September Agriculture & Livestock Journal

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Volume 63, Number 9 September 2011 Dick Wittman Highlighting Nevada Farm Bureau Annual Meeting... N evada Farm Bureau and the Annual Meeting planning committee have been hard at work and the final preparations are underway for the November meeting. The 2011 Nevada Farm Bureau Annual Meeting will be held in Fallon at the convention center November 17-19. R.L. “Dick” Wittman will be kicking off the meeting on Thursday November 17, 2011 and will have workshops on Friday, November 18, 2011. Dick Wittman manages a large-scale dryland crop, range cattle and timber operation in Northern Idaho in partnership with three other family partners. In addition to managing a farming/ranching operation, Wittman also provides consulting services. He provides seminars and workshops to agricultural lenders, agri-businesses and farmers/ranchers. In 2004, Wittman released a guidebook entitled, “Building Effective Farm Management Systems.” The guidebook provides a toolkit for commercial- size family farm businesses to define their ultimate vision and put in place a professional management and transition process that will lead them to that goal. In February several members of Nevada Farm Bureau’s Young Farmers & Ranchers attended a seminar by Wittman at the National Leadership Conference in Orlando, Florida. There testimonials and experiences during his presentation is one of the reasons he was asked to speak at the Nevada Farm Bureau Annual Meeting. Lee Mathews of Dry Valley attended the Wittman presentation in Orlando. Afterwords he said, “The Dick Wittman workshops were life changing for me.” Matthews, who is one of ten children in the Mathews family, said the Wittman workshop on Managing Business Relationships & Transitions in Multi-Family Farm Operations was extremely beneficial and current to his situation. Pete Olsen III, a dairy farmer from Fallon, NV, who also attended the Leadership Conference in February said, “He gave me some great insight on some of the pitfalls that can happen when multiple generations are involved in running a business. He used some team/ group activities to spark conversation. Most of his teachings have come from real world experience so it’s an opportunity to learn from someone who knows what happens in reality not just theory.” During the Nevada Farm Bureau Annual Meeting, Wittman will hold two workshops, “Managing Business Relationships & Transitions in Multi-Family Farm Operations.” Agriculture & Livestock Journal The Official Publication of the Nevada Farm Bureau Federation Continued on Pg. 2 Dick Wittman

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The September Issue of Nevada Farm Bureaus Agriculture & Livestock Journal. Featuring Part II of our Agriculture Literacy Internship series.

Transcript of September Agriculture & Livestock Journal

Page 1: September Agriculture & Livestock Journal

Volume63,Number9September2011

Dick Wittman Highlighting Nevada Farm Bureau Annual Meeting...

Nevada Farm Bureau and the Annual

Meeting planning committee have been hard at work and the final preparations are underway for the November meeting.

The 2011 Nevada Farm Bureau Annual Meeting will be held in Fallon at the convention center November 17-19.

R.L. “Dick” Wittman will be kicking off the meeting on Thursday November 17, 2011 and will have workshops on Friday, November 18, 2011.

Dick Wittman manages a large-scale dryland crop, range cattle and timber operation in Northern Idaho in partnership with three other family partners. In addition to managing a farming/ranching operation, Wittman also provides consulting services. He provides seminars and workshops to agricultural lenders, agri-businesses and farmers/ranchers.

In 2004, Wittman released a guidebook entitled, “Building Effective Farm Management Systems.” The guidebook provides a toolkit for commercial-size family farm businesses to define their ultimate vision and put in place a professional management and

transition process that will lead them to that goal.In February several members of Nevada Farm Bureau’s Young Farmers & Ranchers attended a seminar by Wittman at the National Leadership Conference in Orlando, Florida.

There testimonials and experiences during his presentation is one of the reasons he was asked to speak at the Nevada Farm Bureau Annual Meeting.

Lee Mathews of Dry Valley attended the Wittman presentation in Orlando. Afterwords he said, “The Dick Wittman workshops were life changing for me.” Matthews, who is one of ten children in the Mathews family, said the Wittman workshop on Managing Business Relationships & Transitions in Multi-Family Farm Operations was extremely beneficial and current to his situation.

Pete Olsen III, a dairy farmer from Fallon, NV, who also attended the Leadership Conference in February said, “He gave me some great insight on some of the pitfalls that can happen when multiple generations are involved in running a business. He used some team/group activities to spark conversation. Most of his teachings have come from real world experience so it’s an opportunity to learn from someone who knows what happens in reality not just theory.”

