbish SPECIAL OFFERS ... • Michigan Rainbow Trout #f\. \W Bags FREE 80 oz. Juice Pitcher with each • Frozen Concentrates purchase of 2 cases Florida Concentrate - • Wisconsi n Cheeses Orange Juice or Grapefruit. • Hobie's Soups FREE, with each order of $225 or • Dirt Squad more: 2-1/2 lb. Whole Strawberries • Pies & Crescents "Fresh Sausage" 2-1/2 lb. Dark Sweet Cherries (pitted) • Peanut Butter • Bratwurst 2-1/2 lb. Melon Mix • Meats • Weisswurst • Nuts • Cherry Pecan Iiif1 mICHIGan'S • Popcorn • Apple/Plum _ FaRm BeST VOL.66 NO.3 Summer 1989 About the Cover Good eating on the farm includes farmfamiltes and consumers, Recent reports on methods used infarming have some consumers confused.. but would a farmer feed his ownfamUy a harmful product? Cover design by artist Ray HUton. HUton Graphics. Lansing. Of Special Interest Farm Marketers on the Front Line Farm mar- keters must deal with food quality issues on a constant basis. An increasing number of producers are relying on Integrated Pest Management methods to keep chemical use to a bare minimum ...page 8 For Your Good Health! A special section on how to choose a health care plan for your family. If you are plan- ning on shopping around for a new health care provider, This read this section carefully, there are many good tips for making wise health care choices ...page 11 BUCKGets The Tools of Achievement A story of a special man, Jim Licht, who earned the Michigan Farm Bureau Around BUCK,the Tourist Dollar, goes 1988 Distinguished Young Farmer award and how Jim used the tools he has to achieve many of his personal and professional goals ...page 18 'round and 'round. As these BUCKS make the rounds, they benefit oosi- Rural Leader Newsletter Read this special section nesses directly involved in tourism of news and information about issues that affect Farm and many more who are indirectly Bureau and the families who make their living in the connected to the industry. Tourism Bucks are spent for wages and a state's second largest industry -- agriculture. wide variety of goods and services. And, $37 Billion* in tax revenue generated from all this economic Rural Living is Published Quarterly: on the first day of October, January, Apr1l and July by the MIchigan Fann Bureau InfonnaUon and Public Relations Division. Publication and editorial offices at 7373 activity helps pay for your schools, West Saginaw Highway. Lansing. MIchigan 48917. Post Office Box 30960 (ztp 48909); phone 1-517-323-7000, extension 6585. roads and othe~ vital services. That's why "Tourism Works For Subscriptions: $1.50 per year to members, Included In annual dues. $3 per year non-members In MIchigan, $S per year non-members out of state. Publication No. 345040. Established Jan. 13, 1923, as America" ... and you. MIchigan Fann News, name changed to Michigan Fann News Rural Uv1ng Dec. I, 1981. Third-class postage paid at Lansing. Michigan, and at additional maJIlng offices. Editorial: Connie Turbin, Editor and Business Manager, Ktmberly Marshell Neumann, Assoctate Editor ::::: TOURISM and ProducUon Manager. ..... ..... WORl/(" "-.) Officers: MIchigan Fann Bureau President, Jack Laurie, Cass City; Vice President Wayne Wood, Mar- lette; Administrative Wllltam S. Wilkinson. DIrector, Charles Burkett; 1reasurer and ChtefFinanctal Officer, Tom Parker; Secretary, FORAMERICA Directors: DIstrict I, Marltn Outman, Constantine; District 2, Blame VanSickle, Marshall: District 3, DIane Homing. Manchester; District 4, Tom Guthrie, Delton; DIstrict 5, Mark Smuts, Charlotte; DIstrict 6, Wayne Wood, Marlette: District 7, Lany Snider, Hart; DIstrict 8, Lyle LeCronler, Freeland; DIstrict 9, Joshua Wunsch, Traverse CIty; District 10, Margaret Kartes, West Branch: DIstrict II, Robert Wahmhoff, Baraga. At- National Travel and Tourism Large: David Conklin, Corunna: Jack Laurie, Cass City: Faye Adam, Snover; Richard Leach, Saginaw. Promo- Awareness Council tion and Education, Jants Sanford, Parma. Young Fanners, Pat Albright, Coldwater. 'I'rdiminary 1981l E.\limatl'S. Sourre: II.S. TrA,d ()-Ala Cl'llter, @1989. National Tra,d and Tourism A"...nn.'S.\ Council. SUMMER 1989, RURAL LIVING 3 Legislative Review FB Opposes Waxman/Kennedy Bill Food Safety Legislation on Front Burner -- AFBF President Dean Kleckner testified before the House Energy and Com- merce Subcommittee on Health and the Environment regarding H.R 1725, the Food Safety Amendments of 1989. FB is op- posing the Waxman/Kennedy bill for a number of reasons, mainly because it allows no con- sideration of the benefits of pes- ticides to farmers and consum- ers, and is unnecessarily harsh on producers by forcing the removal of a number of essential chemical products from the market. Kleckner stressed the need for alternatives for pesticides which Sweet com and weed growth infield (1988). Herbicides were ap- may be removed from the plied. but ,didn't work due to drought conditions. Insecticides and her- market, saying farmers should bicides need moisture to be activated. be given both the opportunity Photo by Dorothy Andrake and the incentives to use In- tegrated Pest Management (IPM) EPA Fungicide Announce- • The producer's annual programs. He filed with the com- ment Expected -- As this is writ- premium rate is greater than 25 mittee a description of 11 maj or ten, the EPAwas examining percent of the disaster benefits areas in which IPM resean:h scientific data before deciding received. programs could be improved to whether to outright ban or can- • On appeal to the county accelerate the technology to cel certain registered uses of a ASCS committee, it is deter- farmers and make IPM a nation- number of EBDC fungicides mined that purchase of crop in- al priority. (mancozeb, maneb, metiram, surance would impose an undue Adding fuel to the food safety nabam and zineb) because of financial hardship on the legislation debate is a lawsuit cancer risks. Some of the com- producer. filed by the Natural Resources pounds under review are con- For producers of 1989 crops Defense Council (NRDC)against sidered critical to the production that were planted in 1988, the re- the EPA, charging that the agen- of certain crops, such as quirement to purchase crop in- cy is violating the law by using a tomatoes and potatoes. surance in 1990 will apply only risk versus benefits assessment Disaster Assistance Bm Man- if losses exceed 65 percent. The for pesticides rather than a no- dates Crop Insurance -- The other four opt-outs listed also risk provision. The risk vs. U.S. House Agriculture Commit- apply to this category. benefits assessment is called for tee reported out H.R 2467, Michigan Inheritance Tax-- by the Federal Insecticide, Fun- which provides for disaster assis- Michigan's present Inheritance gicide and Rodenticide Act tance. It mandates that if pro- Tax, enacted in 1899, can be (FIFRA);the no-risk assessment ducers accept disaster payments described as outdated, complex is required under the Food, Drug or forgiveness of repayment of ad- and difficult to understand. This and Cosmetic Act. The EPA is fol- vance deficiency payments for creates unnecessary expense to lowing one law which happens to the 1989 crop, they must obtain smaller estates with larger attor- conflict with another law. multiperil crop insurance for the ney fees. The heirs of the estate The administration is expected 1990 crop unless: are liable for the tax rather than to develop its own alternative to • Crop insurance is not avail- the estate. The tax is levied on the Waxman/Kennedy bill and able for the commodity. each beneficiary's share. The tax several members of the Agricul- • The producer's annual rate and exemptions vary accord- ture Committee are also prepar- premium rate is greater than ing to the relationship of the ing to introduce an alternative 125 percent of the average bill. premium rate for the 1989 crop. (continued on next page) SUMMER 1989, RURAL UVING 5 Legislative Review While this has helped many farm of the estate. Land value is families, it is not the answer. based on the potential value and (conttnuedfrom previous page) not the present use. Other family Those with assets in stocks, heir. Rates range from 0 percent bonds, bank accounts, etc., can owned businesses have similar to 10 percent for close relatives totally escape Michigan's death problems in Michigan. and 12 percent to 17 percent for taxes by establishing residency S.B. 1, introduced by Sen. others. There is a full exemption in states with death taxes con- Nick Smith, R-Addison, would for joint property and an un- forming to the federal Estate eliminate Michigan's present In- limited marital exemption for Taxes (generally known as a heritance Tax by Jan. I, 1991, property qualifying for a marital "Pick Up" tax). Many retirees do and replace it with the federal deduction at the federal level. this and may continue to live in Pick Up tax. The result would be There is a $10,000 exemption Michigan less than six months a to reduce the incentive for Mich- for close relatives, e.g., inherited year. There is also evidence that igan residents to move to one of farm machinery, trucks, cars, some people earning their in- the 29 states complying with the clothes, furniture, etc., totaling come in Michigan continue to federal Pick Up tax. over $10,000 would be subject to maintain their residences in a S.B.1 would levy any tax on tax. There is a $100 exemption state with the Pick Up tax. the estate rather than on the for non-relatives. While many forms of wealth heirs. It would be based on the Because of an amendment can be moved from state-to- federal law, which has an exemp- achieved by FB in 1978, half of state, farms and other properties tion of $600,000 and a provision the inheritance tax on farmland cannot. Another serious prob- to permit farm property apprais- would be exempted if the -prop- lem with the present Michigan In- al according to its production erty is put in P.A 116. The other heritance Tax is that according use. Simply put, no federal Es- half is deferred for 10 years to the definitions outlined in the tate Tax is levied on estates of without interest or penalty. This tax, farmland, forest land and less than $600,000: therefore, has made it possible for farms to other open space must be ap- no state Inheritance Tax would remain in the family without praised at the "clear market value" in determining the value (continued on next page) having to be sold to pay the tax. Plant The Best With The Best Treatment. HI-PHY Alfalfa Demonstrated performance. It just plain produces ... and produces and produces. HI-PHY is ranked tops in university trials in our area. Excellent disease resistance to phytophthora rot rot, bacterial wilt and fusarium wilt. HI-PHY enjoys resistance to the costly potato leafhopper. • Excellent Winter Hardiness • Large Leaves • Vigorous Regrowth • Excellent Fall Growth • Phytophthora Tolerant "Wet Foot" ANSTAR Alfalfa Bei.ng bred for top yields, ANSTAR also has super resIstance to anthracnose. Combine this with resistance to bacterial and fusarium wilts, moderate resistance to potato leafhopper and an excellent winter hardiness ... ANSTAR becomes an obvious choice for top alfalfa producers. • Resistant To Race 1 Anthracnose See your participating • Recommended For Well Drained Solis Countrymark Member Association • Resistance To The Costly Potato Leafhopper today about research proven • Combines Good Fall Growth With Excellent FFR Alfalfa Varieties. Winter Hardiness APRON(!) Fungicide ••• Systemic Seed Treatment can improve your alfalfa STAND and YIELD by suppressing early season Phytophthora and pythium. Apron- is a trademark of eIBA.GEIGY. Count;~~A,:l\ P. O. Box 1206 • Delaware, Ohio 43015 AD-8701.2 6 RURAL LIVING, SUMMER 1989 Legislative Review of the trucking industry, and House without opposition. FB Farm Bureau, on the basis that continues to support the bill (continued from previous page) it would result in higher trans- which provides growers the op- be levied on an estate of less port costs and also result in portunity to decide the type of as- than $600,000. more trucks on the highway. sessment either based on value Besides helping to keep family Several field hearings have been or on volume of product sold. owned farms and businesses, held where testimony has indi- School Finance Reform Com- final passage of S.B. 1 would cated the concerns and opposi- promise is actually two separate greatly cut present administra- tion of the industry. proposals. Voters will have to tion costs. When California and Sen. Faust, D-Westland, intro- decide on Nov. 7, 1989. which Colorado switched to a Pick Up duced S.B. 353 which is an program, if any, will become law. tax, each was able to reduce ad- amendment to the Commercial Proposal 1 would increase ministrative staff from 230 to Driver's License Act. The bill in- sales and use taxes by one-half just 28 and from 32 to 4, respec- creases the cost for a commercial cent effective Jan. 1, 1990. It tively. driver's license from approximate- would raise $400 million for Probate courts would no ly $20 to a maximum of over school aid: $285 million to be longer need to value the estate $100, depending on whether a used in a revised school aid for- separately from the federal Es- road test is required and the mula and $115 million on assur- tate Tax and legal costs would be number of endorsements and ing educational quality. substantially reduced. vehicle classifications required A constitutional amendment S.B. 1 passed the Michigan on an individual's license. would guarantee that various Senate and is expected to be con- Currently a truck driver, taxes levied in lieu of property sidered by the House Taxation whether it be semi or a conven- taxes would be dedicated to the Committee sometime in late tional straight truck in excess of school aid fund. This replaces August or early September. It is 26,000 pounds, is required to the general fund appropriation. expected to be strongly opposed have a vehicle endorsement on Proposal 2 would increase the by the Treasury Department be- the driver's license. The current sales and use tax by 2 percent. cause of potential revenue loss; system of a Class I, 2, or 3 will Certain exemptions would be al- however, other states have found convert to A. B, or C vehicle lowed for low income households. that revenue returns within group designation after Oct. 1. Provides a statewide property three to four years. This bill does not change the re- tax of 14 mills on business MFB strongly supports S.B. 1 quirements; only increases the property and 9 mills on other and members of the Michigan fees for the various classifica- property, including farms. House of Representatives need to tions and endorsements. FB ex- Reduces school operating hear from their constituents that pressed a concern because of the property taxes to a foundation S.B. 1 should be passed into law. substantial increase in cost. millage rate set for each school Animal Industry Act Amend- district in addition to the Truck Legislation -- Several ments -- Rep. Hart, D-Swartz bills dealing with trucking regula- statewide property tax. This Creek, introduced H.B. 4730 would be 8 mills in much of the tions are being considered or which would provide amend- have moved through the Legisla- state making a total of 22 mills ments to the Animal Industry for business and 17 mills on ture. H.B. 4316, sponsored by Act requiring either testing or Rep. VanSingel, R-Grant, other property. An extra 4 mills vaccination of equine prior to could be voted locally. clarifies agriculture's exemption sale. showing, or movement. Be- for covered loads. The bill as sub- Average school tax cut would cause of concerns from the horse be 12.3 mills or 37 percent for mitted to the governor exempts industry, the bill, which was covering of agricultural com- ag; 7.3 mills or 22 percent for reported out of the House Agri- business modities; however, it does not cultural Committee, has been re- provide an exemption if the con- The first 8 local foundation quested back for the committee mills would be equalized at tents drop, sift, leak, blow or for further consideration and otherwise escape from the $105,000 State Equalized Value input. Based on FB policy, FB (SEV) per pupil. Foundation vehicle. The penalty is a maxi- continues to support H.B. 4730. mum of $500 fine and 90 days in mills above 8 mills would be Bean Commission Amend- equalized at $85,000 SEV. jail for both the operator of the ments -- H.B. 4725, introduced vehicle and the individual re- FB will provide further infor- by Rep. Hickner, D-Bay City, mation until the Nov. 7, 1989 sponsible for loading or unload- provides amendments to the ing the vehicle. voting date. Bean Commission Act by expand- H.B. 4093, sponsored by Rep. ing the commission and redis- Leland, D-Detroit, and others, tricting to provide for represen- Legislative topics are would reduce the maximum tation from all production areas reviewed and written by the gross vehicle weight to not more in the state. The bill would also than 80,000 pounds, which is ap- provide the option of fee assess- Michigan Farm Bureau proximately half the current al- ment on the basis of value of Public Affairs Division staff. lowable weight. The bill has been product and not volume. The bill opposed by basically all factions has been reported out of the SUMMER 1989. RURAL UVING 7 Food Quality Issues Farm Marketers on the Front line In the span of two hours, prime time television dealt a blow to 'We told them that we had not been using Alar for years. They ter way to manage the crop, dol- lar-and-cents-wise," said John. consumer and farmer confidence trust us and our answers seem Growers, he said, began to that left them smarting from the to satisfy them, but we're expect- recognize that broad spectrum sting. For the farm marketers, ing more questions this summer pesticides were killing off ''benefi- agriculture's front line retailers after the market opens," said cials," the natural predator in- of fresh grown produce, the Carolyn. sects that control infestations of public response to the CBS "60 Fortunately, the Becks have moths, bugs and mites that at- Minutes" segments "Intolerable answers that demonstrate their tack fruit. Results of the broad Risk" and 'What About App}es?" genuine concern for providing spectrum spray program were was quick in corning. the best quality, safest, fresh ap- that growers were spending more 'We started getting calls that ples. Like many other fruit and more money on chemical night from people who had been growers -- both for the fresh and sprays. corning to our market for years," process market -- the Becks "Consider the fact mites go reported Carolyn Beck of Clinton have been utilizing the In- through 20 generations per County. She and her husband, tegrated Pest Management (IPM) season. They build tolerances (to John, own and operate Uncle system of protecting their or- chemicals) faster than we can get John's Farm Market, just north chard crops with natural insect them registered. And miticides of St. Johns. Her experience was predators, limited sprays and at- are really expensive," he said. echoed by farm market retailers tention to the ecological impact John said that with the im- and growers around the state, of their farming practices. plementation of his IPM pro- who received one call after anoth- Their strict IPM program is gram, populating the orchard er from their customers asking more than a response to growing with natural predator insects for assurances that the apples consumer concerns about the and traps, season sprays were and apple cider they had pur- use of chemicals. "It's just a bet- cut to just three times. The chased were not Alar treated. savings? A solid 50 percent. 