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Delicious dutch-oven cooking, the need to ensure the Arkansas River has a certified shipping channel depth of 12 feet, importance of the new Farm Bill, Facts about ticks and Lyme disease.
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FRONT PORCHFRONT PORCH May - June 2012
arfb.com
Spicy smoked trout dip
Teach your children about fi nances
Delicious Dutch-oven
cooking
OK
Prepared by The Production Arts Studio | Goodby Silverstein & Partners. All rights reserved. 415.392.0669
Released on 3.19.12Printed at 100% Round 1
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Mechanical SpecsChevrolet RetailCHEVY-RET 503
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Farm Bureau Template - Full Page Tabloid - Thank You
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BECAUSE THANK YOU ISN’T THANKS ENOUGH.
$500ON TOP OF MOST CURRENT OFFERS1
PRESENTING A PRIVATE OFFER FOR FARM BUREAU MEMBERS.
1 Offer available through 4/1/14. Available on all 2011 and 2012 Chevrolet vehicles (excluding Volt and Camaro ZL1). This offer is not available with some other offers, including private offers. Only customers who have been active members of an eligible Farm Bureau for a minimum of 60 days will be eligible to receive a certificate. Customers can obtain certificates at www.fbverify.com/gm. Farm Bureau and the FB logo are registered service marks of the American Farm Bureau Federation and are herein used under license by General Motors.
You choose Farm Bureau because you never know where life will take you.
To thank you, we’re proudly extending this special $500 private offer1
good toward the purchase or lease of nearly any new Chevrolet vehicle—
from Equinox to Malibu. Don’t wait, get your personal authorization
number now at fbverify.com/gm and visit your Chevrolet dealer today.
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$500PRIVATE OFFER
Farm Bureau members can get a $5001 private offer toward the purchase or lease of most new GM vehicles,including the Chevrolet Silverado 2500hD and 3500hD lineup. Visit fbverify.com for more details. They get tough jobs done with a maximum payload of up to 6,635 lbs.2 and a conventional towing capacity of up to 17,000 lbs.3And through the GM Business Choice Program,4 business owners receive even more when purchasing or leasing an eligible Chevrolet or GMC truck or van for business use. Visit gmbusinesschoice.com for details.
Bull Motor Company729 Hwy 64 W, Wynne
870-238-2800www.BullMotorCo.com
Smith Chevrolet-Cadillac Co.1215 Hwy 71 S, Fort Smith
479-646-7301
Crain Chevrolet, LLC9911 Interstate 30,
Little Rock501 255-5300
www.crainchevy.com
Landers Chevrolet19236 Interstate 30,
Benton501-315-2500
Classic Chevrolet941 Constitution Ave.Ashdown, AR 71832
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TRUCKS
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870-935-5575
Everett-Maxey Buick-GMC
Moberly Lane, Bentonville
866-812-3307EverettMaxey.com
Stanley Wood Chevrolet-Pontiac
Co.290 South Central Avenue, Batesville
870-793-8400
Holt Auto Group905 Unity Rd., Crossett
(870)364-4424www.holtautogroup.net
Smart Chevrolet 515 W 5th, Pine Bluff
870-534-8122www.smartdrive.com
Everett Buick-GMCI-30 Alcoa Exit, Bryant
501-315-7100EverettBGMC.com
Allen Tillery Auto4573 Central, Hot Springs
1-888-TILLERYwww.allentilleryauto.com
Everett ChevroletI-540 at
Elm Springs Road, Springdale
888-536-0352EverettChevroletNWA.com
Gerren Motor CompanyChevrolet Buick GMC
2190 US Hwy 165 W, England501-842-2527
Holly Chevrolet6601 Interstate 55 N, Marion
870-739-7337
1 O�er valid toward the purchase of new 2011 and 2012 Buick, Chevrolet and GMC models, excluding Chevrolet Volt.2 Requires Regular Cab model and gas engine. Maximum payload capacity includes weight of driver, passengers, optional equipment and cargo.3 Requires available 6.6L Duramax® diesel engine. Maximum trailer ratings assume a properly-equipped base vehicle plus driver. See dealer for details.4 To qualify, vehicles must be used in the day-to-day operation of the business and not solely for transportation purposes. Must provide proof of business. �is program may not be compatible with other o�ers or incentive programs. Consult your local Chevrolet or GMC dealer or visit gmbusinesschoice.com for program compatibility and other restrictions. Take delivery by 9/30/2012.Farm Bureau and the American Farm Bureau Federation® are registered service marks owned by the American Farm Bureau Federation, and are used herein (or by GM) under license.©2011 General Motors LLC
Exclusive $500 Member Private Offer is Available at any Arkansas
Chevy, GMC or Buick Dealer. ®
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F R O N T P O R C H I arfb.com2
On the cover — A delicious fruit cobbler is ready for cooking using a Dutch oven. These cast-iron cooking pots have been used since the early 1700s.