During the Nevada Farm Bureau Annual Meeting, Wittman will hold two workshops, “Managing Business Relationships & Transitions in Multi-Family Farm Operations.”

Agriculture & Livestock Journal

The Official Publication of the Nevada Farm Bureau Federation

Continued on Pg. 2

Dick Wittman

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September 2011 | Page 2 | www.nvfb.org

(ISSN 0899-8434) (USPS 377-280)2165 Green Vista Dr. Suite 205

Sparks, NV 89431Phone: (775) 674-4000

Fax: (775) 674-4004Publisher:

Nevada Farm Bureau Federation

Editor:Zach Allen

The Nevada Farm Bureau Agriculture & Livestock Journal is published monthly by the Nevada Farm Bureau Federation. Subscriptions are available to Nevada Farm Bureau members, only, at an annual subscription price of $1, which is included in yearly dues. Periodical postage is paid at Reno, NV and additional mailing offices. POSTMASTER: Please send address changes to Nevada Farm Bureau Agriculture & Livestock Journal, 2165 Green Vista Drive, Suite 205, Sparks, NV 89431.

The workshops presented in combinations of formal lecture plus case study work sessions tackles a number of sensitive issues that relate to managing family businesses. It is presented from the viewpoint of a working family farm manager who has also provided family farm businesses transition consulting for 25 years.

The seminar re-vitalizes teamwork, communication, creates a positive work environment, and it helps assure family farm survival and effective transition from generation to generation.

Wittman said, “The main message to the older generation is that you don’t have to do this all by yourself, understanding the right ways to engage the next generation in some discussions about goals and options. You [older generation] can still control the process, but you can do it better by understanding how to bring in the other successors, whether they’ll be on the farm or off the farm, into a discussion about issues before decisions are made.”

Communication between the generations is a common theme during his seminar. Wittman said, “Communication about goals, vision, what the values

are to the people who built the business, whether or not there is a shared vision of folks coming into the business is absolutely critical. This is at the root of the survival of the business in the long-term.”

The seminar outline includes: Defining Mission, Vision and Core Values, Planning, Organization and Division of Responsibility, Company Policies & Standard Operating Procedures, and Communication, Coordination and Control.

The goal of the seminar is to change behavior by convincing participants that: (1) their problems are not unique...nor are the solutions, and (2) implementation of a professional management system is doable and must be given equal priority to energy devoted to production, marketing and financial management.

As mentioned earlier, the Nevada Farm Bureau Annual Meeting will be held at the Fallon Convention Center, November 17-19, 2011.

For the most up-to-date information about the annual meeting visit www.nvfb.org.

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YF&RRePoRt

Back to School….LunchThe Farm Bill at WorkBy: Jamie Perkins, Chair

Before you tune out at the words “Farm Bill,” give me just one second to explain--think nutrition, breakfast and lunch, think food stamps and WIC and don’t just think of those that seem to mooch off of the system, but those that really need it--the 1 in 4 children that the USDA reports come from households without enough food to meet their needs.

Bet you didn’t know that those things all come from the Farm Bill.

Most people think Farm Bill, and well, actually after that, I think they just tune out, unless you are a farmer or rancher dependent on the trade agreements, income support provisions and assistance that come from the bill. But, the Farm Bill really affects us all. In fact, only 25% of its allotted funding goes to farming and commodities--the vast majority, 75%, goes to food and nutrition programs.

How does it work? Well, every few years the Farm Bill, which is a set of longstanding laws, is once again dissected, re-evaluated, and slowly put back together by our law-makers and the interested parties fighting for their say in the bill, adding new laws and amendments or changing the old ones. One thing that does not change is the school lunch and other child nutrition programs--they are established permanently.

I personally hated school lunch, but with seven kids in our family, we were bound to qualify each year for free or reduced lunch. So, I ate the few things I liked, traded and gave away the rest, or left it on the tray, destined for the disposal. What a waste. It definitely makes me wonder how much of my kids’ school lunch goes down their hatch, or down the drain. Of course, their lunch looks way more appetizing than what I was served at their age--not to mention, they get breakfast! What is that about? I had to research a lot to understand. In 2008, more than 8.5 million kids participated in a free or reduced breakfast program. This is a federal program that gives states money, and then the states and school districts implement the program in a way that works best for them. According to the USDA, studies have shown that this creates a stronger learning environment and better

participation throughout the day from students. It also reduces tardiness and disciplinary referrals. I must admit, I have a hard time with the breakfast program when I have seen the pop tarts, muffins, and other heavily sugar-laden items that appear on the breakfast menu in my children’s school. But, my kids, as much as they might argue it, have never gone hungry, either, so I have to remember how helpful this must be for those who have.

