Health MDA warns: Insurance Costs: Limit use of No Easy Answers DEETonskin The high cost of health insurance is a continuing problem for many self-employed Consumers should limit the use of insect individuals. Indeed it's a concern for society as a whole. Health care costs are rising for repellant containing high levels of not just the self-employed, but also for employers and the federal Medicare/Medicaid diethyltoluamide (DEET) on children due program. to possible health dangers associated with the chemical, according to officials with The American Farm Bureau Federation has sound, positive, member-developed policy the Pesticide and Plant Management Di- recommendations for addressing the high costs of health insurance. Those policy vision of the Michigan Department of recommendations include support for: Agriculture (MDA). • Seeking every possible effort to affect cost management while providing Adverse health effects include headaches, accessible high quality health care. restlessness, crying spells, mania, stag- • Legislation to allow 100 percent federal income tax credits or tax deductions for gering, abnormally rapid respirations, those who self-finance their health insurance. convulsions, and coma. • Greater use of non-physician providers to help relieve the inadequate distribu- Concern about Lyme disease, which is tion of personnel in the medical profession. transmitted by infected deer ticks, may • Privately funded optional care delivery systems such as health maintenance prompt more people to use insect repel- organizations. lents containing DEET this summer. • Reducing medical malpractice insurance costs and abuses. Although repellents ward off mosquitos and infectious ticks, those repellents Our policy opposes the popular "quick fix" solution to high health insurance costs, such containing DEET in high concentrations as a national health insurance program. The Canadian health care system is often profiled can be hazardous if used improperly. as a model of how health care should be provided in the United States. But a recent analysis of Canadian health care by John Hosemann, senior economist with the According to MDA Toxicologist, Dr. American Farm Bureau, shows that the system doesn't work for the people who need it Michael D. Wade, children are particu- the most-the critically ill. larly susceptible to the dangers ofDEET. "We recommend applying product spar- On page 10 of this issue of Rural Living, you'll find an article entitled "Canadian Health ingly to exposed clothing or skin, he said. Care-All Is Not Well." In it Hosemann points out that Canadian health care is rationed, "If application to skin is necessary, prod- not by cost, but by time. One physician survey showed an average 2Y:1month wait for ucts with lower concentrations of DEET, mammograms and a 6-10 month wait for hip replacement. usually 15 percent, are best." Those of us living in Michigan have, no doubt, read the media accounts of Canadian In case of internal consumption, consumers citizens, desperate for a procedure like open heart surgery, who payout of their own should contact a poison information center pockets to have the operation done in Detroit. Clearly, something has to be done to control or an emergency department of a hospital. health insurance costs in our country. But adopting the obviously inadequate Canadian In addition to children, the EPA advises system is not the answer. discretion in DEET use for persons with While your Farm Bureau organization continues to work on long term solutions to the acne, psoriasis, atopic predisposition, or high costs of health insurance, I encourage you to review the informative insight that other chronic skin conditions. Hosemann provides in his analysis of the Canadian health care system. You'll learn that For further information, contact: indeed, all is not well. Dr. David Wade, Toxicologist, MDA's ja4t~ Pesticide and Plant Pest Management Division, (517) 373-1087. Jack Laurie, President Michigan Farm Bureau RURAL LIVING • SUMMER 1991 1:= A Publication of Michigan Farm Bureau The Biggest Sale Summer 1991 ot MICHIGAN FROZEN FRUIT and the Best, Selection You" Photo: Michigan Travel Bureau See All Year! In This Issue 6 STEWARDS OF THE LAND Family farms serve as caretakers of the earth 10 CANADIAN HEALTH LOOK FOR CARE SYSTEM Is free health care a viable alternative? SAVINGS ON: Blueberries 14 TO WRITE IT RIGHT, YOU GOTTA FEEL IT! U-Bake Croissants A newspaper reporter "adopts" a cow! Orange Juice Of Special Interest Order by WEDNESDAY WESTVIEW ORCHARDS: August 14 A FAMILY AFFAIR A 178-year-old farm is all in the family (One week earlier than last year) Rural Living is publiShed quarterly by the Michigan Farm Bureau Information and Public Relations Division. Publication and editorial offices at 7373 West Saginaw Highway, Lansing, Michigan 48917, Post Office Box 30960 (zip 48909); phone 1-517-323-7000. Subscriptions: $1.50 per year to associate members, included in annual dues. $3 per year, non-members in Michigan. $5 per year, non-members out-ol-state. Publication No. 345040. Established Jan. 13, 1923, as Michigan Farm News, name changed to Michigan Farm News Rural Living, Dec. 1, 1981. Third-class postage paid at Lansing, Michigan and at additional mailing offices. For more details and a full list of items, Editorial: Dennis Rudat, Editor and Business Manager. Staff Contributors: Cary Blake; Mike Rogers; Connie Turbin; contact your county Farm Bureau Donna Wilber; Henry Huisjen. marketing coordinator, or call Officers: Michigan Farm Bureau President, Jack Laurie, Cass City; Vice President, Wayne Wood, Marlette; Administrative Director, Charles Burkett; Treasurer and Chiel Financial Officer, Tom Parker; Secretary, William S. 1-800-292-2680 Wilkinson. Directors: District 1, Marlin Outman, Constantine; District 2, Blain VanSickle, Marshall; District 3, Diane Horning, Manchester; District 4, Tom Guthrie, Delton; District 5, Mark Smuts, Charlotte; District 6, Wayne Wood, Marlette; _ mICHIGan'S District 7, Larry Snider, Hart; District 8, Richard Leach, Saginaw; District 9, Joshua Wunsch, Traverse City; District 10, Margaret Kartes, West Branch; District 11, Robert Wahmhoff, Baraga. At-Large: Douglas Darling, Maybee; Jack FaRm BeST Laurie, Cass City; Faye Adam, Snover; Jan Vosburg, Climax. Promotion and Education, Holly Porter, Manchester. Young Farmers, Steven Gonyea, Spruce. RURAL LIVING • SUMMER 1991 the Science Olympiad, National Honor Farm Bureau Insuranc~MHSAA Society, Methodist Youth Fellowship and band while also volunteering for commu- Spring Athletes Named nity services. Micah maintains a 4.0 grade point average and plans to attend Hillsdale College, majoring in foreign studies/inter- national relations. Micah wrote in his essay: "As I continue on to college and later an occupation, I am looking forward to using my skills I have gained through my involvement in aca- demics, athletics, music, Boy Scouts and my other interests. These experiences will help me deal with all aspects of our society and by combining the importance of know 1- edge and the competitiveness of athletics, I know I can become a productive and ma- ture adult." According to MHSAA Executive Director John E. Roberts, there was an outstanding field of finalists for the award. "The bal- ance these young men and women have shown in their careers underscores the fact that high school students should take ad- vantage of all the different opportunities Naomi An and Micah Porter received their MHSAA Scholar Athlete Awards during they're presented at this time in their lives the state baseball and softball Championships in Battle Creek, from Farm Bureau rather than specialize in a given activity." Insurance's Larry Thomas Oeft) and MHSAA Council Representative Nancy Clark (right). A rather unusual occurrence is that Porter is Naomi M. An, Birmingham-Groves High Naomi An lettered in both tennis and soc- the second consecutive Scholar-Athlete School, and Micah A. Porter, Stockbridge cer, and is involved in forensics, band, winner from Stockbridge High School. High School, were selected by a panel of drama and serves as secretary of the Na- Dean Woolcock earned the honor for Win- educators as recipients of the Spring Michi- tional Honor Society. Naomi has served her ter sports. gan High School Athletic Association community well in walk-a-thons and as a (MHSAA) Scholar AthleteAward, a$1 ,000 hospital volunteer. She plans to attend the Other finalist were: scholarship sponsored by Farm Bureau In- University of Michigan to study mechani- Bryan Rellinger, Alanson-Littlefield surance. Naomi and Micah competed cal engineering. Leah E. Brecheisen, Petoskey against 163 applicants (95 women and 68 Tom S. Rohdy, Roscommon men) divided among eight geographic re- In her essay, Naomi wrote: "With so many Stephanie Walton, Traverse City gions in Michigan. activities, I cannot extol the virtues of every Steve A. Crowley, Ravenna single thing I have done in the past four Jo Lynne Miller, "Helping young men and women develop years. However, the best lesson I have Grand Rapids-West Catholic their intellectual and leadership