FaRm~ Bureau VOL. 52 NO.9 MAKE IT HAPPEN SEPT; 3 '- Rural Trains at End of A map of Michigan's railway system lay on the desk with black .plans, knowing the need for the railroads, but wary of plans that" L~llc lines scratched across the rail would pour out huge amounts of routes that were already dead and federal funds. Clarence Magoon of the Michigan The ICC and DOT were caught in Public Service Commission a struggle to see which would be scanned it. . the controlling factor in a new One third of the track could be plan. Both proposed Core routes abandoned in the near future - if that would prune from the system, you count all the lines that were 5,000-10,000miles of railroad line, considered to ha ve "low traffic' much of which would lead to rural with those thatha.ve asked to be communities and elevators. abandoned and the track that would go under with Penn-Central' reorganization. Under the ICC plan, government would subsidize the maintenance of the Core route and the Individuals Can "And virtually all abandonment would match private investors or would affect agriculture, directly or indirectly," said. either Magoon state and local governments, dollar for dollar, for supporting branch lines. Save Local Lines After outlining the potential A one percent tax on all surface Local communities and in- view and says the Commission has dangers of rail closings, a mental transportation would supply funds' dividual farmers can do a lot to been successful in c-ooidinallng' picture of the Northern Lower to the program. save train lines in their areas. The oppOiiition to abandonment in the Peninsula was left unusually The' DOT would, on the other biggest problem transportation p!st. barren of trackage. hand, only offer short term specialists see is getting people to- -But Porter Barnett, trans- This "sleeping" problem that financing to a Core route, no react quickly enough to proP(l)ed portation syecialist for the confronts Michigan was brought to assistance to branch lines and abandonments . Michigan Department of the forefront of many minds would add no tax package. "Whenever we receive a copy of Agriculture warns, "The ICC will throu~hout the Northeast United The Adams approach was to 'an application for abandonment of take the railroads' arguments for States when Penn Central Trans- offer government guarantees to a line we feel like a cat scrambling abandonment as Gospel unless portation Co. presented its plan of monies used for railroad main- on a hot tin roof," said Clarence they hear otherwise." reorganization which nearly tenance, thereby taking the risk Magoon of the Michigan Public He emphasizes the use of public amounted to liquidation July 2 in out of slow return railroad bonds. Service Commission. witnesses as a means of stopping Philadelphia. Five more smaller Porter Barnett views these It is the commissions job to in- a bandonments and urges rural northeastern railroads filed plans, as well as the Shoup plan form interests such as businesses residents who wish to. protest bankruptcy to compound the that was drawn up in closed and cooperatives of the railroad's abandonments to contact the. danger and people began to yell. meetings, as offering the same intention to abandon in their area. Michigan Department of New York Farm Bureau potential danger. "You don't know "Generally speaking," he said, Agriculture for help. President Richard McGuire what you'll get," he said. Without a "When the railroads file to the ICC Warning Signs warned that food prices in the east voice in these decisive plans, he for abandonment they are ready to Marc Johnson, a Michigan State could soar 15-20%if the vital Penn feared agricultural areas could be state their ...... case:ll On the other University graduate student Central link to the Midwest were shortchanged. hand, farmers and other interest concentrating studies on the train broken. Porter Barnett, trans- Magoon had warnings in the group:; have no forward warning situation, suggests that trying to portation specialist of the same vein. "Congress and the and ha ve roughly a month from the anticipate what lines will be up for Michigan Department of Administration may clash. The 'application date to lodge a protest abandonment is not a bad idea. Agriculture, thought the problem President could veto plans other to the ICC. Then protestors still do He thinks certain signs of a was even more serious, locally, than the DOT. The DOT would not know how long it will be to a change in the managements at- with Penn Central controlling offer a continuance of private hearing date until the IC~ sets one. titude will surface before they nearly 30% of the rail system in the business and elimination of lines "It is all important for protestors make applications fo the ICt. state. without much ado. There would be to rea lize tha t time is of the Johnson suggests that poor track "Some rural communities might less than a good opportunity to essence," Magoon said. The maintenance and reduced speeds disappear without rail service," he protp.~t" Michigan Public Service Com- of trains are such signs along with said. "There aren't enough trucks . MFB legislative counsel Albert mission will advise protesting a generally deteriorateJi attitude to haul the crops." Almy let it be known that under the parties how to best help them- toward service. Plans Considered circumstances Farm Bureau selves but Magoon emphasizes that Considering the gravity of the would supp~rt emergency everyone must speak for himself in situation, Federal Judge John P. measures to maintain rail service a hearing. _ Fullam ga ve the government until but wanted governme'nt spending Individuals Listened To Index October 1 to come up with an held to a minimum. "We cannot put evidence on the alternative to liquidation of the A plan springing from a Senate record for anybody else because it Classified ads 15 Penn Central. The scramble was committee known as the Hartke will be ruled out of order," Magoon Discussion Topics 14 on and a barrage of proposals were plan offered such a possiblity. It said. Legislative Notes 4,5 drawn up - the Interstate Com~ proposed a national emergency While working through groups is Marketing 6 merce Commission (ICC) plan, the railroad authority to assist in suggested by some, Magoon feels On the Market 15 Department of Transportation maintaining service while a study that individuals can be very ef- Policy 11 utCon- In the case of a fairly wealthy .local governments. Chambers); Sept. 11, 2:00 p.m., district, such as one with a The authority would be essen- held at Central Michigan tinued to serve as'the county board Traverse City (High School); University on Thursday, Sept. 13; secretary until this year. valuation of $36,000per pupil, each tially in three areas: Sept. 13, 10:00 a.m., Alpena mill of local taxation would bring 1. Areas of critical en- another at Michigan State Mr. Fredericks also contributed (Grove Restaurant); Sept. 17, University on Wednesday, Sept. 19. his time and talents to community in $36 per pupil. In this case, the vironmental concern. 