MICHIGAN'S 1993 HEALTH CARE: "PROMOTING FRUIT PRODUCTION RANKS FIRST & SECOND CONTROL FOR INDIVIDUALS" IN MAJOR CROPS The eight major fruit crops in the Great More than 100 Michigan farmers went to the nation's capital in mid-March for Michigan Farm Lakes State emerged from dormancy with- Bureau's 34th annual Washington Legislative Seminar. They talked with congressmen about out frost damage, according to the Federal! a variety of issues, but topping the list of concerns was health care reform. State Michigan Agricultural Statistics Ser- Rural people have a tremendous stake in the health care debate. Many farmers, and other vice. Below normal temperatures in late independent business persons in rural areas, must purchase health care insurance instead of May and early June resulted in slow fruit receiving it as a benefit of employment. So, more than most, they are very aware of the high development. Pollination of some fruit was cost of coverage. Likewise, farmers and other people who live in rural Michigan know about hampered; however, bywindy cool weather. the problems involved with availability of health care services. Unfortunately, President Insect infestations were low, but fungal Clinton's proposal, with its emphasis on centralizing health care under government control, and bacterial damage was substantial. does little to address these cost and availability concerns. Apple production reached one billion Farm Bureau believes there should be improvements in our health care system. But those pounds, down 8 percent from 1992. The changes should be made in such a way as to promote the responsibility and control of the farm-level value of the crop was $90 million, individual for his or her health care decisions. Federal tax policies should be used to encourage up 1 percent from 1992. The yield estimate individuals to prepare for their own health care needs through programs such as "Medisave" was 18,300 pounds per acre. Michigan accounts. And there should be a minimum of government interference in decisions between ranked second among all states in apple providers and receivers of health care. output. The quality of the 1993 crop was excellent. Washington, New York and Cali- Sen. Patrick Moynihan has pointed out there is no general health care crisis in the US. In fact, fornia orchards produced 5.0 billion, 870 very, very few people in our country today go completely without health care of any kind. But million and 850 million pounds of apples, there are real and urgent problems with the health insurance system. To address those respectively. problems, our Farm Bureau policy favors legislation to permit a 100 percent federal income tax credit or deduction for those who self-finance their health insurance, the reduction of state and Tart cherry production hit the 270 million federal mandates which require certain provisions to be included in all health insurance policies pound level. The utilized production of 220 and the periodic review of unnecessary regulations that force up the cost of health care. million pounds constituted 84 percent of the national total. The estimated 50 million Farm Bureau also calls for greater efforts by medical schools to train additional qualified family pounds of un utilized production was attrib- physicians who intend to practice medicine in rural areas, and economic incentives at the state utable to low prices and poor quality. The and local levels to encourage doctors to practice in rural areas. yield in Michigan leaped to 8,180 pounds President Clinton has tried (and in my opinion, failed) to make a persuasive case for undertaking per bearing acre, up from 7,230 pounds in a massive reform of our nation's health care system. It remains to be seen whether the 1992. president and his advisors are motivated by genuine concern about the availability of health Michigan was also the leading state in care, or are merely trying to find a great "social crusade" to support the president's re-election. cultivated blueberry production. The 87 Fanning hysteria about a "health care crisis" is not going to be a winning political strategy in million pound output was over half of the the long run. That's because most people are beginning to see beyond the rhetoric about so- U.S. total. The farm-level value of this fruit called greedy insurance companies and doctors. The American public is beginning to realize was about $35 million. About 78 percent of that true health care reform lies in enhancing the ability of individuals, not government, to make Michigan blueberries were frozen or canned. crucial health care decisions. New Jersey growers produced 34.5 million pounds. Peach production dipped 4 percent from 1992 to 48 million pounds. Michigan pear output fell from 6,000 to 5,500 tons; prune- plum tonnage slipped 22 percent to 7,000. The production of grapes rose 17 percent to 55,000 tons. There were, however, 6,000 tons that were not used, because frosts Jack Laurie, President ended the weather-delayed harvest. Sweet cherry production rose 67 percent from Michigan Fann Bureau 1992 to 30,000 tons; 10 percent of the crop was not utilized. RURAL LIVING • SPRING 1994 11= A Publication of Michigan Farm Bureau Spring 1994 Photo: Michigan Travel Bureau In This Issue 4 EATING IN AMERICA TODAY Study reveals actual food consumption. 8 THINKING ABOUT LAWN CARE? Get some helpful hints on what to look for in lawn care seNices. 18 MIClllGAN PRODUCED MILK GOES OVERSEAS Dry ice cream produced from Michigan produced milk hits the export markets. 20 TOP YOUNGFARMERS Read about MFB's award winning young farmers. Of Special Interest 11 INSIGHTS FROM FARM BUREAU INSURANCE Helpful insurance tips you can use! The RURAL LIVING (ISSN 0743-9962) is published quarterly in the months of October, January, April, July, as a service to associate members, by Michigan Farm Bureau, 7373 West Saginaw Highway, Lansing, M148917. Oct.. 30, 1992, Vol. 11, NO.3. Member subscription price of $1.50 included in annual dues of Michigan Farm Bureau associate members. Additional subscription fees required for mailing Rural Living to non-members and outside the continental U.S.A. Second-Class Postage paid at Lansing, 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, MI 48909-8460. Editorial: Dennis Rudat, Editor and Business Manager. Staff Contributors: Mike Rogers; Connie Lawson; Donna Wilber; Henry Huisjen. Officers: Michigan Farm Bureau President, Jack Laurie, Cass City; Vice President, Tom Guthrie, Delton; 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, Doug Darling, Maybee; 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: Jack Laurie, Cass City: Faye Adam, Snover; Jan Vosburg, Climax; Judy Emmons, Sheridan. Promotion and Education, Paul Swartzendruber. Young Farmers, Andy Hagenow, Rockford RURAL LIVING • SPRING 1994 , • Study Reveals enca Actual What's really on Fat: Where Reduc!ng Fat Atnerica's plate? We Get It in the Diet A recent dietary consumption sUNey of 2,000 Fat from the milk group and hidden fat in the The study found consumers who trimmed their households found that Americans aren't really bread and vegetable groups contribute 45 per- meat saved about 7 grams of fat per day, which eating by the book - or by the Food Guide cent of the total fat to the daily diet. although is equal to 63 calories. Pyramid. these foods are not being consumed at recom- "Selecting lean cuts, using low-fat cooking tech- mended levels. The meat group (meat, poultry, The new study, Eating in America Today (EAT). niques and eating appropriate portions could fish, dry beans, eggs, and nuts) contributed 41 was conducted by Market Research Corpora- further reduce fat from the meat group," percent of the fat to the total diet. Fats, oils and tion of America (MRCA) Information Services Hentges explained. "Consumers also can cut sweets contributed 13 percent of the total fat. for the National Live Stock and Meat Board. fat by selecting low-fat choices from the bread MRCA sUNeyed 2,000 households matched to While consumers understand that the milk and and milk groups and by not adding fat to their U.S. Census statistics to ensure accurate repre- meat groups contribute saturated fat. many vegetables. " sentation. people were surprised to learn that the bread groups contributes 19 percent of the saturated The study was conducted to evaluate consum- fat to the diet according to the survey. ers actual food intake (eating habits) compared to their attitudes. The research examined the "The study showed a definite dietary imbalance nutritional contribution of all foods and took a and a need to decrease our fat intake from all close look at meat's role in the diet. sources," said Eric Hentges, Ph.D., director of nutrition research for the Meat Board, and coor- The EAT sUNey found Americans consumed an average of 1,669 calories a day, with 37 percent dinator of the EAT sUNey. "But in particular, we . of total calories coming from fat - 7 percentage need to cut back on the over-consumption of \ {t~t Meat, Poultry, Fish, points above the 30 percent fat recommenda- foods that provide empty calories. In otherl \ \~tt Dry Beans, Eggs & Nuts Group ~ words, choose nutrient-dense foods." \ ':::~ tion. Saturated fat accounted for 13 percent of 2-3 SERVINGS calories, versus the 10 percent recommenda- Milk, Yogurt & Cheese Group ::::). (t c;) ;) 12 tion. The sUNey also found that. on average, 2.3 SERVINGS . ::::~~ UG~ £&otSV cholesterol intake was 253 milligrams per day, which is less than the 300 mg. per day limit. ,$~J>:....... In general, the EAT sUNey found that all seg- '. 