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Tyler Tribute
Tyler, Minnesota
October 2, 2003     Tyler Tribute
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October 2, 2003

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11 Test Weight Grain LPaul, MN - Reports are be- Pe ' Celved by Farm Service ,.Y (FSA) county office staff !Syear's harvest contains low Weights for some commodi- w test weight commodities !,gible for recourse loan, non- rse loan and loan deficiency ts (LDPs). The nonre- loan rate for corn with a ght of 51.9 pounds or be- Soybeans with a test weight POunds or below is 20 per- f the county loan rate. The ity is also eligible for a re- n with the county loan for applicable dis- Eligible for FSA Commodity Loan counts, could obtain a market gain by Low test weight grain pledged as collateral for a recourse loan would receive a higher loan rate, however, recourse loans are not eligible for repayment at a rate less than principal plus interest. To be eligible for the LDP (rnarket gain) the commodity must be eligible for a nonrecourse loan and not have been pledged as collateral for a loan and repaid at a rate less than prin- cipal plus interest. Provided ben- eficial interest is retained in the commodity and other eligibility re- quirements are met, a producer pledging the commodity as collat- eral for a recourse loan, repaying the recourse loan at principal plus interest and'chert requesting an LDP on that same quantity. "This would allow a producer to take the recourse loan at a higher loan rate and if markets go down, also obtain a market gain by ob- taining the LDP," said State Execu- tive Director John Monson. Producers can obtain additional information about CCC loan op- tions and loan rates by contacting their county office staff. u00sture & Harvest Outlook ReCent r ..... ,, alns nelpea recnarge !moisture levels, which will e soil conditions for more Extension News and Views i v fall tillage. Although this went came about 2 weeks too iiSignificantly improve yields, By Jim Neseth, Regional Extension Educator I': lprove grain quality and add -- -- ight to corn and soybeans, and standability are the fields that from mid-through late September. v[aeetey, climatologist with the turned brown in a short period of By earlyto mid-October, dry-down rslty of Minnesota Extension time (3 to 4 days). These fields suf- rates will usually drop to one-half Ce, Says normal fall reci ita- fered an early death' which could to threefourths percent per day. in,. - . P P l(-'"ve to seven inches from result in increased stalk lodging and The corn fields/plants that suf- i,naber through November fered an early "death" will prob- ,tesult in a net ain of three ably dry in the field to levels low live . , . laches of soil moisture, enough so little to no dryingwill be ffls show that from 60 to 80 required. With high LP gas costs n! of fall rainfall will be and lower yields due to the dry i t m the soil, compared to weather, this saves drying costs. J0 percent in spring and .... However, the potential for higher , Umrner.  i field losses due to stalk lodging and e_U of M Research and Out- ' ! ear droppage is the tradeoff. The ,Center at Lamberton has dry weather stress has caused can- nibalization of plant sugars from the ,..eeping soil moisture data i;/960. The recent September .Urement shows only 1.66 !.f Water in the top five feet I I' This is the lowest value :,red for this time of year ,1988 (1.54 inches back then). ,,t D" .... this moisture is in the I,eand fifth foot below the soil . Moisture accumulation ePtember and this fall will ge the top three feet. dry weather means that Ill mature earlier, which will PPortunity for more field {z'vhich wilt reduce drying '-he cornfields I am most ith in terms of yield ear droppage, according to Dale Hicks, U of M Extension Agrono- mist. Growers should evaluate fields for ear droppage potential and har- vest those fields first. If the weather is sunny and breezy, corn will normally dry about three- fourths of one percent to one per- cent per day during the early warmer part of the harvest season, stalk to the grain That leaves stalks and ear shanks that are weak and susceptible to early stalk rot. The organisms that cause stalk rot also grow and develop more quickly at higher temperatures, which compounds the potential for early stalk rot development. Weakened stalks and shanks could mean lodging and ear droppage, which may slow harvest and increase harvest losses Ear droppage of one "normal" sized ear per 100 feet of row in 30-inch spaced row equals a loss of one bushel per acre. Students Attended The Environmental Fair u'6.September 16 or 17th, students study natural resources in Natural Resources Conservation thgrade students from Rus- an outdoor setting flexible enough Service, Science Museum of Min- . Yler_ Ruthton Elementary ineOln HI Elementary School to allow interactive learning, nesota, Minnesota Zoo, Redwood/ Cottonwood Rivers Control Area, tl the twelfth annual South- This year's Environmental Fair Lyon County, Lac qui Parle/Yellow 'ftinnesota Association of presentations helped students real- Bank Watershed District, Chippewa vation Districts CDE) Environmental Fair. ,100 students from a four- nty area gathered over two l Marshall to learn about the nrent through hands on ac- ' interactive displays and pre- 01ns.. A variety of agencies ga.nlZations created the atmo- !e-'.lnformation, and dynamics "vnmental learning to take ' rhere was a high level of PaSsing between students esenters during the two day ,gOal of the Southwest Min- IlVlrt " nmental Fair is to let ize that everything (people, wild- life, soil, water, air and plants) in nature is connected, and what we do affects all aspects of the envi- ronment. The topics covered by the various presentations included trees, soils, water quality, wetlands, native prairie, watershed, hazard- ous waste, recycling, and reptiles. All of these things are a part of and directly affect the natural world we live in. Presenters included staff from the Soil and Water Conservation Districts, University of Minnesota Extension Service, Minnesota De- partment of Natural Resources, River Watershed, Marshall Water Treatment Plant, and The Zoo Man. The lair is sponsored by the" Minnesota Board of Water & Soil Resources, the Southwest Minne- sota Area V Employees Associa- tion, and the Southwest Minnesota Area V Supervisors Association. These agencies, together