In 2008, 60% of students eating school lunch in America were doing so on the free or reduced program, with the number being 80% for those using the breakfast program. In recent years, worries over those children who qualify for these programs during the school year, but continue to go without during the summer, have brought about more nutrition programs, like the Summer Food Service Program, providing free lunch at certain public schools. But, I’ve already gone on too long, so look it all up if you want to know more!

With the economy down, the hungry are increasing, but the amount of financial support for child nutrition programs are not safe. There has been a lot of talk lately about the implementation in several states of drug-testing for those receiving welfare and food stamps. Hopefully, this will limit abuse of the system and make it more readily available for those truly in need of it. It will be interesting to see what the 2012 Farm Bill will bring, also.

As usual, the job of fighting American Hunger, whether by growing and producing, or through the Farm Bill, always comes back to American Agriculture.

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Agriculture Literacy InternshipPart IIBy: Zach Allen

The Agriculture Literacy Internship is a unique program taking place in Washoe County. This is the second in a series of articles to provide you information about the Agriculture Literacy Internship.

Part II of the Agriculture Literacy Internship takes us to the Nevada 4-H camp located at Lake Tahoe. Here a group of UNR interns taught agriculture lesson plans to 135 campers.

University of Nevada interns were at the 4-H camp the week of July 18, 2011.

It is important to note that not all the campers had a 4-H background. Not all campers had an ag background.

There are two main goals for Michelle Burrows and the interns at the 4-H camp. The number one goal is to increase the knowledge of agriculture to kids that are in need of learning where their food and fiber come from. A major bonus is they get to learn at the 4-H camp, which provides a fun learning environment.

The second goal is to review the upcoming curriculum and make changes to the Fall 2011 curriculum. Additionally, the camp provides a learning opportunity for the University interns.

Even though the interns that are teaching at the 4-H camp may or may not be taking the University class this upcoming semester, it

allows Michelle Burrows to examine the success of the curriculum and make any changes that are necessary prior to entering the elementary classroom. During the four days at the camp, the interns taught Amazing Grazing, We’re into Pumpkins, Tomatoes to Ketchup, Apple Cores to Healthy Soils, and Buzzy, Buzzy, Bee. Each lesson is from Food, Land, & People.

Each of the above listed lessons was either taught last year or will be taught this fall.

2011 Curriculum

The 2011 curriculum will include: We’re into Pumpkins, Tomatoes to Ketchup, and Amazing Grazing.

We’re Into Pumpkins

We’re Into Pumpkins is designed to be taught for grade level PreK-6 and incorporates Mathematics, Science, Language Arts, and Social Studies. The lesson plan will give students the opportunity to learn through hands-on, interdisciplinary activities. Students will learn about pumpkins as fruits and as food sources.

UNR Interns Takela Eaton (L) and Irma Dabila (R) are spray painting clothespins that will be used in the Amazing Grazing lesson plan. The clothespins are the sheep legs! Photo by Zach Allen

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Tomatoes to Ketchup

Tomatoes to Ketchup has been designed to be taught to grade levels PreK-6 and incorporates Language Arts, Science, Social Studies, and Consumer Education. Students will build connections between raw and processed food items.

Tomatoes to Ketchup teaches students where their food comes from. Butter is made from milk from dairy cows; steak comes from beef cattle; flour comes from ground wheat; potato chips are made from potatoes grown on a farm. It is important that these children understand where their food comes from, and that it doesn’t magically appear at the grocery store.

Amazing Grazing

Amazing Grazing has been designed for grades 4-6 and incorporates Social Studies, Nutrition, and Environmental Science. Here students will learn about the efficient use of renewable resources to meet human need. Students will build a food system to meet their needs, which is based upon the capability of their land resource, climate, topography, and economics.

Amazing Grazing takes into consideration the effects of grazing and how grazing livestock benefit the land. For example grazing animals can help prevent soil erosion. The lesson allows students to understand the animal science and how sheep, goats, and cattle can convert inedible plant fiber into quality protein.

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UNR Interns from Left to Right: Chiara Velotta, Irma Dabila, and Takela Eaton are teaching “We’re Into Pumpkins.” They used watermelon instead of pumpkins. Watermelons are apart of the same vined plant family. Photo by Zach Allen

Below, Intern Robin Eich, teaches campers the lesson, Buzzy, Buzzy, Bee. This lesson explains the importance of honey bees and how pollination affects farming and how bees make honey. Photo by Zach Allen

Next MoNth...