8ft@ ments of the population were under-consum- ers of foods in the vegetable, fruit, bread and milk groups and over-consumers of fats, oils and sweets. On average, the population con- Bread, Cereal, sumed at the high end of recommended serv- Rice & Pasta Group ings for the meat group. 6-" SERVINGS Actual Consumption Pyramid Total U.S. population, ages 4 and up RURAL LIVING • SPRING 1994 Quiz Eating in America Today A Dietary Pattern and Intake Report by the National Live Stock and Meat Board Please take a few moments to answer the following questions, taken from "Eating in America Today: A Dietary Pattern and Intake Report." Then turn this page upside down to determine how well you know the eating patterns of today's American consumer. 1. Which of the following represents the least consumed food group on the USDA Food Guide Pyramid? o a, Vegetables o b, Fats o c, Fruit '(Sleaw AlapeA pue Sleaw passa:::JoJd'awe6 'leaA 'qwel'~JOd 'taaq) leaw ou lea Allenl:::JeSJawnsuo:::J to % l 2. What is the average daily consumption of meat (beef, pork, lamb, veal, ue4l ssalle4lleaAaJ 'JaAaM04 'SJawns game, processed meats and variety meats) by adults? -UOJ awes aS04l to sa!Je!p snsua:::Jnuaw a41 'leaw p!OAe Aa4l aAa!laq SJawns 0 a, 4 ounces -UOJ to %9 Alalew!xoJdde '}.Jod8tJ 8)(eJUI 0 b. 6 ounces pue UJ8Ued NeJ8!O \7' ,'f..epo1 e:Jp8W\7' u! 6u!Je3 U! palUasaJd elep 4:::JJeasaJ 0 c, 8 ounces a4l Ol 6u!pJOJ:::J\f'% l ue4l ssal'e (9 0 d. 16 ounces 'Ieaw e U! papnpu! S! leaw ua4M AlaA!l:::JaHaaJOW sa:::JJnosleaw-ou WOJt UOJ! qJOsqe ue:::J 3. What percentage of total fat do meat, poultry and fish collectively Apoq a4l'aJOWJa4lJn::l 'alqeqJOsqe aJOW contribute to the average daily diet? sawq v-2: S! leaw U! UOJ! a4l 'sa:::JJnos 0 a, Less than 30% Ja4l0 Aq palnq!Jluo:::J S! UOJ! to %08 lnoqe 46n04ll\f '%02: ue4l ssal 'e (v 0 b. 31 % - 50% 'la!p a6eJaAe a4l ollet lelOl 0 c, 51% -70% a4l to % l v Alalew!xoJdde salnq!JluO:::J 0 d. More than 70% - Slnu pue s66a 'sueaq AJp '4S!t 'AJllnod 'leaw - dnoJ9 leaV\l a4l WOJt pOOt 1I\f , ,-- ~ 'la!p Al!ep s,ue:::J!Jaw\f a6eJaAe a4l U! let If J 4. What percentage of iron in the diet is contributed by meat? lelol a4l to %0£ Japun lsn[ salnqpluo:::J leaw 'tlaSl! AS '%09 Ol % L£'q (£ 0 a, 20% I 4 'Aep 0 b. 35% Jad sa:::Juno9'9 Ol dn a6eJaAe a4l s6u!Jq 0 c. 50% leaw to le4l Ol uO!ldwnsuo:::J 4S!t pue AJllnod 6u!pp\f 'Aep 4:::Jea(Sleaw AlapeA' 0 d, 80% pue Sleaw passa:::JoJd 'awe6 'leaA 'qwel '~JOd 'taaq) leaw to sa:::Juno l'v lnoqe lea sue:::J!Jaw\f 'a6eJaAe uo 'sa:::Junov'e (2: I .. 5. What percentage of Americans are true non-meat eaters? 'dnOJ9 peaJS a4llda:::Jxa r ' o a. Less than 1% sdnoJ6 pOOt a4l to Aue ue4l uaijo aJOW pawnsuo:::J S! (sdnoJ6 pOOt a4l to auo I o b, 5% paJap!suo:::JlOU S! 4:::J!4M'P!weJAd a4l to I o c. 10% d!l a4l) slaaMS 'f// SI!O 'sle::l 'l!nJ::l ':::J (l ~ o d. 25% lJodatj a~elul pue UJaued AJela!o \f I ~ Aepo 1 e:::J!Jaw\f U! 6uqe3 '. J. RURAL UVING • SPRING 1994 • Low Food Price Inflation III '94 Mary D. Zehner, Dept of Agricultural Econom- weather also affected production of cattle and The CPI for all food in 1994 is expected to rise ics, MSU hogs. 2 percent to 4 percent above 1993, and food sold in grocery stores, up 1 percent to 3 percent. Food prices have not recorded much inflation The floods last summer had a minimal impact Costs of processing and distributing goods will over the past few years, and 1994 should not be on the CPI for food in 1993. Most of the damage rise modestly and may not totally be passed on much different, according to the U.S. Depart- involved corn and soybeans. However, some to consumers, considering the relative weak- ment of Agriculture. vegetables for processing were lost in Wiscon- ness in consumer demand. sin and Minnesota. Shoppers may find higher The Consumer Price Index (CPI) for food in 1993 prices for canned and frozen peas, green beans The farm value of food will have a price impact will average about 2 percent above 1992. While and sweet corn. Higher prices for these veg- on a few major food categories because of the the 2 percent increase last year was greater etables alone will have negligible effect on the outlook for shorter supplies in 1994. While than the 25-year record low of 1.2 percent in CPI for food. consumer demand will remain lackluster for 1992, it was still a relatively small increase. The most of the food industry, some recovery in the food price increase compared with a 3 percent away-from-home market will likely lead to in- increase in the CPI for all goods and seNices. These increases are small compared with the 1994 Food Prices creased menu prices. increases between five and six percent only Operating costs inched up slowly last year, (yet) In 1994, the general economy is expected to four years ago (1900). prices remained relatively stable. Therefore, continue to expand at a somewhat faster pace Cold, wet weather throughout the first half of margins have been eroding. Any increase in than in 1993. The employment situation will 1993 caused higher farm prices for fresh veg- demand will likely mean some higher prices in improve slightly, signaling only a slight improve- restaurants. Competition will continue to keep etables and meats and also caused retail prices ment in consumer confidence. As a result, to rise. These food categories carry a large price increases moderate among fast food firms. consumer demand will strengthen little from enough weight in the food CPI to be responsible The food away from home component of the current levels. The general inflation rate is ex- for most of its 2 percent rise in 1993. The cold CPI is expected to rise 2 percent to 4 percent pected to remain near 1993 levels. this year. Meats Fruits Cereal & Bakery Beef production is expected to rise 3 percent to 4 percent in 1994, resulting in a 2 percent to 4 Smaller crops of apples, oranges and other Products fruits will lead to higher retail prices for fresh percent decrease in CPI for beef and veal. In fruit in 1994. The 1993 fall apple crop haNest The CPI for cereals and bakery products will rise contrast, pork production will remain near 1993 was down 2 percent from the year earlier at a slightly faster rate than other food categcr levels, and the CPI for pork will increase 2 (Michigan's haNest was down about 7 per- ries in 1994. Demand for cereal and bread percent to 4 percent. cent). Lower total production and good seems to strengthen, even when demand for quality will mean higher retail prices for fresh most other products is lower. Poultry broiler production will continue to grow apples in 1994. In addition, the shelf price of a box of cereal may near the 5 percent rate in 1994. Returns to broiler producers have been favorable and are Orange production was also down in 1993 from not be the actual price. Couponing and double expected to remain so despite the outlook for 1992. Smaller supplies last year will mean higher couponing in some markets can reduce cereal higher feed prices. Turkey production, how- retail prices for orange juice. While the total prices considerably. Most of the costs to prcr ever, was lower last year and is not expected to orange crop was down last year, it was still 23 duce breakfast cereal and bread products are grow significantly in 1994, as producers look for percent larger than the crop two years ago. The for processing and marketing, more than 90 higher prices and improved returns. The CPI for CPI for both fresh and processed fruits is ex- percent in most cases. poultry will likely decline slightly in 1994, con- pected to increase 3 percent to 5 percent from These costs usually change more with the sidering large supplies of broilers, and larger 1993 levels. general inflation rate, leaving the farm ingredi- supplies and lower prices for competing meats. ents relatively a minor consideration. The CPI f?r cereals and bakery products is expected to Dairy P.-o(lucL." rise at a rate of 3 percent to 5 percent in 1994. Vegetahle'~ Milk production in 1994 is expected to increase A smaller U.S. potato crop in 1993 will mean slightly from 1993. While farm prices will likely tighter supplies of potatoes and higher prices in average below 1993 levels, retail prices will F aL-, an(1 Oils 1994, even though Michigan's potato crop was average 1 percent to 3 percent higher. Increased The flood in the Midwest and the drought in the up 9 percent. Lower prices for tomatoes, let- export demand for processed dairy products Sout.heast damaged the soybean crop. Oil prcr tuce and other fresh salad vegetables will par- will keep per capita domestic supplies at or ductlon, however, will be down only about 0.4 tially offset higher potato prices. The CPI for slightly below 1993 levels. Domestic demand percent form 1993. The CPI for fats and oils fresh vegetable is expected to rise 2 percent to for dairy products is expected to remain stable. increased less than half a percent last year, 4 percent in 1994, following a more than 6 Therefore, the expectation of slightly lower and it declined 1.4 percent from the year earlier, percent increase last year. domestic supplies will cause retail prices to also all because of large oil supplies. With smaller rise modestly. supplies in 1994, some increase in fats and oil prices is expected, in the 2 percent to 4 percent range. RURAL UVING • SPRING 1994 . ~. • t , . . ". __ •. 