2:00 p.m., Sault Ste. Marie; state aid would be $2, to bring the 2. Developments of state or Some Farm Bureau members in service. He was both secretary and Sept. 18, 2:00 p.m., Marquette; the areas will receive invitations to ,chairman of the Mason County total amount per pupil to $38. multijurisdictional impact. Sept. 19, 2:00 p.m., Escanaba; Certain phase-in provisions are 3. Developments of state or become "audience participants." Democratic party and a member Sept. 20, 2:00 p.m., Houghton The purpose of the program is to of the Mason County Central provided for schools that are regional benefit. (Memorial Ballroom, Michigan levying less than 20 mills of Prime agricultural land could be discuss the role of local govern- School Board. He served for many Tech. University); Sept. 28, property tax for school purposes. considered an area of critical ment in the modern-day economy, years for the Township board as 10:00 a.m., Detroit (City along with its needs and leadership Under the bill any school levying environmental concern. The bill Council Chambers>. clerk, treasurer and trustee and millage higher than the 22 mills sets up a unique system for possibili ties. was the Scottville City Clerk for will receive only the local revenue two years. He has been a member resulting from the millage raised ~bove the guaranteed level. DNR Commissioners Appointed of the Odd Fellow Lodge for 38 years and the Danish Brotherhood More For The Millage Governor Milliken has filled the the a ppointment of the president of vironmentalist, Mrs. Joan L. Wolfe lodge for 36 years. The "median" school district two newly created positions on the the Upjohn Co. of Kalamazoo and of Belmont is resigning her EAC Elmer, his wife Lila, and presently levies a little over 24.5 important Department of Natural the executive director of the West directorship in favor of the aIr daughter Cathy, live on a farm mills and has about $818 per pupil Resources Commission pending Michigan Environmental Action pointment. She has won various near Scottville. to spend outside of funding for Senate confirmation. The Council (EAC>. awards including "Conservationist The Mason County Farm Bureau special categories. Under the new Governor announced last month The well-known en- of the Year." secretary duties ha ve been turned act, within three years it is ex- The company president, Richard over to Mrs. Ann Conrad. She and pected that the median levy will M. Boudeman of Hickory Corners, her husband, Robert, farm 300 still be under 25 mills. Within three years, districts making full use of Task Force Meetings Set is considered to represent abroad range of interests. He raises acres, specializing in cash crops. the legislation, however, will have It was reported in the August held at 8:00 p.m., are as follows: roughly 700steers, and 500-600hogs as well as field crops on a 1,100 Farm Bureau Invited nearly $1,000 per pupil to spend. issue that Dan E. Reed, retired Sept. 26, Engadine; Sept. 27,' In addition to the "equal yield secretary-manager of Michigan Crystal Falls; Oct. 3, Jackson; acre farm near Plainwell. Much of Farm Bureau, will head the Oct. 4, Sandusky; Oct. 10, Grand his farm is also used for wildlife to Conference formula", the legislation contains several other features. Major Governor's reactivated "Task Rapids; Oct. 11, Jackson; Oct. 17, production. Governor Mi lliken has an. changes in the funding for special Force on the Future of Agriculture Blissfield; Oct. 18, Mt. Pleasant; Since its reorganization earlier nounced a Consumers' Council education and vocational in Michigan". The original task Oct. 24, Benton Harbor; Oct. 25, this year, the Department of Conference, scheduled for Wednes- education have been made. The force first reported more than 70 Alpena. Natural Resources has become day, Oct. 3, 1973 at the Lansing legi~ ation includes $100milllon for recommendations in December of responsible for most en- Civic Center. Farm Bureau has spec.ll education, an increase of 1970. Everyone who is interested is vironmental matters, including been invited to participate in the $33 million. The meetings, all of which will be invited to attend and contribute. land use. ,'round ta ble. " SEPTEMBER 1, 1973 MICHIGAN FARM NEWS PAGE 5 Special D~vidends NATIONAL Albert A. ~Imy NOTES for Charter Members ,7 3 Farm Bill Enacted On August 3, Congress com- 1976and 1977 to reflect changes in .A.nother increased, special The first Charter Life dividends pleted action on new farm program production costs and yields. If open dIVIdend - 55% of the original of 5% were declared in 1954. The legislation. President Nixon signed market prices during the first five annual premium - for Farm raise from the 1972 dividend level the bill into law on August 10. The months of the marketing year fall Bureau Life Charter policyholders of 45%, marked the 13th Charter new program, known as the below the target prices, the' becomes effective Sept. 20. Life dividend increase. Agricul ture and Consumers government will pay the difference On June 1, the firm's Board of Directors voted to increase the Protection Act of 1973, will take to producers. No payments will be effect January 1, 1974 and expire made when open market prices Other Issues December 31, 1977. The new exceed the target prices. special dividends from 45% to 55%. program contains several When the Secretary of Employers Should Combined Charter and regular MINIMUM WAGE provisions that are different from Agriculture certifies that supplies dividends now pay up' to 94% of the the Agricultural Act of 1970. of a commodity are being depleted Charter Life anIUlal premium for Congress has passed minimum Report Iniuries Payments will be limited to because of price controls, the wage bill that would increase the policyholders. $20,000 per person (not per crop). President will be required to raise farm minimum wage to the same State law requires that initial "When Farm Bureau Life In- Payments for loans or purchases, the maximum price which may be level as the general minimum payment of Workmen's. Com- surance Company of Michigan was and payments determined by the charged. wage by July 1, 1976, but a veto is pensation be made within 15 days founded on these Charter Secretary of Agriculture to likely. The bill would raise farm Long-term contracts for 3, 5, 10 of an accident. Failure to do so policies " said Nile L. Ver- represent compensation for minimum to $1.60 an hour during or 25 years are authorized to carry could result in a fine or im- million, Farm Bureau Insurance resource adjustment or public the period ending-June 30, 1974; prisonment of a farm employer if Group executive vice president, access for recreation will not be out a Rural Environmental Con- $1.80 an hour beginning July 1, servation Program and Waterbank just cause for a delay is not shown "we pledged strong investment, included in the $20,000 limitation. 