with lo- cal businesses and organizations, provide staff and funding to sup- port this event annually. Without the help and support of all these people, this event would not be available to the 6th grade students in Southwest Minnesota. .age 11 I The Tyler Tribute, Thursday, October 2, 2003 Considerations for Buying Term Care Insurance In the last two weeks 1 taught a workshop in 3 locations of south- west Minnesota called "Financial Security in Later Life". One of the most common questions that came up was should l buy long term care insurance ? If I had the correct answer to that question, I'd be popular! Un- fortunately, I don't have the "an- swer" for everyone, but what I can provide are some considerations that everyone, who is thinking of buying a policy, should use in their decision to purchase or not. Extension News and Views by Shirley Anderson-Porisch, Regional Extension Educator as a result of the number of baby boomers approaching retirement, an aging work force, and increas- ing numbers of employees experi- encing the impact of caring for the elderly. Here are a few basic guidelines to follow as you consider purchas- efits, limitations/exclusions, premi- ums, etc. Take your time and compare company materials that outline coverage. Like any other purchas- ing decision, do not let anyone pres- sure or scare you into making a quick decision. Do your best to un- According to Marlene Stum, ing long term care insurance. Al- U ........... ways check with several companies nlverslty oI Minnesota ramlly , ,, . - . .., ana agents You mlglt start wire Resource Management Speclahst, " . long term care is a critical decision-  .-, Iurance pro- making issue facing individuals, Jl { [\\; leSSl.onat,s families, and societv There is little !  [ ] w I t n -'" ( lmL .  / , debate that long-term care can ,-, : d .. "':::: ......... threaten the financial security of in- ,i > d ,"l, ...... t dividuals, their family members, as ',:.2,_ 1J , | al well as state and federal govern- ," ,$tll:! "111, ll ments What is increasingly clear .(.j7]'--:../ /i d,L t IS that individuals and their faml- /' ,.:-,  l!es will need to assume respon- t 'J 11 -', r" . / slbdty for planning and paying N. ] ]] '\\; , / forlongtermcare. Onelong-term ff'" 1t|:', l'l care risk management strategy is 'v to purchase long-term care in- //,d[ I ', surance, k. l--!_ (1/" i The market for long-term care whom you already have a relation- insurance has steadily grown and ship to see if they fiave options for changed over the past decade with long term care. Don't stop there - the most dramatic change happen- tha[will just be your firsistop for ing in the employer-sponsored mar- information. Continue your search ket. Long-term care issues have with other companies asking ques- gained attention in the workplace tions that relate to coverage, ben- derstand the coverage by asking questions. Be cautious of an agent who gives you vague or different information than what is covered in the written materials Don't be misled by advertising especially through the endorsement of celeb- rities. Most of these people are pro- fessional actors who are only paid to advertise a policy. They are not insurance professionals Also be careful of mass mailings that may appear "official" when in reality are only trying to sell you a product If you are interested in more information on buying long term care insurance, I highly recom- mend that you visit www.financing or contact me at 507-537-6702 if you don't have access to the internet and I can provide these materials to you. Making the decision for long term care is very personal - this infor- mation will help you make "your'" best decision. Extension Offers WONDERWISE Science Education Workshop In Windom If you're a teacher, natural re- sources professional, educator, volunteer, or anyone interested in educating others about science and the environment, you're invited to participate in a workshop featur- ing WONDERWISE on Thursday, October 9th from 9:30 AM - 3:30 PM at the U.S. Fish & Wildlife Ser- vice Headquarters in Windom. WONDERWISE is a curricu- lum with the goal of engaging youth in the wonders of science. This se- ries of educational kits combines personal insights from scientists with hands-on activities for youth. Extension Connections by Karen Ostlie, Regional Extension Educator The activities and information are For more information contact easily adaptable to all ages as well Karen Ostlie, Regional Extension as to our diverse Minnesota natu- Educator- Environmental Science ral habitats. A $20 registration fee Education, University of Minnesota includes one complete educational Extension Service at 507-694- kit, lunch, certificate of attendance, 1470, toll-free 1-800-745-8217, or and the opportunity to explore all e-mail ostliOO4@umnedu. Regis- kits during the workshop, tration deadline is October 3rd. NAP Producers Affected By Drought Encouraged To State Executive Director John Monson today reminded produc- ers with acres enrolled in the Noninsured Crop Disaster Assis- tance Program (NAP) to report within 15 calendar days the date damage to the crop or loss of pro- duction becomes apparent or the normal harvest date. The Non-insured Assistance Program provides financial assis- Report Crop Damage To FSA tance to eligible producers affected by natural disasters such as drought and floods. Eligible crops include commercial crops and other agri- culture commodities produced for food or fiber. Also eligible are spe- cialty crops (honey and maple sap), and value loss crops (aquaculture, Christmas trees, ginseng, ornamen- tal nursery and turfgrass sod). NAP provides low-level protec- tion against losses greater than 50 percent; NAP payments are based on 55 percent of an established statewide average price. Producers are encouraged to contact the staff at their local county Farm Service Agency to ascertain deadlines for reporting losses. WAVEFRONT LASlK $999/eye* Many seniors do! independence DEBT FREE! Lt]THF.g AUSTRALIA & NEW (OLLEGE ZEALAND TOUR Leave this winter behind and go "Down Under" with Luther College Alumni & Friends t This amazing 29 day tour departs Feb I and returns Feb 29. The to.r size is limited to 28 participants, aad is filling fast, so book now! The Cooper Law Firm Employment Serious Injury Malpractice A premier lawfirm, now in Rochester WHEN YOU NEED A LAWYER, GET THE BEST Stephen W. 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