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FOR CAMPING PHONE (219) 583-8306; MOTELS & COTTAGES PHONE (219) 583-4141 Stressed for time to enjoy family and summer fun "There is a lot of awareness about fertilizers, lawns are created equal and one lawn may need let alone have time to provide adequate lawn pesticides, and insecticides right now," Koll said. something another lawn does not. "When you care? Tired of feeling like you're the hands down "Personally, we just don't go out and blanket are getting answers like 'well all lawns need it,' winner for the "ugliest lawn in the neighbor- spray everything with herbicides and pesticides and 'it's something we always do,' I think that's a hood" contest? If so, you're not alone! However, ... I think consumers would be interested in red flag that maybe you should ask some more before you rush out to hire a lawn care service, knowing, especially if they have children and questions," Smith cautioned. make sure you consider some very important tips. what not around their house. " What can you do for your Lawn? According to Dr. Bruce Branham of Michigan According to lawn care representatives, there State University, when selecting a lawn care are no "average" prices for seNices. Prices vary According to Gary Slisser of True Green, the two service, be sure to select a company that will be depending on the seNices requested. Consum- most important things that homeowners can do flexible and do the job the way you want it done. ers should shop for seNice to meet their needs. for their lawn is to make sure it is mowed properly Make sure they also provide some evidence of and that the turf, trees and shrubs receive the "Consumers want somebody that's going to right amount of water. agronomic training. stand behind the work they do. It is very difficult "I caution against selecting a company based to guarantee that you will redo or reapply, be- "Whether they fertilize or not, mowing and wa- solely on price," said Branham. "My experience cause in some cases, that's not appropriate," tering are two of the biggest things homeowners has shown better lawn care companies do not said Smith. "I think if you're looking for a profes- can do on their own," said Slisser. always have the lower price ... the consumer sional and you develop that relationship, that Your lawn generally needs one to two inches of needs to get a feel for quality seNice. " professional is going to stand behind the work water per week, Slisser advises. This moisture is that is done." vital in very hot periods of the summer. "The Tom Smith of Grass Roots, Incorporated in East Lansing explains, there are a lot of other factors When selecting a lawn care company, Smith plant does have a reserve system that it will that should be considered when selecting a lawn reminds consumers to ask questions. Not all use as needed, but if we run into drought situa- care seNice. "There are a lot of differences tions, the reserve is used up before it can be between fertilizer programs and lawn care pro- replenished," he said. "Therefore, the home- grams; you pretty much get what you pay for, " he owner sometimes needs to supplement said. "If you're looking at a less expensive normal rainfall." program, it's likely going to use less expensive In addition, Slisser says, when mowing your materials and it's not going to be structured for lawn, a good rule of thumb is too never cut more your particular lawn. It's important that any than one-third of the grass blade off at one time. fertilizer recommendation is based on a soil test. " In Michigan, it is recommended your lawn be no Chuck Koll of Chuck's Landscape Management, shorter than 2.5 to 3 inches tall. Incorporated in Grand Rapids, suggests consum- Slisser goes on to recommend homeowners let ers inquire about what kinds of products the grass blades fall to the ground, because they company is using and why. Though the average decompose very quickly and do not create a homeowner may not be familiar with the product, thatch build-up as often assumed. However, if this will give them some insight on the philoso- you leave a three inch clipping on the lawn, this phy of the company. will often suffocate the grass. RURAL LIVING • SPRING 1994 I . Gardening This Year? Prepare Your Soil First! The good news about organic material doesn't end Lawn and Garden Care: there, however. In the soil, worms, insects, bac- Use Chemical Pesticides Wisely ~I, All you who are ready to get out there and start planting - back up. Give your soil some attention teria and fungi convert organic material into humus particles - the most important part of soil for plant Spring brings visions of healthy green lawns first. growth. Humus particles, which are negatively and productive gardens. It also brings the need Soil scientists say soil is kind of like us: It works charged, attract and hold positively~harged soil nu- to plan for control of the pests that may threaten best when it's in good physical shape. Howdoyou trients such as calcium, potassium, magnesium your plants. "pump up" your soil? Spade it to a depth of at least and ammonium and release them -as needed -for Chemical pesticides can prove most effective - eight inches, turn it over, break it up and bolster it plant growth. but for health and environmental reasons, they with organic material. Are you ready to run right out and start digging must be used with care. It's good to remember ... Deep spading creates room in the soil for air, wa- ter and future plant roots. Thorough turning and organic material into your garden ?Wait.lfyouwork your soil when it's still wet from melting snow and that you can control many lawn and garden pest problems without chemicals. breaking separates soil particles, exposing them spring rains, it will come back to haunt you. It will become so gummy and compacted, you won't be For instance, promoting thick turf helps reduce to lots of oxygen. This creates the ideal environ- lawn weeds. Handpicking can control such veg- mentfor plant roots and beneficial soil microorgan- able to do a thing with it. etable garden pests as tomato hornworms. And isms, both of which need oxygen to live. How will you know when it's time to work your careful selection of hardy landscape ornamen- Adding organic material, however, is the most soil? Here's a tip: On a sunny day, go to your gar- tals with pest and disease resistance can lessen important part of your soil's workout. The stuff is den site, pick up a handful of soil and squeeze it the need for chemical use. truly amazing. In clay soils (which have tiny, tightly into a ball. Touch the ball with your other hand. If the ball falls apart easily, the ground is ready. If it But some pest problems aren't as easy to packed particles, remember?), organic material doesn't, wait. control without chemicals. Cabbage worms are acts as a buffer, preventing the tiny clay particles one - and they can ruin entire heads of cabbage from cementing together. This increases the In the meantime, go out toa garden center and buy and broccoli. Black spot on roses and apple space between soil particles making for better some organic material. Composted manure and . .,. drainage and aeration and an easier time for plant peat moss are old standbys. When the time is right, maggot on apple trees are also difficult to con- trol without pesticides. roots. (What root wants togrowthrough a cement start digging. Do the initial spacing, turning and wall?) In sandy soils (which have large, loosely breaking. Then apply three odour inches of organic Larry Olsen, pesticide education coordinator at packed particles), organic material "fills the gaps," material to the surface and work it into the soil with MichiganState University, offers these tips for improving the soil's ability to hold moisture and your shovel. safe and sensible pesticide use: nutrients. continued 011 page 21 Identify the pest. Doing so is essential to control. For assistance in identifying weeds, I ~ insects, plant diseases, or other pests, contact SCOVER AMERICA'S #1 your local Cooperative Extension Service. Consider various methods of control: OFF-LAWN" MOWER Send for your FREE CATALOG on the mechanical (such as cultivating or mulching to control weeds in flower and vegetable gardens), biological (using biological pesticides with specific effects), chemical, or some amazing TROY-BIL~ Sickle Bar Mower! combination. Amazingly fast ... clears an Read pesticide labels. Each label tells what f .. acre in just 1 hour! pests the product controls and gives instruc- Blaze nature trails for tions for avoiding harm to non-target organisms • Comfortable, vibration-absorbing walking, hunting, skiing, snow- and water sources. handlebars! mobiling. Buy the least-toxic material that will control • Powered wheels Enhance the beauty of your the pest. Chemicals labeled caution are the just roll over place by clearing ugly weeds, rugged terrain! least toxic and pose the least hazard when used unsightly brush and unwanted saplings. as directed. Those labeled warning are moder- ately toxic. And those with danger on the label Have a safer place, too, with- out fire hazards, driveway blind are highly toxic. spots, poison ivies, oaks or Use recommended safety equipment when WARRAIITY sumacs. mixing, applying, and cleaning up after applica- If you have over an acre of land, the TROY-BILT@SickleBar Mower is the perfect "Off-Lawn" mower to cut r::------------ TROY-BILT Mfg. Co. Dept. A4124 11 02nd St. & 9th Ave., Troy, NY 12180 tion. Store and dispose of pesticides and pesti- 10 YES! Please send me your FREE cide containers according to label directions. grass, weeds, even light brush of any 1 Catalog on how the TROY-BILT- Sickle Bar Keep them in their original containers so that - , height in all types of terrain. Mower can increase the beauty and value 1 of my property. (For a free copy of the proper use and first aid instructions are readily r: 1 7-year warranty write to the address available. Buy only as much as you can use, and For Your FREECatalog, Call 1 above.) 