Photo credit: Lodge Manufacturing
R E T I R E M E N T F O R F A R M E R SYes, farmers can retire. And by investing your assets in a Charitable Remainder Unitrust, you can significantly reduce your tax burden, generously provide for your golden years with regular income payments and leave a legacy that supports farming around the world forever. To learn more visit www.farmersforheifer.org or call us at (888) 422-1161.
3F R O N T P O R C H I arfb.com
IFRONT PORCH
May - June 2012
Created byPublishing Concepts, Inc.
Virginia Robertson, [email protected]
14109 Taylor Loop Road • Little Rock, AR 72223
For address changes, contact:Rhonda Whitley at [email protected]
Arkansas Farm Bureau Federation Farm Bureau Center
P.O. Box 31 • Little Rock, AR 72203-0031Fax: (501) 228-1557
Please provide membership number.
Edition 80
6 Delicious Dutch-oven cookingKeith Sutton
3 Farm Bureau Matters Randy Veach
4 Food for Thought Ewell Welch
16 Taste Arkansas Tara Johnson
18 Land & PeopleGregg Patterson
22 Building WealthAllyson Hamlin
24 In the Kitchen Gregg Patterson
26 Health & Safety Keith Sutton
FRONT PORCHFRONT PORCHMay - June 2012
arfb.com
Spicy smoked trout dip
Teach your children about finances
Delicious Dutch-oven
cooking
C O V E R
On the cover — A delicious fruit cobbler is ready for cooking using a Dutch oven. These cast-iron cooking pots have been used since the early 1700s.
Photo credit: Lodge Manufacturing
Farm Bureau Matters
by RANDY VEACHPresident, Arkansas Farm Bureau
Send comments to:[email protected]
I toured the Panama Canal, one of
the 7 Wonders of the World, while on
an agricultural trade mission in 2009.
So I understand the need for the United
States to ready its ports and waterways
in advance of completion of an expan-
sion project that will enable the Panama
Canal to accept significantly larger ves-
sels.
Builders of the canal in the early
1900s never imagined the massive ships
that now travel the world, some more
than 1,000 feet long. To rectify that, a
third set of locks is being constructed
to make the transportation of goods
through this route more efficient once
completed in late 2014.
While Panama races to finish this
$5.25 billion project, the U.S. needs to be
working to ensure our ports and water-
ways are ready to handle the increased
traffic, tonnage and shear mass of the
vessels that will connect commerce
around the world. Agricultural products
are moved frequently through the canal,
and Arkansas farmers rely on these trade
routes to move their products around the
globe.
Of the 20 major U.S. ports handling
international traffic, just two are ready
for “post-Panamax” vessels, the largest
ships that make up this massive transpor-
tation network. Other countries are more
prepared than the U.S. The deficiencies
in our port systems threaten to isolate us
from world trade.
Deepening the Port of New Orleans
is necessary, and work has also begun at
the in-land port of Memphis, both criti-
cally important to continued economic
growth in the mid-south. Unfortunately,
most major port expansions require
Congressional approval, studies by the
Army Corps of Engineers and a significant
amount of federal funding – all time-con-
suming processes. The U.S. government
needs to fast-track these improvements.
In our state, we need to ensure the
Arkansas River has a certified shipping
channel depth of 12 feet. This will allow
the most heavily loaded barges to use the
waterway throughout the length of our
state. While most of the river currently
meets that standard, there are sections
(totaling 45 miles) that need to be deep-
ened from 9 to 12 feet. This project will
cost roughly $160 million, no small sum
but a worthy investment.
