UNLEASHING AGRICULTURE'S Michigan State PRODUCTIVITY University AND POTENTIAL Home of New Food Safety Center (Excerpted from President's Address at MFB Annual Meeting) Construction of the first phase of the National The agricultural industry can't afford to be a bound giant. Too much is at stake for us, and for Food Safety and Toxicology Center at Michigan the people we feed here in the U.5. and across the world. State University is now a certainty, reports Percy A. Pierre, vice president for research and There is a tremendous challenge ahead for agriculture. Oemand for food is going to continue graduate studies. to rise in tandem with world population increases and greater affluence in the formerly impoverished nations of Eastern Europe. By the year 2020, I believe farmers will have to more The center, expected to be fully developed in 1996, will focus on research and teaching de- than double the production of food in order to feed more people demanding better nutrition than signed to help farmers, food processors, and ever before. In some developing countries, food demand will increase as much as four percent government ensure the safety of all foods, a year. including fish, meats, and plant products. Em- Before the 20th century, almost all of the increases in food production came from bringing more phasis will be on reducing risks of chemical land into production. In the past 90 years, technology has helped make productivity soar and contamination. more than keep up with population growth. Planning is being coordinated by Robert Hollingworth, acting director of the Food Safety But, despite this record of success, can agriculture keep up with the explosion of demand that and Toxicology Center. Hollingworth is also we see coming in the future? Can farmers continue to boost their productivity to meet the food director of MSU's Pesticide Research Center. demands of the 21st century? I think we can. But there are significant "chains" that have to The project was initiated under the guidance of be cast aside if we are to be successful. Robert Leader, professor emeritus, and First of all, environmental and land use constraints will make it more difficult to improve Lawrence Fischer, director, Institute for Envi- ronmental Toxicology. productivity in the future simply by adding inputs or putting more land into production. The environmental movement is strong, aggressive and beginning to target agricultural practices. "Although many universities as well as the U.S. Last year, contributions to environmental groups hit $2 billion, double the amount they received Department of Agriculture carry out food safety in 1987. research in specific areas, the scope of the MSU center will make it a unique national Before the election, the Gallup poll reported that 57 percent of voting-age Americans wanted facility," explained Hollingworth. to elect politicians who would impose more environmental restrictions on business. And 59 More than $9 million has been granted for the percent of the respondents, if forced to choose, would take environmental quality over project by the USDA. Hollingworth says, and an economic growth. Right or wrong, consumers feel very strongly about the environment. additional $14.6 million has been appropriated The second major hobble for agriculture is profitability. Unless farming becomes more by Congress and awaits USDA approval. profitable, it's going to be difficult to maintain the vibrant agricultural economic base needed The first phase will be a 22,OOO-square-foot to meet the food needs of the 21st century. If we are to respond to rising demand for agricultural Animal Containment Facility to be located next products, an investment is needed in research, marketing and production. Our industry can't to the Veterinary Research Facility. Sewer lines afford to do that unless it increases its profitability. have been extended to the area and construc- tion is scheduled to begin in the spring and will So what's the solution? I think that farmers must strive more than ever before to help be completed by the end of 1993. themselves. We are going to have to work smarter, not just harder, in order to be productive The facility will be used to house livestock for and "environmentally correct" in a complex world. One of the ways we can do this is by research, and there will be a large aquatic facility applying the fruits of biotechnology and expanding our knowledge. for research on food fish of the Great Lakes region. The next phase will be construction of the center's 49,OOO-square-foot main laboratory building, with construction expected to be com- pleted by the end of 1995. Jack Laurie, President Michigan Farm Bureau RURAL LIVING • WINTER 1993 _= A Publication of Michigan Farm Bureau Winter 1993 Photo: Michigan Travel Bureau In This Issue ~ ~ ~=~~~9 ..It: Runl Lhina Statement of Ownership• Managament and u.s.c. 36851 4 MFB'S ANNUAL MEETING Policy development headlines annual meeting. Quarterly .. c ................... _ofk OHc.oI ...... _~.o., $I.SO 7 WINTER DRIVING IUchlg&n F.~ Bunau. P.O. Box 30960. Lana1nS. H.1chllan 48909-8460 ,C;-..... .................. Same .. Above. 011 .... ~"'v- .... OH_oIlt-.~"""'~ IN MICHIGAN Tips to make your winter driving safer. .... "-- • ....,~ ........ A ... _ .. ~.I ..... end ........... f .... tno._Mt'SJ'f/IJO'I .. ~, ~ tIw..oJ c-..-....,." I .......... Dennh 1... Rudat. OW-.vc ................. p.o. !ox ~j 30960. Landog t Michigan 48909-8460 10 CHARITABLE 7. o...-.f'~"" '"...----4---.,,,,,•........ ~-====,-:.:,7":.. ..._,--".., -:;"'~:- ........-- u_ .. ~ .,--. _ ,;- ,. ......--.,~,., ...... _-. -..-1 ~~ ., -'"'*""'"*f---""'" __ ... ,._ ,-"..,.~ .. ......., REMAINDER TRUSTS See attaChed. -- 1- .".-.~-- Learn if a Charitable Trust is for you. . =-~=~,....,o.-s.e-t' 18 CIDNESE DELEGATION __ O---' .. ....,..,~~ • ....".oIT "-ef __ .....~ .. O"'" ~ ...... .~,~. . -,._. __ .~_.,,- I (fClwt_. INMICIllGAN Chinese Extensionists visit and learn about <¥-.----.-., t._ , ... _ ..... ,_ . ..-'ll-.ro1ot .. - ..... ~ec_ ........... -.,..,_ ... , ...... __ 'I' __ ~:=;~ bt_ ... ..... JUt ..... CINlet O~~~ .... A_-ee .....C,... ..... 1._ Dunne ............... ...~ j No C..... 01"..... Of Special Interest Michigan agriculture. tsw .. _~'" ~~tl""-"'- ~"'-._to'''''Dt't. .1 Tot ....... C ..... ,..."..,. ... , 111 64,473 14.341 ~......... ,. 5_"'""",- , .... .......- ..... ,. ........... --- - C • ....,~.. __ ... 62,056 71,710 MFB'S HEALTH HARVEST C , .... , ....................... c &.."'.'.,J~I 62,056 71,710 D .... 0......._.,. ..... c_ .. Ot .... ""'- .......... ,c~.., ..... ()ortlotr .... c...... 2.367 2.S81 I ' .. IIIO"".....,_~.,c.,JDt 64.423 74.291 , •. ~OC;:IC':"~'::' The RURAL LIVING (ISSN 0743-9962) is published quarterly in the months of October, January, April, SO I _ ....... fr_JrM.w .......... July, as a service to associate members, by Michigan Farm Bureau, 7373 West Saginaw Highway, G TOT...llSoo-.,(.".,Jl-~ ... _~_ ..... _4j 64.473 74.J41 Lansing, M148917. Oct.. 30,1992, Vol. 11, NO.4. Member subscription price of $1.50 included in annual w-.o- ... I certify the, the statements mede by ...........,....... / j hi .... , .H- , .... , ~. --.. .. 0- ' dues of Michigan Farm Bureau associate members. Additional subscription fees required for mailing - ..... -- ............. V~:f[~~ /1".-<~ {.'.U{.,..:r:;::..:, Rural Living to non-members and outside the continental U.S.A. Second-Class Postage paid at Lansing, ..... .c- 352&,.-.,. 1"1 cs... ~ .. ~J pk~~". r; d~Cc MI and additional mailing offices. Letters to the editor and statewide news articles should be sent to: Editor, Rural Living, P.O. Box 30960, Lansing, MI 48909-8460. POSTMASTER: Send address changes to Rural Living, P.O. Box 30960, Lansing, MI48909-8460. Editorial: Dennis Rudat, Editor and Business Manager. Staff Contributors: Mike Rogers; Connie Turbin; Donna Wilber; Henry Huisjen. Officers: Michigan Farm Bureau President, Jack Laurie, Cass City; Vice President, Wayne Wood, Marlette; Administrative Director, Chuck Burkett; Treasurer and Chief Financial Officer, Tom Parker; Secretary, William S. Wilkinson. Directors: District 1, Jim Miller, Coloma; District 2, Blaine VanSickle, Marshall; District 3, Diane Horning, Manchester; District 4, Tom Guthrie, Delton; District 5, Mark Smuts, Charlotte; District 6, Wayne Wood, Marlette; 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 Laurie, Cass City; Faye Adam, Snover; Jan Vosburg, Climax. Promotion and Education, Paul Swartzendruber. Young Farmers, Kurt Inman, Sturgis. RURAL LIVING • WINTER 1993 Headlining MFB Annual Meeting... A Michigan Governor John Engler told Michigan Farm Bureau members to "fasten their seat belts" and expect changes from Lansing during the next legislative session. RURAL LIVING • WINTER 1993 •4 Katnna Roy, a delegate from Macomb County Farm Bureau, makes a point during the four days of policy discussion at the Michigan Farm Bureau annual i meeting. In total, the 460 farmer-delegates took » 1 action on 160 policy issues. I I HV§ - mw uring the annual meeting of the Michigan Farm Bureau, held Dec. 1-4 in Grand Rapids at the Amway Grand Plaza, 460 farmer- delegates considered a slate of proposed policy resolutions pre- sented by the MFB 20-member policy development committee, in addition to being addressed by Michigan Governor John Engler and a host of other activities. 