317 mix only as much as you need for one applica- 1-800-776-4200 Dept. 4124 IName tion. For more information on safe pesticide use and or Mail This Coupon TODAY! 1 Address • J storage, contact your county MSU Extension 1 City O"'RIJ~"'LT. An AmaiCtltlll/{t'n(1 CarmK for nlt~ultl(/,- IState Zip Product also available in Canada! office. RURAL LIVING • SPRING 1994 I )' American Cancer Society and Farm Bureau Insurance DON'T TRUST YOUR MEMORY Take a household inventory A golf match. Furniture, electronic equipment, musical instruments, appliances, and more - you've accumulated many valuable items over the years. If your home were ever damaged or burglarized, it would be We're proud to announce that Farm Bureau important for you to remember all those items and their values to help us settle your loss properly. Insurance will be teaming up with the Michigan Division of the American Cancer Society to That's why we've developed our Homeowners Inventory brochure for you. It gives you the sponsor the state's premier amateur golf cham- opportunity to list, room by room, the items you own, their value, and their replacement cost. pionship program. There's something else you can do, too: Take photos of your valuables and keep the prints in a safe The American Cancer Society golf program is deposit box, somewhere else away from your house, or in your deep freeze. Or, if you have a video .' . widely recognized as the outstanding program of its kind, and its national finals tournament camera, use it to make a visual record - and then keep the cassette at another location. The Homeowners Inventory brochure is available to you, free l .. is the largest amateur championship in the of charge, from your Farm Bureau Insurance agent. Or country. Proceeds are used to support the we'll be glad to send you a copy through the mail. Just fight against cancer. check the return form on the back page of Insights Farm Bureau Insurance will sponsor 11 local and return it to us. tournaments and the Michigan state finals in 1994, and over the next four years will spon- sor more than 30 local tournaments along with the statefinals. Here is the schedule of 1994 Farm Bureau Insurance-sponsored tournaments: Saginaw - Men's May 12 _ t Traverse City - Combined June 1 Ann Arbor - Men's June 7 Marquette - Combined June 9 Jackson - Women's June 14 Oakland - Men's June 18 ~~ Kalamazoo - Men's June 21 Eaton - Combined June 28 Home Insurance: Are You Getting All the Midland - Men's August 3 Discounts You Deserve? Muskegon - Combined August 5 & 6 If you are a homeowner, you could qualify for special discounts that will help keep your home insurance costs down. St. Joseph - Combined August 7 For example, Farm Bureau General Insurance Company of Michigan offers discounts if you have State Finals - September 9-11 smoke detectors, fire alarms,and burglar alarms. You also earn discounts if you are a non-smoker Three divisions: men's and women's or age 55 and older. .. You can join us as a competitor by calling your Your agent can also tell you about replacement cost coverage on your home and contents. Farm .l local American Cancer Society office or 1-800- Bureau Insurance specializes in protecting Michigan homes and has developed policies that ACS-2345. provide top quality coverage for Michigan homeowners. FARM BUREAU INSURANCE " Take Time for an Insurance Review Certificate -------V '1 As time goes by, our circumstances change - and so does our need for insurance. Take a look at this checklist. Are you due for an insurance review? Now is a good time to make a careful assessment of your current coverages and needs. • Have you built a garage or a deck? Added a family room or an extra bath? Single Premium, • Have you recently remodeled any parts of your home? Features Certificate of Deposit Single Premium Deferred Annuity • Do you own recreational vehicles - mopeds, motorcycles, A1Vs, campers, and the like? Is the interest tax-deferred? No Yes Have you purchased any new ones? Is the interest excluded from • Have you purchased a cottage, land, or in- calculation in determining . come property? whether/how much Social Security benefits are taxed? No Yes • Have you installed safety and security de- vices that qualify you for homeowners insur- Guaranteed lifetime income of ance discounts? Smoke detectors, fire extin- both principal and interest? No Yes guishers, deadbolt locks, sprinkler systems, and security systems can make a difference Do proceeds avoid probate? No Yes in the cost of your insurance. • Are you age 55 or older? You may be eligible Can interest be reinvested without for a 25 percent discount on your homeowners incurring income tax? No Yes insurance. ... Are proceeds protected from • Do you own any sterling silver, valuable attachment by creditors in antiques, paintings, or other fine art? most states? No Yes • Would your total jewelry and furs be valued at more than $2,500? Does the period of withdrawal penalties end after a certain ~ • Would you suffer a financial loss based on length time? No Yes your current liability limits if a large judgment were rendered against you in a lawsuit? ~ • Are you eligible for a safe driver auto insurance discount? • Are you putting away funds for retirement? YOU CAN PROTECT AGAINST • Are you looking for attractive alternatives to certificates of deposit? If lightning strikes in the vicinity of your home, the voltage to a safe level and dissipates it • Are you taking advantage of the tax benefits your appliances and your entire electrical sys- harmlessly to the ground. available to you through annuity plans? tem are at risk. "The typical residence has thousands of dollars • Do you have enough life insurance to Computers, VCRs, 1Vs, refrigerators, micro- invested in electrical equipment," says electri- cover your mortgage? To continue your waves, stereo systems, air conditioning and cal engineer and consultant Shel Pastor. "By monthly income? To assure your children's heating units - all these and more are subject to equipping your home with this type of device, college education? damage or destruction from the electrical surges you protect yourself and your electrical system a lightning strike can bring. against the danger, damage, and aggravation • Does your spouse have sufficient life insurance? Fortunately, you can protect against lightning that can result from a lightning strike." • Have you made adequate plans for your damage. For a moderate cost-usually less than Pastor points out that a lightning arrestor and estate? the deductible on your homeowners insurance surge suppressor will also lengthen the life policy - you can equip your electrical system of the electrical equipment you depend on - Your Farm Bureau Insurance agent is standing with an effective lightning arrestor and surge everything from large appliances to light by to help you conduct a confidential insurance suppressor. bulbs - whether or not you're the victim of a review - and help you make your future more lightning strike. predictable. Call your agent today. When a lightning surge enters the wiring of a home equipped with a lightning arrestor and That's because electrical systems are subject surge protector, the device immediately clamps to frequent power surges that wear electrical - o FARM BUREAU INSURANCE QfDeposit 5.----- )eferred Annuity j. ~ You buy life insurance to protect your family and Here are other benefits of a Single Premium Deferred Annuity, as well: annuities to protect your retirement. • With an Single Premium Deferred Annuity (SPDAl, you can withdraw up to 10 percent of your But did you know these policies offer tax advan- ~ previous anniversary's cash value, including principal and interest. You can receive this sum in tages, too? In fact, life insurance policies and monthly, quarterly, semi-annual, or annual installments. A CD can provide income of interest only annuities are among the few financial products .. • and is generally paid annually or at the maturity of the CD. left that still earn tax-deferred interest. ~ r. An SPDA has a decreasing seven-year surrender charge, beginning with seven percent of the The Wall Street Journal recently reported that balance over and above a ten percent window so that there are no penalties in years eight and later. "the ability to defer taxes is one of the most " CDs generally allow penalty-free withdrawals for a seven-day period after each maturity date. attractive features" of annuities and cash-value Withdrawals at any other time are generally subject to an interest penalty which usually equals six life insurance. t months' interest. Assuming the CD crediting rate is eight percent, the early withdrawal penalty Your Farm Bureau Insurance agent can tell you remains at four percent, regardless of how long the money has been in the bank CD. more about how life insurance and annuities With an SPDA, your interest accumulates on a tax-deferred basis. The interest you earn in your can make a big difference in your financial •.