1974; $2.00an hour on July 1, 1975; bank program. The Rural En- before the Workmen's Com- returns. We will contiIUle to fulfill The milk price support will be and $2.20 an hour July 1, 1976. A vironmental Conservation pensation Review Board. that pledge." raised to 80% of parity for the 1973- special minimum wage. rate to Program is similar in many Basically, all injuries requiring 74 and 1974-75 marketing years. provide job opportunities for young U.S.D.A. had earlier set the 1973-74 respects to the REAP program medical care or expense should be Regular dividends are paid to people is not authorized. price support at 75% of parity. that was discontinued by the Ad- reported. If an employee is in- most Farm Bureau Life The present overtime exemption jured, follow these steps: 1) Send policyholders. But the special The new Act extends the dairy ministration last December. for employees of seasonal in- the injured employee to the doctor dividend is paid only to individuals indemni ty program to cover cows dustries, such as food processing, of your choice; 2) Call your Farm who purchased Charter Life In- producing contaminated mille It FORESTATION would be repealed by Jan. 1, 1m Bureau Insurance A~Emt im- surance policies. will also extend indemnification under this bill. mediately; and 3) If your agent is These policies were issued to where contamination is due to The new farm Act also creates a Congress did not send the bill to not available, call the FBICl' members, their children and unregis tered chemicals if ap- Forestry Incentives Program the President's desk before its Regional Claims Office nearest t~ grandchildren, the founders of plicable regulations were followed. designed to encourage the summer recess because of a likely you. \ Farm Bureau Life. The Charter development, management and veto. The Administration fears the An accident reporting kit has Life Insurance premiums were TARGET PRICES protection of private forest lands. impact, the bill would ha ve on been mailed to Farm Bureau reduced five years 'after policy A maximum of $25 million an- inflation and job opportunities for Workmen's Compensation issue. However, the special Target prices are established at nually is authorized to carry out young people. policyholders which tells the ways dividends, now 55%, are based on $2.05 per bu. for wheat, $1.38 Per the program, including cost of insuring prompt benefit the greater, original premiums, an bu. for corn and 38, per lb. for corn. sharing of improvement practices The target rates will be adjusted in with private forest owners. FEEDLOT STANDARDS payments. obvious policyholder benefit. The Environmental Protection Agency is expected to publish its Directors Visit Station proposed standards of per- formance in the Federal Register The Michigan Farm Bureau Working along this line is the before September 1, 1973. Board~ of Directors and several p~ultry anaphase project spon- The standards will be designed to staff members toured Michigan sored by the Environmental control runoff from feedlots. The State University's Agriculture Protection Agency. This project term feedlots includes dairy, beef, Experiment Station last month has received national publicity and swine, poultry and other livestock and saw first hand agricultural the Farm Bureau group saw for production enterprises. research that up to that time had' themselves the process of feeding Unlike the EPA permit program been only rumors to them. chicken waste back to the which covers only those en- The Farm Bureau group had the chickens. terprises of more than 1,000animal director of the experiment station Dr. Howard Zindel had chickens units, the standards of per- Sylvan Wittwer as a tour guide and housed in a structure which formance will include all new were joined by research heads on allowed for less than a square foot feedlots. the touring bus, in laboratories and of space per chicken. Waste The public will have an op- at field locations. collected in troughs below the portuni ty to comment on the The tour began with a look at the chickens was dried, dehydrated standards before they are im- space age in food processing. Food and s~nt bask to the' birds. Zindel plemented by EPA. Farm Bureau Science professor Dr. Ralph Of- said the waste had protein levels of will be represented at national carcik introduced the visitors to 'up to 40% after going through this , meetings to review the standards such delights as chocolate cheese, process. and will submit its recom- soybean snacks and dehydrated "We're not doing anything dif- mendations to EPA during the turkey. One of the most impressive ferent than mother nature," Zindel period allowed for public com- sights was the small tin can that said, "We just speed up the process ment. held 66 servings of whole beans, is all." He added that he thought The Federal Water Pollution demonstrating the development of the most efficient use of poultry A European Red Mite peers through the viewer of the electron Control Act of 1972 required the food compression which should waste would be to feed it to cattle. microscope at Farm Bureau visitors to Michigan State University EPA to develop feed lot standards. help reduce shipping costs. Pesticide research center. The Red Mite is known for its destruction to The rest of the day dealt with ENVIRONMENT apple crops. LAND USE reserach concerning the farming level of food production. Dairy- One of the most zealous plans at The Senate has passed a national researcher Dr. Charles Lassiter MSU is the Water Quality Project. FIGHTING PLANT DISEASE do this through predatory insects. Land Use Policy and Planning demonstrated the latest in Instead of dumping treated waste Standing before rows of plexiglass Assistance Act. The Act would automated dairy operations. When into a river where plant growth Researchers at the Pesticide boxes filled with predatory mites, authorize $1 billion in grants to an autOl \atic milking detacher is may be over stimulated, the waste Research Center enjoyed telling Croft explained that the European states for land use planning during developed to perfection, Lassiter will be diverted to four small lakes the touring group some of the most Red Mite which ruins apple crops an eight-year period. The claims farmers will be able to milk on Michigan State University cows at a rate of 120 cows per man property. There under water amazing things, such as the has repeatedly become immune to Secretary of Interior would be per hour. Cheap nutrition for cows plants will be fed and harvested for possibility of killing weed seeds pesticides. By finding predators authorized to evaluate state land was also researched by the dairy cattle feed. The water will travel with micro-waves or eliminating that are also immune to some use plans and determine eligibility science department Lassister said. from lake to lake where it will weeds with cucumber plants. Pesticides, Croft has a red mite for continued grant assistance. finally be part of a recreational Obviously, research wasn't killer. Efforts to impose sanctions complex and will be used for completely spray oriented. The "Of course you always ha ve to against states wh~e land use plan FEED and law to enforce the plan were irriga tion. thrust of one area of research was ha ve a few red mi tes on the trees to Environmentalists are also finding out why protein content keep the predators around," and not satisfactory to the Secretary of Dr. Hugh Henderson told the caused greater vigor in plants and Croft sees the a cceptance of the Interior were defeated. The sanc- Farm Bureau guests about his worried about the ever increasing with the help of several test tube method as a major step. tions that were proposed would latest development in feeding amounts of municipal waste and cattle. It was a process of con- what to do with it. Dr. Dale Harp- ba by seedlings they hope to be Botanist Ed Klos is also trying to ha ve withheld up to 21% of Federal verting a dairy by-product and stead, recognizing that it either closing in on the answer. find methods of cutting spray bills. funds for highways, airport con- pollutant, whey, into a protein goes into our waterways or on the He has found some pesticides that struction and recreation supplement for cattle feed (See land has led research that would Actually cutting the spray bill of become more effective, instead of development. farmers was the aim of some more diluted, in rain. In one case, The House Subcommittee on the story page 13). This should replace find out what the effects would