4 Policy Development Highlijdite Eiuder Promises Action ' The policy recommendations were the consoli- on Property Taxes dated efforts of 69 county Farm Bureaus. Among the policies presented, discussed, and eventu- Gov. John Engler addressed nearly 600 mem- ally adopted, was a school finance policy that bers during the annual AgriPAC breakfast, say- supports reduction in property taxes with a shift ing that property tax reform would definitely be to other sources to replace the lost revenue. on the agenda in the new legislative session. Those sources of revenue could include an "I do not interpret the defeat of proposal C, the increase in the state income tax, sales tax or Cut and Cap plan, as a defense or an affirmation other taxes. of business as usual' as far as property taxes . * -* The delegates also approved policy encourag- are concerned," Engler said. "There is a de- - , ing the closing of the State Police Detroit free- mand and a need, in my judgement, to both way patrol post and redistributing those person- limit the rate of increases in assessments and nel and resources to rural posts that are suffer- actually reduce the property tax burden as a ing from budget problems. means of funding education." i Another policy approved by delegates calls for Engler went on to say that he didn't believe the the development of an "Agricultural Disclosure citizens of Michigan would be satisfied with Statement." The statement would require a status quo any longer, adding that it meant the notice be given a perspective buyer listing con- legislators would finally have to make the tough 4 ditions which may be experienced in a farming choices that would lead to a fairer tax structure. k community, such as dust, odors, noise and farm "I think the property tax, of all the taxes that h*. equipment operating around the clock in some people are faced with today, is the most unfair I cases. The buyer would then be on notice prior and the most arbitrary and the one in need of I to moving into a farming area of pre-existing i -i ; conditions and activities. change," claimed Engler. "I believe the new Legislature will deal with that." I Policy was also approved asking for total repeal Engler also said that 1993 will be a year of I of the state inheritance tax. Delegates also incredible activism, because, "the gridlock is I voted to oppose mandated auto insurance pre- broken." mium rollbacks, unless they're offset by re- forms and reduced costs. "We're going to be a state that is going to be very much on the move, very reform-minded...I On national issues, the delegates recommended would say that Michigan ought to fasten some * that the American Farm Bureau Federation sup- seatbelts and get ready, because we're going to port NAFTA, oppose national health insurance, roll in Lansing on some of the issues that for too support restructured crop insurance and op- long have been languishing and been left unre- pose a National Academy of Sciences study of solved," Engler said. It's time to really write a £ the federal wetlands delineation manual. They record that allows Michigan to approach, with a | also recommended that any reorganization of great deal of confidence, the 21st Century." : ; local USDA offices be apportioned according to benefits delivered and geographic locations. RURAL LIVING • WINTER 1993 Restoration of the Senate Chamber was completed chitects Four, Inc.; Wigen Tincknell Meyer and glass, the building was rededicated last year. in January 1990. Although nearly identical architec- Associates; Quinn Evans/Architects; Dara Olson; turally to the House Chamber, the Senate's very William J. Johnson and Associates; SWS Engi- "The 1992 Honor Award winners reflect the di- different color scheme has rendered each chamber neering; Robert Darvas and Associates; William verse character and meaning of our American unique. Vibrant blues and golds, elaborately sten- Seale; Gary Steffy Lighting Design, Inc.; Washing- cultural heritage," says Robert M. Bass, chair- cilled designs and gold leaf sparkle from the walls and ton University Technology Associates, Inc.; Jaffe man, National Trust for Historic Preservation. "The ceilings. As in the House, skylights once again allow Acoustics, Inc.; Imero Fiorentino Associates; and men and women behind these projects know that light to stream into the chamber through beautifully Corbin Design. by caring for their community, they preserve its etched glass panels in the coffered ceiling. unique identity, its sense of place and their own Although a cherished landmark and the seat of heritage. This is grassroots preservation at its The Michigan State Capitol, resplendent follow- Michigan government for more than a century, best. " ing a $58 million interior, exterior and landscape the Capitol had suffered from decades of continu- restoration, has received a 1992 National Preser- ous use and neglect. The National Trust for Historic Preservation, char- vation Honor Award, from the National Trust for tered by Congress in 1949, is a nonprofit organiza- The challenge for a bipartisan committee was to tion with more than 250,000 members. As the Historic Preservation. modernize the building and restore it to its original leader of the national preservation movement, it is Chosen from hundreds of contenders and repre- beauty while still keeping it open to lawmakers, committed to saving America's diverse historic sentative of exemplary historic preservation staff and 100,000 annual tourists. After three environments and to preserving and revitalizing projects nationwide, the award goes to the team years of painstaking effort, including matching the livability of communities nationwide. It has behind the Capitol's meticulous, dazzling rehabili- original, 19th-century paint colors and patterns on seven regional offices, owns eighteen historic tation: The Michigan Capitol Committee; The nine acres of walls and ceilings and researching house museums and works with thousands of Christman Company; Richard C. Frank, FA/A; Ar- and replicating period fixtures, carpets and etched local community groups in all 50 states. RURAL LIVING • WINTER 1993 '-- ----. :: D ~llJ~ ill Winter is here-a time when Michi- Determine if anyone is injured, gan sparkles with snow and ice, when 1 rj II and contact the police. skis and sleds and skates ana snow- Get the names, addresses, auto mobiles come into their own. But it's license numbers, and names of the a tough time for your car, and a time insurance companies of the other when getting from here to t~ere by, drivers involved. If possible, write automobile can be difficult, danger- down the names and addresses of DWD ous, or even impossible. any witnesses. "Driving in winter demands special :-;: Do not admit being at fault or care," says Luke Schafer, spokes- discuss the amounts of liability in- person for Farm Bureau Insurance in surance you carry. Lansing. "But if you get your car in " Contact your insurance agent, shape, prepare for emergencies, plan \]VlJ[ll m!0 who will contact an adjuster for your route, and take your time, you can avoid IJ • prompt handling of your loss ana assist you all Kinds of problems as you travel through the season." A in any way possible. :;: If you are out of town when an accident ffi Here are some tips for safe wintertime ~ occurs, place a call (collect, if long distancel travel in your car: MAINTENANCE :;: If you haven't done so already, have a mechanic inspect your bat- tery and electrical system-the spark [ ]@ ] D A 1 [1 I to your agent or the nearest Farm Bureau office. ~al~/~~u~r:g~~~Si~~ ~I~~:~t~o~~~~ call to the Farm Bureau Insurance plugs, distributor, alternator belt, and ~ ;r-\ bgme office Claims Department in ignition-and replace any damaged L- Lansing (517-323-70001. Office or worn parts . hours are 8 a.m. to 4;30 p.m., Mon- :-;: Have your cooling system