• SPDA is excluded from the calculation when you determine if your Social Security benefits are to future . ~ be taxed. When you decide to begin receiving the proceeds from your SPDA, you are guaranteed .. t a lifetime income. ( .. Your funds in your Certificate of Deposit are a good foundation on which to build your retirement plans, and an SPDA from FB Annuity is a safe and secure way to maximize the benefits of this ~ foundation. ~.• Does it make sense for you to keep your Certificate of Deposit or place those funds in a Single Premium Deferred Annuity from FB Annuity? ~.. ~ Start a Legacy . You decide ... for Your Children What would be the best gift for your children or grandchildren? If you ask the kids, you might get answers like clothes, toys, or money. How about the gift of life insurance - a gift that will help them throughout their lives. This gift will help pay for their college, finance a new home, or help build a retirement fund. There are several advantages to buying a policy for a young child: • Premiums are lower. • Insuring them now, while they are young and healthy, assures they will have the protec- tion. Later on, because of illness or injury, they might not be able to buy life insurance. - , devices down over time. Surge suppression controls those fluctuations and helps prevent Installation by a licensed electrician is recom- mended. More information on suppression and • It's a gift the child can use for a lifetime. premature appliance failure. arresting technology for home or business is available from Engineered Maintenance Corp., Don't shop around for the perfect gift. It's "By putting suppression and arresting technol- as close as your Farm Bureau Insurance P.O. Box 250363, West Bloomfield, MI, 48325. ogy into your system," Pastor says, "you're agent's office. Telephone: 810-737-9020. going to extend the useful life of your appli- ances. " FARM BUREAU INSURANCE For Smooth Sailing, Renters FREE: Make Sure Your Boat is Covered Insurance Early Indians Before you put your boat in the water this is a Good Idea Booklet for you summer, ask your agent to review your insurance coverage. Michigan has more regis- The Early Indians of Michigan are the topic tered boats than any other state in the nation, If you rent a house or apartment, remember but. unfortunately, not all of them are properly of a popular Farm Bureau Insurance pub- that you face some of the same risks that a insured. lication used each year by teachers, stu- homeowner does. dents, libraries, and civic groups all across Your Farm Bureau Insurance agent can pro- You could lose your possessions to a burglar; the state. tect your boat against physical a fire could destroy everything you own; or damage and liability risks - in The booklet highlights the four primary you could be sued if someone is injured in or out ofthe water. You can tribes of Michigan - the Huron, the Ot- I' _ your home. even ea.rn a discount by /l\ l~., -'- ~ ,--~~ tawa, the Chippewa, and the Potawatomi That's why renters insurance is such a good - with color illustrations depicting the completing an approved "b I 'I l ~ '- idea. You can get a lot of coverage for a Native Americans' appearance. Also in- boating class .. relatively low cost. cluded are descriptions of each tribe's You wouldn't drive a A survey by the Insurance Information Institute history and lifestyle. car without insurance, reports that three out of four renters do not carry You can obtain copies for yourself, your so why take the risk of renters insurance. It's an oversight that could children, or community group free of operating an uninsured cost them dearly. charge by checking the response form boat? Carefree sum- you'll find on the back page of Insights and mer boating starts &g-... returning it to us. with an insurance ~: checkup now. Keep In Touch ... We hope you enjoyed this first issue of Insights. We would like to hear from you. Use this coupon to suggest story topics, request more information, or to order free items. I. READER INTEREST What insurance topics would you like to see covered in upcoming issues? _ II. FINDING OUT MORE IV. YOUR NAME AND ADDRESS Please let us know if you'd like an agent to contact you about: Name _ o Free Insurance Review Address _ o CD Alternatives City State ZIP _ o Homeowners Insurance o Life Insurance County Phone # _ o Other: _ MAil TO: Insights III. FREE Check the free material you would like mailed to you: o Early Indians of Michigan booklet FARM BlJREAlJ 11= Communications Farm Bureau Insurance Dept., o Homeowner's Inventory brochure 'NSlJRANCE PO Box 30400 'AIM IUlIAU MUTuAL • FUM IUIIAU lIFI FUM IUlIAU GlNllAl • " ANNUtrt Lansing, MI 48909-7900 Customized'Trip Routing! t ; it's new, it's free and it's designed especially 'for Farm Bureau MemberLine VISA and Gold .MasterGarcrrtiOiderson the move. Simply tell ~fOYIUS where you're going, ~hether you want to take tbe s~enic route or get there fast ... and we'll do the rest! Within three days you'll Edg receive detail.edmaps to your destination ~ ~ar custom fit'o'~oITr specifications ana travel plans. It's a canvenience ¥ou can use as you o en~8~iU\'€'ffl'anyother benefits and advantages you receive with a ~arm Burea~ MemberLine VI,SAor Gold MasterCard. Better Variabl~lnterest Rates The Gold MasterCard'has a 12.9% APR* - one of.the lowest inferest rates available! The interest rate'Onthe MemberLine VISA is a low 14.4% APR';~ In addition: you pay no interest onJlew~credit card purchases when~outf~II , ~balance' is paid by the due date. r.~' .. • The MeniberLine VISA has no annual fee and the annual fee for the Gold MasterCard is $20, which is rebated every year that you make $3,000 or more in net purchases. Better premiums Both the MemberLine VISA and the Gold MasterCard offer a wide array of complimentary features and optionsfor your protection and peace of mind. And when you carry a Gold MasterCard, you'll enjoy the added advantages of a higher cr~dit line, executive travel privileges, emergency road assistance, pUJchaseprotection insurance and a warranty extensionprogram-- valuable "extras" you and your family can depend on. Convinced? ~ SimplY remove this page from the magazine and fill out the application on the reverse side. Letterfold and staple the form with the mailing address on the outside. No postage necessary! CLASSIC 14.4% Variable A.P.R. and GOLD 12.9% Variable A.P.R ...... effective October 1. 1993 based on September 15. 1993 Prime Rate. II No Postage Necessary 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 AnN: FARM BUREAU MEMBER SERVICES P.O. BOX 2349 KALAMAZOO, MI 49003-9917 I,I,, 11,1, , 1111 , 11,111 , 11.1, 1 .. 1.1"111111 ... 11'11.1 CARD PREFERENCE (choose one design only) I OPTIONAL GROUP CREDIT INSURANCE o Scenic VISA CTl VR 6400 09 Pl1 o~_ o Standard CTl VISA VR 6400 09 Pl2 DGOLD MASTERCARD CTl MP 5600 0100 PL1 Optional Group Credit Insurance To enroll in Chargegard, you must be under age 70 in all states except age 71 in AZ, FL, MI, MO, and OK. In CA, CT, HI, ID, IN. MA, NJ, RI, VT, WA, WI, and WY, maximum enrollment age is through age 64 (age 65 in lA, MN, OR, and TX), and coverage ends at age 65 (age 66 in MN, OR, and TX; age 70 in NY). You, the applicant, are eligible for this coverage if you are employed full-time in a non-seasonal occupation. (Non- seasonal restriction does not apply in AZ, MI, NM, NY, OR, and RI.) Unemployment and disability coverages begin after 30 consecutive days of unemployment or disability, and are retroactive to the first day of loss. All benefits are based on the outstanding balance as of the date of loss and will continue until your balance is paid off, you return to work, or you reach the limits of the master policy, $10,000, whichever occurs first. life benefits are available to the applicant and joint applicant (spouse, if no joint applicant). Benefits are not If I do not qualify for the Gold MasterCard, consider my application for the regular VISA. payable on purchases or advances made while claims are being paid. Unemployment Benefit: If you become involuntarily unemployed, Chargegard will make your scheduled I APPLICANT (please print) minimum monthly payments, subject to the master policy limit. Retirement is not covered. In NY, unemployment benefits are not payable for pregnancy and other medical conditions. (Coverage not available NAME AS YOU WOULD LIKE IT TO APPEAR ON CARD in CT, MA and MN; labor disputes/strikes excluded in AR, IL and NY.) Life Benefit: If you or your joint applicant (spouse, if no joint applicant) die, Chargegard will pay the I I I I I I I I I outstanding account balance as of the date of death, not to exceed your credit limit or $10,000. (Suicide First Name Middle Initial Last Name excluded except in MD and MO.) At age 65 (age 66 in IA), life benefits