be if Environment has held hearings on more expensIve supplements in a municipal waste was disposed of scientists. Dr. Brian Croft noted Klos found that a pesticide wasn't protein starved world and data is on farmland (see story page 13). that apples in Michigan can needed in an orchard just an oil national land use bills and is ex- showing it to cause a greater rate Such a disposal project was receive up to 30 pesticide at}- solution. pected to report a bill this month. of growth in cattle. simulated by irrigating a corn field plications eadi year. He hoped to The entire tour haa to lift the Farm Bureau while not oppaied Henderson said the work with water containing the same see this reduced to three or four spirits of farmers that often find to Federal assistance to states for benefited both dairy and beef in- chemicals as waste. Fear of the applications and thereby save the the world of markets and prices so land use planning is opp~ed to dustries. Further research devoted toxicity of zinc and salt has so far equivilant of $40 per acre in spray unsta ble. For the thrust of sanctions which give Federal to cheapening feed involves been proven largely unwarranted bills. research is definitely a bright spot c?ntrol over state land use plan- recycling waste back to the cattle. in the first year of testing. You may have guessed he would for agriculture and the world. mng. PAGE 6 MICHIGAN FARM NEWS SEPTEMBER 1, 1973. (Editor's Note: This is the exceeding $5,000will be paid by the No-Fault 10% discount on both Wage Loss second in a series of three articles and Survivors' Benefits coverages. insurance company under two which examine No-Fault auto situations only ... .if the motor- insurance and how it affects 2) There are two basic options cyclist strikes or is struck by a Michigan drivers. No-Fault Auto for Loss of Wages. By selecting not moving vehicle. If he hits a tree Insurance October I, 1973.) becomes On October 1, Michigan law effective Guide to receive Wage Loss payments for the first seven days of any disa bili ty, premiums coverage can be for this reduced another motorcycle, slides off th~ road,. and so forth, no benefits can be paid. Part 2 For an additional $50 a year, a requires tha t dri vers ha ve three 20%... an annual savings of $3 to' motorcycle owner who insures his auto insurance coverages: Per- $5. Premiums can be reduced 35% car with Farm Bureau Insurance sonal Injury Protection (PIP), .J for Loss of Wages coverage by electing not to receive Wage Loss Group can purchase full PIP Property Protection Insurance 3) Lost income benefits, up to a injured farmer. The $20 a - day protection, but will only collect (Ppl) , and Residual Liability maximum of $1,000 per month for benefit must also be included in the payments for th& first 14 days of when he is' struck by or strikes a (RL). These coverages are three years. The actual amount $1,000per month lost income limit. any disability. Yearly savings moving vehicle,- __ manda tory. Failure to comply wi th paid is reduced 15% or less on All of the PIP benefits will be would range from about $5 to Property Protection Insurance the law can result in fines up to income tax. paid to dependents in case of death. almost $9. (PPI) covers damage you do to $500, jail for one year (or both), 4) Up to $20 per day for sub- Also, all PIP coverages apply to 3) An insured pedestrian or another person's property (except loss of driver's license and loss of sti tute service benefits ... for a accidents occurring throughout the recreational vehicle operator is moving vehicles) regardless of license plates. maximum of three y~rs. This United States, its territories and covered by PIP if struck by a fault. Pays for the cost of doing jobs the Canada. moving vehicle or if he strikes a 1) Coverage is provided up to $1 FBI's Role injured person would have done. PIP Options offer nOIrarmers moving vehicle. million maximum. Personal Injury Protection The $20 is included in the $1,000per insured by Farm Bureau In- 2) PPI does not apply to thme (PIP)' coverage is paid to the month Lost Income. surance Group opportunity for "Motorcycle" Coverage accidents occurring outside the accident victim by his own in- Of special interest to farm savings: However, many companies State of Michigan. surance company. PIP coverage operators, 'Farm Bureau In- 1) Single women (age 20 through including Farm Bureau Insurance 3) Vehicles are excluded from includes payment for: surance Group substitute service 65) or a single man (age 24 through Group are limiting PIP for auto coverage unless parked in a 1) Unlimited medical and benefits include the expense of 65) are eligible for 10% discounts" insureds who are also motorcycle reasonable manner. rehabilitation expenses. replacement labor. This labor on Survivors' Benefits costs. And, operators. Residual Liability (RL) 2) $1,000 funeral and burial must perform services that would adults of same age groups earning Thffie operators must pay all protection includes coverage for expense. nor~ally have been handled by the less than $6,000a year qualify for a injury cmts up to $5,000. Costs " (contmued page 9) , , Grape Price ' Multi-fruit Prices Set The MACMA Processing Grape Marketing Committee has an- Low inventories, higher Michigan Total U.S. nounced recommended base prices production costs, and increased Plums for the 1973 grape cr~p: $200 per demand will mean higher prices 1972 28million 84 million Ibs. ton for Concords ($160 per ton last for MACMA plum, pear and peach 1973 30 million 150million Ibs. year), $275for Delawares, and $200 grower-members. MACMA is Peaches for Niagaras. The Michigan grape recommending a 9t per pound '1972 10million 2,294million Ibs. crop was estimated on August 1 at plum price, as compared with 4f 1973 50 million 2,645million Ibs. 23,000 tons, d,own 30,000 tons from last year; 8f for peaches, and is Pears last year's crop. _ "_ offering members' pears to buyers 1972 . 45 million 1,217million Ibs. It was suggested that "Pink_ at 8.5f per pound. 1973 18million 1,448million Ibs. Concords" should bring $20 a ton' Nationally, carryover of all - higher than standard Concords processed stocks of canned and The 1972 peach crop was the because of the lighter weight of the frozen fruit are at a very low level, smallest in Michigan and in the immature fruit in demand by New and crop estimates of the 1973fruit nation in the last ten years. The York wineries. Michigan wine crop indicate that pears alone have 1973crop estimate is well below the makers have indicated that the the potential to rebuild a larger 10-year average of 2,753 million premium Baco hybrid variety will stock position. pounds. be priced at a base of $300per -:ton. flpple Reps Chos'en Certified Farms Where's the Marketing Board? At the Processing Apple Marketing meeting at Spring Lake, Aug. 8, state committeemen gathered with representatives to the AAMA committee. They are'(bottom, left to right) Howard Gilner, 1972 state Broaden Selection Fruit and vegetable growers that rules, bargaining associations vice chairman; Merlin Hauch, '72 state chairman and '73 AAMA expected to have accredited must sign up a majority of growers bargainers represent their in- that represent over 50% of a committee chairman; Larry Leaman, '73 state ~hairman; and Ray The Michigan Certified Farm Anderson '73 state vice chairman and AAMA representative from Marketing Association is looking terests under Marketing Act 344 ~ommodity's volume. For con- this year have to be patient