checked, and flushed if necessary. Be sure your antifreeze provides sufficient Rmtection. :-;:Examine your tires for wear. DRIVING • A ~ ~[3 D day through Friday. If you are outside the state and it is after hours, you may report your claim by calling 1-800-241-2541, or wait until the next business day. JUMP. TARTING :r: Slow down and keep your distance from other Here's how to jump start a car that has a weak :-;:If you get stuck, stay with your car unless you vehicles. Falling temperatures, icy roads, strong battery: see shelter nearby. Tie a bright cloth to your winds, blowing snow, and poor visibility make :r: Park the operable car close to the stalled car, antenna. handling and stopping your car difficult. ::: Try to use interstate highways and main roads * If you're stuck or stranded, turn your engine on but not touching it. Set both parking brakes. Put automatic transmissions in PARK, manuals in and off for brief periods of time to provide heat- for long trips. They are better maintained and NEUTRAL. Turn off all accessories and both but always leave a window slightly open to let better patrolled than rural roads. cars' ignitions. Be sure to wear gloves and have fresh air in and carbon monoxide out. Be sure the :r: Watch out for snow plows. While they clear exhaust pipe is clear of snow. eye protection. your path, they may also create visibility prob- ::: Attach the clamp on the end of the booster :-;: Keep a winter survival kit in your car, lems. including: cable designated positive to the weak battery's ppsitive terminal. HANDLING EMERGENCIES ::: Flares or reflective triangles. :: Next, attach the clamp on the other end of No matter how well you maintain your car, and :;j A shovel. that same cable to the good battery's Rositive no matter how safely you drive, you may stall or Jumper cables. terminal. get stuck in bad winter weather. Knowing what A box of abrasive material-salt, sand, or cat :;. Then attach one clamp from the second to do under those circumstances-particularly box filler. (negativel cable to the negative terminal of the on longer trips-might save your life. A window scraper and brush. good battery. :;: If blizzardlike conditions prevent you from seeing road signs, road lines, or other cars, it's Y' A flashlight. 'Ii: Finally, attach the clamp on the other end of probably time to pullover and sto~. Turn on your :!\ Two or more wool blankets, and plastic trash that cable to the engine block of the stalled car, flashers, slowly edge to the shoulder, and stop. bags for insulating warmth. away from the battery. Be sure you're out of the traffic lane. If there's :-;:A coffee can with candle and matches. c!: Start the car with the good battery, rev the a rest area, parking area, or gas station in sight, engine gently, and then start the stalled car. ::: Some nonperishable food. stop there. When the snow subsides, you can ::: Remove the jumper cables in the reverse return to the highway. But if conditions don't IF YOU HAVE AN ACCIDENT order that you attached them. improve, stay where you are and wait for an Here's what Farm Bureau Insurance advises its emergency road crew to give you guidance. auto insurance customers to do if they are involved in an accident: RURAL LIVING • WINTER 1993 A uicy Bitofllitory in the Making Recently, a tomato became the first genetically Enter biotechnology. In general, the tomato is engineered whole food reviewed for safety by ideally suited for genetic engineering techniques. the Food and Drug Administration lFDA). The Tomatoes are fairly easy to manipulate geneti- tomato is known as the FLAVR SAVR. It was cally. Their genetic structure is fairly well char- genetically engineered by Calgene, Inc., a small acterized, and the tomato is easy to work with agricultural biotechnology company headquar- since it self-pollinates naturally and produces tered in Davis, California. In the modified to- many seeds per plant. mato, the gene responsible for an enzyme that More importantly, the market for improved to- softens the fruit by breaking down cell walls has matoes appears large enough to offer a profit to been blocked. With less of this enzyme, the companies with a successful variety especially FLA VR SAVR variety ripens, but spoils and companies that aim at a share of the retail and bruises much more slowly than traditional vari- processed markets. eties. It can stay on the vine longer and develop more taste before it is picked and shipped. Calgene is one of at least five companies trying to genetically engineer tomatoes. Four of these The story of the Calgene tomato is fascinating. companies, including Calgene, are dedicated It starts with the fruit itself. Although the tomato agricultural biotechnology companies lthat is, is really the fruit of the tomato plant, it is biotechnology is all they do). generally regarded as a vegetable. The origin of the fruit dates back to Aztecs who cultivated it. Interestingly, the big names in tomatoes, for Spaniards carried it back to Europe. the most part, are not involved with genetic engineering. These are the large food process- Many considered the tomato poisonous. After ing companies with brand name products using all, it is a member of the nightshade family. tomatoes: Hunt-Wesson 120 percent of the Tomatoes really didn't catch on until the turn of market), Heinz, Campbell's, Del Monte, and the 20th century. Since the 1950s, demand for Contadina lall with 10 percent shares). tomatoes in this country has been steady and is growing. Most people now choose their super- The only one heavily involved in genetically market by the quality of its produce and the engineering tomatoes is Campbell's. They con- produce by the quality of the tomatoes. The trol 80 percent of all can-ned soup sales and tomato industry is now worth over $6 billion at they are Calgene's commercialization partner the end-user level. for processed tomato products developed from biotechnology. The industry is split into processing and fresh market tomatoes. Florida, California and Mexico Bent on improving tomato quality and working provide fresh tomatoes year-round while Cali- with Campbell's and other proprietary tomato fornia dominates the processed tomato busi- lines, Calgene researchers were able to make ness with 85 percent of the production. several significant research break-throughs and, beyond the abilities of conventional breeding With fresh market tomatoes, perishability dic- more importantly, secure patents on their new methods. genetic engineering techniques. tates how the fruit is haNested, marketed and bred. Conventional breeders have concentrated In contrast, processing tomatoes are allowed to They've been working on both processed and on developing a tomato with a tough skin, an ripen fully and sent quickly to processing plants fresh market varieties. For the processed to- easy-to-haNest shape, high yields and, accord- near the fields. Eighty percent of processed mato, which will have a higher solid content, ing to many disgruntled consumers, very little tomatoes are grown under contract lonly 20 Calgene will receive payments from Campbell's taste. percent of the fresh market tomatoes are under based on their savings in processing costs. On contract!. Fresh market tomatoes are currently picked fresh tomatoes, Campbell's will receive royal- green to reduce chances of bruising during Processors are interested in the flesh of the ties on sales and the FLAVR SAVR will be shipping, gassed with ethylene la natural plant tomato, not the juice, and their perfect tomato marketed by Calgene Fresh, a newly formed hormone) to turn red and sold. Spoilage rates of is one that has high solids. Here, too, conven- wholly owned Calgene subsidiary located in tional breeding has fallen short, unable to over- Evanston, III. up to 40 percent are not uncommon. The per- fect tomato for fresh market is one that doesn't come the inverse ratio between higher solids Creating an improved variety and finding the and lower yields. ripen as quickly, but tastes good - properties funding to do so are reasons enough to find the Continued on page 17... see "Ca/gene" RURAL LIVING • WINTER 1993 Increase in Consumer Price Index for Food ( 'I 'I II I 'I' I;. r ')' ) I J I \ I' ~ ) t [ 1 1 ,( I /j 1,' (I, i "i' {< J\ ) I) I" ,i ) " I , f I I: Food remains a real bargain in the United States. Retail beef prices will continue to be pressured The rise in the consumer price index (CPI) for by competing supplies of pork and poultry, but food in 1992 was the smallest in 25 years, a seasonal decline in cattle slaughter near the according to the U.S. Department of