Introduction to the 2011 UNR Interns

To the Classroom! Not an elementary classroom (yet) but a look into the training process the interns go through prior to entering an elementary classroom.

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Kaine Baptist selected as 2011 Dave Fulstone II Scholarship recipient.

Kaine Baptist, a 2011 graduate of Yerington High School, is the perfect example of the caliber of student Dave Fulstone II would have chosen to receive a scholarship award in his name.

The Fulstone Scholarship, in its second year of being awarded, saw an increased number of quality applicants

wishing to pursue a career in the field of agriculture. Kaine, like many of the other applicants, was involved in 4-H and FFA programs and high school sports. He

also was active in student government and National Honor Society. The part of his application that placed Kaine at the top of the applicant list may have been his ability to express himself through his writing skills and his apparent work ethic ensuring his success at the post secondary level. Kaine had the opportunity to participate in a Rotary International Exchange program to France in his junior year of high school. This experience, in his words, opened his eyes to the international world and its diversity and, with his background in agriculture, decided to focus on a career in International Agricultural Business working in the import/export industry.

Kaine completed his high school career with a GPA of 3.86, ranking him 13th out of 110 students and he is currently enrolled at the University of Nevada, Reno.

The Dave Fulstone II Scholarship Award Fund was established at the 2008 Nevada Farm Bureau Annual meeting with contributions from many County Farms Bureaus, agriculture entities, and individuals. The Scholarship fund was augmented this past year with donations from Lyon County Farm Bureau and COUNTRY Financial Services.

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*Some exclusion apply, see store for details. Must present current Nevada Farm Bureau membership card.

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NevadaFarm Bureau

MembersVisit www.nvfb.orgNews | Calendar | Policy |

Member Benefits | Classified’s

Chocolate Milk Named Official Beverage of the Nevada Interscholastic Athletics AssociationSparks, NV — The Dairy Council of Utah/Nevada has partnered with the Nevada Interscholastic Activities Association (NIAA) to make chocolate milk the official beverage for high school athletes.

The NIAA sanctions 13 boys’ sports and 11 girls’ sports and oversees the Nevada Association of School Councils (NASC). NIAA reaches 105 member schools throughout Nevada.

NIAA estimates there are over 26,000 student-athletes in Nevada. Chocolate milk will be promoted at most high school championship games throughout the state. Approximately 7,000 student-athletes participate in the playoffs and will be able to take advantage of the recovery benefits of chocolate milk.

This unique partnership promotes a healthy lifestyle in accordance with the 2010 Dietary Guidelines for

Americans and supports the messages associated with the new “My Plate” concept and MilkPEP’s “Refuel with Chocolate Milk” campaign. American children consistently fall short in four key nutrients including calcium, potassium, vitamin D, and dietary fiber. Chocolate milk contains three of these “gap nutrients,” and offers an ideal combination of carbohydrate and protein for post exercise recovery.

Libby Lovig, Vice President of the Utah/Nevada Dairy Council, said, “This is a wonderful opportunity for us to reach our Nevada athletes with the healthy message that chocolate milk is the refuel beverage of choice after all sports. It is nutrient rich, tasty and affordable.”

Lovig continued to say, “The Dairy Council of Utah/Nevada and the Northern Nevada Dairymen are excited to be in partnership with the NIAA.”

For more information contact Libby Lovig, RD, VP Dairy Council – Nevada, (775) 674-4015, [email protected].

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Albaugh Ranch Hosting Two Day Seminar to teach “The Fry Herd Improvement Program”Albaugh Ranch in Fallon will be hosting the two day seminar, October 7th and 8th. Gerald Fry with Bovine Engineering will be the featured speaker for the two day intensive hands on learning experience. Attendees will be able to witness firsthand the results of The Fry Herd Improvement Program at work.

The seminar will bring common sense, linear measuring, animal husbandry, critiquing, correlating and interpreting each animal’s story and future production capabilities.

The seminar is intended to bring vitality, profitability, sustainability, health and excitement to your operation by using and selling grass more efficiently.

An investment for the seminar is $350 per person and $200 for the second individual from the same ranch. The cost includes two lunches, one dinner, refreshments, and time to visit and ask questions.

To attend, please RSVP with $100 deposit by September 30, 2011.