until Michigan: (Top left) Perry De Kryger, state committee secretary; and forward to broadening the selec- tracted crops, this must be done 1974. The Agricultural Marketing AI Mandigo, '73 AAMA representative from Michigan. tion of produce in their member 150 days prior to the sales date roadside markets by making a Board that will grant accreditation (determined by previous year's growing number of products to bargainers will not be able to date). Considering this, growers of available to them this Fall. function until the legislature ap- the 1974crop of pickles may be the Popcorn and cherry nuggets will be transported to markets across Michigan from growing areas within the state. Other agricultural produce will be purchased from proves procedural rules drawn up by board members. James Schaffer, chairman of the board said rules were now being reviewed by a legislative com- "first to DEmefit from accredited bargainers. Hopes among marketing specialists are not only to have Marllanted trade terms for US agriculture protection of the dairy industry as by fixed tariffs, but Don Kunz, when representatives meet for the an example: Riley still recognized manager of the Grain Department GATT (General Agreement on that opening trade barriers alone of the Michigan Elevator Ex- Trade and Tariffs) talks next could harm dairymen. change doesn't feel we're any month. "What we acbJally negotiate for closer to considerations from the "With prices where they are, is favorable terms," he said. "We EEC than when GATT talks began we're in the best position to will probably never have an actual in the Kennedy era. negotiate for free trade than we've free market." been in for years," MSU He suggested that the subsidies "Unfortunately our strong agricultural economist James that the European Economic market pCX5itioncoincides with a Schaffer said in a policy Community has for dairy products weak US dollar," he said. development meeting last month. coming into this country may be a He said the 'French are in a "And if we don't negotiate for it negotiable item with enough controlling pCX5ition in the in-" now, I don't know when we'll get pressure. By lowering barriers te rna tiona I money market and Economist Schaffer with PD Committee: "If we don't negotiate for it." slowly he feels US dairym~n ~ould don't intend to see their internal free trade now, I don't know when we'll get it." - Schaffer referred to America's could adjust to specializing in fresh protection-of prices tampered with. pCX5itionin world trade after two product markets. devaluations of the US dollar and Forejgn interests, in fact, could during a time when world food, ECC subsidies and levies will be press for an International Wheat demands are soaring. Fellow a bone of contention on a number of Agreement, which would set economist Lester Manderscheid fronts in the talks, as Joseph Halow maximum and minimum prices on said prices for US goods have of Great Plains Wheat noted to the whea t a ccording to world demand. fallen by a third because of International Trade Committee in This would be against US interests, devaluation. Washine:ton last month. since it holds the predominate As a consequence of such forces, "ECC policy," he said, "has cut supplies of wheat. agricultural exports have risen not ooly into U.S. markets for grain 40% above the '71-'72 fiscal year. within the Community, but into "But it's been US policy in the The US remains the only holder of other markets, principally in the past not to go for the price," Kunz wheat in the world and seems to Mediterranean area and Eastern said. have negotiating strength for the Europe where the US was unable to international talks. compete against unrealistically But economist Harold Riley of subsidized prices." Ag Exports Reduce '73 Deficit US exports of farm products Western Europe took a record Exports of soybeans and soybean totaled $12.9 billion during the $4.5 billion worth of US products, at $3.1 billion, were $1 fiscal year ending June 30, 1973, agricultural exports in fiscal 1973, billion higher than in fiscal 1972 boosting the Nation's agricultural compared with $3.0 billion worth a and accounted for a fourth of the trade surplus to a record $5.6 year earlier. Grains and soybeans overall increase in US agriculbJral billion, the US Department of tormed most of the increase pri- exports. Volume of bean exports Agriculture announced early last marily because of more livestock jumped to a record 506 million bu., month. production in' West European compared with 431 million bu. in This favorable trade balance, a countries. fiscal 1972. Value jumped two- gain of $3.6 billion over fiscal 1972, Farm product shipments to the thirds to $2.3 billion because of partly offset the US trade deficit of Soviet Union amounted to slightly higher prices. $100.00 OR MORE $9.1 billion in non-agricultural over $900 million, but the increase Soybean meal"shipments rose to 6% - 5 Year Maturity products, reducing the total trade over the previous year's level 4.9 million short tons valued at $693 61h% -10 Year Maturity 7% -15 Year Maturity deficit to $3.5 billion. Fiscal 1973 accounted for only 16% of the total million. Soybean oil exports totaled agricultural exports were 60% rise in US agriculbJral exports. about 1.1 billion lbs. -- 440 million $1,000.00 OR MORE above the previous year's level. Most of the increase occurred in lbs. less than a year earlier. ~% -10 Year Maturity Farm imports amounted to $7.3 wheat shipments, which totaled 345 Exports of animals and animal $5,000.00 OR MORE billion, up 21%. million bu. valued at $563 million. products were up one-third to a 7112%- 15 Year Maturity Major factors in the record Feed grain exports to Russia record $1.4 billion. Cattle hides export total were the continuing rose to 3.5 million tons -- 1 million rose to $375 million, more than upward trend in world demand and tons more than fiscal 1972 ship- double the fiscal 1972 level. Meat a poor 1972crop year in many parts ments. Soybean exports totaled 31 and meat product shipments were of the world. Increased volume of million bu. valued at $119 million, valued at $307 million; up 73%. shipments accounted for 60% of the compared with none a year earlier. Substantial increases occurred in US export gain, and higher prices Developing countries in Asia pork exports to Japan and in beef accounted for the balance. increased their imports of US farm shipments to Canada, Japan, and products from $1.6 billion worth in the Caribbean. Exports of poultry Growing Markets fiscal 1972 to $2.2 billion worth in products rose nearly one-fourth to Tjlis is neither an offer to sell nor a solicitation to buy these The Department's Economic fiscal 1973. Exports to Latin $100 million, with most of the in- securities. The offering is made only by the prospectus. Research Service says that un- America topped the $1 billion level crease occurring in shipments of ------------------------------- favorable weather in the Soviet for the first time. Grains and turkeys, eggs, and egg products. I Clip and mail this coupon to: IRe 1 M •. A. MORRILL Farm Bureau Services, Inc. FaRm w...MxlF.rmConweRm BUreaU r;t 11 Union, Southeast Asia, Australia, and parts of America re uc d Africa ed harvests an soybeans were the biggest exports and Latind to both areas. Exports to Africa, where many countries were suf- Cotton exports, at 4.7 million bales, were the highest since 1964, primarily because of increased I P. O. Box 960 ,necessitated larger imports. fering