8 RURAL UVlNG, SUMMER 1989 "Before we went to IPM, I was Because federal funding for tion and use of integrated pest spending about $24.000 a year IPM has declined, IPM Extension management (IPM)as a method in sprays, now the figure is and research programs in of reducing costs, risks, liability closer to $10,000." Michigan have declined. Growers and total dependence on fann A conseIVative estimate by like John Beck use MSU trained chemicals. IPMcan reduce the Michigan State University indi- orchard scouts now employed by risk of output loss, the per-unit cates that "the potential impact chemical companies, but for cost of production and liability of IPM on pesticide use is that growers like Abe Moreland, tech- from chemical damages. IPM is a over $17.5 million and 700,000 nical support is limited to the defensible use of pesticides be- pounds of pesticides would be delivery of IPMinformation by cause it focuses use where saved annually if IPMwere prac- the university through periodic problems have been identified. ticed on an additional 10 percent reports. We support continued research of the cropland in Michigan." Other states fund IPMpro- and development of pesticides These estimates are for food grams through their land -grant which degrade more rapidly, are crops only and do not take into universities. Comell University less environmentally persistent account the effect of using IPM in NewYork will receive $925,000 and are compatible with ac- in urban landscapes, forests, this year for agricultural IPM re- cepted IPM practices ...Expanded and building pest control. search and Extension. The educational programs are needed province of Ontario is investing to encourage the widespread What isIPM? $10 million for a similar pro- adoption of IPM.We recommend gram. These programs were de- the addition of IPMinstruction to veloped from the foundation pesticide applicator training A recent MSU report defined created at MSU. programs. IPM should continue the program as an interdiscipli- to be a budget priority for the nary approach to pest manage- USDAand land-grant institu- . ment that takes advantage of the National Policy Backs Hons. They should expand their full range of techniques for con- IPM research and development of IPM trolling the pest population, in- techniques on a regional basis." cluding the use of biological, The American Farm Bureau . This policy is also supported cultural, mechanical and chemi- Federation delegates meeting in by Michigan Certified Farm cal methods. Chemical controls San Antonio, Texas, this past Markets, an affiliate of the Mich- are used only as a last resort January voiced their strong sup- igan Agricultural Cooperative and when pest populations port for IPM.The 1989 policy Marketing Association (MACMA) threaten an intolerable loss. statement reads, in part: 'We and the Michigan Farm Bureau. A key element of IPM, the support the widespread promo- report stated, is the monitoring of pests to determine when and where they are present and whether their numbers are suffi- cient to cause economic losses. This information can be used to decide whether control measures are needed and which methods will be most effective. More Funding Needed Growers like Abe Moreland, of Byron Center in Kent County, would like to adhere more closely to a strict IPMprogram, but be- cause their market and orchard operation is smaller and because of the lack of available orchard scouts to set traps and identify pest infestations, Abe uses MSU pest alerts and orchard traps to time his sprays. But he's not satisfied with what he's able to do without more support for the formal IPMprogram at MSU. !PM is an interdisciplinary approach to pest management that takes 'The problem is funding for advantage of the fuU range of techniques for controlling the pest the program at MSU. We need population, including the use of biological, cultural, mechanical and more scouts. More training for chemical methods. Chemical controls are used only as a last resort growers." and when pest populations threaten an intolerable loss. SUMMER 1989, RURAL UVlNG 9 Don't Miss Your Local Fair! Alcona County, Aug. 16-19 Hudsonville, Aug. 21-26 Northern District, Aug. 14-19 Lincoln Hudsonville Cadillac Alger, Chatham July 28-30 Huron, Bad Axe Aug. 6-12 Northwestern, Aug. 28-Sept. 3 Allegan, Allegan Sept. 8-16 Ingham, Mason July 28-Aug. 5 Traverse City Alpena, Alpena Aug. 20-26 Ionia, Ionia July 28-Aug. 6 Oakland, Davisburg Aug. 1-5 Antrim, Bellaire Aug. 18-20 losco, Hale July 26-29 Oceana, Hart Aug. 23-27 Arenac, Standish July 16-22 Iron County, Aug. 17-20 Ogemaw, Aug. 14-20 Armada,Armada Aug. 15-20 Iron River West Branch Baraga, Pelkie Aug. 11-13 Isabella, Mt. Pleasant Aug. 5-12 Ontonagon, Greenland Aug. 3-6 Barry, Hastings July 15-22 Jackson, Jackson Aug. 6-12 Osceola, Evart July 24-29 Bay, Bay City Aug. 8-12 Kalamazoo, Aug. 21-26 Oscoda, Mio July 20-22 Berlin, Marne July 17-22 Kalamazoo Otsego, Gaylord July 31-Aug. 5 Berrien, Aug. 10-19 Kalkaska, Kalkaska Aug. 8-12 Ottawa, Holland July 24-29 Berrien Springs Kent, Lowell Aug. 7-12 Presque Isle, Posen Sept. 8-10 Branch, Coldwater Aug. 6-12 Lake, Baldwin Aug. 10-12 Roscommon, Aug. 24-26 Calhoun, Marshall Aug. 13-19 Lake Odessa, June 29-July 4 Roscommon Cass, Cassopolis July 17-22 Lake Odessa Saginaw, Saginaw Sept. 9-16 Cheboygan, July 30-Aug. 5 Lapeer, Imlay City Aug. 7-13 Saline,Saline Sept. 5-9 Cheboygan Lenawee, Adrian Aug. 13-19 Sanilac, July 30-Aug. 5 Chelsea, Chelsea Aug. 22-26 Luce-West, Aug. 24-27 Sandusky Chippewa, Aug. 29-Sept. 4 Newbeny Schoolcraft, Sept. 8-10 Kinross Mackinac, Allenville Aug. 24-27 Manistique Chippewa, Stalwart Sept. 7-9 Manchester, July 11-15 Shiawassee, Corunna Aug. 6-12 Clare, Harrison July 29-Aug. 5 Manchester Sparta, Sparta July 27-30 Clinton, July 31-Aug. 3 Manistee, Aug. 30-Sept. 4 St. Clair, Goodells Aug. 8-12 St. Johns Onekama St. Joseph, Sept. 17-23 Crawford, Grayling Aug. 9-12 Marion, Marion June 26-July 1 Centreville Croswell, Croswell July 16-22 Marquette, Sept. 7-10 Tuscola, Caro July 30-Aug. 5 Dickinson, Aug. 31-Sept. 4 Marquette VanBuren, Hartford July 8-15 Norway Mecosta, Big Rapids July 9-15 Vassar, Vassar July 17-22 Eaton, Charlotte July 22-29 Menominee, July 26-30 Washtenaw, July 24-29 Emmet, Petoskey Aug. 19-27 Stephenson Ann Arbor FowleIVille, July 17-23 Midland, Midland Aug. 13-19 Wayne, Belleville Aug. 8-12 FowleIVille Missaukee, Falmouth Aug. 7-11 Western Michigan, Aug. 21-26 Genesee, Genesee Aug. 14-20 Monroe, Monroe Aug. 7-12 Ludington Gladwin, Gladwin July 24-29 Montcalm, Greenville July 9-15 Michigan State Aug. 25-Sept. 4 Gogebic, Ironwood Aug. 10-13 Montmorency, Aug. 8-12 Fair, Detroit Gratiot, Alma July 23-28 Atlanta U.P. State Fair, Aug. 15-20 Hillsdale, Hillsdale Sept. 24-30 Muskegon, Ravenna July 22-29 Escanaba Houghton, Hancock Aug. 24-27 Newaygo, Fremont Aug. 14-19 10 RURAL LIVING, SUMMER 1989 For Your Good Health! How to Choose a Health Care Plan for Your Family Personalized Service Because We Care From Los Angeles to Lapeer or Houston to Holland, the latest adver- tising fad is the term "service after the sale." This simple concept is a direct result of the American public demanding not only quality, but also service to back up the product they are purchasing. While many people relate this service craze with the auto or applicance indus- tries, its carryover effects have had a dramatic impact on the service sector products like information processing, hotel and restaurant business and even the insurance industry. People are no longer satis- fied with a good product at the right price. They are demanding an experienced customer service staff be in place and easily accessible as well. Seeing these trends develop in the early 1980s, Michigan Farm Bureau took a hard look at its Blue Cross Blue Shield health in- surance program to evaluate its service level to the MFBmem- As one of the most dynamic in- dustries in the United States ber/subscriber. The result was implementation of a joint pilot program between BCBS and MFB of a personalized service unit. This unit, developed in 1986-87, is a service available only to FB mem- today, and around the world, the bers. Member/subscribers can call a toll-free number and have any health care industry has put up question about their FB sponsored BCBS coverage answered. The some very big numbers in recent unit is staffed with 13 people who work closely not only with mem- years. Government estimates say bers, but also county FB secretaries and MFB staff. The personalized Americans spent $550 billion on service unit, while very effective, is just one benefit of the FB health coverage in 1988 (more organization's BCBS coverage. than the entire gross national The availability of the local county service through the county product [GNP}of Great Britain), secretary is another tremendous advantage. Should member / sub- or the equivalent of 12 percent of scribers ever have a problem contacting the personalized service the United States' GNP.These unit, or are dissatisfied with the response, they can turn to the local numbers have been growing, and county secretary for assistance. County secretaries also handle all are projected to continue to grow changes which require member signatures, often eliminating the at almost three times the time delay of sending documents through the mail. Another benefit nation's inflation rate. This is of the FB-sponsored BCBS plans is the commitment of the organiza- happening while an estimated 35 tion to educating members about the plan benefits they have and million people across the nation ways to save money when using health care benefits. An added ser- lack any health benefits for them- vice in this education process is the magazine delivered to all Com- selves. These staggering figures, prehensive Major Medical (CMM)subscribers (see related article in added to the estimated 30 mil- this issue). lion people who have coverage, FB also keeps members informed by holding county information but at levels that are woefully in- meetings open to all members, attending Community Action Group adequate, begin to give a clear meetings and responding to individual requests for plan information. picture that the nation's most FB even helps members compare their present health insurance to dynamic industry is also in great the FB sponsored plan or vice versa. The biggest benefit of the FB turmoil. • plans is the personalized service members get when they are a sub- The billions of dollars, the scriber to the BCBS plans. The grassroots nature of MFB has, and comparison to GNP, and the will, continue to ensure the FB-sponsored BCBS plans are the best medical inflation rate as com- possible combination of price, product, and most importantly, service. (continued on next page) SUMMER 1989. RURAL UVING 11 Health Care Plan or family? First, take time to do care is sometimes limited to some research, not only on the some multiple of the normal (conttnuedfrom page 11) price and benefit package, but daily room rate. The problem on the company offering the results when the cost of the in- pared to the Consumer Price tensive care room exceeds the al- Index (CPI)are all big numbers, product and the agent who will service