Estimates suggest the 12-foot channel
would add 40 percent to the load capacity
of the river’s shipping system, with the
same number of tows, fuel expense, etc.
This is the definition of efficiency, which
helps us stay competitive in world trade.
Agricultural products shipped on the
Arkansas River now approach $4 billion
annually. These include soybeans, rice,
corn and other feed grains as well as fuels
and petroleum products. In fact, of the 11
billion tons of products shipped on the
Arkansas River, more than 3 billion tons
(or 30 percent) is related to agriculture.
A similar figure applies to the Mississippi
River, too.
Efficient transportation of goods
through our waterways helps contain the
costs of many of the products we consume
daily, food being at the center of those
costs. And that impacts everyone.
God bless you. God bless the farmers
and ranchers. God bless Arkansas Farm
Bureau. �
R E T I R E M E N T F O R F A R M E R SYes, farmers can retire. And by investing your assets in a Charitable Remainder Unitrust, you can significantly reduce your tax burden, generously provide for your golden years with regular income payments and leave a legacy that supports farming around the world forever. To learn more visit www.farmersforheifer.org or call us at (888) 422-1161.
F R O N T P O R C H I arfb.com4
TOffi cial membership publication of Arkansas Farm Bureau Federation.
Front Porch is mailed to approximately 212,000 member-families.
SUBSCRIPTIONS: Included in membership dues.
ARKANSAS FARM BUREAU OFFICERS: President
Randy VeachManila
Vice PresidentRich Hillman
CarlisleSecretary/Treasurer
Tom Jones Pottsville
Executive Vice PresidentEwell WelchLittle Rock
DIRECTORS:Richard Armstrong, Ozark
Troy Buck, Alpine Jon Carroll, Moro
Joe Christian, Jonesboro Terry Dabbs, Stuttgart Mike Freeze, England
Bruce Jackson, Lockesburg Johnny Loftin, El Dorado
Gene Pharr, Lincoln Rusty Smith, Des Arc Allen Stewart, Mena
Mike Sullivan, Burdette Leo Sutterfi eld, Mountain View
EX OFFICIOSue Billiot, Smithville Janice Marsh, McCroryKirk Meins, StuttgartBrian Walker, Horatio
Executive Editor: Steve EddingtonEditor: Gregg Patterson
Contributing Editors: Ken Moore, Keith Sutton, Chris Wilson
Research Assistant: Brenda Gregory
ADVERTISING: Contact David Brown at Publishing Concepts, Inc. for
advertising [email protected]
(501) 221-9986 Fax (501) 225-3735
Front Porch (USPS 019-879) is published bi-monthly by the Arkansas Farm Bureau Federation, 10720 Kanis Rd., Little Rock, AR 72211.
Periodicals Postage paid at Little Rock, Ark. POSTMASTER: Send address changes to Front Porch,
P.O. Box 31, Little Rock, AR 72203.
Publisher assumes no responsibility for any errors or omissions. All rights reserved. Reproduction without
permission is prohibited.
The Arkansas Farm Bureau Federation reserves the right to accept or reject all advertising requests.
FRONT PORCHArkansas Farm Bureau © 2012
Food for Thought
by EWELL WELCHExecutive Vice President, Arkansas Farm Bureau
The development in Congress of a
new farm bill will be in the news for the
remainder of this year and on into next
year if an approved bill isn’t signed into law
by year end. With it being a major election
year, it wouldn’t be surprising if the process
bleeds into next year.
As always, some organizations want
greater environmental regulation of farming
written directly into the farm bill. So it’s
probably necessary to remind folks just
what good caretakers of the land farmers
and ranchers already are and how effi cient
they’ve become in providing more food and
using less resources to get the job done.
• While farm and ranch productivity has
increased dramatically since 1950, the use
of resources (labor, seeds, feed, fertilizer,
etc.) required for production has declined
markedly.
• America’s farmers and ranchers are
doing their part to feed a growing world.
Total U.S. crop yield (tons per acre) has
increased more than 360 percent since
1950.