from drought conditions, consumption in most textile I Lansing, Michigan 48904 FARM BUR£AU 8BMCE8.1NC Demand for US protein meal was were up only about 88%. manufacturing countries and tight. I I I would like a copy of the prospectus and a call by a registered high because of reduced export The People's Repu blic of China availability in Peru, where the became a significant world supplies. Shipments of market, tobacco, including bulk smoking I sales agent. anchovy catch dropped taking over $200 million worth of tobacco, rose 6% to 591 million lbs .. I NAME significantly, and in India and US farm products. Cotton exports, ~:c~~:~. Value rose 12% to $640 million m m m _ I ROAD m m RFD # m where peanut production valued at $78 million, were the because of higher world prices. most important, followed by corn The United Kingdom accounted for \ CITY cau NTY / ealr""~~~~sei~ f::,~~;" d :~~I~ ~~: and wheat shipments valued at $60 million and $36 million, respec- most of the increase in exports of flue-,cured tobacco, but Japan, , PHON E - ~ countries permitted them to im- tively. New Zealand, Switzerland, and ,-----------------------", port more US agricultural Most Commodities Up Belgium also took more US products. Foreign demand for US Of all major commodities ex- tobacco. farm commodities has been rising Cattle Feeders Beware as a result of rising incomes, ported by the United States in fiscal 1973,only shipments of dairy especially in the industrially products and vegetable oils were Livestock producers shoold not and NPN compounds can be feed breeding herds a combination combined with corn silage and developed countries of Western Europe and in Canada and Japan. below the value of fiscal 1972 ex- Europe Grows other feeds .. ports. Grains and grain products, of apple pomace and a nonprotein Also, last year-'s dollar totalil!g $~.3 billion, accounted for nitrogen (NPN) source such as The scientists are continuing devaluations and the resulting over half the increase over fIscal More Corn their sbJdies to determine why currency realignments enhanced Researc hers of the U .S. 1972 exports. Shipments of wheat Increased corn production in pomace and NPN do not appear to the competitive pCX5itionof our and wheat products were valued at Department of Agriculture be compatible. Western Europe may cause a drop agricultural exports in world $2.4 billion. in U.S. exports there in the future, (USDA) at Virginia Polytechnic markets. Feed grain exports rose to 35 the U.S. Department .of Institute warn that pregnant cows fed this combination may go off feed, lose weight, abort, or produce URP Agricultural exports to all major markets increased substantially, million tons from 21 million a year earlier. Japan imported 8.4 million Agriculture has reported. With great expansion of French corn Burping cows must rank as the but those to Japan, Western tons of US feed grains--twice as production, Western Europe output small weak, or abnormal calves. number one source of air pollution Europe, and the Soviet Union much as in fiscal 1972--and the is expected to more than double by With the price of feeds in- in the US, the Environmental accounted for most of the rise. European Community took over 10 1980, causing a stabilization of creasing, more producers may Protection Agency says. The EPA Exports to Japan totaled $2.3 million tons. import needs roughly 13% below switch to substitute feedsbJffs like contends that cows burp 50 million billion, an increase of fJl% over last Increased livestock production present averages by 1976. Sales pomace and NPN. Apple pomace tons of hydrocarbons into the at- year's level. Only three years ago, in most developed countries and during 1972 are considered ~ell can still be fed with protein sup- mosphere every year, and fur- Japan became the first billion- reduced crops in Australia and above average exports, implymg plements such as soybean meal, thermore, that 10 cows burp dollar country market for US farm Thailand also contributed to the even a sharper drop from that linseed meal and cotton seed meal enough gas to heat a small home. commodities. rise in US feed grain exports. level. SEPTEMBER 1, 1973 MICHIGAN FARM NEWS PAGE 9 End of Rural Lines What. is No-Fault Auto In- surance? How is it going to change auto insurance in presentation created by Farm Bureau Insurance Group. After briefly outlining the current and Social presentation through Groups, is available your local Farm the must divorce the railroads from (continued from page 1 ) the conglomerate." Michigan? What's the dif- "tort" auto insurance Bureau Insurance agent. Or, input from agriculture," Barnett The agriculture spokesman also ference between auto insurance coverages, the presentation you can write to: Com- said, apparently favoring the feels railroads put the cart before now and No-Fault which explains the coverage changes munications Department, slower approach to solution. the horse by expecting business becomes effective October I? in detail. Farm Bureau Insurance Group, before they provide good service. These questions are answered Designed expressly for 7373 West Saginaw Hwy., But Magoon reminds that the in detail by a slide/tape Community, School, Church Lansing, Michigan 48904. A Bigger Problem railroad can be abused too. "There The Penn Central crisis is only the tip of the iceberg of a long was one case," he said, "in which you will receive nothing under this standing problem. A variety of transportation companies in the railroad was being used in one area only as a negotiating wedge, No-Fault: Part 2 coverage. No deductible options are available. And limited collision M.ICh'Igan f'lI e d to t he ICC f or to bring down trucking coots. Yet, it was rarely used by customers." (continued from page 6) 1) Regular Collision Coverage is not enough when a lien-holder (you will automatically have this if e with a a.d~ed that. the pote.n~al for i~ef- Without concerted efforts to save driver is "at fault". pays for damage to your auto only family, represent greater potential flclent busmess deCISIOnscausmg rail routes by some means farm- Three Collis,ion Coverage Op- when caused by an "at fault" loss. And rates ha ve been adjusted profits to be drained from a -. '. tions : driver. If you are "at fault" accordingly. transportation company into er~ ,may b~ sa¥~g the sam.e another firm in the conglomerate thmg a Lansmg raIl passenger saId were obvious about the AMTRAK system, 19-year-olds Must Apply for Rider " .. "Under the old system, railroads If you ~an~, pure an~ sl~ple didn't arrive on time. Now they This month, some Michigan reflected in the November billing dent is enrolled on the rider, he or transportation, he saId, you don't arrive at all." Farm Bureau subscribers to Blue for the parents: she must continue on this coverage Cross and Blue Shield will receive . Members who ha ve a mentally until age 25. At that time they may a mailing regarding dependents on or physically handicapped 19-year- transfer back to the family con- their contract who are 19 years old old can maintain this dependent tract and be continued indefinitely No-Fault Orientation this year. on the family contract. If they as a dependent providing eligibility Dependents are removed from desire to do so, they must obtain is maintained. the parents' contract at the end of and complete a special application Application to maintain the the calendar year in which they card from their local county Farm handicapped dependent on the Offered to Directors