skills is as learned from these extra-curricular activi- Anthony J. Markel, Marine City important to all of us here in Michigan as it ties is the management of time. I have Laura Bell, Otisville-Lakeville is to these young people themselves," said scheduled my life so that I have the time to Randy J Logan, Richland-Gull Lake Larry Thomas, Executive Vice President of do everything I want to do in conjunction Lisa Topoleski, Gobles Farm Bureau Insurance. "We're happy to with everything I have to do." Jennifer L. Stuht, Laingsburg provide educational support for two such Michael G. Doran, Grosse lIe outstanding young people as NaomiAn and Porter lettered in cross country, basketball Shannon Loso, Grosse lIe Micah Porter. and track, and is also an active member in Christopher S. Jones, Birmingham-Groves RURAL LIVING • SUMMER 1991 Recycling Used Oil Reduces Pollution In its campaign to stop water pollution, the Texas Water Commission has released a paper on the recycling of used motor oil. "Dead Rainbows-Oil on the Water," dis- cusses the problems associated with used oil disposal. According to the paper, at varying times, 40 percent ofthe pollution in the nation's water is comprised of used motor oil, which contains lead and trace ATVs: Summertime Fun-and Danger! metals. All-terrain vehicles-small motorized rec- No passengers! "Recycling used oil does not mean to use it reational vehicles with three or four large, Don't ride double on a machine designed as a fence line weed killer or on dirt drive- soft tires-are a source of enjoyment for for only a driver. The presence of a passen- ways because it can soak through the soil, thousands of people each summer. But ger seriously impairs the driver's ability to even in landfills," the Commission states. along with the fun comes danger, andATV s shift weight in order to steer and control. The problem of oil seepage into the ground continue to be involved in far too many or into surface waters is illustrated by a Remember: Four-wheelers are more stable serious accidents as their popularity grows. number of statistics: a single quart is enough than three-wheelers. to pollute 250,000 gallons of water; one They pose a particularly severe problem in All newer models have four wheels, but pint of oil can create a slick the size of a Michigan, which ranks third-behind only three-wheeled ATVs are still in use-and football field; and one part oil to one million California and New York-in the number the risk of an accident on a three-wheeler is parts water is detectable to taste and smell. of deaths from ATV accidents. substantially greater. The Commission estimates that 240 mil- Most injuries to ATV riders result from Don't let children under 16 ride adult-size lion gallons of used crankcase oil find their overturns when a vehicle hits a terrain (greater than 9Dcc) ATVs. way into the nation's lakes and rivers each irregularity or obstacle, or rides or turns on The risk of injury to children between ages year, 22 times more oil than the Exxon a slope. 12 and 15 who drive adult-size vehicles is Valdez spilled in Alaska. twice the average risk of injury on ATVs. Here are safety reminders for ATV users: In Michigan, three bills were signed into Use helmets. ATVs are not toys. law to prohibit the dumping of used motor They save lives. A survey by the Consumer Children under age 12 should not operate oil in places other than those regulated by Product Safety Commission found that any ATV-because they typically lack ad- the Department of Natural Resources. The three-quarters of ATV drivers with head equate physical size and strength, cognitive laws (SB 454, 692, and 693) also ban injuries were not wearing approved hel- abilities, motor skills, and the perception incinerating used oil, except for facilities mets, and that more than half of injured they need to operate a motor vehicle safely. that provide energy or heat. persons wore no protective equipment- ATVs are difficult to ride and require con- helmets, gloves, and heavy boots-at all. For a copy of the paper or one of the "Uncle stant attention to avoid accidents. Children Sam Papers" series on nonpoint source account for about 40 percent of ATV-re- Avoid paved roads. pollution, write Pollution Abatement, P.O. lated deaths and injuries-and kids under Figures show that almost 10 percent of Box 13087 Capitol Station, 1700 North age 12 account for almost 20 percent. ATV injuries and more than 25 percent of Congress Ave., Austin, TX 78711; (512) deaths occur on paved roads. The accidents Take a training course. 463-8444. most often result from collisions with other Beginners should take a training course vehicles and frequently happen because from a certified instructor, and basic ma- ATVs are difficult to control on pavement. neuvers taught in training should be practiced regularly on safe terrain. Figures No alcohol. show that half of injured ATV drivers had In 30 percent of all fatal ATV accidents, less than a year's experience, and a quarter some alcohol use has been reported. had less than one month's experience. (Source: Farm Bureau Insurance) RURAL LIVING • SUMMER 1991 O n a steamy July day, I can gaze mean greater risks; good years can bring (Ex. 19:5, Ps. 24: I) and calls all people to be across the road and over a deep financial security, but bad years can be dev- stewards of it. It was clearly God's intent to green field of sweet corn as it ripples astating. Like most people, farmers work to see Adam and Eve as his servants, ruling the in the breeze. Beyond that, the alfalfa is make a living. Their goals are often more world, providing for themselves from it, and greening itself for a second cutting. Around lofty than that. Yet there is also great pride in caring for it in a manner equal to his care in the house, the field corn grows now where a providing food resources for the rest of the creating it. stand of winter wheat was overturned. Grains world and in carefully tending the land that of oats are beginning to swell in the field up God has given them. We cannot appreciate God's creation without the hill. Once again, by the grace of God and also experiencing a growing desire to care the work of the farmers, the rolling hills of The Mandate from God for it. As stewards of the land, we have an Wisconsin are a beautiful sight. God commanded Adam and Eve, in the early obligation to make the best possible use of days of the world, to "be fruitful and multi- what God has placed in ou~ hands. For the Today, farming is big business. The lines of ply, and fill the earth and subdue it" (Gn. farmer, that means to produce efficiently and distinction between the family farm and the I :28); Genesis 2: 15 says, "The Lord God effectively the food needed for a growing corporate farm are no longer so clear. Family took the man and put him in the garden of world population. farms grow larger by the generation; the Eden to till and keep it." This was and re- subsequent investment of time and money mains God's world! At several points, God In all occupations, there are those who are increases with that growth. Greater volumes claims his continued ownership of creation not as careful or as conscientious as they RURAL LIVING • SUMMER 1991 should be. Some farmers, like many others, Even so, the dilemma remains. Quantity and have made mistakes in caring for the world, quality are not possible without the use of and some will continue to work the land in chemicals and modern technology. Our farms ways that are destructive. For the most part, are able to produce crops without chemicals, however, farmers realize that they reap what but consumers may not be ready to accept they sow - not only in terms of seed but also lower quality at higher prices. At least until in the care of the world. technology advances beyond current levels, we may be forced to accept products of lesser The Moral Dilemma quality and/or greater price, or the starvation A bumper sticker claims, "Farming is of many of the world's people. everybody's bread and butter." That state- ment is the crux of the problem that farmers With greater investment and technology, face today. How is it possible to produce the farms in the United States have increased great quantity and high quality of food that stewardship of the land by greater diversifi- everybody demands while still keeping that cation and more possibilities for crop rotation. food affordable? Brian Tenpas, another church member and farmer, never plants his field with the same A larger population in the world and a smaller crop two years in a row. Variations include percentage of farm-employed persons means alfalfa, feed corn, wheat, and oats, as well as that each farmer must produce a larger share fields of peas, beans, and sweet corn. Recent of world resources. It also takes increased years have also seen the advent of minimum effort to achieve the quality product de- tillage (shallow plowing, fewer steps in prepa- manded and merchandised in our stores today. ration for planting) and various means of soil Add to this the need to stay cost efficient with replacement. Many farmers are now using adwindling