• Dairy cow milk production has become
more effi cient since 1980. The pounds of
feed (grain, forage, etc.) a cow needs to
consume to produce 100 pounds of milk
has decreased by more than 40 percent
on average in the last 30 years.
• Since 1982, U.S. land used for crops
has declined by 70 million acres.
Conservation tillage, a way of farming
that reduces erosion (soil loss) on
cropland while using less energy, has
grown from 17 percent of acreage in 1982
to 63 percent currently.
• Careful stewardship by America’s food
producers spurred a nearly 50 percent
decline in erosion of cropland by wind
and water since 1982.
• Farmers have voluntarily enrolled
30 million acres in the voluntary
Conservation Reserve Program to date,
making it the largest public-private
partnership for conservation and wildlife
habitat in the U.S.
• America’s farm and ranch families are
dedicated to caring for our planet. They
are ethical caretakers of the land and
water resources that help make our
nation’s bounty possible.
• In addition to their ethical dedication to
protecting the land, it is in the economic
interest of farmers and ranchers to care
for natural resources. America’s farmers
and ranchers take their commitment to
land stewardship very seriously.
• Through modern conservation and
tillage practices, farmers and ranchers are
reducing the loss of soil through erosion,
which protects lakes and rivers.
• Today, it is possible for farmers and
ranchers to produce more food, fi ber and
fuel than ever before on fewer acres with
fewer inputs.
• Such modern production tools as global
positioning satellites, biotechnology,
conservation tillage and integrated
pest management enhance farm and
ranch productivity while reducing the
environmental footprint.
• Farmers and ranchers are proven and
committed environmental stewards,
but they are justifi ably concerned
about the regulatory overreach of the
Environmental Protection Agency. At the
very time agriculture’s environmental
footprint is shrinking, EPA has ramped
up its regulatory force.
Farmers and ranchers work the land
every day. It’s a part of who they are. And
their good stewardship is evident in their
care for our natural resources.
4
�
5F R O N T P O R C H I arfb.comw w w . g r o w i n g a r k a n s a s . o r g
Meet Lacy GloverFormer Miss Arkansas and Spokesperson for the Arkansas Foundation for Agriculture
J O B S
E N V I R O N M E N T
F O O D
Arkansas Farm and Ranch Families Provide…
w w w . g r o w i n g a r k a n s a s . o r g
Spokesperson for the Arkansas Foundation for Agriculture
ArkansasFoundation for Agriculture
Safe, affordable food
24% of Arkansas Jobs
75% of Wildlife Habitat
Protecting the Environment
F R O N T P O R C H I arfb.com6
--
-
by Keith Sutton
Delicious Dutch-oven cookingBecome THE camp chef
W
7F R O N T P O R C H I arfb.com
Want to make delicious camp
meals your friends and family will
rave about? Learn to cook stews,
baked beans, biscuits, cobblers,
cakes and other favorites in a Dutch
oven. Cooks have used this versatile
cooking utensil for centuries to
prepare delectable meals for hungry
campers.
Dutch ovens as we know them
today were developed in the early
18th century. They sometimes
were called “bake kettles” or “bake
ovens,” but “Dutch oven” (a name of
uncertain origins) became the title of
choice long ago. By the mid-1700s,
nearly all American families were
cooking in Dutch ovens on home
hearths and campfi res.
Today’s Dutch ovens differ little
from early models. Each is a large
deep pot with a tightly fi tting lid.
Three short legs support the whole
affair over coals on the ground. The
lid has a raised rim to retain coals
placed on the lid and to keep ashes
from falling into the oven when the
lid is lifted. With this arrangement —
coals on top and coals beneath — the
oven can be evenly heated for better
cooking.
A fi xed handle on top of the lid
provides for lifting the lid. A bail of
steel wire is permanently attached to
the pot portion for lifting and moving
the whole oven. Old-time ovens were
heavy cast iron, as are many modern
versions, but now you can get lighter
aluminum ones, too. I prefer cast-
iron ovens, however. Cast iron heats
slowly and evenly, and retains the
heat long after the pot leaves the fi re.