Agricul- end of the year may trigger some upward ture. pressure on retail beef prices. In 1967, the CPI for food rose 0.9 percent, and Dairy product prices averaged about 3 percent this year's increase is expected to be around 1 higher through August, 1992, due mostly to percent. That is down from last year's gain of higher prices for raw milk. A reduction in cow 2.9 percent. numbers helped offset continued gains in milk per cow, holding the production increase to 2 Food price increases were held to a minimum percent for the 21 major milk-producing states. by several factors cited by USDA's Economic Research Service. Increased supplies of meats, Prices for poultry, eggs and fresh fruits also will particularly pork, have pushed retail beef, pork average below 1991. Poultry prices have been and poultry prices down. The overall CPI is declining since 1990, mainly because of pro- expected to rise about 3 percent for 1992. duction increases and large supplies. In 1992, however, while production gains in poultry were The low inflation rate has held down costs for smaller than in recent years, the price declines processing and distributing food. Slow growth were larger. Lower prices for pork competing in consumers' real income is keeping demand with poultry for the consumer dollar also con- fairly stagnant, particularly for ready-to-serve tribute to 1992's poultry price decline. foods and restaurant meals. Prices of away- from-home meals were expected to rise only 2 Egg prices were significantly lower in 1992, percent in 1992; the lowest increase since the more than 10 percent below 1991. Consumer mid-1960s. demand is down because of health concerns, particularly about cholesterol, and table-egg pro- The price of meat, which accounts for a large duction has increased only slightly in recent share of consumer food budgets, is the primary years. reason behind the small rise in the CPI for all food. The CPI for meats in 1992 averaged about The CPI for fresh fruit was lower in 1992 simply 2 percent below last year's levels. For all of because it was extremely high last year. Follow- 1992, pork prices averaged nearly 6 percent ing a freeze in California in Dec. 1990, supplies below 1991, while beef prices were more stable of fresh-market oranges fell sharply in 1991. averaging less than 1 percent lower. Prices increased 55.3 percent from the previ- ous year, pulling up the CPI for all fresh fruit by Meat prices were down, on average, during the 13.5 percent. first eight months of 1992 as pork and poultry production displayed solid gains. Although first- Orange production in 1992 had not totally recov- quarter commercial beef production rose nearly ered but was larger than expected with prices 4 percent over the previous year, the gain fell to well below 1991. Fresh fruit prices averaged less than 1 percent in the second quarter. about 6 percent less through August as 1991-92 citrus production rose 9 percent. With a Charitable Remainder Trust, Everyone Benefits Dallas Lincoln, a Farm Bureau Insurance agent when they want to do as much as they can for in the Lakeview area, wanted to give something a certain charity or group, most people don't back to his university for what he learned there want to give the charity all of their assets and for the opportunity it gave him for success. because they want to leave them to their chil- So Dallas, who received his bachelor's degree dren, grandchildren, and people they love. With from Ferris State University in 1959, and his a charitable remainder trust, they can give as wife, Nancy, began the Dallas and Nancy Lin- much as they would like to the charity, and with coln Charitable Remainder Unitrust in the spring the tax savings, they can set up and pay for an of 1990. irrevocable life insurance trust and give an equal amount to the kids. Why a charitable trust? Well, Dallas, who has completed specialized training in the area of "Let's say that I want to give $100,000 to Ferris trusts, says that it's a win-win-win situation. State. With the tax savings, I can buy a $1 00,000 "First of all, you're able to do something for an life insurance policy on myself. If I make the organization you care about. That's a great trust the owner and my small children the feeling. But, there are financial benefits, too," beneficiaries, I reduce my estate for tax pur- he says. "Donors receive tax savings. They are poses by $100,000. At my subsequent death, able to make a large gift and there are no taxes the university receives the $100,000 I've do- on the monies they leave to survivors. nated and my children receive $100,000 from life insurance proceeds - 100 percent income "And it works equally well for smaller dona- tax free. But in the meantime, I've had the use tions. As an example, a couple who is no longer of the income produced from the $100,000 eligible to put $2,000 each into an IRA could invested within the trust and directed by me." establish a charitable remainder trust with that $4,000 and get a tax deduction annually. While Is a charitable remainder trust for you? Maybe. they wouldn't have access to that money, they Dallas says that charitable remainder trusts are could use the income that is produced." a great way for people who have been blessed - with family, friends, all the good things in life How does it work? A charitable remainder trust - to give something back to an organization is a device that allows people with highly appre- that has been a part of their lives. Many people ciated assets -land, homes, businesses, farms, Are there any drawbacks? A charitable remain- use them to make donations to churches, chari- stocks, bonds and mutual funds - to convert dertrust is irrevocable. While you can select and ties, and, like Dallas and Nancy Lincoln, to them into cash and eliminate potential capital retain the right to replace the trustees or invest- schools. "With a charitable remainder trust," gains tax problems. ment advisors or change the charitable benefi- Dallas says, "everyone wins." For example, let's say that a person purchased ciary at any time, you can't get your money back According to Dallas, the donor wins by avoiding stock for $10 a share 30 years ago. Now that if you're not totally satisfied. estate and capital gains taxes, while receiving stock is worth $100 per share. That $90 gain "This is an important decision," explained Dal- substantial tax deductions. The charity wins would be taxed as a capital gain at ordinary las. "For that reason, we require that the person because it receives a much larger donation. The income tax rates if that person sold them. If he considering this course discuss it with his or her heir wins because the value of the entire estate or she set up a charitable remainder trust and financial advisors, attorneys or accountants." is passed to them by the use of tax free life gifted the stock to the trust, the trust could Another consideration is that your donation can insurance proceeds. convert the stock to cash and the donors would eliminate the capital gains tax and receive the create anywhere from a 30 to 50 percent tax "Lots of people I talk to would like to leave a income from the reinvested cash within the deduction of your adjusted gross income. You large amount to their church, for example, but trust. can also carry excess deductions forward to usually don't because they don't know how to future tax returns for up to five years. without short-changing their children," con- Charitable trusts pay no taxes and allow the trustees - the donors - to use the income What about heirs? Dallas explains that the heirs cluded Dallas. produced as long as they live. At the same time, can benefit from this type of trust, too. "This is If you would like more information on charitable the donors receive an upfront tax deduction for where the idea gets clever," he says. "Even remainder trusts, you can contact Dallas Lincoln the contribution. at 517-352-6069. RURAL LIVING • WINTER 1993 A Health and Wellness Publication of Michigan Farm Bureau Winter, 1992 FOODS "DESIGNED" TO PREVENT CANCER ••••••••••••••••••••••• continued Ier shows up these days on everything from jeans to genes. Now it may be showing t. No, this isn't a plot to get children to eat their vegetables. "Designer foods" are the res t"atte~Ptsfby'i'ese,rc,ers~o incr,ase/tie P(Jsit,ve~ealthfrl-qualitieS"'o""c~ain foods and, i se~d,ea\;e-negat.v UDIi)t.. es vr~~aV'Ql~adY befa~iliar r'ithb~JCGOf~O"er, a designer food hat iL 0W of the two vegetable~ ~rocco 1 r t~e rarket i nd caulifl T is"B era vrgeT,le i~rJrbJuct r "s a 10 k at so e 'deJigner oflhVr~idizati,n oods" th t