labor force. Together, these prob- small-scale earth movers to collect soil from lems have led to increased use of machinery, ''/ hope that my the low spots to which it has eroded and to chemicals and fertilizer. return it to the resultant stoney hilltops. North kids may someday American farms have also used irrigation Former secretary of agriculture Earl Butz and tiling to allow use of land which might once told farmers that he could sell all the be farming the not otherwise be suitable for crop produc- tion. Most farmers here are also investing in corn and wheat they could raise. So farmers cleared fence lines of trees and brush and same land, and I fertilizers (natural and synthetic) to enrich farmed from road to road, up hills and down. the soil in which they plant their crops. Fall plowing was essential to jump ahead on want to keep that the many hours of work that the planting Finally, fanns in the United States bear greater season would require. Row crops were, year land in good shape scrutiny than those in many other nations. In after year, planted on the same ground. Greater most cases, to be involved in government use of chemicals to control weeds and insects for them." programs, one must devise a conservation became a necessity in order to make the plan with local authorities. Variation from effort less labor intensive. the plan will lead to stiff penalties. Farmers "My family has to drink the water from the are also encouraged to educate themselves Farmers have not, however, ignored chemi- well that draws below my land. I want to be concerning safe and proper usage of chemi- cal safety concerns. They, more directly than careful about what I put into that supply. I cals and are required to be certified for usage others, will suffer from misuse, since they eat also hope that my kids may someday be of many chemicals. the meat they raise, drink the milk they pro- farming the same land, and I want to keep duce, and consume the grains and vegetables that land in good shape for them." For their The Livestock Question they have planted. Bill Bruins, a member of own safety and security, farmers have a higher Farmers in the United States have often been Alto Reformed Church and a farmer, stated, stake in caring for the land they possess. accused of wasting good grains on animals RURAL LIVING • SUMMER 1991 B while those same grains could be animals, and to create a higher per- used to feed human beings. While centage of meat per carcass. it is true that animals eat some grains which might be used in other Additionally, many farmers are also ways, it is also true that animals eat returning unusable land to wet- many plant products that are not lands, grasslands, and woodlands usable to human consumption for the benefit of wildlife. Some of (green corn stalks, for example), this is voluntary, while government and there are thousands of acres of rulings will provide additional de- land that are suitable for grazing mands as well as supplements to but which are unfit for cropping. those who comply. No existing wet- There are also replaceable prod- lands may now be drained or ucts (dairy, for example) which we developed for farm use. Through use and the animals must have a nutritional various programs, about 35 million acres diet for production of these resources. When the animal is no longer productive, the obvi- Farmers must have been idled in the past few years. Farm- ers are also working to control barnyard ous recourse is to eat its meat. Animals are also our best source of natural fertilization depend on the run-off and to limit fall plowing and other abuses of the land that have contributed to products. Farm animals also provide raw materials for clothing and for other products development of erosion and pollution problems. used in our homes. new products to Extra care and precautions usually mean more work and greater cost, but we all reap the The Challenge of the Future There are many ways in which our farmers stay on the cutting benefits. Much has been done to correct the errors of the past and much remains to be are hoping to meet the criticism of this de- cade and still provide the quality and quantity edge. These, too, done. Farmers have often been quoted to say, however, "If we take care of the land, it takes of produce which we are demanding. The • greatest hope is in the emerging areas of may bring care of us." biotechnology. Farmers must depend on the development of new products to stay on the questions with Some of that truth is found in simple logical thinking. More of that truth is found in God's cutting edge. These, too, may bring ques- which we'll need blessing upon those who are faithful to the tions with which we'll need to wrestle. Some mandate of his Word. Jesus declared, "Who- of what is being considered now to increase productivity, quality, and overall efficiency to wrestle. ever is faithful in a very little is faithful also in much; and whoever is dishonest in a very includes: little is dishonest also in much. If then you planted and harvested individually so that have not been faithful with the dishonest Degradable chemicals: Fertilizers, pesti- accurate testing can result. wealth, who will entrust to you the true cides, and herbicides are being developed riches? And if you have not been faithful that will have less carryover in the soil, Natural predators: Further study and use of with what belongs to another, who will give thus reducing the risks of soil and water natural enemies to crop-damaging insects you what is your own?" (Lk. 16: 10-12). contamination. Research is also indicating will be beneficial. more resources of "naturally occurring" God has placed in the hands of our farmers a chemicals. Better breeding of farm animals: Live- huge responsibility. In our congregation, stock products are being enhanced through people pray every day that we may be worthy Hybrids: Stronger, disease-resistant plants selective breeding and artificial insemina- of God's trust. r:= could lessen dependence on chemicals for tion. Technology may allow widespread use fertilization and pesticides. Several farmers of embryo splitting and cloning to improve The Rev. Jim Dykstra is associate pastor of in our community have test plots: each plot is milk production, to increase the meat on Alto Reformed Church in Waupun, Wis. RURAL LIVING • SUMMER 1991 Health care coverage isn't medical underwriting and simple anymore. The bottom carry no pre-existing condition line, however, remains the clauses. Prescription, dental and same: everybody wants the best vision coverage options are also possible coverage at the lowest available to qualified groups. possible rates. This is where Farm Bureau has good news If you're a small business owner for small business owners. who is dissatisfied with your present employee health care With over 40 years of experience plan - or a small business in providing individual health owner who is ready to initiate care plans, Farm Bureau is now your first employee health care offering six Blue Cross Blue plan - contact your local Farm Shield plans and two Blue Cross Bureau office. Weill listen to Blue Shield PPO plans specially your health care coverage needs, designed for groups with 2 to 99 tailor a package to suit your employees. All plans have no preferences, and then cur to the bottom line. Protecting the interests of small business Farm Bureau, specialists in by understanding the interests of small business... all business insurance needs, can be depended on to protect the interests of small business because we understand the interests of small business. What matters to you matters to us. For further information, call 1-800-292-2680 or contact your local Farm Bureau office. WHERE BELONGING MAKES A +. ; ; _ • •• Blue Cross Blue Shield Of a.ac:::HKlAN .,CH,GAN DIFFERENCE. • _. FAR. BUREAU • come to take for granted - open-heart surgery, kidney dialysis, pap test - all require waiting period of various lengths. So time replaces Canadian Health System: price as a rationing factor. The next result is that less care is demanded because some patients do not live long enough to qualify. The Technical Dilemma The Canadian system is biased against modern technology. Since the government is only will- ing to spend a certain percent of its GNP on health care, it must divide its health care among the greatest number of voters. While some complain that in the United States there is "too much" modern medical technol- ogy, the Canadian system is almost completely the opposite. As noted earlier, modern medical technology provides health care benefits to that relatively small number of patients (voters) who need critical treatment. The U.S. ranks first among eight developed nations in heart pace- by John K. Hosemann makers per 100,000 people, CAT Scanners, and kidney dialysis and/or transplants per million people. Canada ranks eighth, fifth and fifth, W ith more and more middle-income allowed to serve its rationing function since Americans losing faith in the U.S. government is the sole buyer. A sampling of the "waiting" periods health care system due to rising for Canadians