Aluminum ovens don’t have these
characteristics, and are tricky to work
with. Food often burns and sticks.
The newest cast-iron cookware
now comes pre-seasoned from the
factory. Having a properly seasoned
cast-iron Dutch oven is very
important. Older models or ones that
have suffered from neglect or misuse
need re-seasoning. This is done by
fi rst cleaning the oven in hot, soapy
water using a stiff brush to remove
any rust spots on the metal (the only
time you should use soap on cast
iron). Then rub melted shortening
or cooking oil on all surfaces of the
oven. Place it in an oven preheated
to 350-400 degrees F for a hour.
After heating, allow the Dutch oven
to cool slowly in the oven. (Never
try and cool a hot Dutch oven with
cold water.) Then cover the whole
metal surface with a light coating
of cooking oil to protect the metal
from rusting. Your Dutch oven will
form a black patina, or fi nish, with
continued use.
Aluminum ovens won’t rust and
don’t need any preparation before or
after use. Simply wash and dry; no
need to oil.
Preheat the Dutch oven before
baking food. Do this by placing a few
coals on top and a few underneath for
several minutes. This helps keep food
from sticking in the oven.
Food can be placed directly in
the oven, or placed in a pan or
aluminum foil wrapper in the oven. I
like to cook large cuts of meat, soups
and stews, and boiled or steamed
vegetables directly in the oven. Foil
cups are good containers for muffi ns
and breads. When making a cake
or pie that needs to be removed for
cutting and serving, I use a pan in
the oven, elevated above the bottom
to allow heated air to circulate all
around and protect the dish from
overheating by the coals beneath. A
couple of metal tent pins or nails, or
a few pebbles, placed in the bottom of
the oven support the pan.
Coals are placed under the oven,
and on top, when cooking. Generally,
when making dishes with large liquid
content, such as stews and soups, you
place two-thirds of the coals beneath
and one-third on top. This transmits
higher heat to the liquid. When
baking, reverse these proportions:
one-third beneath and two-thirds on
top. Too many on the bottom may
overcook the baking food. More coals
on top give high heat to the baking
air space in the oven and directly
down to your food.
Charcoal briquettes also work
well for heating. I usually place six
or seven under a 12-inch oven and
12 to 15 on top, replenishing these
with new briquettes when preparing
dishes with long cooking times. If
the ground is damp, place a piece of
aluminum foil on it to protect your
coals or briquettes and get maximum
heating.
It’s sometimes tricky maintaining
the proper heat while cooking.
Regulate it by adding or taking
away coals on top or beneath,
experimenting a bit if necessary. It’s a
good idea to build a small fi re beside
the oven and keep shoveling the
fresh-made wood coals from there to
the oven. Check the progress of your
cooking by lifting the lid with tongs
or a hook and testing.
Remember, Dutch ovens are not
just for baking. They work well for
making soups and stews, pan frying,
broiling and deep frying as well.
The lid can be inverted and used as
a griddle, with some rocks, or three
metal tent pegs driven in the ground,
as supports.
Dutch ovens are naturals for one-
pot meals, but if you want to get
spoiled, try the luxury of a whole
battery of ovens: one for meat, one
for vegetables, others for bread, pie,
cake, cobbler, you name it. This is real
living!
Here are some excellent recipes to
try next time you go camping.
F r o n t P o r c h I arfb.com8
Let’s go Dutch Dutch ovens are incredibly versatile cooking utensils used to prepare everything from baked goods and meats to scrumptious stews like this.
Dutch Oven Brunswick StewIngredients
2 cups cooked, diced chicken
3 quarts water
1/4 cup diced bacon
2 teaspoons fresh-ground black
pepper
1/4 teaspoon cayenne pepper
1 tablespoon salt
1 cup pearl onions
2 cups peeled, whole tomatoes
2 cups diced potatoes
1 cup lima beans
2 cups whole-kernel corn
Instructions
Add all the ingredients to the Dutch
oven, mix well, cover, and coals above
and beneath, and simmer until everything
is bubbly and heated through. Serve
hot with thick wedges of fresh-made
cornbread. Yield: 10 to 12 servings.