your health insurance. Is lowed rate established by the but they mean very little to the health carrier. Many people average family trying to provide a good product at the right price really a good deal if the service never realize these types of adequate health insurance for limitations until they are actual- themselves. More American center is 2,000 miles away and the company has the lowest in- ly billed by the hospital for the families are shopping for health excess room charges, often insurance, and more companies surance rating in the industry for financial stability and service? thousands of dollars. are offering more products than any time in American history. As The price of health insurance families and employers try to is so volatile many companies sort out the reasons for the have seen rate changes from 10 Asfamilies and employers percent to 110 percent. Based on dramatic increases in health in- this, price should be secondary try to sort out the reasons surance premiums, they are being inundated with hundreds to product benefits, service for the dramatic increases of different product offerings reputation, and company history in health insurance with multiple options within in the marketplace. It is very easy to say "our company will premiums, they are being each plan. It is a confusing situa- tion for even the experienced lead the industry into the 21st inundated with hundreds of health insurance professional. century" and quite another to different product offerings Many families and businesses have the history to back up the are wondering if they will ever statement. with multiple options within get off the health insurance The nature of the industry each plan. men:y-go-round ofjumping from makes new companies look very plan to plan because premiums good in their early years when are too costly or benefits are not premium dollars are outpacing • Thoroughly investigate the meeting the needs of their claims by subscribers. However, plan's maternity benefits. Many families and their employees. without proper management, it plans now have separate riders takes only a short time for a com- that must be purchased if you panytorequireastrononncal want maternity coverage. These Comparing Apples rate increases or benefit cuts to riders often contain limits and ex- remain viable in this most clusions of their own and should The first step off this health volatile industry. be looked at closely by those care merry-go-round is to be- people who would be affected. come an informed consumer. Deciding Wisely • Ask when the last rate The biggest problem in the in- renewal (rate increase) of the dustry today is that the average company was and what type of person is unable to compare one Some tips for Farm Bureau members who may be shopping rate increase or benefit change health insurance product to they experienced. Try to get another. The co-pay, deductible, for health insurance are as fol- lows: statistics on the past several reasonable and customary, years if possible, as this will be a DRG's and HMOworld we live in • Never cancel your present policy until you have read a com- good indication of the manage- makes comparison shopping al- most impossible. plete list of plan benefits and ment of the program and the Comparing apples to apples policy exclusions of the new plan. average increase you might ex- ends up a comparison of one • Check deductible limits. pect in the near future. Also, ask apple variety to another. While some plans set only family when the next rate increase will While the products look the deductibles or, two or three per- take effect. Don't get caught same in general, they often differ son deductible lirrtlts per calen- buying a health insurance pro- in areas like intensive care dar year, some plan deductibles duct on its great price, only to coverage or allergy testing. This are unlimited and thus expose have your first or second billing often makes your current health larger families to unnecessary notice increase dramatically. insurance look very similar to risk. • Ask how often the pre- the one being pushed by the • Check co-pay lirrtltations. nnums can be adjusted. Some slick selling sales representative Some companies have family plans limit their increases to one across the table. The fact is, it limits that add up all family co- a year, while others can adjust too frequently lacks an impor- pays. Others have per-person on a monthly, quarterly, or senn- tant feature of your current plan, limits, greatly increasing the annual basis. but won't show up until it's too financial exposure of the family. • Evaluate your need for pre- late. • Make sure in-patient hospi- scription drug coverage. Many What can you do to make the tal care is all treated the same. Carriers offer different plans: right decision for your business For example, in-patient intensive some with coverage, some without. The drug sector of the 12 RURAL LMNG, SUMMER 1989 health care industry is one of the lIif' a service problem will arise, family must assess its individual most costly. The premiums for but when. A toll-free number is situation and develop its own for- coverage that contain drug nice, but when the service office mula for health insurance cov- benefits can run from 25 percent is located thousands of miles erage based on its resources and to 50 percent higher than identi- away and there is no local ser- benefit needs as well as the risk cal or similar plans without drug vice or agent, it can mean levels exposure it can undertake. coverage. of frustration that no one wants These are not easy decisions, • Read the fine print on ex- to endure. but in view of current premiums clusions, especially for routine While it is very difficult to com- some people are paying, it is an services that can add up, such pare health insurance products, important family financial as coverage of officevisits and al- it can be done. Followthe above decision. lergy testing/therapy. steps and be sure you don't buy In fact, in some households, • Find out where the service of health insurance based only on health insurance premiums have the plan is conducted and if price or benefits. Your next already become the second big- there is a local representative to health insurance decision is not gest expense next to the monthly help when problems arise. The unlike a decision to enter the mortgage payment. complexity of health insurance stock market. While both carry a today means it is not a matter of degree of risk, each business or MFB Plans Offer Benefits Plus HealtMction The Michigan Farm Bureau- Comprehensive Major Medical able demographic informa- sponsored Blue Cross/Blue (CMM)plans began receiving tion, FB found the publication Shield (BCBS)plans have al- the HealthAction publication. was not only well received, ways been more thanjust The full-color magazine is but also well read by the mem- health insurance to MFBmem- sent to all CMMsubscribers bers. In fact, 76 percent of the bers. Our unique policy on a bi-monthly basis. The respondents said they read development process allows topics vary from issue to issue HealtMction from cover to members' input in the FB and always offer a mix of infor- cover (the magazine averages health insurance plans. Mem- mation on safety, fitness, 8-10 pages). Ninety-one per- bers have said they want more nutrition, substance abuse, cent said they read at least from a health plan than just health costs, as well as many half or more of each issue. some company which pays other areas. Each issue pro- The biggest indication of claims. That is why in 1987 vides common sense ap- the magazine's success is the members holding Blue Cross proaches to changing poor number of HealtMction health habits combined with readers who have actually the latest medical information made a lifestyle change as a on every day health problems. result of reading an article in In an effort to make sure the publication. It is expected HealthAction was meeting the these lifestyle changes will not needs of the FB member / sub- only improve the health of the scriber, MFBconducted a sur- individual member, but help vey this past January. The hold down costs in the entire results were very encouraging. Michigan Farm Bureau BCBS In addition to some very valu- group. HealthAction publication is afull-color magazine sent to all CMM subscribers on a bi-monthly basis. The topics vary from issue to issue and always offer a mix oj information on saJety, fitness, nutrition, substance abuse and health costs. SUMMER 1989. RURAL UVING 13 Save on the healrh care you down. 13tH,whichever plan you need [0 avoid unscheduled choose, you'll benefit from time off. down-[O-eanh membership rates. What's more, you can Farm Bureau membership have all your prescriptions filled emirles you [0 choose from at similar savings. Because we three rraditional Blue Cross care abotH your health care. Blue Shield comprehensive major medical plans, scaning as As a Farm Bureau member, you low as $51.27 a momh; and one can also enjoy a wealth of other HMO plan. for as linle as services designed [0 save you $118.25 a momh. The main money: nO[ only farm insurance difference is: as the deductible and healrh care insurance, but goes .UP, the premium goes also au[() insurance and life insurance; Visa@credit card with cash advances at auwmated You may depend on us for farm insurance teller machines across the but we also carry a shield for yOU ... coumry; and discoums on appliances, phowgraphic and sponing goods, electronic eC)uipmem, eye care services, travel arrangemcms, car rcmal, tires and bancrics; even buying or leasing a ncw car or truck. What matters to you matters to us. For your nearest Farm Bureau office call 1 (800) 292-2680 extension 3239/3240. WHERE • available in most cOllnties BELONGING MAKES A __ MICHIGAN f"4RM BURCAU DIFFERENCE . •• - FAMILY OF COMPANICS Young Dreamers Reachfor the Stars During 20 years of America & Me Essay Contests Laurie, Farm Bureau Insurance tian School in Adrian, fifth place: Executive Vice President Robert Brian Sheposh of St. Anselm Wiseman, WLNS1V channel 6 School in Dearborn Heights, co-anchor Dave Andrews, broad- sixth place: Mike Storey of Chip- caster Howard Lancour, along pewa Hills Junior High in with several members of the Remus, seventh place: Jason Farm Bureau Insurance