who needed critical costs and higher health insurance premiums, In the United States, health care is perceived as treatments in 1988. the Canadian health care system is getting more a "free" good to health care users who either Average Waiting Time in 1988 favorable reviews in the U.S. media and among have their health care paid by "third party" politicians. But is all well in Canada? payers (employers) or those who are covered by Procedure Average Wait the federal Medicare/Medicaid program. This Mammogram 21hmonths According to Murray Turner, a Toronto con- amounts to about 75 percent of all U.S. health Bone scan 11hmonths sultant, "The cost squeeze is up here too." care users. Myelogram 3-4 months Currently, the rate at which costs are rising in Brain shunt 5 months Canada is actually a little higher than in the With governments on both sides of the border Hip replacement 6-10 months United States. The problem of health care "cost steadily expanding the demand for health care Cataract surgery 2 months containment" in both the United States and services, "something has to give." In the United CAT scan 2 months Canada points not to the differences but the States, that "something" is the price of the Pap smear 2-5 months similarities of both systems, each has violated services to those who have private care pay- Urgent pap smear 2 months basic economics. ment plans. Their costs continue to escalate. Source: Based on physician surveys by the Fraser Institute, Michael Walker, To Canadians, health care is essentially a "free In Canada, the "something that has to give" is "From Canada: A Different View- good." When anything is "free," consumers various critical services that are rationed by point," Health Management Quarterly, take unlimited quantities of it. Health care is no health service bureaucrats. People are told to Vol. XI, No.1, 1989, p. 12. exception. The "price" of health care is not wait. The health care services that we have RURAL LIVING • SUMMER 1991 respectively. For people with critical health When all the problems are added up - long ill while providing a multitude of inexpen- needs, the difference is a matter of life and waiting lists, chronic shortages of equipment sive services free of charge to those who are death. and services in many regions, tensions among only marginally ill? A. Because numerous services provided to the As one Canadian put it~"The system marginally ill create benefits for millions of people (read: millions of voters), while acute is good if you do not get sick.~~ and intensive care services concentrate large amounts of money on a handful of patients (read: small number of voters). Political pres- sures in this case dictate the redistribution of Real Issues/Real Problems health care providers and limited available tech- resources from the few to the many. Aside from the major problem of political health nology - it is easier to understand why care rationing and unavailable modem technol- Canadians who live close to the U.S. border and Q. Why are sensitive rationing decisions and ogy, it is useful to focus on some of the "real who can afford to do so, opt for health care in the other aspects of hospital management left to life" problems one encounters living under the United States. the hospital bureaucracies? Canadian health care system. Q. Why are low-income and elderly patients A. Because no matter how indefensible the Most people can get through life without criti- so frequently discriminated against in the results of this practice, the alternative is politi- cal health care problems, so most voters are rationing of acute care under any national cally impossible. As a practical matter, no happy with the Canadian system because it health insurance? government can afford to make it a national supplies them with things like over-the-counter policy that 9,000 people will die every year drugs and eye-glass exams that U.S. citizens A. Because national health insurance is, at all because they will be denied dialysis treatment pay for out-of-pocket for the most part. The times and in all places, a middle-class phenom- for chronic kidney failure. problem with this political allocation process is enon. Prior to the introduction of national health that t,he resources are spread over a large num- insurance, every country had some govern- Summary ber of voters and are simply not available to the ment-funded program to meet the health-care The reason why national health insurance small number of voters who need critical care needs of the poor. In the U.S., this program is "works" in Canada or other countries, and the treatment from time to time. As one Canadian Medicare/Medicaid. reason why it remains popular, is precisely put it, "The system is good if you do not get because it does not function the way that advo- sick." The middle-class working population not only cates of national health insurance believe it has to pay for its own health care, but also must should function. The Canadian government strategy of tightly pay taxes to fund health care for the poor and controlling physician and hospital costs not elderly. National health insurance extends the National health insurance "works" in other only means fewer services, long waiting lines, "free ride" to those who pay taxes to support it. countries for three reasons: and extensive rationing, but also tension be- Such systems are created in response to the I) The wealthy, the powerful, the most sophis- tween health care providers and the government. political demands of the middle-class working ticated, and those who are most skilled at This leads to work stoppages and, given the population, and they are designed to serve the articulating their complaints find ways to ma- nature of the monopoly, complete shutdowns interests of this population. This is exactly neuver to the front of the rationing lines. can occur in provincial health systems. In 1988, where we are in the United States today. The nurses shut down the entire system in Alberta middle class is growing evermore weary and is 2) Those pushed to the end of the rationing lines province. demanding "something." Those who really are generally unaware of medical technologies understand the issue warned that Medicare they are being denied. The reason for internal conflicts is simple. With would ultimately lead to full-scale socialized only one buyer - the government - the gov- medicine. 3) There are no contingency fees, no generally ernment is always restricting medical services. recognized right of due process, and no cadre of Restrictions lead to disagreements among com- Q. Why do national health insurance schemes lawyers willing to represent those who are peting health care sectors. skimp on expensive services to the seriously systematically discriminated against. r:= RURAL LIVING • SUMMER 1991 'AFmnil W ith both the neat geometry and 1813. And with all of the promise and The day-to-day difficulties of farming are country ambience of a patchwork problems of 178 years, the orchards have compounded by rising taxes, commercial quilt, the farm at Bowerman's remained family-owned and operated for and residential growth in the area, and the Westview Orchards in Romeo, Michigan, six generations. uncertainties of the farm economy. "Some- is worked in parallel rows of fruit trees, times it seems ~o overwhelming, but well-tended roses and flower beds, and the "Some days all the machines break down. belonging to organizations helps. It has crisp lines of farmhouse, fruitstand, barns Everything goes wrong and you feel it's gotten to the point that if you're going to be and storage buildings. Overhead, the arch- more than you can handle," admits Abbey, in farming, you have to get involved and ing sun stitches a blue, summer sky to mark speak up," says Katrina. "That's why we're time from the first light until darkness has fallen on the busy days of Westview's care- takers-Katherine Bowerman Roy, Katrina "I t has gotten to the point involved in both state and local organiza- tions like Farm Bureau and the Michigan Apple Committee." Roy and Abbey Roy-Jacobson. that if you're going to be in farming, you have to get Abbey, who left post-graduate work in The days are long; the work is hard, but for chemistry to take up farming full time these three determined women a rich farm- involved and speak up." nearly a decade ago, patterns the family ing heritage sustains them through even commitment to being on the cutting edge the longest day. In the nearly 200 acres of "Then I think about the generations that of agricultural practice. For her, adopting cherries, apples, peaches, plums and pears, came before me. My mom (Katherine) and an Integrated Pest Management (IPM) sys- some trees are rooted in the original 80 uncle got through the Depression and what tem for environmentally sound pest control acres established by Michael Bowerman in could be worse than that?" in the orchards is an approach based on RURAL LIVING • SUMMER 1991 what is best for the farm and the demanding, she says. The deci- fruitstand customers. "IPM sion to leave nursing in 1987 makes a significant reduction