For more information please contact Albaugh Ranch at 775-423-3361. For more information about Gerald Fry visit his website at www.bovineengineering.com.

ELKO FARM BUREAU FAIR PHOTO CONTEST WINNERS

FIRST PLACE! Lonny Brown “Branding in Unison”

Second Place! Patsy Tomera “Going to Feed the Leppies”

Third Place! Sarah Spratling “Spratling Spring Branding” Honorable Mention Youth Division! Ian Spratling “Quaid & Ace Hangin’ Out”

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Officers

PresidentJames “Hank” Combs 702-399-0641Vice PresidentPaul Mathews775-728-4588District DirectorJim Hardy702-398-3137District DirectorCarla Pomeroy775-423-3801District DirectorCraig Shier530-570-5834 Women’s Committee ChairmanCindy Hardy 702-375-8124Executive Vice PresidentDoug Busselman800-992-1106

County Farm Bureau Presidents

Central Nevada CountyCarl Newberry775-482-9739Churchill CountySonya Johnson775-423-6156Clark CountyGlen Hardy702-398-3343Douglas CountyFred Stodieck775-782-2863Elko CountyRama Paris775-744-4388Humboldt CountyArlow Nielsen775-272-3498Lander CountyPaul Young775-964-2044Lincoln CountyBevin Lister775-962-5541Lyon CountyDarrell Pursel775-463-4900Washoe CountyLouie Damonte, Jr.775-851-0220White Pine CountyTyler Seal 775-238-0804

New Holland 1048 Bale Wagon for sale. Excellent working condition has all new tires. $10,000775-849-1003

1985 Case IH 1494 - 4WD, Cab, 18.4-34 Rears, 13.6-24 Front tires, 3,370 Hrs. $13,000.00/offer.775-720-2749 or [email protected]

1981 Freightliner - Cummins, 25 ft. bed, 32 ft. trailer. $9,000. 775-779-2279

1962 Studebaker GT Hawk - 4 speed, restored. $20,000. 775-779-2279

For Rent - Horse property and completely remodeled Farm House, 3/2 views 1800+ sq. feet near Genoa and Minden $1175 plus horse pasture available. For more information contact Al at 831-512-3225 or e-mail [email protected].

For Sale: Black Angus Bull - 5 Purebred Black Angus Bulls - Yearlings born Feb. 2010. KDK Angus. Weights Available. Located in Fallon. For more information call 775-423-5092.

FOR SALE 25 acres, Genoa-Minden Horse property leased on corner of Foothills and Mueller. Three Houses, 3 Double Garages, Two wells, Family Orchard, water rights. Superb Location! Annual Income $30,000. Selling price $1.35 with good terms. For more information contact Al at 831-512-3225 or e-mail [email protected].

IRRIGATION PIPE-135 pieces of 3 inch by 30 foot hand move sprinkler pipe $30 per piece-27 pieces of 4 inch by 30 foot hand move sprinkler pipe $30 per piece-95 pieces of 5 inch mainline pipe $45 per piece-1 1600 foot 5 inch wheel line 5 foot wheels $4000TRUCK TRACTOR1981 Peterbuilt model 362 coe 2 axle tractor. Sleeper. BC3 400 Cummins. Recent inframe. 13 speedGood running condition. Was used to haul hay to California until it was parked a year ago. $4000

HAY BOOM1961 Chevy 1-ton with 327 motor. Will run with minor repairs. Boom has a VG 4-cylinder Wisconsin.Hydraulics. $800.PICKUP1979 Ford Courier with service bed. Will run with minor repairs. $500MISCELLANEOUSChevy 350 motor with 350 automatic transmission. Late 1970’s model. Came out of an Impala that was in good running condition but was vandalized. $5003 Wisconsin motors: 1-VG 4-cylinder. 1-461 with PTO. 1-462 with PTO. None in running condition. Make offer.Email [email protected]. Phone 775-304-9136 or 775-304-4659

House For RentOne bedroom house available for rent on The Old 1862 Ranch, which is located 2 miles behind Bordertown, north on US 395. House has 1 bedroom, 1 bathroom, covered front porch, washer and dryer and storage unit. We are looking for a guy or a couple and are asking $750. per month, which includes utilities. Horse pasture is available. Please contact Jan 775-233-2609 or [email protected]

Detroit Diesel Water Pump - was used to pump water from the pond. 775-813-2516 or [email protected]