cor- Matteson of Cooper&villeJunior porate staff. High School in Coopersville, First place winner Bree eighth place: Brett Spradlin of Spieplinga, of North Christian Mar Lee School in Marshall, School in Kalamazoo, received a ninth place: and Brandi Amt of plaque and a U.S. savings bond Watervliet Junior High School in for $1,000 for her essay based Watervliet, lOth place. on the topic "MyDream for The finalist judges for the America and How I Will Help 1988-89 America and Me Essay Make it Come True." Her essay Contest were Gov.James It was a glorious day in Lans- survived three levels ofjudging Blanchard, Lt. Gov. Martha Grif- ing. The sun was shining and to make it to the number one fiths, Congressman Bob Carr cheny blossoms perfumed the spot from almost 5,000 essays. and 1V and radio broadcaster warm breeze at the state capitol - Farm Bureau Insurance Agent Howard Lancour. - a perfect day for the 20th An- Bob Vlietstra sponsored the This popular essay contest, nual America and Me Essay Kalamazoo school and was on open to all Michigan eighth Contest Awards, hosted by Farm hand to help present Bree's graders, was started by FB In- Bureau Insurance on May 17. awards. surance in the 1968-69 to en- The event honored the top ten The remaining essay winners courage Michigan young people winners of the patriotic writing received a plaque and a $500 to explore their roles in contest, which Farm Bureau In- savings bond. They were: Steven America's future. surance sponsors annually for Gray of Saline Middle School in Yes, the 20th annual America Michigan eighth grade students. Saline, second place: Mcuy and Me Essay contest was a suc- The top 10 statewide winners, Milanowski of Riverside Middle cess, and Farm Bureau In- accompanied by their parents School in Grand Rapids, third surance is looking forward to and teachers, were treated like place: Amy Orick of St. Mary another 20 years of sponsoring visiting dignitaries, as they School in Monroe, fourth place: this contest for the youth of toured the capito! building and Becki Mattson of Lenawee Chris- Michigan. met with the governor's agricul- tural aide Howard Wetters, who presented them with a certificate and a letter of recognition from the governor. The morning continued with a visit to the Senate session where the essayists were individually in- troduced. They also met with Lt. Gov. Martha Grifilths and received congratulations and framed Senate resolutions from Sen. William Sederburg. From the capitol, the group traveled to the Radisson Hotel where the winners were honored with a luncheon and an awards program. Special guests at the luncheon included Michigan Farm Bureau President Jack SUMMER 1989, RURAL UVING 15 time, then progress to a state of continuing weight loss, rough hair coat, and anemia. Relapses of increasing severity are also common. Chronic cases may have oc- casional attacks, usually have a poor hair coat, unthrifty ap- pearance, edema and anemia. Carrier animals appear to be healthy, but harbor the agent of the disease. A horse may be a carrier for Its entire life and Identifying and Treating Three never show signs of disease, but potentially able to transmit the Common Equine Diseases disease to a healthy horse. The Cogglns Test detects the presence of antibodies to the EIA virus. Antibodies are proteins L he Michigan horse industry is system. Of these three diseases, manufactured by the horse in an a vital component of Michigan EEE is the only one that poten- attempt to fight the virus. Cur- agriculture. Continued expan- tially affects people. Horses, rent research indicates a high sion of this industry can be en- people, birds and a variety of correlation between horses who hanced by understanding some small mammals can contract test positive to the Coggins Test of this Industry's problem dis- this disease from a mosquito and those who harbor the virus eases. bite. Mosquitos spread the virus in their bodies. A horse that Obvious economic losses among wild birds. These birds tests positive on one occasion result from the death of the serve as a reservoir of infection will do so for the rest of its life, horse(s), veterinary costs and dis- for other animals. The disease Is except young foals who absorbed posal. Other economic issues are not spread from horse to horse antibodies from their positive lost sales, loss of use, effect on or from a horse to a human. A dam's colostrum. marketing ability and reputation, vaccine for horses is available to There is currently no effective and cancellation of events. protect them from EEE. treatment nor vaccination Non-economic issues include program available for this dis- sentiment and the stigma and in- Equine Infectious Anemia ease. convenience associated with dis- eases and their control. Eastern equine encephalomy- Equine infectious anemia (EIA) Potomac Horse Fever elitis (EEE), equine infectious is also known as "swamp fever." anemia (EIA), and Potomac horse This disease is caused by a virus Potomac horse fever (PHF) is fever are three diseases of horses that attacks red blood cells. Only caused by a rickettsia germ that that are commonly confused equine species are affected. This inhabits white blood cells and with each other because the disease is transmitted by intro- cells lining the intestine. First early signs for all three are ducing certain body fluid, usual- recognized in Maryland in 1979, similar and they all have compli- ly blood, from an Infected horse this disease is now found in cated and often misunderstood to a healthy horse. This can be many states, including Michigan. transmission patterns. Disease accomplished by an insect (most After initial disease signs, horses symptoms include fever, depres- likely horse flies) or by a variety show one of two patterns. sion and going off feed. These of mechanical means (such as Some horses recover from signs are so general it is often im- the repeated use of a single their symptoms and appear to be possible to tell if a horse h a s one needle on a number of horses, healthy but may experience of these conditions, let alone one of which is infected). Once in- relapses of fever, depression and some other disease. Laboratory fected, horses harbor this virus going off feed. tests, definitive symptoms ob- for life. The initial signs of EIA Other horses develop diarrhea, served by a veterinarian, and pass quickly into one of four pat- may colic and/or founder. Early sometimes postmortem exams terns: acute, subacute, chronic, treatment with appropriate an- are required for a final diagnosis. or carrier. tibiotics is often effective. There Acute cases are more the ex- is a vaccine available to protect ception than the rule. These hor- horses from this disease. Eastern Equine ses rarely survive and can die Encephalomyelitis within 3-10 days after the virus enters their bloodstream. EEE, also known as "sleeping Subacute cases can also be sickness," is a disease caused by very sick and then become a virus that attacks the nervous chronic. These horses may have no sign of disease for a long 16 RURAL LIVING. SUMMER 1989 ... ... ... ... A FARM BUREAU FAMILY GETAWAY TO OHIO AMISH COUNTRY FOR ONLY $125.00 Enjoy a scenic visit to the nation's largest Amish settlement including an Amish wedding dinner in a private Amish home. rour Highlights. August 70- 7 7 Outdoor Theater Drama - DTrumpetin the LandD,written by Pulitzer Prize winning playwright Paul Green, unfolds on the epic-size stages of the 7,400 seat Schoenbrunn amphitheater. Dinner with Ohio Farm Bureau leaders. Additional stops at the DWorld'sMaster CaNet, Ernest Warther; Broad Run Dairy Cheese Factory,' and the Coblentz Chocolate Company. Tour package includes dinner on August 10,as well as breakfast and lunch on August 1 7; motel accommodations,' luxury coach transportation from Lansing to Dover, Ohio,' and personal tour guide. ReseNations and a $ 700 deposit per person must be received by July 2 7, 7989. Couples save ten percent when making joint reservations. Balance due August 7, 7989. No deposit refund after August 4, 7989 FOR MORE INFORMATION CALL 1-800-292-2680, EXTENSION 3236 OR 3237. ... ... --~ ~- ... --- ••. v ~~~ ~~ ... --- ... ~~ ... ... The Tools of Achievement -/achievement just comes naturally to some for the farm. If I can see a true opportunity people —just as natural as hard work, good com- taking shape then I work toward it." mon sense and patience. These are the tools of While he believes in being opportunistic, Jim achievement that Jim Licht, of Huron County, describes his goals as conservative: Protect cur- h a s applied to his career in agriculture. Among rent interests and assets. Build slowly and have the awards and recognition Jim has received, the financial flexibility to be able to take advantage of most recent is the Michigan Farm Bureau desig- true opportunities. nation as 1988 Distinguished Young Farmer. In addition to farming 400 acres in the Pigeon- The award is presented annually to a young Elkton area, Jim holds a full time job off the farm. farmer who demonstates substantial development "Since the kids (Jeremy, 6, and Katie, 3) came in the farming operation since the first year of along, Sue and I have felt that it's important for farming and also shows a well-rounded involve- one of us to be at home and raise the children. It ment in family, community and Farm Bureau. works better for Sue to be at home. That way we Exactly when to mark the beginnings of his can supplement the income and pay off the bills farming career stumps Jim who turned 31 years a little quicker." old this spring. Young Jeremy — towheaded and talkative — "On the young farmer form, I put down the seems destined to follow in his father's footsteps. year I graduated from high school because I was "He reminds me of myself when I was a kid be- no longer a high school student and my occupa- cause he's always out there interested in every- tion was farmer. But you could say I've been farm- thing on the farm. He's busy telling me how ing since I was 10. I've always been interested in everything should be done and how I did it last it and doing chores. The way it is with most farm year. Jeremy and my dad are busy most of the kids. time building sprayers and saddle tanks or some- "Farming is what I've always been interested thing for the toy tractor. They have