in and return to the farm full time the use of sprays. For the past was not made quickly or easily. nine years, we have used a "The work is hard, but this is trained IPM scout who moni- more direct," says Katrina. "And tors our orchards weekly. We the only red tape here is money. have a lot of confidence in her It's more creative and presents knowledge of our orchards. We a few more risks." also rely on the information available from the Cooperative This year Katrina will put forth Extension Service," she says. her own marketing venture at Westview's farm market with IPM practices call for careful at- the introduction of baked goods, tention to temperature, moisture, Katherine, doughnuts and caramel apples. Abbey, and Katrina reflect a heritage of pride. winds, and other environmental conditions which may foster infestations. site for the use of insect traps and phero- In the tradition of hard work handed down When these conditions combine to threaten mone ties to control insect pests. from generation to generation, Katrina re- the crop, farmers like Abbey and Katrina calls working along side her mother face very limited "action thresholds" in While Abbey serves as the partnership's Katherine and Unc1e Armand in the which to deter the crop-damaging pests or chief executive, Katrina oversees promo- fruitstand at the comer of Van Dyke and 30 blights. tion and marketing, purchasing, building Mile Road when she and her sister were maintenance and, more recently, account- teenagers. "Mother and Uncle Armand gave Abbey has also directed the installation of ing responsibilities since returning to the us a sense ofleadership and determination. a new drip irrigation system and construc- farm. With a master's degree in nursing, Through them we learned to love and care tion of a controlled atmosphere apple Katrina spent many years as a registered for Westview Orchards and we still turn to nurse and taught at Oakland University. mother for that practical sense of 'what is storage facility to keep the fruit firm and crunchy. In addition, the farm is a CES test That career path was rewarding and very right for the farm'." _= Farm Tour Day Begin your tour at any of the farms. For information, contact the Macomb County em milking parlor and dairy barns where cows and calves are cared for. Farm Bureau office at 313-781-4241. Sunday, July 28, 1-5 p.m. Ingleside Farm Katrina and the members of the Macomb Westview Orchards 8891 36-Mile Road County Farm Bureau Promotion & Edu- 65075 Van Dyke Romeo, Michigan 48065 cation Committee invite you to share the Romeo, Michigan 48065 Learn about animal agriculture and the farm experience with your famil y.You'll No Michigan family has called the same latest trends in beef production and be introduced to three of the over 600 farm "home" longer than the owners of marketing. Elmore and Joanne Higby successful farms operating in Macomb Westview Orchards. Learn about the his- and Rick and Connie Schapman will county. Visit an orchard, dairy farm and tory of Westview and the environmentally guide you through their feeder beef op- beef farm. sound ways they manage orchard pests. eration from start to fmish. Tickets for a summer day of fun on all Ward's Dairy Farm three farms-including farm tours, hay- 17105 Irwin Road ride and farm fresh snacks-are $2 for Romeo, Michigan 48065 adults (12 years and older); $1 for chil- Ice cream, cheeses, and fresh, cold milk dren; pre-school children free. Children begin on dairy farms like this one operated must be accompanied by an adult. by Harold and Mary Ward. Tour the mod- RURAL LIVING • SUMMER 1991 "To Write It Right, You Gotta FEEL It!" When Cadillac News reporter quently, Matt has been subjected Matt Seward decided to do an to a taste of what members of a article on milk prices, he did farm family regularly do as part what any smart, but agricul- of their profession. Since the ture-illiterate, reporter would adoption proceedings, he's got- do-turn to the nearest county ten sunburned hair, aching Farm Bureau president for in- muscles and calloused hands formation and guidance. But, from picking stones in a field; when Larry and Elaine Gingrich suffered through painful aller- agreed to help, Matt got far more gies while baling hay; witnessed than he bargained for ... his adopted cow give birth to a calf; spent a day with the veteri- What Matt had in mind was narian "on the back side of the more than just a single article cows" doing pregnancy tests and explaining a very complex vaccinations; and learned how topic. The picturesque Gingrich to prep and milk cows. Meadows family-owned and operated dairy farm near Leroy Cadillac News reporter Matt Seward thinks his adopted cow, Oreo, Both the adopted cow, named was the perfect place to find the must be empty because he c~n't squeeze out any milk. Not so! He area (better than her original "more" that Matt wanted. As simply needs a little more practice before he enters the celebrity name, No. 194) in a "name the president of the Osceola County milking contest at the Marion fair. cow" contest, and the adopted Farm Bureau, Larry was famil- reporter have become celebri- iar with Michigan Farm Bureau's ties in the community. Readers are getting "Adopt-An-Acre" program that offers news a very personal viewpoint of area's preg- media the opportunity to follow a com- nancy cycle and milk production averages, modity from planting through harvest and what she eats and what it costs to feed her, marketing, and share that information with and what the Gingrich family gets paid for their audiences. Elaine, who chairs the the milk she produces. Non-farm readers county's Promotion and Education Com- are learning about the originator of the mittee, remembered an Agriculture dairy products they enjoy and farmer-read- Understanding Week project suggestion to ers are asking "When can Matt come to my "Adopt-A-Reporter." The perfect solution: farm to pick stones?" Matt would "adopt" one of their cows; the Gingrich family would "adopt" him! The project has been a "real learning expe- Gingrich Meadows, across the road from rience," according to Matt, but the highlight What Matt didn't bargain for was a phi- Osceola County Park, captures the attention has been getting to know the four genera- losophy Larry had from the beginning-"To of campers and picnickers with this "Milk tions of the Gingrich family farm operation: write it right, you golla FEEL it!" Conse- puts you in a good MOOO-I)" message. Larry and Elaine, Larry's "retired" Dad, RURAL LIVING • SUMMER 1991 De Vere; son Shawn, daughter Amy Martin inspections involved in that activity; the (Matt's tough milking tutor) and her hus- use of agricultural chemicals and why farm- Compulsive Egg Eater Baffles Science band Craig and 21-month-old son Brandon ers use such great care in their application; Into the world of cholesterol fear comes a (another daughter, Melissa, operates a store a trip toAg Expo and Summerfest, and who story of an 88 year old man in a Colorado in Traverse City). "They all work together. knows what other subjects may surface. retirement home who ha'i eaten two dozen If there's a job to do, they all pitch in and eggs a day for the pa'it 15 years, yet has a get it done, even Larry's Dad, who goes to "We may string out this series for the next perfectly normal cholesterol level. Florida in the winter but can't stay away six years," said Larry. Matt, who told his Diagnosed as a compulsive egg eater, the from farming. Nobody waits until they're readers he swears there are stones out in the octogenarian says he can't help it. Yet, told to do something. They just do it," said fields reproducing, looked at his still- Colorado researcher Fred Kern said de- Matt. calloused hands and sighed, thinking long- spite the 131,400 eggs he has eaten since ingly ahead to his vacation at a Virginia the mid-1970s. the man does not have a The "Adopt-A-Cow" series is not finished. Still on tap is an auction sale with all the River. = fishing spot called, ironically, Cowpasture high blood cholesterol level. How much is a part per billion? One part per billion equals: I inch in 16,000 When you hear of some safety standard writ- miles; I second in 32 years; I cent in $10 GIANT ten in parts per billion and have trouble getting million; I pinch of salt in to tons of potato HEAVY DUTY it in perspective, consider these tidbits from chips: I lob in 1.200,000 tennis matches; or I INFLATABLE BOATS the Midwest Food Processors Association. 2 MAN $38 bad apple in 2 million barrels. 