9F R O N T P O R C H I arfb.com
KeepArkansasBeautiful.com
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Melt-in-Your-Mouth BiscuitsIngredients
2 cups Bisquick baking mix
1 cup sour cream
1 stick (1/2 cup) melted margarine
or butter
Instructions
Preheat the Dutch oven. Mix all
ingredients until smooth. Spoon dough
into foil muffin cups, three-fourths full.
Bake approximately 15 minutes.
Easy Dutch Oven CobblerIngredients
3/4 cup melted butter
1 cup sugar
1 cup flour
2/3 cup milk
1 large can sliced fruit
Instructions
Pour butter into the Dutch oven.
Combine sugar, flour and milk. Pour over
butter. Add fruit. Bake until golden brown.
Baked ApplesIngredients
Several apples
Sugar
Cinnamon
Butter
10 F R O N T P O R C H I arfb.com
Kingsford tonight Dutch ovens are great for preparing a wide variety of delicious foods using campfire coals or charcoal briquettes as the heating source. Note the raised lid rim on this Dutch oven. It holds hot coals for baking and helps prevent ashes from getting into the food.
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Instructions
Wash and core apples, preparing one
or two per serving. Sprinkle sugar and
cinnamon inside the hole, then add a pat
of butter. Put apples in a greased pie pan
and add a little water. Place the pan in a
preheated Dutch oven, elevated to prevent
burning. Cover, add coals on top and
beneath, and bake for about 30 minutes.
Beanhole BeansIngredients
1/2 pound sliced salt pork
8 cups cooked navy beans
4 tablespoons tomato paste
1 cup molasses
1/2 cup brown sugar
2-1/2 teaspoons dry mustard
1 teaspoon black pepper
1/2 teaspoon thyme
A pinch or two of ground cloves
2 quarts water
2 small onions, peeled
Instructions
Line the bottom of a Dutch oven
with half the salt pork slices. Mix the
remaining ingredients, except the onions
and remaining salt pork, and pour into the
pot. Bury the whole onions in the center
of the beans. Arrange the remaining salt
pork slices on top, cover the pot, and place
in a hole slightly larger than the oven that
you’ve dug beside the campfi re. Rake hot
coals and ashes over the top and sides. If
your Dutch oven has a bail, leave it in an
upright position for easier removal. Top
the pot with aluminum foil to keep out
the dirt, and shovel dirt back into the hole
to a depth of 4 or 5 inches, tamping it
down well. Now let the beans cook 6 to 8
hours. When you return from a day’s hike
or fi shing expedition, you’ll have a special
treat in store. Makes 12 to 15 servings.
11F R O N T P O R C H I arfb.com
Life is priceless.Insuring it should be affordable.There’s no limit to what you would do for your children. But there is a limit to your budget. We know how to help you with both. Call now for a Get Real Review from your local Farm Bureau Insurance Agent.
Southern Farm Bureau Life Insurance Co., Jackson, MS
www.sfbli.com
LILF
PR41
005
�
FOR ADVERTISING INFORMATION
Magazine
Reach over 750,000 people and every zip code in Arkansas
Call or e-mail David Brown 1.800.561.4686 [email protected]
FRONT PORCHSmart Chevrolet
515 W 5th, Pine Bluff870-534-8122
www.smartdrive.com
12 F R O N T P O R C H I arfb.com
Information: 870-269-3851 • Cabin Reservations: 800-264-3655 OzarkFolkCenter.com
SEASON EVENTSM A Y13: Mother’s Day Buffet at the Skillet
Restaurant15-19 & 22-26: Garden Glory Days26-28: Memorial Day Celebration27: Bushwackers and Scallywags
J U N E1: Tribute to Johnny Cash2: Gearing up the Grill7-9: Autoharp Workshop11-15: An Ancient Voice on the Wind –
Flute Making15-16: Irish Music & Dance with
St. Louis Irish Arts M O U N T A I N V I E W , A R K A N S A S
J U L Y4: Donkey Days & 4th of July Celebration5-7: 9th Annual National Shape Note
Gathering7: Cool Foods Cooking Class9-13: Day Camp12-14: Great Smoky Mountains Cloggers13: Handcrafted Evening
in the Park17-21: Women of the Ozarks21: The Women of Mountain Music23-27: Day Camp26-28: Mountain Dulcimer Workshops
Come Play with UsCome Play with UsCome Play with UsCome Play with UsCome Play with UsCome Play with UsThe Ozark Folk Center is a great place for your whole family to experience the crafts, music and herbs of the Ozarks. The Craft Village is open Tuesday- Saturday from 10 a.m. to 5 p.m. Concerts are at 7 p.m., Wednesday – Saturday. Check out the down-home good cooking at the Skillet Restaurant and stay in our comfortable Cabins at Dry Creek. To plan your getaway visit OzarkFolkCenter.com for a listing of workshops, events and concerts. Come learn a craft, listen to music and enjoy the gardens. Come play with us!