reach the age of 19. If the.depend- Bureau secretary. family contract can only be made Coverage for the mentally or at ages 19 or 25 for Farm Bureau ent meets the following eligibility Five No-fault orientation will conduct the meetings. The requirements, the parents may physically handicapped young members presently enrolled. seminars ha ve been scheduled dates and location are listed below. wish to continue coverage by adult is also available through the For additional information, during la te August and the first a pplying for a Family Continuation use of the Family Continuation contact your local county Farm Districts 4 and 7, Tue., Sept. 4, rider. However, once the depen- Bureau secretary. half of September to acquaint Grand Rapids; Districts 6 and 8, rider. County Farm Bureau Directors Mon., Sept. 10, Saginaw; Dist. 3 - Between the ages of 19 and 25. + with Michigan's new auto in- and 5, Tues., Sept. 11, Howell; and -- Unmarried. surance law. Dist. 1 and 2, Wed., Sept. 12, - Having legal residence with Marshall. the pa rents. The sessions are designed to County Directors not previously - An income tax dependent and provide advance information to county leadership regarding No- contacted but interested in at- reported as such on the most tending one of the meetings should recent return. OFFICE CALLS , Fault and its effect on Farm make reservations with Terry N. This will ena ble the dependent to Bureau members around the state. Buckles, Farm Bureau Insurance continue the coverage held Michigan Farm Bureau's State Group, 7373 W. Saginaw Hwy., previously under the family Directors and staff personnel of Lansing, Michigan 48904, phone contract until the age of 25, QUESTION: I will be 65 years old in 1974. How do I transfer my Farm Bureau Insurance Group (517) 371-2200. providing, of co~rse, the young coverage to the Blue Cross-Blue Shield plan which complements the adult maintains eligibility. Medicare program? Members may apply for this rider by returning the selection ANSWER: If Blue Cross-Blue Shield has a record of the month of card included in the mailing to your birth, you will be transferred, automatically, to the 65 plan if you their county Farm Bureau are covered by Parts A and B of Medicare. Michigan Farm Buearu secretary. Coverage for depen- requires that all member subscribers who are eligible for Medicare dents under the Family Con- enroll in the program. tinuation rider becomes effective Those member subscribers not having their birth day and year in January 1974. The coot of the recorded by Blue Cross-Blue Shield will be contacted by them to obtain rider is approximately half the this information. The transfer will then take place in 1974. ~ng~ su~criberrate and will be ~~~~~~~~~~~~~~~~~~~~~~~~~~ Now available at Kroger stores <-s throughout Michigan ..• uFlorida's Best" frozen concentrated orange juice in 6 and 12 ounce sizes. You have enjoyed '~~1~~~'t:'%~~*<..~1'>. ",~.:.,.: ...,...,=. "Florida's Best" citrus through our farmer-to-farmer marketing program, now that same great Modular Homes by Aliied William P. Richards Route #5 flavor is available frozen from your friends at Florida Farm Modular Homes by Allied are If you are thinking of a St.. Johns, Michigan Bureau - packers of ''The Good Stuff." built with rugged construction. compact home for a cottage, Regular 4/12 roof lines - 48879 for future retirement or a Get Some A Anderson wood windows. Aluminum eves and soffits to larger home for a family with a choice of dry wall or panel COMPONENT OF ~er Today! /!:fA. save you future painting problems. Well insulated to reduce your heating cost. interior walls, please write for more information. ~~~ PAGE 10 MICHIGAN FARM NEWS SEPTEMBER 1, 197~ Workshops Set for Fall Meets Farm Bureau Women are "What and How" workshops for currently developing plans for specific projects, including safety, their district Fall meetings which public relations and. commodity begin in late September and promotions, and legislative ac- continue through October. tivities. The meeting will wind up Designed to attract women who with the film, "Strangest Secret," are interested in becoming in- by Earl Nightingale. volved in action programs, most Women are urged to mark their district meeting agendas will fall district meeting date. on their follow the same pattern, with the calendars now and should contact Ottawa County Farm Bureau blueberries, apple sauce; apple accent on their "Answer Challenge their Women's Committee for Women effectively illustrated that juice, cherries, fresh eggs, canned Today" program of work. times and places. "Food is a Bargain" during a ham, and coupons for ice cream. A Propaied plans call for reports Dis. 1, Oct. 18; Dis. 2, Oct. 23, commodity promotion at the Berlin clock showed fairgoers when the from county Women's Com~ittees Dist, 3, Sept. 27; Dist. 4, Oct. 17; Fair recently. next drawing would be held. on their successes during the past Dist. 5, Oct. 15; Dist. 6, Oct. 16; Posters told the agriculture story year and plans for the future as Dist. 7, Oct. 22; Dist. 8, Oct. 25; to urbanites by showing farmers' CITY PEOPLE REACHED well as style review and han- Dist. 9, Oct. 3; Dist. 10E (Council investments, a cost comparison of dicrafts display during the morn- and Workshop), Oct. 2; Dist. lOW, food and other products production The Berlin Fair draws heavy ing program. Oct. 24; Dist. llE, Oct. 12; and cost figures, farm efficiency and crowds from Grand Rapids and the Afternoon agendas will feature Dist. 11W, Oct. 11. farm problems such as taxes and Ottawa Women were pleased with adverse weather. the number of people reached with A miniature farm with price tags their project. "We wanted to attached to the equipment was a create a friendly but informative revelation to the adults, and a live atmosphere and I think we did. hen and her baby chicks were a Many of us had conversations with delight to the children, reported consumers. Being a ble to promote Ottawa County Women's Chair- our own commodities and reaching man Alyce Heft. Recipes featuring the pu blic to tell our story was a pork, dairy products, vegetables satisfying experience," Mrs. Heft and apples were also well- said. received. The promotion was also termed a grea t success from the standpoint TALKING COW of member involvement. "We had Leonard Schwallier, fruit; Mrs. from two to six workers manning Curt Eubank and Mrs. August A walking-talking cow, passing the booth at all times, both men Busman, dairy; Mrs. Don Engle out half-pints of milk in miniature and women--some who had never and Mrs. Paul Courtade, eggs and barn cartons, created much in- belonged to a Community Group or poultry; Mrs. Albin Lothschutz and terest among the fair crowds. attended a Women's Committee Mrs. LaVern Umlor, pork; Mrs. Furnished by Grocer's Dairy of meeting," Mrs. Heft reported. Lyle Hanchett and Mrs. Ken Grand Rapids, 1200 of the milk- "They were willing to work and did Willard, beef; and Mrs. Vern filled barns were distributed by the it on their own. Some expressed a Brouwer, blueberries. friendly cow. A drawing every desire to do it again next year. Each chairman was responsible .hour drew big crowds to the Farm for obtaining products for the Bureau booth. Using the "you must CHAIRMEN drawing, their own promotion be present to win" method in the Chairmen of the vanous com- material and recipes, and con- Bean Queen Scene hope that people would return and modities were: Mrs. Ben Bosgraaf read another paiter, the women and Mrs. Gerrit Bolt, vegetables; tacting growers of the same commodity to serve on the com- Saginaw County's Bean Queen, Karen Rief (center), and her court, awarded celery, sacks of onions, Mrs. Robert Reister and Mrs. mittees. r I .. Stephanie Wirostek FOR SALE — REGISTERFD RAMS. Ram FOR SALE:25Hol Vac Heifers due Base Mon., sale. Michigan State University, East Lansing, 15 Hoi open Heifers breeding age, 25 Hoi Vac Michigan. September 14 and at Ram Truck 4001b. Ed W. Tanis, Jenison, Michigan, Phone: ELIMINATE moles, gophers quickly, easily, HARLEY ROCK PICKERS. Picks 1 to 16" Stops at Clair and West Branch, September 15. M09-9226. (7-3t-25b) inexpensively. Guaranteed method! $3.00, "CHUCK WAGON GANG" Records. Giant diameter, dirt free. Rock Windrowers: 10 and Contact county Extension office or write Danhaven Farms. Box M2608, Vancouver, WA. package. Five new collector's longplay stereo 20 feet. Earl Reinelt, 4465 Reinelt Rd.. Michigan Sheep Breeders Association, 204 MILKING SHORTHORNS: Young Bulls. 