3 MAN $50 4 MAN $67 Before Midnight August 31 In lJondon this summer As part of an advertising test Dunlap Boat Mfg. will send any of the above size boats to any reader of this publication who reads and responds to this test before midnight August 31. This test has been commissioned by the International Boat Exchange. Each boat lot No. thcnlJis a free lunch! (Z-26 PVC), is constructed of tough high density vinyl fabric (resistant to abrasions, sub-freezing tempera- tures, sunlight, salt & oil), and has electronically welded embossed seams, nylon safety line grommeted all around, heavy duty oar locks, equipped with attach- ments for an optional motor mount to handle up to a 21fl h.p. motor, 4 separate air chambers for extra safety in 4-man, self-locking safety valves. Recommended for Breakfast and dinner (2 for the price of 1)... marine, ocean and fresh water recreation, camping, fishing or a family fun boat. Each boat will be accompa- and nied with a LIFETIME guarantee that it must perform 100% or it will be replaced free. Add $7 handling & 6 nights London hotel for the price of 3 ... crating for each boat ordered, Dunlap Boat Mfg. pays all shipping (Continental USA - Alaska residents add and $15). There is no other monetary requirement. If your order is received within the next ten days you will 10 days Britain car rental for the price of 5... receive FREE a rugged water sport (waterproof) digital wristwatch specifically designed for water, and diving, etc. (features second, minute, hour, date and month). Lights up at night and is accurate to the 10th of * 10% bonus on airfares to Europe! ! ! a second each year. Should you wish to return your boat you may do so for a refund or exchange. Any letter postmarked after midnight, August 31 will be returned. LIMIT: one (1) boat per address, no exceptions. Send ifr Member Travel Services appropriate sum together with your name and address European ConnectiQn to: Test Dept. #A989 Dunlap Boat Mfg., 517 W. Garfield 1-800-354-4272 Ave., Glendale, CA 91204. Or for fastest service from any part of the country call FREE before midnight seven days a week. Have credit card ready. * Based on a regularly scheduled air carrier~ First Class and business fares excluded CALL TOLL FREE 1-800-637-3823 Ask operator for BOAT TEST #A989 ".MICHIGAN Before midnight 7 days a week . • _. FARM BUREAU Have a credit card ready RURAL LIVING - SUMMER 1991 Food News Consumer Food Prices Steady Average prices paid for food by con- sumers across the country have not varied much for the past couple of years, according to a quarterly retail food price survey conducted by the \ American Farm Bureau Federation. The total market-basket price of 16 frequently-purchased items in the sec- ond-quarter survey was $30.54, down a few cents from the previous quarter. Potatoes were down sharply from a year earlier but slightly higher than in the first quarter of this year. All meat Michigan Commodity Cookbook items except poultry were higher than a year ago, but nearly the same as in the Will Make Your Mouth Water! first quarter of this year. Today there's a new focus on cooking and eating healthy, fast, and favorable foods. Michigan is second only to California in the nation in the number and variety of Red delicious apples were the same as commodities grown. In an effort to show consumers how Michigan foods fit today's in the first quarter but higher than the lifestyle, Michigan commodity organizations, with support from the Michigan Depart- second quarter of 1990. Whole milk ment of Agriculture, joined together to produce the "Michigan-Savor Its Flavors" was four cents a gallon cheaper than in cookbook. the first quarter and down 10 cents a gallon from last year, but cheddar The 96-page, filled with unique recipes and color photographs, will make your mouth cheese sold higher than in the last water! There are menus for each season of the year. The "Backyard Barbecue" includes quarter and a year ago as well. The apple stuffed celery, maple barbecued spareribs, grilled stuffed potatoes, hot peppery corn- milk and cheese price differences seem on-the-cob, picnic bean salad, grilled cheddar loaf, strawberry shortcake, and fresh to emphasize producer complaints that lemonade. the sharp decline in the farm price of The cookbook is available in major bookstores, gourmet shops, gift stores or by mail order. milk is not properly reflected in con- It's a great all-purpose cookbook and is sure to become a favorite in your kitchen. It also sumer prices of dairy products. makes a wonderful gift and is a nice addition to any collection of regional cookbooks. Over the past several years, the total r------------------------i price of the 16 items in the survey has I Michigan-Savor Its Flavors I ranged between a low of $28.75, in I Please send __ copies of "Michigan-Savor Its Flavors" at $8.95 per copy, plus $2 I Nov. 1989, to a high of $30.95 in the I shipping and handling for each book. Michigan residents add $.36 sales tax for each I first quarter of 1991, which amounts to I book ordered. I "pretty stable prices for food shoppers during that period," said Marsha I Name I Purcell, AFBF director of program I Address I development. The survey was con- I I ducted by 67 Farm Bureau volunteers I City State __ Zip I in 26 states. I Make checks payable to Mainly Food and mail to: I L------------------------~! Mainly Food, 1400 Sebewaing Road, Okemos, MI 48864 RURAL LIVING • SUMMER 1991 Food News able through the Ag Surplus Project to pay for repackaging costs to convert the aspara- gus into consumer usable 2Y2pound bags. Substantial donations of cherries and peaches are also pending, according to Ulich. Summer Food The "Ag Surplus Project" is funded by an Safety annual $100,000 grant from the Michigan The hazy, lazy days of summer may "Ag Surplus" Department of Agriculture. There has been a proposal to increase the funding substan- bring thoughts of relaxation, but it's not time to relax the rules of food Benefits tially, but chances are not likely with the state's budget woes. handling. In fact, climbing tempera- tures should signal us to use extra FoodBank caution in preparing and handling food, according to Dr. Edward C. Heffron, Director of the Food Divi- sion at the Michigan Department of Agriculture (MDA). The U.S. Department of Agriculture (USDA) estimates that each year 4 million people are affected by food poisoning, caused by food-borne bac- teria so microscopic it cannot be detected by sight, smell or taste. This often occurs at picnics and backyard barbeques when food is left out in warm temperatures creating a perfect environment for bacteria to grow. "Food poisoning can be prevented," said Heffron. "It just takes some com- mon sense. The key is to keep food cool and limit the time it is exposed to warm temperatures." In summer months, salmonella, one of the most common bacteria, finds a perfect breeding ground. "Foods that are allowed to remain at too warm a temperature for too long, or those that are not heated to a high enough tem- perature can harbor dangerous food-borne illnesses," said Heffron. "These illnesses are especially dan- "Although many people are now striving to gerous for the elderly, young children, lower their cholesterol, more intervention pregnant women, and those with is needed," said Beth Schucker of the Na- But the percentage of those surveyed who chronic illnesses." tional Heart, Lung and Blood Institute, ~ho changed to healthier diets dropped to 15 conducted the surveys. percent in 1990 from 19 percent in 1986, For information about food safety, the surveys found. The researchers added, call Dr. E. C. Heffron, Director, Food The surveys, which each year involved however, that they are unsure whether the Division, Michigan Department of about 1,600 doctors and 4,000 members of drop was real or just a research fluke. Agriculture, (517) 373-1060. the general public, evaluated the effective- ness of the National Cholesterol Education RURAL LIVING • SUMMER 1991 ChooseaTId save with" Alamo. As a member, you can get a certificate good for either a Free Upgrade or 25% Off your association's daily rate. See certificate for terms and conditions. Alamo features a fine fleet of General Motors cars, all with unlimitedfree mileage nationwide. Special weekend rates are available by requesting Rate Code AI. For reservations, call your Professional Travel Agent or call Alamo at 1-800-327-9633, Be sure to request Rate Code BY and use your Membership I.D. Where all the miles number ~23212 are free'" FREE UPGRADE NATIONWIDE I. Certificate good-for ONE FREE UPGRADE to next car category. luxury and 250//0 OFF YOUR ASSOCIATION BASIC RENTAL RATE I. Offer valid for rentals of a minimum of I and a maximum of 4 days. specialty cars excluded. su,pJect to availability at time of rental. 2. One certificate per rental. not to be used In conjunction with any other 2. One certificate per rental. not to be used In conjunction with any other certificates/offers. certlficatesloffers. 3. A 24-hour advance reservation is required. 3. A 24-hour advance reservation Is required. 4. Offer valid 711191 through 12/31/91. 4. Offer valid 7/1/91 through 12/31/91. 5. Certificate must be presented at the Alamo counter on arrival. 5. Certificate must be presented at the Alamo counter on arrival. 6. This certificate Is redeemable at all Alamo locations In the U.S.A.only. Once 6. This certificate Is redeemable at all Alamo locations In the U.S.A.only. Once redeemed. this certificate Is void. redeemed. this certificate is void. 7. This certlficate and the car rental pursuant to It are subject to Alamo's 7. J:~~~~~I~~~~~~~~~f::~~~1 pursuant to It arc subject to Alamo's conditions at the time of rental. 