a blend tare 1till in the laboratory. benebca~ Oe~gneo roms lliemically ~esigneo fooos DR. HERBERTPIERSON, Ph.D., a toxicologist at the National Cancer Institute first coined the phrase ..designer food." He hopes to create foods that are specially enriched with naturally occurring plant chemicals called "phytochemicals." Some of the most promising phytochemicals occur in garlic, licorice root, flaxseed, citrus fruits and a group of vegetables that includes parsley, carrots, and celery. Laboratory research has already indicated that specific substances in these plants may help protect against cancer. DR. PIERSON hopes to take advantage of the natural cancer-preventive effect of these plant foods by working with food manufacturers to develop new cancer-preventive foods for health conscious consumers. He hypothesizes that the new foods could be created by formulating a food high in protective phytochemicals, such as garlic, with another that may be low in phytochemicals, such as bread. Although more research needs to be done before these ,.designer foods" can be made available to consumers, Dr. Pierson's goal is to provide more food choices for those following a cancer- prevention diet. GENETICALLV engineered foods won't be available at the grocery store for several years, and Dr. Pierson's designer foods may take even longer. In the meantime, the best way to lower cancer risk is to consume a diet low in fat and high in plant foods such as fruit, vegetables and whole grains. Reprinted with permission by the American Institute for Cancer Research, Washington, D.C. litiis estimated that at anyone time, 75% of Alzheimer's patients are being cared for at home, yet as few as 25% of family member/caregivers utilize services that will help them provide this care. Respite care is a term used to describe time away from the constant care of a loved one. It can be provided in a variety of ways including: paid or volunteer home companions or home health aides, adult day care, overnight or short term stays in facilities such as nursing homes or adult foster care facilities, and other family members providing relief. According to the West Central Michigan Chapter of the Alzheimer's Association, several studies are underway that will examine the reasons why family members do not utilize respite services more frequently. The results may mean better designed services or improved public awareness. What are the possible reasons for not taking advantage of respite care resources? Researchers speculate that there is a lack of awareness that services are available; the cost of service may deter families or the caregiver; reluctance to request a "sitter" or day care for an adult who was once fully capable; lack of transportation; or the caregiver is overwhelmed and overly tired by the physical and mental demands of their task to make a decision . • Why is relief for the caregiver so important? Just as an athlete doesn't try to play the entire game without a time out, the Alzheimer's family member needs a time out to regroup and relax so that emotional and physical strength can be maintained. Sleep, balanced diet and socialization are essential ingredients for keeping a caregiver health enough to "stay in the game." Sometimes it is easier to seek respite services with a sUPP9rt person to act as partner, helping to tfrom five alarm peppers, or just make phone calls or visits. Asking a friend or family member is a way to include them at a time m the stove, chili makes a warm when they want to help but aren't sure how to offer assistance. Once they understand the tasks, ome meal to fight the chill of winter people usually feel relieved that there is something concrete and helpful to do. Support group members are excellent helpers and sources of information. e are as many recipes for this South- pecialty as there are chili cooks. Most Finding respite care that is affordable and convenient can be frustrating, but the relief and a hearty, spicy combination of meat. energizing effects of getting out a few days a week makes home care more manageable and could ans, tomatoes and seasonings - an keep an Alzheimer's patient at home with the family a little longer. ensemble replete with possibilities for making a lowfat dish that's a good source of vitamins Finding and Using Respite Care Services nd C, protein and fiber. The Michigan Commission on Aging, a state agency with office locations in many counties, may provide home respite care or will provide a listing of available private care respite providers. In ke Homemade Healthier several Michigan communities, volunteers in the Retired Senior Volunteer Program (RSVP) are ry more beans! The ratio of meat to beans assigned as available to provide respite care. Check the yellow pages for these agency IistlQgs. termine the amount of fat- more beans Churches often have groups or individuals available to help. And many community hospitals, ess fat. Red kidney beans, black beans, nursing homes and adult foster care centers offer respite on an overnight, weekend or short term pin s, chick peas, or other legumes are basis. Contact them directly to inquire about costs. excell ces of fiber, lowfat protein and Private care nursing or companion services are also available and listed under IINursing" in the ,~other nts. An added bonus: They make yellow pages. Average cost is $8-9 per hour for an aide, higher for a nurse. Average minimum the economical to prepare. length of stay is three to four hours. ing to include ground meat. make I P e ounces of regular ground beef ut 18 grams of fat. while the same f extra lean ground beef provides rams. Ground turkey is also a good ce, but check the package with the butcher , For more specific information, contact the nearest Alzheimer's Association chapter. Chapter listings are available by calling the National Alzheimer's Association at 1-800-272-3~OO. or a selection that's no more than 10-15 percent fat by weight. Whatever your prefer- ce, fat content can be further reduced by ining off fat after browning. Extra vegetables provide extra nutrition, onsider adding more chopped green r, tomatoes, onion, and celery to the pot. e highly seasoned taste of chili, it's repare a delicious dish without any I for the caregiver o I p~ N E Vaccine Grants Lifetime Immunity breathe freely. In an effort to nated at least 2 weeks before piratory infection with fever is clear the lung passageway, elective splenectomy, cancer present. DesPite modernmedi- people with pneumonia cough chemotherapy or immunosup- The current vaccine is not rec- cine, pneumonia still kills continuously and when the dis- pressive therapy. ommended for the treatment thousands yearly. Nearly nine ease progresses, they gasp for Adults and children under two of people having only recurrent out of ten older Americans are every breath. years old should be vaccinated upper respiratory tract disease, unnecessarily leaving them- if diagnosed with chronic ill- including otitis media and selves open to a deadly dis- Who Should Be Vaccinated? :. Older Adults nesses specifically associated sinusitis. ease. Pneumonia, a lung dis- with increased risk of pneumo- ease which ends the lives of Pregnant, high risk women Senior citizens and others coccal disease or its complica- 66,000 seniors annually, is the should delay vaccination or be susceptible to pneumonia are tions, nephrotic syndrome, cere- leading cause of death by infec- vaccinated before pregnancy advised to get the immunization brospinal fluid leads and condi- tious disease in the United since safety has not been evalu- now. The pneumonia vaccine tions associated with immuno- States. It has been estimated ated during pregnancy. is available year around and suppression, or HIV infection. that 400,000 - 500,000 cases of vaccination can take place at any Individuals who have had aller- pneumococcal pneumonia may time. Unlike the influenza vacci- Who Shouldn't Be Vaccinated? gic reactions to the vaccine in occur annually in the United nation, which is an annual proce- The vaccination should be de- the past should not attempt to States. dure, the pneumococcal vaccine layed if an active infection or res- be vaccinated. Now a pneumonia vaccine can change those numbers! The one-time shot, which for most people grants a lifetime immunity against pneumonia, is available from physicians and at health centers around the country. "The common misconception is long term with revaccination is that AIDS is the leading killer occurring only under special cir- SIDE EFFECTS AND ADVERSE REACTIONS* by infectious disease. This is cumstances. just not so, " said