lots of fun in. I love the outdoors: being outdoors, planting together," Jim said. the seed and watching it grow. It gives me a thrill Following in Jim's footsteps will be a worthy to drive by a field after a rain and see how every- challenge for Jeremy. His dad's list of early thing plumps up. It's just something special I achievements include high school salutatorian, never get tired of." FFA chapter and state president, MFB State Like a lot of young farm families, Jim and his Young Farmer Committee member, and MFB wife. Sue, got their start with more than moral Young Farmer Discussion Meet winner. Jim also support from their families. holds the FFA American Farmer and State "Basically, my parents helped get me get Farmer degrees in addition to an impressive list started by selling me machinery and so on. Let's of state and national honors. face it, you definitely get better deals from your "I'm fortunate that most of my personal goals parents. Other than that we've been very for- have been achieved at quite a young age. I've tunate. served on committees, church councils, school "I just take advantage of every opportunity. boards and various things like that. Now that I'm Look. Evaluate. Ask myself whether an oppor- increasing the size of my farm and having a fami- tunity is good or will it end up meaning more risk ly, I'm taking a break you could say." RURAL LIVING. SUMMER 1989 {or the truly distinguished and outstanding ... MICHIGAN FARM BUREAU PROUDLY ANNOUNCES! Young Farmer Contest Sponsorship by Great Lakes Hybrids, Inc. For the Third Consecutive Year GREAT LAKES Jim Licht, Huron County Gail Rubingh, Antrim County 1988 Michigan Farm Bureau 1988 Michigan Farm Bureau Distinguished Young Farmer GROWING GREAT Outstanding Young A ward Winner Farm Woman Award Winner (A/so pictured, his son, Jeremy.) Great Lakes Hybrids, Inc., win award a $1500 product certificate to the Michigan Farm Bureau 1989 Distinguished Young Fanner and Outstanding Young F ann Woman winners. * The certificate can be used to purchase various Great Lakes products, including afun line of quality com, soybean and alfalfa seed varieties . • For farm operations that do not use seed products, special arrangements will be made. FOR FURTHER INFORMATION, CONTACT YOUR COUNTY FARM BUREAU SECRETARY FeldDrug Michigan Farm Bureau DISCOUNT RX PROGRAM Same Day Service . We will promptly fill any authorized prescription. Send No Money . Your prescription order will not be delayed for credit clearance; it will be mailed immediately. Payment is due when you receive your order and the enclosed invoice. Feld Drug pays the postage on regular delivery service for prescriptions and any catalog item. No Sales Tax . No tax on prescription items. Tax/Insurance . Feld Drug will provide a year-end computer account of your prescription expenditures for your income tax or insurance reports. fi;~:~:-'-- l' . t' N Why Pay More? Chances are you are now com- parison shopping for many items. Why not apply comparison shopping to /'/ prescription drugs? All manufacturers .:.( of drugs must be federally licensed in compliance with rigid standards of the k.1. U. S. Food and Drug Administration, !~e' so the difference becomes price, not f!" quality. Feld Drug Prescription Service has applied modern volume 1...... merchandising tech- niques to their dis- pensing of prescriptions. The result is significant savings to you. Call For Free Catalog 1-800-228-3353 .-------------------------------------- A Publication of the Michigan Fann Bureau Volume 8 Number 7 July 1989 100,000 MFB Member Goal Reached! June 12 marked the 100,000 Charles Burkett, MFB ad- families who have pledged member milestone for the 1988- ministrative director, credits this another year of membership com- 89 membership campaign. The year's membership success to mitment to Farm Bureau. Each achievement represents an all the continued membership team- of us shares the credit and the time membership high for the work displayed over the years. responsibility to ensure that Michigan Farm Bureau. The "County membership teams Farm Bureau continues to be a membership tally also earns working with Farm Bureau In- dynamic and growing organiza- MFB a national ranking as surance agents, county tion in Michigan. having the 13th highest member- secretaries, and MFB regional "I salute every campaign ship in the American Farm representatives have formed the worker and employee and every Bureau Federation of 50 state nucleus of dedicated achieve- farm family that has contributed Farm Bureaus. ment in this year's membership to this all-time high membership In addition, 30 county Farm campaign. We are also apprecia- achievement. " Bureaus have reported their tive of the support given by the 1989 goal. The MFB membership Farm Bureau Family of Com- year ends Aug. 31. 1989. panies and individual farm Field Comm H Builds County Teamwork There is a new attitude out in and FB Insurance office sites. Ini- Corom II system at the county the country of county Farm tial installations and training ses- level. Full implementation of the Bureaus and Farm Bureau In- sions are now complete. Over custom software program will be surance working together as a 600 people are trained to use the complete Sept. 1, 1989. team," says Andrew Ferdinand, Field Comm II system. The purpose of the county manager of MFB County SeIVices FB Insurance and MFB are Farm Bureau Automated Ac- Department. "Field Corom II has now working on development of counting System is to simplify actually encouraged county the two way system communica- the daily, monthly and year-end Farm Bureaus to pull their ad- tion project (phase II).When bookkeeping functions for the ministrative operations out of phase II is complete, the home of- county Farm Bureau secretary the secretary's home to work out fice system will be able to elec- and officemanager. of local insurance offices, allow- tronically process applications Objectlves of the system are to ing them access to the many (insurance and membership) simplify the accounting system, benefits of the system. Over the through communicating with the improve bookkeeping accurancy, past two years, we have grown various field sites. No official improve office efficiency, reduce from 36 county office sites to 51. dates have been announced for the learning curve for new em- That's progress!" the completion of phase II. ployees, and provide a statewide To date, a total of 147 elec- MFB has also developed an standard financial report format. tronic communications systems automated accounting software have been installed at county FB program which runs on the Field .------------------------------------ The federal government is jumping on the low input sus- 1990 Fann BUI Topic • tainable agriculture (LISA) of August Meetings bandwagon, even'though time honored (but less exotic) in- In order to get as much input tegrated pest management has on the 1990 farm bill from the an impressive track record. We membership as possible, the an- should also anticipate calls for nual Michigan Farm Bureau biotech project demonstrations statewide policy development designed to help make agricul- conference will be replaced in ture less dependent on chemical 1989 with area meetings to be inputs. held in three locations: Aug. 8, Animal care (the subject of Frankenmuth, Bavarian Inn this month's Community Action Motor Lodge;Aug. 9, Grayling, Group Discussion Topic) will Holiday Inn; and Aug. 10, Grand also continue to draw attention. Rapids, Marriott. This is an environmental issue in that some people hold an inac- curate image of what "natural" animal agriculture should be - Aug. 8, Frankenmuth, and that image has no recogni- Bavarian Inn Motor Lodge tion of the need for profits. Beyond environmental con- Aug. 9, Grayling, cerns, we will certainly see farm Holiday Inn programs being scrutinized as an area for possible budget Aug. 10, Grand Rapids, Who will Write the savings. The Export Enhance- Marriott. 1990 Farm Bill? ment Program is one tool we have that will be a particular tar- get. According to MFB Public Af- ThiS is simply not the time for As we begin discussing the fairs Division Director AIAlmy, farmers to just sit back and framework of the 1990 farm bill, the purpose of the meetings is to watch as the next farm bill un- it's important to remember that folds. Recent events have made it farmers face a growing challenge discuss the current farm bill, imperative that agriculture take which farmers have been operat- of explaining to the public what ing under since 1985, and a very aggressive role in shaping it takes to produce the world's 1990 farm legislation. evaluate its strengths and weak- most bountiful - and reasonably nesses. It's clear that American con- priced - food supply. sumers, like those in Europe, are Then the discussion will focus We need to have your input. on possible changes members becoming increasingly active on Attend the Farm Bureau spon- environmental issues. SUlVeysin- sored farm bill meetings. These should consider when developing dicate that three out of four policy on the 1990 farm bill will be held Aug. 8 at the Ba- which Congress will enact next Americans consider themselves varian Inn Motor Lodge, Frank- year (1990). to be environmentalists. enmuth; Aug. 9 at the Grayling Farming has become a target County Farm Bureau mem- Holiday Inn; and Aug. 10 at the bers directly involved in the meet- of environmental pressures. The Grand Rapids Mariott. Alar controversy was one indica- ings will be members of the If farmers don't take an inter- policy development committees, tion of a widening spiral of con- est, other groups can and will cern over agricultural practices. young farmers committees, com- shape a farm bill that may not in munity action groups, informa- Environmental interests had the best interests of family farms. some success in the 1985 farm tion committees, and area bill by enacting Sodbuster and Swampbuster provisions. Similar concerns will be an even larger part of the 1990 farm bill debate. 