8. This certificate Is null and void Ifaltered. revised or duplicated in any way. In 8. This certificate Is null and void If altered. revised or duplicated In any way. In the event of loss. certificate wlll not be replaced. the event ofloss. certificate wlll not be replaced. 9. Offer not valid 8/29/91-9/2/91. 11/28/91-11130/91 and 12119/91-12128/91. 9. Offer not valid 8/29/91-9/2191. 11/28/91-11/30/91 and 12119/91-12/28/91. 10. For reservations call your Professional navel Agent or call Alamo al 10. For reservations call your Professional navel Agent or call Alamo at 1.800-327.9633. Be sure 10 request Rate Code BYand use your Membership 1.800-327-9633. Be sure to request Rate Code BY and use your Membership I.D.number. I.D.number. Alamo JeaturesJlne General Motors AlamoJeaturesJlne General Molars cars /tke this Buick Regal. cars like this Buick Skylark. I U48B I I.D. M3 V 223212 ., Where all the miles are freeN I POIB I I.D. #BY2232] 2 I Where all the miles are freeN 33465AS SmWfrld. Orlando, Florida EVERYBODY'S DuscH GAIU>ENS. 'o\Mr~ lA' flORJOo\ ~~. [f!i! Your Michigan Farm Bureau membership entitles you to discounts at the following major theme parks in the Midwest and Florida: D Universal Studios D Disney World/EpcotlMGM D Disney Land D Busch Gardens D Sea World D Cypress Gardens D Henry Ford Museum & Greenfield Village D Cedar Point D Kings Island D Detroit Zoo D Pleasure Island D Opryland To take advantage of these discounts, call or write your county Farm Bureau office TODAYl sprinkler head which produces a spray pat- tern as gentle as a summer shower gardeners love. The soft, easy spray won't wash away new seedlings in the garden, or punish blooming flowers the way a heavy spray will. The sprinkler head can be removed for a broad, full-volume spray that's just right for lawns, landscape plantings and other big jobs. No-Clog-2 automatically mixes Miracle-Gro plant foods with water at the correct concentrations. Hanging baskets and other out-of-the-way Rescue Your Dying Septic System plantings are a cinch to feed and water with NOW! No-Clog-2. The versatile feeder is threaded Just Pour Safe. Easy-To-Use Powder into your to accept any standard water wand attach- Commode and Finally ment, and a new rotating connector simplifies hose hook up and removal. END SEPTIC TANK BACKUP CLOGGING and SMELL The No-Clog-2 Garden and Lawn Feeder is available wherever garden products are No-Clog-2 Garden and Lawn Feeder sold. It comes with a free pound of Miracle- BEFORE SEPTIPRO~ • FIELD The development of the modern hose-end Gro plant food packed in the jar, at a Solid waste suggested retail price of $11.99. clogs pipes. SIlAU garden feeder left many a watering can to tank & SA TlJRATION rust in the shed. But your old fashioned drainfield. ~EA watering can did something no automatic ••• feeder could. That big, round perforated Homelite's Enhanced Lawn Mowers FIELD AFTER disc on the end of the spout distributed Homelite has introduced its enhanced line SEPTIPRO~ water or plant food solutions in a gentle Solids digested of rear bagger lawn mowers by adding GREATER SATURATION and Iiquified shower that was perfect for blooming flow- three new models all equipped with a 3- AREA • now absorbed in open drainfields. ers and delicate seedlings. You couldn't speed gear drive transaxle with multiple get an automatic to do that-until now. speed settings, and "no-jerk" shift as-you- SEPTIPR08 SAVES YOU MONEY! No more costly mow operation. mechanical cleaning, digging or pumping: Miracle-Gro has just introduced the No- SAFE AND EASY TO USE! Just pour Septlpro into Clog-2 Garden and Lawn Feeder, a Equipped with Briggs and Stratton 5 hp your commOde; let it work! Results usually visible over- night! Non-toxic. poisonous or corrosive. harmless to much-improved successor to the popular QU ANTUM engines, the new HSB21 P5G, humans. animals or plumbing. Will make your system original. Among other enhancements, No- HSB2IP5CG, and the HSB2lP5EG come odor-free. SEPTIPRO IS GUARANTEED TO KEEP YOUR SEPTIC SYSTEMTROUBLE-FREE OR WEWILL Clog-2 sports a specially-designed equipped with a die-cast aluminum deck REFUND EVERY PENNY YOU PAID FOR YOUR that won't rust and is approximately 30 SEPTIPRO •. If it does not do as claimed, return the unused portion within 30 days and get refund on product. 1 lb. for initial treatment of 1000 gal. tank or 4-oz. once FREE percent lighter than conventional decks. The mowers can be equipped with a side a month. Order nowl Fill out & send to: CATALOG! discharge chute, a handy option in those SEPTIPROtBl areas that promote recycling of lawn clip- P.O. BOX 395 I New Hearing Aids pings. Lester Prairie, MN 55354 I Cl lib. $9.95 Cl 2100.$16.40 plus $2.50 P & plus $3.50 P & HIatal HIatal $12.45 Check Cl $19.90 C.O.D.Extra Cl I • All models AVk...~ For maximum convenience, the units have I Cl 4/bs.$23.30 Cl 8Ibs.$38.50 plus $4.00 P & plus $4.50 P & HIatal HIatal $27.30 MastercardCl $43.00 Visa Cl I • Huge Savings Vfj3 \] three position handlebar adjustment; easy- on, easy-off emptying of bag, easy oil • No Salesman will call I~~~O'IIIIIIIIIIIIIIIIII check, with top mounted dipstick and large I ExpirationDate U.-J - ~ I Try Before You buy! 18-inch wheels for sure footed traction. I~M~ I Write: Better Hearing For more information contact Homelite, Street I City State _ Zip __ I 202-8 E. 2nd Street. Brookport, IL 62910 Advertising Department, 1440 I Carowinds L _ ...:a~o~r~ 1~O-327~8-=- _ -.J 1~800-662-5522 (24 Hrs.) Blvd., Charlotte, NC 28273. RURAL LIVING • SUMMER 1991 Compare the interest rates. The interest rate on the MemberLine VISA and Gold MasterCard is just 15.9 % A.P.R.-one ofthe lowest interest rates available. In addition, you pay no inlereston new credit card purchases when your full balance is paid by the due date. Compare the fees. The MemberLine VISA has no annual fees, no mem- bership fees and no application fee. The annual fee for the Gold MasterCard . is $20 - far lower than the fee charged for most gold cards. For added savings, the $20 fee is rebated every year that you make $3,000 or more in net purchases. Compare the premiums. Both the MemberLine VISA and the Gold The Farm Bureau MemberLinesM VISA & MasterCard offer a wide array of complimentary features and options for Gold MasterCard. Two good reasons your protection and peace of mind. And when you carry a Gold MasterCard, you'll enjoy the added advantages of a higher credit line, executive travel why it pays to compare before you privileges, emergency road assistance, purchase protection insurance and a apply for a credit card ... warranty extension program - valuable "extras" you and your family can depend on. Easy to apply for. Simply remove this page from the magazine and fill our the application on the reverse side. Lenerfold and staple the form with the mailing address on the outside. No postage necessary! __ .,eH,eAN _. FARM BUREAU o FIRSfOfAMUIO\.Bank No Postage Necessary I If Mailed Within The United States Business Reply Mail First Class Permit No. 2334 Kalamazoo, MI Postage will be paid by addressee FIRST OF AMERICA BANK REVOLVING CREDIT DIVISION ATIN: FARM BUREAU MEMBER SERVICES P.O. BOX 2349 KALAMAZOO, M I 49003-9917 APPLY NOW for a Farm Bureau MemberLine'MVISA or Gold MasterCard FARM BUREAU MEMBERLlNE- APPLICATION FIIS\ Name Middle Initial Last Name I Social Security Number Present Street Address Tme at Present Address Yrs. Mos. I Date of Birth City, State IZIp Code Home Telephone Number (Include Area Code) ( ) LL. Previous Address frt less than two years at present address) City State ZIp ~ W CfJ Present Employer Income from alimony, child suppoII, or mailtenance payments need not be revealed a: ::) if you do not wish to have it as a basis tor repaying this obligation. a Employe(s Telephone Number Time at Present Employment o Monthly >- ( ) Code I Yrs. Mos. Gross Income from Employment D Yearly City, Slate, Zip D Monthly Other Income D Yearly Source of Other Income Previous Employer (if less than two years at present employer) I Tme at Previous Employer I Yrs. Mos. Nearest Relative (not living with you) I Telephone I( ) FIlS! Name Middle Initial Last Name I Social Security Number c 5 (,) Present Street Address T me at Present Address Yrs. Mos. I Date of Birth (,) ca City, State Home Telephone Number C (Include Area Code) ( ) ~ Previous Address (if less than two years at present address) City Slate Zip ~ Present Employer Income from alimony, child support, or maintenance payments need not be revealed c( if you do not wish to have it as a basis for repaying this obligation. o ::::i Q. EmpIoyer's ( Telephone ) Number I Position I Tme at Present I Yrs. Employment Mos. Gross Income from Employment D Monthly D Yearly Q. c( City, Slate, Zip Code D Monthly 6 o Other Income D Yearly Source of Other Income a: Previous Employer (if less than two years at present employer) I Tme at Previous Employer ::) I Yrs. Mos. a Nearest ReIaIive (not living with you) I Telephone >- I( ) (/) Credit References Monthly Payments Balance Due Monthly Payment W D OwrVSuying Home D Other DRent $ o Mortgage Holder or Landlord Z $ Mortgage Balance w $ a: w $ Estimated