Lee Reichman, Recent studies also show that M.D., president of the Ameri- .. The vaccine cannot cause pneumococcal adults over 50 years old would can Lung Association. "Pneu- infections because this vaccine contains only benefit from immunization and monia is killing more people." noninfectious capsular polysaccharides of 23 of would produce significant anti- The disease, which often body response. the most prevalent serotypes responsible for in- starts out as the flu in the fection. :. Adults and Children respiratory system, killed 74,957 Americans in 1989. Other adults with high-risk of .. About half of those who are given pneumo- Nearly 9 out of 10, or 66,000 of pneumonia infection are people coccal vaccine have very mild side effects, such as its victims, were 65 and older. with chronic lung disease, such redness and pain at the injection site. Pneumonia begins when invad- as asthma or emphysema. In " Fever, muscle aches, and severe local reac- ing bacteria or virus gain addition those with chronic tions have been reported in less than one percent disorders of the pulmonary or a foothold in the respiratory of those vaccinated. system and multiply. White cardiovascular systems, diabetes mellitus, alcoholism, cirrhosis or .. Severe systemic reactions, such as anaphy- blood cells, one of the body's cerebrospinal fluid leaks would laxis, are rare. weapons against infection, try benefit from vaccination . .. In adults and children, revaccination after to fend off the invading disease within the lungs. This leaves Those with chronic illnesses four or more years has found an incidence of local little room for oxygen to pass such as Hodgkin's Disease may reactions similar to those after initial vaccina- through and, subsequently, require future reimmunization. tion, i.e., less than one percent does not allow the sufferer to Patients should also be vacci- * Source: The American lung Association ham weighing 5 to 7 pounds. may require extra preparation, such as soaking and simmering in the water. Be sure to check When Is O. How long will hams keep in the refrigerator? A. A ham wrapped in plastic may be stored in the original wrapping in the refrigerator for one week. Some canned hams also need to be the label. Allant refrigerated. Check the label and make sure the can has no bulges, cracks, dents or rust. Usually canned hams can be stored for up to six months. If you purchase a ham that was stored on a shelf and the label states that it should have been Allant refrigerated, return it do not cook it or taste it. O. Can you freeze ham? A. Yes. For best results, the ham should be used within two months. Freezing for longer periods • ~ can result in loss of flavor and texture. Wrap the ham tightly in freezer paper or plastic wrap. Have you ever looked at a ham's label and wondered exactly what it meant? If so, you're O. What's a country ham? not alone, says Beverly Mair, a Macomb County Extension Home Economist. Many consumers A. A country ham, also find that shopping for a ham can raise all kinds called a country-style or dry- of nutrition, cooking and storage questions. cured ham, is dried and cured Here are a few of the more common questions. with salt, then smoked and aged. Because of its processing, O. What is lower sodium ham? it does not need refrigeration. After cutting into a country ham, it's A. If a ham is labeled "lower sodium" or "'ower best to use it right away or store salt" it contains 25 percent less sodium than in the refrigerator. Because they other hams. Processors use less salt in the tend to be dry and salty, they curing solution. The reduced salt makes the hams more susceptible to bacterial growth, so refrigeration and cooking directions must be followed carefully. O. Do hams differ in nutritional content? A. There are many types of hams on the market. Those labeled "ham" provide the most protein. Those labeled "ham with natural juices" are next in protein content. Those labeled "ham - water added" have the least protein. Each label has additional corresponding requirements set forth by the U.S. Department of Agriculture. O. How long do you cook ham? Whether you're looking for a small, rustic cabin or a large Call or write today. A. If you don't want to spend a lot of time spacious home, an HONEST ABE LOG HOME is for you. 0 Send me your FREE full-color brochure explaining cooking a ham, you may want to buy a fully Our log homes are special, one of a kind, homes. Let us your log homes. cooked ham. These are available in either plas- help you create your own special home. Our company has 0 Enclosed is $8.00 for your color catalog, which in. tic wrapping or in cans. They're fully cooked many years of experience and hundreds of homes as a tes. eludes 40 standard floor plans. during processing and may be eaten cold or timony to this fact. 0 Please send Dealer Information • In House Financing at low, competitive rates. heated. A fully-cooked ham should be heated to r-------------------------------------~ • Free design services let you create your dream home. :Nrone : an internal temperature of 140 degrees F before • Construction service to make it easy for you and assure : Address : seNing. Hams labeled "cook before eating" you the highest quality job. • Large, massive logs accurately pre-cut and numbered : City State : should be cooked to an internal temperature of at our plant to provide the highest quality materials. :L Zip Phone :J: 170 degrees F. Place the uncovered ham on a rack or in a shallow pan in a 325 degree F oven. Allow 10 to 20 minutes per pound for a 10 to 15 pound ham, and 20 minutes per pound for a half ~~:c108. OllIS Dealerships Available. Please clip and mail to: Route 1, Box 84TSR Moss, Tennessee 38575 1.800-231.3695 RL 193 RURAL LIVING • WINTER 1993 With more and more communities passing laws restricting the disposal of styrofoam in landfills, industry is being pressured into finding an affordable substitute. U.S. packers and ship- pers currently use over 78 million pounds of styrofoam loose-fill packing each year. Rodda says that if only 20 percent were replaced with CornPak, it would create a market for an addi- tional 2.5 million bushels of U.S. farmers' corn. CornPak is offered at about the same cost as styrofoam peanuts and about one-half of the cost of some other environmentally friendly packing materials. For more information, con- tact Innovative Packaging Corporation, 304 W. Hill, Champaign, IL 61820 (phone: 217-352- 0095). The manufacturing of CornPak can be used as feed for wildlife or livestock, composted, or tilled into a garden. Moisture completely decomposes the mate- rial and returns it to the soil. A Boost for Corn Growers and the Environment A potentially profitable new market for corn - CornPak can be used as feed for wildlife or - and a solution to a major environmental livestock, composted, or tilled into a garden. waste problem -- is now available with the Moisture completely decomposes the material introduction of CornPak, a new loose-fill pack- and returns it to the soil. ing material developed by two University of The manufacturing of CornPak is also environ- Illinois agricultural researchers. mentally sound and energy efficient. Unlike Made of "puffed" ground corn, CornPak is styrofoam production, CornPak requires no attracting the attention of industry and environ- petroleum-based CFCs or blowing agents, which mental groups because it's both affordable and have been shown to damage the earth's ozone completely safe for the environment. It's the layer. The spheres are formed by the same low- first heavy-duty, 100 percent biodegradable al- energy process used to make breakfast cereals ternative to styrofoam loose-fill packing, which and snack foods. Ground corn is heated quickly, has long been a concern because of the envi- which puffs up the corn starch and gives CornPak ronmental problems caused by its manufactur- its desirable shape and cushioning properties. ing and disposal. And CornPak is receiving a CornPak offers the shipping and mail order special welcome from farmers because it uses industries a number of performance advan- their abundant, renewable and edible resource: tages over other packing products. CornPak U.S. corn. doesn't conduct static electricity, an advantage CornPak is manufactured in approximately l' when shipping sensitive electronics. Its natural spheres that offer similar packing properties to absorbency can also protect the packed prod- styrofoam" peanuts." It contains no chemicals uct from moisture and spills during shipping. or synthetic ingredients (the only additives are soybean lecithin, also a