convert to Accidental Death in HI, IN and VT. (Single Life coverage only in MA.) Social Security # Date of Birth Disability Benelit: If you become disabled, Chargegard will make your scheduled minimum monthly payments as long as you are under a doctor's care and unable to work, up to your credit limit or $10,000, whichever is less. Home Phone ( Chargegard Costs: The monthly premium for Chargegard is 66t per $100 at your average daily balance on Years your account in all states except as follows: 28.9t in MA; 29.3t in MN; 38.8t in NY; 46.9t in NH; 48.1t in CT; Address 56.7c in VT; 64t in NM; 65.8t in AZ; 57.6t in SC; 46.6t in TX; 57.5t in HI; 59t in WI; 60t in CA, lA, ID, IN, There Mos. MO, NJ, OR, RI, WA, and WY. The monthly premium will be charged to your credit card account. Coverage will be obtained by First of America and is underwritten by American Bankers life Assurance City, State Zip Code Company of Florida and American Bankers Insurance Company of Florida, 11222 Quail Roost Drive, Miami, o Mortgage o Rent Monthly Florida 33157-6596. In NY, Lite and Disability coverage is provided by Bankers American Lite Assurance Company. TX Certificate numbers AD9139CQ-0791, AC3181-CB 3.50 & 3.53 R.A. and B2754EQ-1089. o Own (Free and Clear) o Other (Describe) Payment S DYes, I want First 01 America's Chargegard Insurance.,' have read and understand the important eligibility and Previous Address cost disclosure information provided. Consumer credit insurance is not required to obtain credit and will not (if less than 2 years at present address) be provided unless you sign and agree to pay the additional cost. Whether credit insurance is obtained is not a factor in the approval of this application for credit. Employer Years or DBA There Mos. Business Applicant's Signature (Your signature constitutes acceptance of this coverage.) Birth Date Position Phone ( Previous Employer Years I CO-APPLICANT (please print) There NAME AS YOU WOULD LIKE IT TO APPEAR ON CARD Annual Other Salary S Income S' I I I I I I I I I Source 01 Other Income' First Name Middle Initial Last Name (Alimony, child support, or separate maintenance payments need not be revealed if you do not Social Security # Date of Birth wish to have it as a basis for repaying this obligation.) Years Do You Have: Employer There Mos. o Che~kjng ( Bank) Business o Savmgs _ Name_ Position Phone ( ) Nearest Relative Phone .. Previous Years (not living with you) Employer There Annual Other Address Salary S Income $' I/we hereby certify thaI each of the answers on this application is true and correct, and is Source of Other Income' made for the purpose of obtaining a loan or credit from the First of America Bank-Central (Bank). (Alimony, child support, or separate maintenance I/we hereby authorize the Bank to investigate my/our credit record to the extent it deems payments need not be revealed if you do not necessary and to verify my/our credit,employment and income references. J/we further authorize wish to have it as a basis tor repaying this obligation.) and instruct any person or consumer reporting agency to furnish the Bank any information that it ., may have or obtain in response to such credit inquiries. I/we further agree that this application shall become property of the Bank, whether or not it is approved. Complete the following information if different from applicant I/we agree that if this application is accepted and a card or cards are issued that any use of Home Phone ( ) the card(s) will be governed by the terms and conditions of the Bank's VISA/MasterCard Agreement and Disclosure provided before or with delivery of the card(s). I/we assume, if more Years than one jointly and severally, liability for all charges incurred in any use of the card(s). Address There City, Zip X State Applicant's Signature Date Code o Mortgage o Rent Monthly X o Own (Free and Clear) o Other (Describe) Payment $ Co-Applicant's Signature Date Do You Have: o Che~king ( Bank ) o Savings Name There are costs associated with the use of this account. For a complete listing of these costs you may call us at: 1 800423-3883 or write us at Po. Box 2349 Kalamazoo MI49003 Vuriuhle Annuul Hulunce Annual Ft~e Grace Period for Other Fees Pt~rt:enluge Cult:ululion None for scenl'c or Hepu)'menl of lhe Hule '1el IlOtI " standard VISA I~~uI"ance lOr Cash Advance Fee - none New Purchust~s Transaction Fee - none Classic = Prime + 8.4% Two cycle Late Fee - $0-$12 Gold= Prime + 6.9% Average Daily Balance $20 for Gold MasterCard 25 Days. Over Limit Fee - $0-$10 Based on (excluding new (rebated every year net starting with the billing Dishonored checks - $0-$15 Wall Street Journal Prime purchases) annual purchases date on statement Minimum Finance exceed $3.000) Charge - none Please letterfold and staple this form with the mailing address on the outside (reverse side) . ~. .. ....... . ; ',"A,F~y.v ~MALL~ASON"S .r ~ " ., - .' -, .... lr.. II. ,. - •• . it< -1 - .-.. \. " .. ". ' .. .. ..: . -: .::.",'; ~-. ~" For.over'forty years: Farm Bur~au_and Blue Cross Blue Shield. __ ' -I .. ~ ,have teamed up to provide quality'bea,lth -~are ?t .competjtive group rates ~ J .... -' " r, (. with the personalized service you would eXRectfrom a Farm Bureau"family membership. • f. ' .. ~ ~ ,-" __ ' "'. ' . ) ., No matter what your needs: .... ' ~ . " ,. ~. , small business~ sole proprietor, or' individual coverage for you or your faniiiy - .. we have the right plan at the right price. I' ..j 1 • , •- . ~ ~ Blue C;oss Blue Shield quality and Farm Bureaurs personalized serviGe _ . /' provid~ an unbeatable combination that you canit afford to be without when.protecting the "small" thing's'i~.life that are of big importance to'you: ' .. -:; . For information, call 1-800-292-2680 or contact your local Farm Bureau agent. _., ItIICHIGAN ~ •• ., FARItI BIJREAIJ AURAL LIVING ~ S' rin 1994 • Michigan Produced Milk • Michigan dairy farmers will soon be send- According to Morris, Rival Manufacturing sells be pasteurized. Even though our product was ing a portion of their milk production to China, ice cream machines, and will be selling the pasteurized, the water that's added is not, there- Japan and other Pacific Rim countries in the ShurBlend product with their machines. One fore, the end-product was not pasteurized," he form of ice cream, thanks to the development obstacle to selling the product through com- explained. and marketing of Michigan Milk Producers mercial institutions was removed during Association's dried ice cream product MMPA's annual meeting, when Gov. John According to MFB Legislative Counsel Ron ShurBlend. The product is manufactured and Engler signed legislation allowing the sale of a Nelson, the new legislation allows that if the packaged atthe MMPA's Ovid processing plant. properly pasteurized ice cream powder. water were otherwise suitable for public con- sumption, then the product would be legal. "We have made our first shipment to the for- A minor technicality was discovered after MMPA "Milk is a highly regulated commodity," Nelson eign market and plan to pursue other outlets for had spent three years developing ShurBlend, said. "However, this legislation could indirectly the product," said MMPA General Manager according to Wosje. "We were notified by the benefit other commodities that are dried and/or Walt Wosje. "We hope to sell somewhere in Michigan Department of Agriculture that tech- powdered and reconstituted with water in the the neighborhood of 3 million pounds in 1994, nically, this product didn't meet the definition of future. " for the most part, in international markets." ice cream, because every single particle has to • To produce 3 million pounds of the ice cream powder will require 32 to 33 million pounds of milk, according to Wosje. Exported ShurBlend will be packaged and shipped in 50 pound bags. Product for the domestic consumer market will be packaged and sold in one pound bags under the White Mountain label. According to Wosje, convenience, ease of trans- porting a powder versus liquid, and a long shelf life are key to the future of ShurBlend in interna- tional markets. "China, for example, doesn't have access to ready refrigeration or the infra- structure to handle frozen products as well as we do, so this product seemed to fit their needs. It's a dry product kept in a bag, it has a shelf life of eight to 10 months," he said. In 1993, MMPA also entered into a partnership with TEACO International, of Novi, Mich. The company is responsible for marketing ShurBlend and, according to Ed Morris, executive director for the company, has already landed several contracts with China, Malaysia, Indonesia, Tai- wan and Singapore. "We just felt that the Pacific Rim countries are strong growing economies that can pay us in U.S. dollars," said Morris. "We've also got a number of local McDonalds that we think we can make some progress with since they've indicated an interest to market it. You'll also see the product in K-mart, Walmart, and Meijer stores through a relationship with Rival Manu- facturing. " RURAL LIVING • SPRING 1994 • ~J '.i. Environmental -I I Prompting Changes in Michigan Farming Practices A national poll conducted by the Gallup Organi- • Thirty-nine percent of U.S. farmers believe getting worse," said Dr. Max Larsen, executive zation reveals that farmers in Michigan and they