9~i~ Jack Laurie, President commodity representatives. Other FB members are welcome to attend. The meetings will begin at 10 a.m. and adjourn at 3 p.m. We should expect food safety Michigan Farm Bureau to be a continuing concern, espe- Registration materials and Infor- cially in light of no common mation will be mailed to the agreement on what constitutes above listed committee members an acceptable risk. and county officeswhen it be- Groundwater quality will be comes available. important. Some congressmen are already calling on farmers and environmentalists to work together to control groundwater ---~ contamination. ----------------------+ +--------------------------------- Elton R. Smith Endowed Chair Fund Discussion Topic: Hits the $500,000 Mark Animal Welfare And Research At a recent Michigan Farm Endowed Chair is the term Bureau Promotion and Educa- used for an academic position in- tion Committee meeting, the dependently supported by earn- Picture a pampered chicken: members voted to give $1,000 to ings from invested funds. The grown in a sanitary, disease-free the Elton R Smith Endowed ERS Endowed Chair will be es- environment: eating pasteur- Chair for Food and Agricultural tablished in Michigan State ized, semi-liquid food: breathing Policy fund and the remainder, University's Department of filtered air. totaling more than $1,000, to Agricultural Economics. This This is one of the animal hus- the Marge Karker Scholarship position will be a valuable bandry changes projected by the fund. These funds were made resource to MFB as it strives to Agricultural Research Service available by the MFB Women's develop the right food and over the next 25 to 50 years. It's Committee when they voted to agricultural policy for the future a change that would probably be allow the new MFB Promotion of the farming industry. welcomed by broiler producers, and Education Committee to dis- The Marge Karker Scholarship since growing chickens in a pense with these residual funds. is offered annually to students closed environment would elim- That decision helped the ERS of agriculture or an agriculture- inate infectious diseases and im- Endowed Chair fund drive to hit related field of study at Michigan prove the growth efficiency of the the $500,000 mark, moving the State University. Students must birds. fundraising proJect closer to its be from a MFB family, or have But does this kind of "chicken $1.2 million goal. their own MFBmembership. farmin'" fit the image that con- sumers have in mind about animal agriculture? Consider this incident reported in the Wall ____________ ----OlI~_------------ Street Journal: In Berkeley, Calif., the Citizens Humane Com- mission conducted a lively debate over whether to exempt Chinese potbelly pigs (miniature Annual Cherry Field Day setfor July pigs popular as household pets) from a city ordinance that effec- tively bans swine. The resolution For 20 years the Benzie Coun- about 200 pounds daily. In under consideration questioned ty Fann Bureau has sponsored a 1964, over 45,000 workers were "whether it was humane to im- Cherry Field Day the fourth Wed- needed nationally to harvest the pose domesticity on yet another nesday in July. It began as a crop. Due to a labor scarcity and animal, given the onerous condi- rural-urban day to demonstrate increasing labor costs, growers tions under which many already to the non-farming population started using mechanical har- live." how cherries are grown, har- vesting methods developed by vested, processed and used. This Michigan State University, the year, July 26 is the date for the U.S. Department of Agriculture, Image Update traditional event. commerical companies and Between 10 a.m. and 2 p.m., growers. 1989 Michigan Farm Bureau free tours will begin and end in The average equipment can policy recognizes that while fann- Arcadia at the Blaine Christian harvest 2,500 pounds of fruit ing has changed dramatically in Church, located at the intersec- per hour. The modem methods recent years, consumer under- tion of J oyfield and Putney of harvesting and handling have standing of animal agriculture roads, in southwest Benzie Coun- greatly improved the condition of has failed to keep pace. ty. the fruit. Approximately 2,500 Improvements in productivity Participants will be escorted acres of cherry trees are grown have helped keep our food sup- by tour guides to the orchards to in Benzie county, located along ply the highest quality and most watch cherries being mechan- the shores of Lake Michigan reasonably priced in the world. ically harvested, view videos of where the weather is tempered Likewise, animal research has the local processing plants and by the lake, perfect conditions been crucial in developing valu- taste some delicious cherry des- for cherry production. able human and veterinary medi- serts. Large groups should plan You, your family and friends cal practices. to call ahead to reserve a time. will receive a warm welcome But farmers face a challenge Call 1-616-352-4940. from the Benzie County Farm in educating the general public For many years tart cherries Bureau July 26, so plan now to and lawmakers that modem were picked by migrant work- attend! farming is not bib overalls, a ers. An average picker harvested pitchfork and a few animals .----------------------------------- meandering in the meadow. For Discussion Questions: • More crop damage studies example, Congress is considering need to be done and brought to the Veal Calf Protection Act, 1) Have your group members the DNR's attention. which would handicap the veal seen any negative reaction re- • Offer seminars on stress industry by prohibiting the feed- garding the care and welfare of management, farm safety/first ing of milk fed veal calves in in- animals in your community? aid, estate planning, and future dividual stalls. 2) How can farmers present a farm practices in tillage, insec- better picture of modern animal ticides and herbicides. What can FB members agriculture? When groups were asked if do? 3) Do you feel public reaction their county Farm Bureau for- to negative information about wards policy to their county com- "Number one on any list has animal agriculture will affect per- missioners supporting local to certainly be good husbandry ception about the agricultural in- Extension programs, their respon- practices," says Hugh Johnson, dustry in general. ses were: Yes 81% No 19% director of the poultry depart- 4) What should be the role of ment at the AFBF. "The media your county Farm Bureau in this will pick up on stories about issue? starved animals, improper dis- posal of dead animals and just Michigan Potato generally poor husbandry," he said. 'You are always going to • Report Approved have people who mistreat their animals, and it's important that we do not try to defend or con- L he final report and recommen- done that sort of thing at all." April Discussion Topic dations of joint study committee It's also important for farmers Responses: on Michigan potato marketing to actively seek out opportun- has been approved by the Michigan Farm Bureau Board of ities to set the record straight through letters-to-the-editor, Land-Grant, Don't Directors and the Michigan radio and television appearan- Take it for Granted Potato Industry Commission. ces, mall displays, FB Speakers The committee, formed by MFB and Agriculture in the Class- and MPIC in late 1987 con- A he following percentage of ducted research on marketing or- room presentations. groups have worked on local Over the longer term, FB sup- ders and existing legislation Cooperative Extension Service addressing quality assurance ports the efforts of our land- projects: Yes 82% No 18% grant university system to programs in other states, ex- When groups were asked what amined market factors and iden- research new and improved ways needs in their county could be of caring for animals. tified emerging market met throughjoint efforts by the opportunities for the Michigan county Farm Bureau and the potato varieties. Use FB Resources county CES, their responses were: The recommendations support • Gypsy moth and other insect adequate staffing and funding of FB has many resources avail- control. the Michigan Department of able to assist you in dealing with • Assist in solutions and Agriculture's Fruit and Vegetable the animal care issue. prevention of groundwater con- Inspection Service In order to Your county Promotion and tamination. provide competitive service to Education Committee can help • Recycling glass, plastic, growers; urge russett potato ship- with Agriculture In the Class- paper, etc. pers to follow the grading and room presentations. The Mich- • Answers and input about sizing standards established by igan FB Commodity Activities waste management problems major russet shipping states; and Research Department and and concerns that will be affect- support the establishment of a the Information/Public Relations ing many farmers In the near fu- 50 percent skin set for Michigan Division can also assist in re- ture. round white potatoes directed by sponding to media interest in • Soil and plant tissue testing legislation or through organiza- animal care. You may also con- programs. tion under Michigan P.A. 232; tact the Information Division to • Research on new varieties of support action by the MDA Food borrow a copy of the new AFBF seeds and chemicals, programs Division to ensure packaged animal agriculture video, Our to inform people of environmen- potatoes are within grade; and Side of the Fence. tal challenges, training programs urge that the MDA Food Division Farmers have unique credi- in financial management and inform retailers regarding the bility on this issue. Look for op- marketing. proper handling and display of portunities to show that you care • Educate the general public potatoes. about the proper treatment of regarding pesticides, herbicides farm animals and the future of your industry. and other chemicals used in agriculture. • ------------------------+ Enjoy MACMA Samples, Steak Dinner It's in the Bag! and Fun at Summerfest '89 . Among several new products for the MACMADirect Market- ing's Frozen Food Express Sale are degradable rubbish bags. The product is being intro- duced in recognition of Michigan Farm Bureau 1989 policy en- couraging "market expansion of agricultural products" and "ag- gressive action to reduce waste by using ... containers produced from starch-based packaging material. " MACMADirect Marketing will offer the 6 percent cornstarch based bags in 20-count cartons during the next sale. The order deadline is Aug. 