food product, and a According to developers Errol Rodda, VI Professor of small amount of newspaper), so disposal is Agricultural Engineering, and Alvin Nelson, professor easy and environmentally safe. emeritus of Food Science, industry has a critical need for a product like CornPak. RURAL LIVING • WINTER 1993 SPREAD THE WORD ... Even~. "Calgene" continued JOhnny .. Calgene story fascinating. But it doesn/t end there. Obtaining regulatory approval to test and market a product created by new technologies Now, both the FDA policy on genetically engi- neered food and the approval of the first geneti- GOI His cally engineered whole food product are ap- was even more challenging. proaching completion. At the time Calgene had a product ready to test Seed When the FLAVR SAVR tomato receives final (1989), federal agencies were still in the pro- FDA approval, it will be less than a year before cess of deciding how to treat products arising the tomato reaches the market. When it does, from biotechnology. Calgene realized its prod- uct could help in the development of a regula- tory process for genetically engineered whole as you bite into one, you'll be experiencing more than just a juicy ripe tasty tomato. You'll be savoring a piece of history. from ... foods. Simultaneously, the Food and Drug Administra- LIBERTY Don't miss our new 1993 catalog tion (FDA) needed a "pilot product" so they of unusual items: could fully understand the issues and develop a • Miniature Vegetables • Ornamental Wheat sound, scientifically-based policy . • New Cutting Flowers The two needs merged. 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MILL, SC 29715 PHONE 1-800-627-9276 While in Michigan, the Chinese delegation toured the by hand, and the average dairy farm consists of portant when you recognize that they're taking Michigan Farm Bureau and met with several staff just 10 cows, compared to the average Michigan as many as three crops off their ground and members to discuss Farm Bureau's organizational herd size of 80 cows. they're taking the entire plant in many cases," he structure and operation. Pictured with the group is Despite those facts, Chinese agricultural produc- said. "They'll take the entire corn plant for ex- MFB Administrative Director Chuck Burkett, and MSU tion has nearly doubled in the last 10 years ample, not just the ear, and they'll even take the Professor Dr. Frank Brewer (third and second from ,thanks in large part to major reform efforts, that roots of the plant to use as a fuel in their stoves. " right, respectively, front row). should remind all of us about the merits of free- Brewer explained that the Chinese will often enterprise. interplant new crops among maturing crops, Two of the biggest communist party systems "Ten years ago, we adopted the household re- since planting and harvesting is all done by hand, have experienced change. The former U.S.S.R. sponsibility system, which means that each farmer allowing for triple cropping in many cases, except underwent change overnight that shocked even can get land from the state and they have the right in northern China. "They can plant corn in wheat, the most optimistic. to decide which crop to plant," explained Chung. for example, harvest the wheat, and then turn "That's why the Chinese can produce enough around and plant snap beans around the corn China, on the other hand, is undergoing a much plant," Brewer explained. more subtle change, but it is change nonethe- food to feed our people and still export food less, and its been underway for over 10 years .It's products to the U.S.S.R. and other countries." With such a labor intensive agriculture, nearly 40 allowing joint ventures to take place. It's allowing Just how much trading the Chinese do surprises perc~nt of ~hina's population is engaged in pro- more freedoms in decision making at the farm many. China's trade surplus with the U.S. in 1992 duction agnculture, compared to 2 percent in the level and it's improving the standard of living and was expected to top $20 billion. A recent trade U.S., requiring a large Extension staff as well. the diets of the Chinese people. agreement between China and the U.S. will elimi- There are nearly 300,000 Extension workers in nate China's import licensing requirements, quo- China, accounting for over half of the world's Sixteen Extension specialists from the National tas, and other trade barriers over the next five Extension workers according to Brewer. Agriculture Technological Extension Center in China spent 20 days in Michigan, looking at the years, averting the threat of a trade war between "Extension is run through a centrally planned MSU Extension Service's structure and relation- the two nations. economy, at least in the past - it's part of the ship with agricultural producers and consumers, In addition to trade, Chinese agriculture is at- government," said Brewer. "But they're very in an effort to tap into some of our democratic tempting to cope with other issues, such as inter~sted in adapting some of our techniques to processes, according to MSU Agriculture and biotechnology, environmental concerns and con- proVide more freedom of discussion in terms of Extension professor, Dr. Frank Brewer. servation techniques. "The government has is- what the local communities want; what the farm- sued several laws to protect the water and the ers would like to do in planting, raising and selling Their impression of Michigan agriculture? "Big- environment by regulating the chemical and fer- ~rops; and determining which inputs they're go- very big, much bigger than Chinese agriculture," Ing to use. said Nie Chung, deputy division chief in the tilizer use," said Chung. "We have recently be- Chinese Agriculture Technological Center and gun using no-till farming methods, which have "These. Extensionists now see that they can interpreter for the group. "Your farmers use provided a number of benefits for our soil struc- work With these communities with a different many large pieces of farm equipment - that's ture. " mode.1 than the top down model that they've different from China." Chinese agriculture has made use of fertilizers used In the past. They'll be allowing the Chinese and chemicals for quite sometime but, according communities to determine their needs and trying How different? According to the Chung, the to Brewer, the amount available is far short of the to let them make decisions they've never made average Chinese farm is just one hectare (roughly amount usually required. "That's especially im- before," Brewer concluded. 2-1/2 acres), a majority of the farming is still done RURAL LIVING • WINTER 1993 Travel t o England, European A d v e n t u r e Tour Ireland, S c o t l a n d , visiting A u s t r i a , & Wales S w i t z e r l a n d & Italy July a-23,1993 August 14-25,1993 One does not need the "Luck of the Irish" to enjoy the Our 12 -day central European tour takes in the beautiful many attractions included in this deluxe package. This countryside of Austria, the mountains of Italy and the 16-day tour is full of many great attractions including lakes of northern Italy as we visit Fairytale Bavaria, the such things as Killarney, the Ring of Kerry, the Blarney Passion play village of Oberammergau, the Italian resort Castle, Waterford Crystal factory, Dublin, Edinburgh of Stresa and Linderhof Castle. Castle, an overnight stay in Ruthin Castle in Wales, theatre tickets to a Royal Shakespeare Theatre produc- This European tour includes roundtrip airfare, transfer, tion, a Medieval Banquet, a visit to Stonehenge, deluxe motorcoach transportation, first class and Buckingham Palace, and a tour of London, as well as Tyrolean-style hotel accommodations, European-style London Theatre tickets. Our package includes roundtrip buffet breakfast daily, 1 dinner, and much more. The airfare, deluxe hotel accommodations, 24 meals and much Farm Bureau member price is $1,725. Non member price more for $2,799 per person. is $1,755 per person. Heritage of A m e r i c a September 25 — October 3,1993 The beautiful colors of the fall fohage combined with America's most historic areas makes this a most outstanding tour for Farm Bureau members. Our travels will include New York City, the city of Brotherly love — Philadelphia, the Amish country of Lancaster, as well as Gettysburg and the Shenandoah Valley. Our adventures will then take us to Monticello, colonial Williamsburg, and then to our nation's capital, Washington, D.C. This deluxe tour includes air transportation, first-class hotel accommodations, deluxe motorcoach transportation, 15 meals, and full sightseeing