1979 COE Daycab Peterbuilt - Detroit 8V71, 8 speed wheelbase, 170”, One rear axle, 20ft. 8.5ft. wide metal rolloff bed w/winch, 10000 lb front axle. Air horn, chrome plated exhaust, tool boxes, heavy duty front bumper, tubeless wheels, 1100 x 24 front & rear tires. 2 fuel tanks (150 GALS). Fifth wheel available. Great running truck.775-813-2516 or [email protected]

275 Gallon Totes – FREE!!Free 275 gallon totes. Can be used as water containers or other materials. Located throughout Reno, Sparks, and Fallon. You must pick up. For more information and to arrange a pickup call Skip at 775-315-5994

To Place FREE Classified Ads...Online: www.nvfb.org/adformE-Mail: [email protected]: 1-800-992-1106Fax: 775-674-4004

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Tightening our Belts, Pulling up by our BootstrapsThe U.S. economy has taken a hit recently. The unemployment rate stands at 9 percent, our country’s credit rating was just downgraded from AAA to AA+, the national debt is at an all-time high and lawmakers can’t seem to agree on the best way to get us out of this financial hole.

The current situation affects all Americans, whether they’re farmers, teachers, wait staff or construction foremen. No one is immune. But, our country has been at the bottom of the financial barrel before and pulled itself up by the bootstraps. With some perseverance, consensus and common sense – we can again.

Make it Meaningful

While the debt ceiling bill that President Obama signed in August will keep our nation moving forward, even harder work lies ahead. It’s now in the hands of the congressional deficit reduction “super committee” to find ways to reduce our annual deficit spending.

Like most Americans, Farm Bureau wants to see a meaningful reduction in our deficit and put the country back on track to fiscal soundness. We support the need for deficit reduction and tackling the nation’s rising debt. Agriculture will do its part toward this end goal, but reductions need to be made wisely.

It is likely that any comprehensive plan to reduce deficit spending will include cuts in programs that assist farmers, ranchers and communities in rural America. But, as farm bill expenditures in this country represent less than one-half of 1 percent of the federal budget, balancing the budget or resolving the nation’s financial woes can’t be accomplished by focusing on agriculture or by disproportionately cutting agriculture funding.

Reduce Wisely

When it comes to tightening the budget, U.S. farm policy has already led the way. In contrast to other programs, the cost of farm policy has sharply decreased over the past 10 years, is consistently under budget and has been the subject of three separate rounds of cuts in the past six years, totaling roughly $15 billion in savings. Agriculture has always contributed to deficit reduction in the past when called upon.

Farm Bureau will work with the House and Senate agriculture committees as they develop a blueprint for agriculture spending. Our goal will be to retain the integrity of the farm programs that serve America’s farm and ranch families. Our priority is to have enough money left when all is said and done to write a viable farm bill that ensures an effective safety net for America’s farm and ranch families, furthers research, provides conservation measures and secures the nation’s food supply.

Getting back on financial track will require everyone to buckle down on spending. Working together, pulling up those bootstraps, we can do this.

by Bob Stallman, American Farm Bureau Federation

September 2011 | Page 10 | www.nvfb.org

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South Reno Agency •5555 Kietzke Lane, Suite 100, Reno NV 89511, 775-829-1011•6490 S. McCarran Blvd. #14, Reno, NV 89509 775-828-2930

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Some restrictions apply based on the make and model of equipment offered as collateral. Loans are subject to credit approval. Rates and financing options are limited to certain model years and are subject to change without notice. Finance charges accrue from origination date of the loan. Financing provided by Farm Bureau Bank FSB.

Banking services provided by Farm Bureau Bank, FSB. Farm Bureau Bank, FSB is a service to member institution that provides banking services to Farm Bureau members. Services are not available in AL, IL, MI, MO, MS, OH or WY and may not be available in some counties or parishes. Farm Bureau, FB and the FB National Logo are registered service marks owned by the American Farm Bureau Federation and are used under license by FB BanCorp and its subsidiaries, including Farm Bureau Bank FSB. FB BanCorp is an independent entity and the AFBF does not own, is not owned by, and is not under common ownership with FB BanCorp or its affiliated entities.

Purchase or refinance new or used ag equipment with Farm Bureau Bank – the bank of choice for Farm Bureau members. We offer up to 90% financing for new and 85% for used equipment, plus terms up to 7 years for new and 5 years for used equipment. Our flexible financing includes monthly, quarterly, semi-annual or annual payment plans. Let us help you grow your ag business.

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2011 NevadaFB EL ad.indd 1 1/19/2011 6:54:31 PM