should have primary responsibility for fix- vice president with the Gallup Organization. other midwestern states see water quality as ing environmental problems associated with "Four of five farmers believe current safeguards the top farm-related environmental problem agriculture. This is almost three times the per- are sufficient to protect people and the environ- and" safer" pesticides as part of the solution. centage of farmers placing responsibility with ment, but almost as many think the public government and almost five times the percent- doesn't understand these safeguards." According to the results of the 1993 Sandoz r age placing responsibility with agrichemical Overwhelmingly, farmers believe the key to National Agricultural Poll, three out of five farm- manufacturers. ers say they are more concerned about farm- reducing public concerns about farm-related related environmental problems today than five • While most U.S. farmers think they are environmental issues is education. Most feel years ago. viewed as responsible stewards by their urban they share responsibility for that education with neighbors, 43 percent think their image has government, teachers, manufacturers and oth- "It's clear that farmers everywhere share the slipped. In the Midwest, only 39 percent say the ers. More than one-third of U.S. farmers say public's concern for the environment," said image of the farmer has gotten worse. In fact, they have personally participated in efforts to Dale Miller, CEO of Sandoz Agro, the agricul- 28 percent believe their image is improving educate the non-farm public. tural company that commissioned the study. due to positive media coverage and better "This is especially true in the midwestern states The 1993 Sandoz National Agricultural Poll was informed consumers. like Michigan, where the three major concerns fielded following the presidential election and of farmers are water quality, soil contamination "The majority of farmers believe consumers included a cross-section of grain, cotton and are more concerned about environmental is- vegetable growers. The study has a margin of .. and soil erosion." , . Miller also said the poll indicates U.S. farmers are embracing positive changes in their farming practices. sues because they are more aware of environ- mental issues, not because the problems are error of plus or minus 2.8 percent. Among the findings: • The majority of U.S. farmers say they already have made some changes in their farm- ing practices as a result of public opinion about the environment, mostly in the areas of pesti- cide use and conseNation tillage. Midwestern , ~, farmers are slightly more likely to be practicing conseNation tillage. Midwestern farmers are slightly more likely to be practicing conseNation tillage because of public opinion than farmers in other parts of the country. Ninety-two percent of U.S. farmers say they are very or somewhat likely to use safer pesticides in the future. According to the poll, Midwest farmers are even more likely to use safer pesticides in the future than other farmers nationwide. Other findings of the study: Marshall area farmer Doug Myers (right), pictured with his father Grant, exemplifies the findings of the poll. Last year, in his search for "greener" Sixty-six percent of U.S. farmers favor alternatives, he agreed to participate in government sanctioned tests of an tougher enforcement of penalties for misappli- experimental herbicide on part of his 2, I DO-acre cash crop farm operation. cation of pesticides. Forty-one percent favor mandatory education and certification for those "Farmers work and live in the environment and are concerned with protecting who apply pesticides. However, less than half everyone '.'I health, " Myers said. "Since I live aml farm in the Great Lakes area, of all farmers say that pesticides are knowingly waler quality is a major concern as waler is linked to everything we do. " misapplied. RURAL LIVING • SPRING 1994 To, Young Farmers Receive Titles and Prizes Three young farmers were honored during the 150-cow dairy herd and all of the replacements, MFB 74th annual meeting for earning top spots and the forage program. in competition for state titles and prizes. Horning also received $1,000 worth of Great Robert Lynn Mayer of Bronson, Branch County, Lakes Hybrids products, a Carhartt jacket, plus was selected as "Outstanding Young Agricul- $500 cash from Dodge and 80 hours use of a tural Leader" and presented with $1,000 in Case-IH Maxxum tractor. His state title also Great Lake Hybrids products, a Carhartt jacket qualified him to represent the Michigan Farm from Blue Cross/Blue Shield of Michigan, and Bureau in national competition at the American an expense-paid trip to Ft. Lauderdale, Fla, for the annual meeting of the American Farm Bu- reau Federation in early January. CJ Farm Bureau Federation annual meeting in Ft. Lauderdale, Fla., in January. Horning is active in the Washtenaw County Mayer is vice president and part owner of Lynn Farm Bureau and was also a participant in Mayer's Great Lakes Glads, Inc., a family-owned Michigan Farm Bureau's ProFILE, an intensive and operated agribusiness specializing in the leadership program. He and his wife, Lynda, production and marketing of gladioli and other also a graduate of Michigan State University, cut-flowers throughout North America. The have one daughter, Katelyn, 16 months old. operation, which includes 1,000 acres in Bronson and 500 acres in Mexico, is the largest producer Runner-up in the Distinguished Young Farmer ... of gladioli in the world. The family also custom contest was Tom Barends, of Fremont, farms 1,000 acres of soybeans, navy beans, Newaygo County. Barends and his wife, hay, seed corn and field corn. Jacqueline, are owners-operators of an 80-acre farm specializing in registered cattle, alfalfa Mayer attended Hope College majoring in politi- and corn . ., cal science and business. He is active in the Branch County Farm Bureau and in local organi- An Upper Peninsula young farmer, Jim Van zations, including the Branch County Commu- Damme, of Rock, representing the Hiawathaland nity Foundation, a non-profit organization cre- Farm Bureau, talked his way to take top spot in , ated in 1991 to address the long-term needs of the Discussion Meet. the community. He received $500 in cash from Dodge Truck, '"1 - Runner-up in the Outstanding Young Agricul- $1,000 in products from Great Lakes Hybrids, tural Leader contest was Tamara Craig-Walton a Carhartt jacket from Blue Cross/Blue Shield of Sturgis in St. Joseph County. Walton, who of Michigan, and a trip to the American holds a degree in agricultural communications Farm Bureau Federation annual meeting and advertising from the University of Illinois, in Florida. and her husband, Larry, operate a 600-acre farm " specializing in livestock and cash crops. She is Van Damme competed against representa- also a sales representative for the Monsanto tives from other state Farm Bureaus in national agricultural chemical company. discussion meet competition at that meeting in early January and placed as a national Winner of the "Distinguished Young Farmer" runner-up. title was Jeffrey Earl Horning of Manchester in Washtenaw County. Horning is the fifth genera- Van Damme served as the Upper Peninsula tion on the Horning Farms dairy operation, a representative on the Michigan Farm Bureau centennial farm. Policy Development Committee, which pre- sented the slate of proposed policies to the After graduation from Michigan State Univer- voting delegates at the organization's annual sity in 1989, he became a partner with his meeting held at the Westin. father. He is responsible for management of the Jeffrey Earl Horning, his wife Lynda and their daughter Katelyn Manchester. Washtenaw County RURAL LIVING • SPRING 1994 continued from page 9 How Do I Plan a Vegetable Garden? Afraid your new vegetable garden will turn into a scene from" Attack of the Killer Tomatoes?" Or maybe "Dawn of the Dead?" Avoid the horror of ,. both of these scenarios through careful "scripting. " First. figure out how much gardening space you have. Measure the long side of your gardening area (in feet) and divide by 1-1/2 or 2. That's how many rows will comfortably fit on your plot. (Call this Number A.) Next. measure the short side of your gardening area. That's how long your rows will be. (Call this NumberB.) Multiply A times Btogetyourtotal row Whether you're looking for a small, rustic cabin or a large Call or wr~e today. footage. spacious home, an HONEST ABE LOG HOME is for you. 0 Send me your FREE full-color brochure explaining Our log homes are special, one of a kind, homes. Let us your log homes. The next step is figuring out quantity, spacing and help you create your own special home. Our company has 0 Enclosed is $10.00 for your color catalog, which in- layout. With common vegetables like beans, car- many years of experience and hundreds of homes as a tas- eludes 40 standard floor plans. rots, cucumbers, green onions, peppers, radishes, timony to this facl 0 Please send Dealer Information spinach, tomatoes and zucchini, you should plan • Free design services Jet you create your dream home. r N~~- ----- ------ ----- -- ---- - -- -- -- ----: on five feet of row for each person you plan on • Construction service to make ~ easy for you and assure : Address : feeding. (To guard against overplanting, have your you the highest qual~ job. : City State : • Large, massive logs accurately pre-cut and numbered : Zip Phone : family sign up for the vegetables they honestly at our plant to provide the highest qual~ materials. L - - __ - - - - - - - - - - - :.J want to eat this summer!) ~ {;\~:... Please clip and mail to: 3855 Clay County Hwy. Match what your family asks for to your available ~~u~.