and admissions to all attractions. This 9-day tour is available for $1,299 per member. C o p e n h a g e n Plus October 9-16,1993 Scandinavia this fall could be the most refreshing, truly different vacation you have ever had. Scandinavia is different, but you will feel very much at home. Our one-week vacation offers you the opportunity to enjoy Copenhagen, Denmark — one of Europe's most exciting capital cities — known for its fun loving spirit! Copenhagen has many fine museums, Royal Palaces, and an old harbour district with colorful cafes and cosy restaurants. The Strogit is the famous pedestrian shopping center — Europe's largest — where you can find the finest of Scandinavian goods and crafts. Our package includes roundtrip airfare, accommodations at the 4 star Sheraton-Copenhagen, a 2-night cruise to Oslo, the capital of Norway, city sightseeing, Danish breakfast each morning, 2 dinners, and much, much more for the unbelievable price of $1,235 for members, $1,255 for non-members. .. ",. TAKE THE BITEOUl,OF;DENmcARE.cOSTS ..I ~ . / .. Member dental insurance is the affordable way to assure that you and.your family receive the dental care service~ you require ~ even when sudden and costly needs arise. " - I Mea'sure the"rates against yo~r annual dental care' bi~lsand consider the advantage! .'_= . Single '$18 per month ~ Couple $32 per month , ~ Member/Chil.d $32 per month • Family $41 per.month... ... MICiliGJlN .' . . •• ~ F~RItI BVRE.JlV TO RECEIVE ADDITIONAL INFORMATION AND A BROCHURE/APPLICATION, PLEASE FILL OUT THE COUPON BELOW OR CALL DIRECT '-800-292-2680 EXT - 3237. Please Print Please mail to: Michigan Farm Bureau Membership Services P.O. Box 30960 Address Lansing, MI 48909 Ci State ZIP .. ".A NEW MONEY$1\VINGHEALTH PlAN' .. . . ." 'In these tough econ"cimic times allbusinessowners"areklOking-fdr ways to improve their bottom line . . Now Farm B.ureau can help' with a new mon~y savin,g,group HeaithPlah !rom Blue Cross Blue Shield'of Michigan ... ". I ....... _ ,; ,.' .~" 9~. \. J • Th'ese new p'lans are gUqran"teed is~ue no-matterwhat your health history, locally serviced by.our 69 county offices' and 400 agents. statewide . . and competitively' priced to sa've farm Qwners and operptors'hundreds or even thQusands otdollars off their. health insurance biil-. '- So;"if-you're a $oie' proprietor or if you h~lVe:one or more employees. you should call Farm ~ureau today for' benefit and rate'information: •• ~ '•• ", .• r1 .... 'MICHIGAN ·.: ..... FARM ".' ; - 'BUREAU FOR A FREE, NO OBLIGATION RATE QUOTE - FILL OUT THE COUPON BELOW OR CALL DIRECT 1-800-292-2680, EXT. 3239 OR 3240. Please mail to: Michigan Farm Bureau Membership Services P.O. Box 30960 Lansing, MI 48909 Please Print Name Current Health Insurance Address Number of Full Time Employees o Sole proprietor (1 person group) o 2-4 0 5-9 II o 10-24 0 25 and over Available Exclusively to Michigan Farm Bureau Members many families that were built over a lifetime, you're covered, you will be protected for life, Last year, senior says Fleming. says Fleming, meaning your insurance is guar- anteed renewable for life. "T oday many qualified nursing home facilities Americans spent over cost $60 to in excess of $150 per day - and Your premiums will never increase because of $600 billion on wng- those costs grow dramatically every year," said Fleming. "Statistically, half of the people enter- your age or changing health, and there's no requirement of prior hospitalization for nursing term care. Nearly half ing a nursing home will stay an average of 2.5 home or home care benefits. In addition the years. At the current estimated cost of $80 per policy doesn't exclude pre-existing conditions, of that amount came day, it will cost $79,360 for the average 2.5 and benefits are provided for Alzheimer disease years of long-term care." as well as other forms of senility. directly out of the Unfortunately, many people are surprised to "MFB members can also take comfort in know- learn that Medicare pays only about 2 percent of ing that this plan is provided by AMEX Life pockets of patients the nation's long-term care expenses, and that Assurance Company, which pioneered the de- or their families. Medicaid coverage begins only after most as- velopment of long-term care insurance," ex- sets have been depleted. plained Fleming. "AMEX is also rated A+ by A new Michigan Farm Bureau member service A.M. Best Company (independent analyst of With MFB's new longterm care program, mem- program can now help keep you from becoming the insurance industry who base their analysis bers can select the plan best suited to their one of those families, according to MFB Mem- on financial position and operating performance!. specific needs. You can select the length of ber Services Department Manager Doug and is widely recognized as an industry leader in nursing home coverage to help pay for care and Fleming. Available through Farm Bureau Insur- the field of long-term care. It's no coincidence assistance - two years, three years, four years, ance agents, the policies are underwritten by that AMEX is also endorsed by the American even for life. Members can also choose whether AMEX Life Assurance Company, a subsidiary of Health Care Association." to have daily benefit amounts increase auto- American Express. matically to cover rising costs, due to inflation. To learn more about this newest MFB Member According to a U.S. News & World Report, one Service, available exclusively in Michigan through Ideally, members age 40 to 84 may want to out of every two people age 65 and older are Farm Bureau Insurance agents, call your local discuss the feasibility of a long-term care plan likely to need long-term care in their lifetimes. Farm Bureau Insurance agent or fill out and mail with their Farm Bureau Insurance agent. Once The costs can destroy the financial security of the coupon on page 23. RURAL LIVING • WINTER 1993 WORkrnD \ FACES OF OUR INSUREDS. Worry? Not them. And why should you when you can protect your life savings with a Long Term Care Plan from AMEX Life Assurance Company? Regrettably, two in five older adults will require nursing home care.1 With costs averaging about $30,000 per year2 it's easy to see just how devastating this can be. But it doesn't have to be this way. With AMEX Life you can plan on peace of mind. AMEX Life, an American Express company, has over 16 years experience in long-term care insurance and is rated A+ (Superior) by A.M. Best.3 Don't be worried by the costs of long-term care. Call or write today for more information from your local Farm Bureau Insurance Agent on the options available to you. Representing: AMEX Life Assurance Company @ • "bs;d'.", of @ r TRAVEL ~RELATED SERVICES I. Consumer's Guide to Long-Term Care Insurance, HlAA 1989 2. U.S. News & \'<'orld Report, Aug. 13, 1990 3. Independent analysts of the insurance industry who base their analysis on financial strength and operating performance. TO RECEIVE ADDmONAL INFORMATION AND A BROCHURE/APPUCATION , PLEASE FILL OUT THE COUPON BELOW OR CALL DIRECT 1-800-292-2680 EXT- 3237. Please Print .... /tI.CH.GAN .... FAR/tl BIJREAIJ Name Please mail to: Michigan Farm Bureau Address Membership Services P.O. Box 30960 Ci State ZIP Lansing, MI 48909 Ph ne Coun Q9( COMPANY SO GOOD, PEOPLE CLING TO US FOR LIFE Why do so many Michigan families stay with us year after year, decade after decade? Because Farm Bureau Life Insurance Company of Michigan has the financial strength and stability to guarantee family secu- rity for generations to come. We are the only Michigan-based com- pany to make the latest list of Americas top 50 outstanding insurers, as prepared by Ward Financial Group. Based on five-year results, Farm Bureall Life was praised for attaining superior financial performance without sacri- ficing safety and security. Our investments are safe and secure (we have never purchased junk bonds) and our yields have outperformed the life insurance industry average in six of the last seven years. Farm Bureau Life has received the A+ (Superior) rating from the A.M. Best Com- pany every year since 1976, one of only a few life insurance companies so honored. When you want to protect your family, build a college fund, or create a lifetime retire- ment income, just call your local Farm Bureau Insurance agent. We're the company you can depend on for life. Making your future more predictable ... FARM BlJREAlJ •••. JAlAlI IUIlAU MufUAt • IU"" 'NSlJRANCE IOtlAU llJl • 'AI ... 1O'llU r.f ....... l • '. AHNljm Michigan Farm Bureau Rural Living Magazine P.O. Box 30960 7373 W. Saginaw Hwy. Lansing, MI 48909