23. MACMAdegradable bags are not photodegradable and may be used in similar fashion to con- ventional polyethylene bags for long term storage, when not ex- posed to soil and water. The 2 mil thickness ensures quality and strength. While conventional polyethy- lene is biodegradable, the Use the Jorm on page Jour oj this issue to order your tickets to Sum- process is so slow that it is vir- merJest '89. tually imperceptible. The corn- starch agents in the MACMA degradable bag speeds up the decomposing process. Soil condi- Michigan Farm Bureau's Sum- Also for your tastmg pleasure, tions, moisture content, and merfest '89 tickets are going fast, will be a new shelf-stable sum- temperature all have an effect on so make sure your tickets are or- mer sausage and Wisconsin's the total process. dered by the July 7 deadline. lake-to-Iake cheese, the only AA The properties of the MACMA Only 2,000 tickets can be sold, grade cheese still manufacutred. degradable bag act to accelerate and you and your family will Suppliers and Direct Market- and enhance the decomposing want to be a part of the festivi- ing staff will be available to process,withoutcompromising ties at the FB Center, in Lansing. answer product questions, in- the overall strength of the bag. Come and enjoy the food and fun cluding the new degradable rub- Sample bags may be seen at Summerfest has come to be bish bags. Summerfest '89, July 19 at known for! For only $3 per person, you Michigan Farm Bureau Center, At Sunnnerfest '89, July 19, will be enj oying the now tradi- Lansing, and will be available for we will be celebrating a success- tional main course of steak siz- fund-raising groups this fall. ful agricultural combination of zling on the grills from 3 p.m. to "It is important to remember the 70-year-old MFB, the 75- 7 p.m. In addition to dinner and when purchasing MACMA year-old Michigan Cooperative appetizers, there will be a snack degradable bags that we are help- Extension SeIVice, and the 101- tent with pop, ice cream bars, ing to reduce our nation's solid year-old Ag Experiment Station cotton candy and popcorn. To waste problem," said J an Wil- program! round out the day, a variety of ford, MACMADirect Marketing While at Sunnnerfest '89 plan picnic games are planned with program coordinator. 'We are to stop at the MACMADirect prizes for the winners, plus a helping to improve the environ- Marketing's sampling area for country-western band will be ment, and we are supporting hors d'oeuvres of grilled playing. Use the Summerfest ticket agriculture by using a renewable Michigan farm-raised rainbow resource, corn." trout and bratwurst, weisswurst, form on page 4, or contact your cheny-pecan and apple-plum county office for a ticket order sausages. form. ------~~----- ------------------------------+ +---------------------------------- • What effect do policies of the both sides? How should U.S. Young Fanners - European Economic Community farmers become more involved in Sit Down and Be (EC) ture? have on American agricul- GAIT negotiations? • What effect will a continued Heard! How do the EC's quota policies deficit have on America? affect us? How do we deal with How can the deficit be the EC's quality standards? reduced? How do we determine a During a Farm Bureau Discus- What role should U.S. farmers safe level of debt? How will the sion Meet contest, Young play in controlling the United continued deficit affect agricul- Farmers gather together in an in- States - EC subsidy imbalance ture? formal setting to talk about cur- and the waste of resources on rent agricultural issues. Each year, the American Farm Bureau Young Farmer and Rancher Com- mittee recommends four topic Jr. Fann Bureau Members Reunite areas for discussion. This year, in an effort to en- courage greater participation among county Young Farmers. the state Young Farmer Commit- tee decided to identify one of the four discussion topics for the dis- trict level competition. They also selected a second topic in case there is a need for a semi-final round at the district level. The following topic will be used at each of the 11 district Discussion Meet contests: • How will the animal rights movement affect agriculture? What do farmers have to gain or lose on the animal protection movement? What strategy should Farm Bureau pursue to counter the impact of the animal rights movement on farm produc- tion practices? Verland and Carol McLeod are still smiling over the success of the cross country reunion they helped organize. The reunion State Topics brought together over 40 of the original participants of the Michigan Junior Farm Bureau tours to California and Florida These topics will be used which took place in 1946 and 1948. The group met at the Eaton throughout the preliminary. County Fairgrounds. June 10. semi-final and final levels of the "It was just a wonderful experience," said Carol. ''I'm still on state Discussion Meet held cloud nine." Seeing old friends now scattered throughout the during the MFB annual meeting, state and around the country gave Verland and Carol and their in Grand Rapids, on Nov. 29, traveling companions of old a chance to recall the serious and 1989: the comic aspects of the trip. • Have farm cooperatives run "One fellow's most memorable impression was of repairing their course or are they still a motors and engines." laughed Verland. "Ofcourse. just after the necessity? war a lot of vehicles needed work. Our bus was no different. We Why were co-ops formed? Can put in an new engine in Springfield. Illinois, and a new transmis- co-ops make decisions fast sion in California." enough for today's fast -changing The youngest member of the group was Ann Hennink Erler, market? now of Fairfax, Va. Ann is the daughter of Ben Hennink the MFB If there is a need for a semi- Junior Farm Bureau director. Another special guest was Burton final round at a district meet be- Richards of Eau Claire. Burton was the group counselor on the cause of a large number of California bound trip. contestants, the farm coopera- Reunion guests will carry their memories in a special year- tives topic will be used' in the book prepared by the McLeods. The book includes current final round. names and addresses, personal notes submitted by the par- ticipants and each person's most memorable impressions of the trip . .---------------------------------- ----------------------+ 7714; and FPC Sandusky, 517- New Propane Business 648-3032. for Farmers Petroleum A second district location will be opened in the fall. 'We hope to have installations Farmers Petroleum Coopera- in the 13 company owned loca- tive, Inc., is building a new busi- tions first," said Frey. ness in Michigan and they are Across the state, he said, the starting in Tuscola County. FPC Propane Division and its Work on a new propane instal- dealer network will provide full lation and service business at service -- installation, equipment the FPC Caro location is already appliances, and delivery -- to generating a lot of enthusiasm rural residents, and agricultural for cooperative members and and commercial businesses. Farm Bureau members. Groundbreaking for the new 30,000 gallon propane distribu- tion facility and sales officewas held June 2. FPC Propane Divi- ------~------ sion Manager Don Frey said the Vicki Pontz served as a cooperative is planning to begin regional representative for the taking tank installation orders in Central Regionfor three years July. Frey promises very ad- FBSupports vantageous pricing and a mem- and is now the legislative re- search and communications ber only benefit program for new Soybean Checkoff specialistfor the MFB Public Af- and existing Farm Bureau mem- fairs Division. bers. The American Farm Bureau Frey said the cooperative Federation's board of directors leadership at the local and state agreed to support legislation to VICki Pontz Joins MFB level is excited about the new create a national soybean check- business. off program. The board accepted Public Affairs Division "The propane venture is a a tentative agreement between Staff diversification of great promise Farm Bureau officers and the for FPC. We will be utilizing American Soybean Association present facilities and taking ad- calling for several key changes in Erfective June 5, Vicki Pontz vantage of the excellent market- filled the legislative research and the legislation introduced in Con- ing position the cooperative gress early in May. communications specialist posi- already has with its present base tion with the Michigan Farm Key changes involved pro- of customers and dealer net- visions for a recall referendum Bureau Public Affairs Division. work." Pontz served as a regional rep- upon petition by 10 percent of resentative for the Central the soybean producers, man- datory reconfirmation votes every Region for three years. Prior to "We hope to have five years to determine whether then, she served MFB in various installations in the 13 administrative assistant and con- the agriculture secretary should sulting roles. She is a graduate company owned locations conduct a referendum, a pro- of Michigan State University with vision allowing growers to seek first, " said Frey. refunds of monies collected prior a maj or in psychology and a minor in horticulture. to the initial referendum, specific In her new position, Pontz will language outlining how the be responsible for research on The Caro FPC location will checkoff monies can be used, also serve as a district propane and auditing procedures. legislative issues affecting agri- distribution center, serving the culture and the MFB Family of FPC Sandusky location and four Companies. The research will in- other independent cooperatives crease the effectiveness of MFB's lobbying efforts and policy devel- in the Thumb area. The FPC ---~ Propane Division dealer network opment activities. She will also be responsible for preparing re- in the area includes: Cooperative ports on legislative developments Elevator Company, Pigeon, 517- 453-3313: Ruth Farmers which will be distributed to key Elevator, Inc., Ruth, 517-864- county FB members, MFB and af- 3856; Farmers Cooperative filiate company staff members. Grain Co., Kinde, 517-874-4200; Elkton Cooperative Produce Co., ------~~----- Elkton, 517-375-2281. 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