98661. <8-12t-14p) albums. 50 great old gospel songs sung by the Deckerville, Mich. Phone: 313-376-4791. Anthony Hall, Michigan State University. East yearlings and calves for sale. Write for original group. $9.95 postpaid. Keepsakes. <6-10t-20p) Lansing. Michigan 48823. (9-lt-46b) tabulated pedigrees or better yet, pay us a 202MF, Carlsbad. Texas 76934. (2-tf-28b) visit. Stanley M. Powell and Family, Ingleside Farm. Route #1, Box 238, Ionia, Michigan 48846. (7-tf-33b) SHEEP DISPERSAL - 75 Registered Head. SAUSAGE MAKERS, GREAT'. RECIPES. - FREE BROCHURE. TRAILERS - Complete dispersal of entire flock. A real PUREBRED CHESTER white and yorkshire Bologna. Frankfurters. Head Cheese, Sum- "GOOSENECK or FIFTH WHEEL type" ELECTRIC POWER PLANTS Ac and DC by opportunity to start or add to your flock. 20 breeding stock for sale, satisfaction guaran- mer, Blood and Pork Sausage. $1.00. Pincor. Tractor PTO. Portable and Stationary Livestock, Flatbed, Dump or Utility Hanover years of careful selection has put this flock teed. Phone: 313-971-1804. 4100 Stone School Hamiltons. Box 233-1319. New Ulm. Minn. Trailers. TRAILITE, INC., P.O. Box CA-212, Engine Plants, Camper Units, Battery together. Many champion bloodlines. Ewes -11 Rd., Ann Arbor, Bill McCalla. (8-6t-20p) 56073. (9-lt-20p> Chargers, Designed for Heavy Duty Motor College Station, Texas 77840. 713-846-3749 Hampsires. 8 Suffolks. 5 Dorsets, 4 collect. <8-4t-25p) starlings. Also Electric Motors. Heavy Duty ("orriedales. 24 Montadales. Several Ewe and for Home. Farms or Industry. Discount priced. Ham I^ambs. Aged and Yearling Ewes, Aged Decatur Electric Motor Service, R#l, Box 281, ;ind Yearling Rams. Saturday, September 29. Decatur, Michigan 49045. i5-tf-48b) WE SELL, erect and service: Smith Silos: 1973 at 12:30 P.M at the Fairgrounds at Charlotte. Michigan. Kenneth L. Baur and Sons. R»6, Charlotte. Michigan 48813, Tel-517- Advertise in the Silo-Matic Unloaders and Feeding Equipment: 543^752. Terms Cash. Visit. Call or Write for Schuler Bunk Feeding Boxes; Kasten Forage STIFF ENVELOPES. Average $25.00 hun- more information Auctioneer - Harold dred. Immediate earnings. Beginner's Kit, Boxes. Blowers, and Gears. LAURSEN'S Dingman. Bellevue, Tel-517-763-9290. INC. WEST BRANCH, MICH. 517-345-1400. (8- 6t-27p) (9-lt 106b) Farm Bureau Market Place $1.00 (refundable). Lewcard, M392FN. Brea, CA. 92621. (2-12t-15p) PAGE 16 MICHIGAN FARM NEWS SEPTEMBER 1, 1973 what gQu'l'egetting Enacted by the State Legislature and signed into law by I Governor Milliken, No-Fault Auto Insurance becomes effec- tive October 1, 1973. If you own a car, bus, truck or trailer, you must carry three new auto insurance coverages: Personal Injury Protection, Property Protection Insurance and Residual Liability. You're paid for all your reasonable medical end hospital ex- penses resulting from an auto accident, for life if necessary, and both physical and occupational rehabilitation if needed. If you can't work, you get 85 % of your income loss up to $1,000 a month for up to three years. Because insurance benefits are tax-free, the 85 % approximates your take-home pay. This can include payment (up to $20 a day for up to 3 years) for someone else to perform services normally done by the injured person. Maximum payment for the combined income loss and substitute services is $36,000. As a special benefit to farm operators, Farm Bureau's Substi- tute Service Benefits include the expense of replacement labor. This labor must perform services that would normally have been handled by the injured farmer. The $20 a day benefit must also be included in the $1,000 per month lost income limit. Dependents of the deceased will receive Survivors' Benefits 5 for as much as $1,000 a month up to three years (maximum $36,000). Lawsuit protection is included in your policy. You can sue another driver or he can sue you but only if there is "serious impairment of body function, permanent serious disfigurement or death" ... or if injury losses resulting from an accident are more than No-Fault coverage pays. Farm Bureau Insurance offers two options for Loss of Wages. 7 By selecting not to receive wage loss payments for the first 7 days of any disability premiums for Loss of Wages, coverage canoe reduced 200/0 ... an annual savings of $3 to $5. Premiums can be reduced 35 % for Loss of Wages coverage by electing not to receive wage loss payments for the first 14 days of any disability. Yearly savings would range from about $5 to almost $9.. Collision coverage remains optional, but has changed sub- 8 stantially under No-Fault. Drivers cannot expect to recover Collision damage costs from the other driver's insurance company. Payment must come from your own insurance com- pany. If you currently have a Collision deductible, or are not ca~rying Collision coverage, you'll have to pay all or a portion of your own loss regardless of "fault." New Collision options have been developed to pay all of your collision costs if the other driver is "at fault." Regular Collision Coverage (you will automatically have this if you carned CollISIOn coverage with us before No-Fault). Regular Collision pays for damage to your car ... above your deductible ... regardless of "fault." You pay the deductible ... regardless of "fault." 1\ Broadened Collision Covera~. If the other driver is "at fault," 1., Farm Bureau Insurance Group pays your deductible. If you currently have a $50 deductible, Broadened Collision coverage would cost you $10 more a year. With a $100 deductible, the coverage would cost you $20 more a year. With a $250 de- ductible, the coverage would cost you $50 more a year. Limited Collision Coverage pays for damage to your auto only II when caused by an "at fault" driver. If you are "at fault" will receive nothing under this coverage. No deductible you op- tions are available with this coverage and price varies with the age and value of your car. FARM BUREAU Naturally, this isn't the whole story. These are No-Fault Auto Insurance basics. If you're a Farm Bureau Insurance Group auto INSURANCE policyholder, you'll be getting the whole story in your mailbox this month ... Declaration Pages, explanation brochures, policy GROUPM endorsements, itemized coverage by coverage costs. Read the material carefully. If you have any questions call your Farm Bureau Insurance agent. He's recently undergone special No-Fault Farm Bureau Mutual • Farm Bureau Life training. He's got the answers. Community Service Insurance • Community Service Acceptance