Value LL. D Checking Account (Bank Name) W $ a: .... $ Have You Ever DYes o w D Savings Account (Bank Name) Declared DNa $ a: Bankruptcy? o Optional Group Credit Insurance Please check your card preference Vwe hereby certify that each of the answers on this application is lnJe and aJlTect, and is made lor the purpose of obtaining a loan or ad from lchoose one design only) the Bank. Vwe certify lllat all debts owed whether individual, joInt or The cost to you, the Primary Account holder w (applicant), is $.60 per $100 for each mon1h's D SCENIC VISA D STANDARD VISA contingent have been disclosed above and that none of my/our debts ewe o average daily balance. The instxance win be- o~ _ delinquent or in default, except as Vwe have indicated above. Vwe hereby z c( come effective when your aedit begins. You authorize the Bar1I to investigate mylos aedt recmI to the extent it deems necesscwy and to verify my/ru ad, employment and income references. a: must be less than age 7110 be eligible for aJV- ;:U 1212 ,.. Vwe further authorize and instruct any person or consumer reporting ::) erage. A certificale which more fully desaibes agency to fumish to the Bank any information that it may have or obtain in (/) ='.DI'::- the insurance win be sent when your aedit response to such aedi1 inquiries. Vwe fUl1I1er agree that this application 3: application is approved. Undelwritten by The shall become the property 01 the Bank, whether or not it is approved. t:: Prudential Company of America, Newar1<., New OR Apply for a Gold MasterCard Vwe agree that if lhis application is accepted cn:l a card or cards are c w Jersey, and Prudential Properly and CasuaJty issued that any use of the card(s) will be governed by the terms and a: Insurance Company, Holmdel, New Jersey. D cooditions of the Bank's VISAlMasterCard Agreement and Disclosure o Those choosing 10 enroll wiD be mailed a cer- YES, I'd like the extra freedom and flexibility provided belore or with delivery 01 the card(s). Vwe assume, if more than Q. of a Gold MasterCard instead of the VISA one pnlly and severaRy, liability lor all charges incooed in any use of ::) tificale of insurance explaining benefits, limita- card. II I do nol qualify lor the Gold the card(s). a a: tions and provisions and indicating the effec. MasterCard, consider my application for the tive date of roverage. e" Farm Bureau VISA cant ...J X c( DYES, PleIIe enroll me In the Applicant's Signature Date Z a Group Cftdlt InsurInee Program. X i= Q. D ADDITIONAl CARD FOR AUTHORIZED USER Co-Applicant's Signature Date a CIXlE INIT ApprlCaOt's Signature Print name here AGENTUSE ~ _ ,----------------------------------------------------, AnnulII Bal8nce AnnulII F.. Or.c. PerIod for Petcem..- Rat. C.lculatlon RetI-, ..hont of the Method None for scenic or standard VISA BaI8nc.for Cash Advance Fee - none 15.90/0 $20 lor Gold MasterCard New Purcha_. Transaction Fee - none Average Daily Balance (rebated wary year net annual Late Fee - $10.00 (excluding new purchases) purchases exceed $3,000) 25 Days, starting with the billing Over Umil Fee - $10.00 date on statement. Minimum Finance Charge - none .FItl8IlOe charges are dlarged on cash advances and Memberline ctlec:ks from !he date !hey are posted. Please letterfold and staple this form with the mailing address on the outside (reverse side) Michigan Department .of Agriculture County Fair Events. 1991 Alcona County Fair, lincoln Aug. 14-17 Gratiot Agricultural Society, Ithaca June 24-30 Montcalm County 4-H Fair Assoc., Greenville July 7-13 Alger County Fair, Chatham July 26-28 Gratiot County Fair for Youth, Alma July 22-26 Montmorency County 4-H Fair Assoc_, Atlanta Aug. 6-10 Allegan County Agricultural Society, Allegan Sept. 6-14 Hillsdale County Agricultural Soc., Hillsdale Sept. 22-28 Muskegon County 4-H Fair, Ravenna July 13-21 Alpena County Agricultural Society, Alpena Aug. 18-24 Houghton 4-H Fair Association, Hancock Aug. 22-25 Newaygo County Agr'l. Fair Assoc. Fremont Aug. 5-10 Antrim County Farm & Family Fair, Bellaire Aug. 16-18 Hudsonville Community Fair, Hudsonville Aug. 19-24 Northern District Fair Association, Cadillac Aug. 12-17 Arenac County Agricultural Society, Standish July 21-27 Huron Community Fair Association, Bad Axe Aug. 4-10 Northwestern Michigan Fair, Traverse City Aug. 26-Sept. 1 Armada Agricultural Society, Armada Aug. 13-18 Ingham County Fair, Mason July 26-Aug. 3 Oakland County 4-H Fair Assoc~ Davisburg July 29-Aug. 3 Baraga County Fair, Pelkie Aug. 9-11 Ionia Free Fair Association, Ionia July 26-Aug. 4 Oceana County Agricultural Society, Hart Aug. 21-25 Barry County Agricultural Society, Hastings July 15-20 losco County Agricultural Society, Hale July 24-27 Ogemaw County Agricultural Soc., West Branch Aug. 12-17 Bay County Fair & Youth Exposition, Bay City Aug. 5-10 Iron County Fair Association, Iron River Aug. 15-18 Ontonagon County Agr'l. Assoc. Greenland Aug. 1-4 Berlin Fair Association, Marne July 15-20 Isabella County Youth & Farm Fair Soc., Mt. Pleasant Aug. 3-11 Osceola County 4-H & FFA Fair, Evart July 29-Aug. 3 Berrien County Youth Fair Assoc., Inc., Berrien Springs Aug. 8-17 Jackson County Fair, Jackson Aug. 4-10 Oscoda County Fair Assoc., Inc., Mio July 18-20 Branch County Agr'l & Ind'i Soc., Coldwater Aug. 10 Kalamazoo County Agricultural Soc., Kalamazoo Aug. 19-24 Otsego County Fair Assoc., Gaylord Aug. 5-10 Calhoun County Agr'l & Ind'i Soc., Marshall Aug. 11-17 Kalkaska County Agricultural Fair, Kalkaska Aug. 6-10 Ottawa County Fair Association, Holland July 22-27 Cass County Agr'l Fair Assoc., Cassopolis July 15-20 Kent County 4-H Agricultural Assoc., Lowell Aug. 5-10 Presque Isle County Fair Assoc., Posen Sept. 5-8 Cheboygan County Fair, Cheboygan July 27-Aug. 3 Lake County Fair Board, Inc., Baldwin Aug. 14-17 Roscommon County Fair Board, Roscommon Aug. 22-24 Chelsea Community Fair, Chelsea Aug. 20-24 lake Odessa Civic & Agr'l. Assoc. Lake Odessa July 2-7 Saginaw County Agricultural Soc., Saginaw Sept. 7-14 Chippewa County Fair, Kinross Aug. 26-Sept. 2 lapeer County Agricultural Soc., Imlay City Aug. 5-11 Saline Community Fair, Saline Sept. 3-7 Chippewa County Stalwart Agr'l Fair Assoc., Stalwart Sept. 12-14 lenawee County Agricultural Society, Adrian Aug. 11-17 Sanilac County 4-H Agr'l Soc., Sandusky July 28-Aug. 3 Clare County Agricultural Society, Harrison July 27-Aug. 3 Luce-West Mackinac County Fair, Newberry Aug. 22-25 Schoolcraft County Fair Assoc., Manistique Aug. 2-4 Clinton County 4-H Club Fair, St. Johns July 29-Aug. 1 Mackinac County Fair Association, Allenville Aug. 22-25 Shiawassee County Agricultural Soc., Corunna Aug. 4-10 Crawford County Fair Association, Grayling July 17-20 Manchester Community Fair, Manchester July 9-13 Sparta Area Fair Association, Sparta July 26-28 Croswell Agricultural Society, Croswell July 14-20 Manistee County Agricultural Soc., Onekama Aug. 28-Sept. 2 SI. Clair County Agricultural Soc. Goodells Aug. 5-10 Dickinson County Fair, Norway Aug. 27-Sept. 2 Marion Farm Exhibit Association, Marion June 24-29 SI. Joseph County Grange Fair Assoc. Centreville Sept. 15-21 Eaton County 4-H Agricultural Soc., Charlotte July 21-27 Marquette County Fair, Marquette Sept. 5-8 Tuscola County Fair Association, Caro July 28-Aug. 3 Emmet County Fair, Petoskey Aug. 17-25 Mecosta Co. Agr'l. Fair Assoc, Big Rapids July 7-13 Van Buren County Youth Fair Assoc., Hartford July 8-13 Fowlerville Agricultural Society, Fowlerville July 15-21 Menominee County Fair Assoc., Stephenson July 27-29 Vassar Fair Association, Vassar July 9-13 Genesee County Agricultural Society, Genesee Aug. 12-18 Midland Co. Agr'l & Hort'l Soc. Midland Aug. 11-17 Washtenaw County Farm Council, Ann Arbor July 29-Aug. 2 Gladwin County Fair Association, Gladwin July 22-27 Missaukee Falmouth Agr'l. Soc. Falmouth Aug. 6-9 Wayne County Fair Assoc., Inc., Belleville Aug. 6-10 Gogebic County Fair, Ironwood Aug. 8-11 Monroe County Fair Association, Monroe Aug. 5-10 Western Michigan Fair Association, Ludington Aug. 19-24 STATE FAIRS Michigan State Exposition & Fairgrounds, Detroit Aug. 23-Sept. 2 Upper Peninsula State Fair, Escanaba Aug. 13-18 RURAL LIVING • SUMMER 1991 of life When it comes to protecting your Farm Bureau Life is backed by 40 years family, life insurance is a necessity ... the of financial stability and quality best way to provide for your family's future investments, so you know your future is needs and ensure peace of mind. safe with us. You can feel especially confident when So see your Farm Bureau Insurance you choose a life insurance plan from Farm agent about your life insurance needs Bureau Life Insurance Company of today. It's not one of the nice things you Michigan. Our professional agents will do for your family ... it's one of the review your needs and help you determine necessary things. the best plan for you. Making your future more predictable .,. FARM BIJREAIJ ••• FARM BUREAU MUTUAL @ • FARM INSIJRANCE BUREAU LIFE • FARM BUREAU GENERAL • FB AHHUITY Michigan Farm Bureau Non-profit Org. Rural Living Magazine U.S. Postage P.O. Box 30960 PAID 7373 W. Saginaw Hwy. MICHIGAN Lansing, MI 48909 FARM BUREAU