~._ Depl TSR space. For example, if three people plan to eat to- Ifta I Moss, Tennessee 38575 a=. Dealerships Available. 1-800-231-3695 matoes, plan 15 feet worth of tomatoes. How many seeds or seedlings are required for each five-foot segment? It depends on the veg- etable. Fruiting crops (tomatoes, peppers, beans) need space and light to develop a lush leaf canopy be- fore fruiting - leaves provide the stored energy .. necessary for making fruit. Root and leafy crops (carrots, radishes, spinach) don't need as much space. But never crowd them Revolutionary 2-in-1 -crowded plants compete with each otherforlight, water and nutrients, becoming weak, spindly and more vulnerable to disease in the process. TRIMMER/MOWER! SO MUCH EASIER to use than hand-held trimmers OR small- Butthat doesn't quite answerthe question. 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That's how many seeds or seedlings should tiring your anns and shoulders. It makes weed wacking 'duck soup'J" - Tom lAwrence, Somerville. NJ , occupy the five-foot segment needed to feed one person. (Remember, not every seed you plant So, WHY HASSLE with hand- will germinate. Don't be afraid to overseed and held trimmers or small-wheels then thin your seedlings.) mowers? Please mail coupon 1Du below TODAY for FREE DETAILS FItt6. • The last step is plotting your rows on graph paper. When doing this, make sure you put taller plants on the north side of the plot so they won't shade ____________ ~~_~1~~_~~~~ ~~f~ the low-growing vegetables. (When it comes to : YES! Please rush complete FREE Name I I shadows, gardens are like horror movies - shad- I DETAILS of the Revolutionary ~ I • owskill!) I DR~ TRIMMERIMOWER including Address 5' Follow this gardening "script" and your first gar- I prices and specifications of Manual d EI . S' dId C' lty S tate Z' lp ~ - dening experience will be a love story, not a hor- I~ L ectnc:, tartl.ng Mo e ~ an To: COUNTRY HOME PRODUCTS., Dcpt. 10447 ~ ~ ror story. I Off-Season Savmgs now 10 effect. Ferry Road. Box.89. Charlotte, VT 05445 I RURAL LIVING • SPRING 1994 COLLEGE OF .==~-~ AGRICULTURE AND NATURAL RESOURCES SPONSORS ••• ~ RURAL LIVING • SPRING 1994 ~RRIED FACES The College of Agriculture and Natural Resources Student OF OUR Senate has annually sponsored Small Animals Day, an agri- cultural literacy-educational event for the community, for the INSUREDS. ~ last 38 years. The event, held at the MSU Livestock Teaching Worry? Not them. and Research Facilities in April, attracts over 6,000 adults and And why should )'ou when you c.m protect your life s.1\'ingswith a children. They have the opportunity to learn about animal Long Term Care Plan from AMEX Life Assurance Company? agriculture while directly interacting with the animals by Regrettably, two in five older adults will require nursing home care.' milking a cow, petting beef cattle, holding baby chickens and With costs averaging about S30,000 per yearl it's easy to see just how devastating this can be. piglets, and petting horses. I;' Bul it doesn'l have 10 be Ihis 'way. "Small Animals Day is one of many traditional activities at With AMEX Life you can plan on peace of mind. AMEX Life, an 10. , MSU, families attend annually to see the baby animals," said Americ.m Express company, has over 16 yem experience in long-term Susan DeRosa, assistant director of academic and student care insurance and is rated A + (Superior) by A.M. Best.' affairs in the College of Agriculture and Natural Resources. 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 "Small Animals Day is a way to open the doors to the ,. community so they can see what we do here at MSU." options available to you. RtprtStnlmg: According to DeRosa, in addition to interacting with the AMEX UftAssurJlIuCom{>oJny _ animals, visitors are able to explore the farm grounds during ..... a directed tour provided by student volunteers. Educational 1. Con"",""', ( .. lIdrlo lont:.TC'nrl Cnt' Ift'Wolr.lTlr.It'.IIlA..\ l~t9 booths are also set up, providing information about how the 2.. us S-\6.: WoriJ Rq:ut. A~. I}.I~ 1 IndrrmJml ,IIUt,'\(\ ok riw iawrlTlr.t' tndu"'rr .. -t.o baw then JUt, __ Of! haant.-ul ~ ..nJ animals are raised, what types of feed they eat and how the (lr~U~ prrlomun.:lI'. animal provides food and other products for the consumer. TO RECEIVE AIlllmONAllNfORMAllON OR CAll A1'C A llIlOQiUREJAPl'UCAllON DIRECT \-llO(}.292.2680 • PLEASE EXT- 27(2. FLl 0l1T THE COUPON BELOW These booths are an excellent example of how agriculture ...... Print N. provides for the needs of today's society. In organizing these booths, students use agricultural commodity groups such as Plusemail to: Michigan Farm Bureau the American Dairy Council, Michigan Pork Producers and Membership Services P.O. 80. 30960 UlNing. MI 48909 the American Sheep Producers as a resource to provide \, ... educational materials for adults and children. These materi- RlVG r----------------, Good Now You Can Save Up To 500/0 Newsl als consist of educational coloring books for the children, and recipes and facts of animal agriculture. On Some Of The Most Popular Fifteen area elementary schools have an opportunity to participate in special guided tours on the Friday prior to the ~ Prescription Drugs main event. Over 900 Lansing area third and fourth grade students have the opportunity to explore the farms and riI Medical Supplies interact with the animals as did visitors on Saturday. How- ever, other activities are also organized at each farm that ~ Name Brand Vitamins allow students to learn how much water a cow drinks in a day, to where the eggs and bacon they had for breakfast came from. ilf Over 5000 Medications Jason Griffith, Small Animals Day Student Coordinator, Along With Their Generic Equivalents! explained, "Nearly 200 student volunteers from the College .. of Agriculture and Natural Resources and other university- wide organizations work together to educate the commu- To Get Your FREEDiscount nity about animal agriculture." According to Griffith, members of the Small Animals Day Pharmacy Catalog Call Toll-Free Committee begin planning this event several months ahead, spending a great deal of time recruiting the nearly 200 volunteers needed to help on the farm, act as tour guides, 1-800-228-3353 work concessions and traffic control. ~H EAR T LAN D FEl{f£ORUG For more information, contact Susan DeRosa, at (517) 355- ~ PRESCRIPTION SERVICE & MEDICAL SUPPLIES 0234 or 121 Agriculture Hall, M.S.U., E. Lansing, MI 48823. 5023 Grover Street -:. Omaha. NE 68106 .J L ---------------- HEARTLANOIFElO IS A MEMBER BENEFIT FOR FARM BUREAU MEMBERS Move ahead in a new career ..• eare a growing company and we're JOIN THESE W looking for ambitious, friendly, hard- working men and women to help us serve 'i the people of Michigan. WINNERSAS You'll be associated with the finest agency force in Michigan ... professionals like the four pictured 4 ANAGENT here, who received major awards at our recent 1994 annual sales convention. These four, and our 425 other agents in Michigan, FOR FARM are a big reason why Farm Bureau Insurance is a leading insurer throughout the state. -v BUREAU To find out if you qualify for our winning team - and the prestige, unlimited earning potential, and trusted reputation that come with it - contact your INSURANCE local Farm Bureau Insurance agency manager or call 517-323-7000, ext. 2355. RUSGARDNER TOM CARTER, ChFC, GAYLE FORNER, ChFC, PHILIP KOLEHMAINEN 1993 Distinguished Sales CLU, CIC CLU, CIC, LIC, LUTCF 1993 Michigan Farm Award 1993 Distinguished 1993 Elton R. Smith Bureau Membership '" . A former high school Management Award Award Award coach, Oakland County For the fourth time, Tom Gayle Forner, an agent in A company leader in many agent Rus Gardner continues Carter has been named our Oceana County for 27 years, sales categories in 1993, to break company records top agency manager in earned this honor for his Ontonagon agent Phil 1 .~ with his outstanding sales Michigan. Tom, who manages dedication to his profession, Kolehmainen also led the and service. For the seventh 26 agents in Saginaw, Bay, his community, and Michigan state in new Michigan Farm 1" year in a row, he has earned and Arenac Counties, is an Farm Bureau. Gayle, one of Bureau memberships. As our the Distinguished Sales outstanding recruiter, trainer, the company's most honored top membership producer, Award, recognizing him as and motivator. His agency is a agents, is a highly-respected Phil signed up 361 new mem- our top agent in the state. statewide leader in sales and leader in Farm Bureau and bers last year. He also broke service. his community. two company sales records. Making your future more predictable .-.@ ... FARM BUREAU MUTUAL FARM BVREAV INSVRANCE • FARM BUREAU LIFE • FARM BUREAU G£NERAl • FB ANNUITY f ,- Michigan Farm Bureau Rural Living Magazine P.O. Box 30960 7373 W. Saginaw Hwy. Lansing, MI 48909