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• www.facebook.com/ArkansasFarmBureau
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15F R O N T P O R C H I arfb.com
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BBeef, it’s what’s for dinner. The U.S. beef industry represents
the single largest segment of American
agriculture. Annual sales of beef top
more than $49 billion. In fact, per
person consumption of beef tops 60
pounds annually.
Three ounces of lean beef is a mere
154 calories. The calories in a three-
ounce serving of lean beef contributes
to less than 10 percent of calories to a
2,000-calorie diet while providing 51
percent of the protein, 38 percent of
the zinc and 37 percent of the vitamin
B12 a person needs daily.
Beef is one of
the most important
dietary sources of
iron. Iron not only
helps red blood cells
carry oxygen to body
tissue, it also plays
and important role in
cognitive health. Iron
affects the memory,
the ability to learn and
to reason. The Center
for Disease Control
and Prevention
estimates that four
million U.S. children
are iron deficient. Beef
proteins, unlike plant
proteins, provide the
most readily available
and easily absorbed
source of iron. With
iron deficient children,
beef is an important
part of a healthy diet.
The beef industry
is being criticized
for the use of lean
finely textured beef.
Detractors call it “pink
slime.” However, lean
finely textured beef is
100 percent beef. The
USDA inspects and
strictly regulates all beef products.
It’s made from trimmings which
are leftovers from popular meat cuts.
They are pieces of fat that contain small
portions of beef. The trimmings go
through a spinning process similar to
separating cream from milk. The result
is a 97 percent lean beef product called
lean finely textured beef.
Nearly half of all beef consumption
is hamburger and other ground beef
products. Hamburger that contains lean
finely textured beef is a sustainable
product. Processing trimmings into
lean finely textured beef recovers lean
meat that, otherwise, would be wasted.
If the beef industry stops processing
trimmings into lean finely textured
beef, an additional 1.5 million head of
cattle will be needed annually to make
up the difference.
In a world where farmers are feeding
more people with fewer resources,
products like lean finely textured beef
keep our production system viable. May
is National Beef Promotion Month.
Celebrate by trying these tips for
cooking hamburgers:
• Work with very cold hamburger.
Form your patties, then put them
back in the fridge for 30 minutes
to cool down even more.
• Be generous with the salt and
pepper.
• Get the grill really hot.
• Let the burger rest for a couple
minutes after you take it off
the grill. This way it won’t
immediately lose its juices the first
bite.
Taste Arkansas From farm to table
compiled by Tara Johnson
Where’s the beef? If the beef industry stops using lean finely textured beef in ground beef products, an additional 1.5 million head of cattle will have to make up the difference annually.
17F R O N T P O R C H I arfb.com
Turkey Lovers’ MonthJune is Turkey Lovers’ Month. During
the last three decades, the turkey
industry has grown from single-
product, holiday oriented production
to a fully integrated industry with
diversified products. Since 1970, turkey
consumption has grown 102 percent.
Last year, Americans ate 18 pounds of
turkey per person.
Some thought turkey was only for
the holidays or sandwiches. Turkey is
now competing with other proteins
year-round, and turkey products
are gaining popularity in American
kitchens. There are a lot of options for
regularly eating turkey. Ground turkey,
turkey sausage, turkey breast, turkey
tenderloins and turkey bacon are all
popular products.
Like U.S. turkey consumption, turkey
exports continue to grow. The top five
export markets for U.S. turkey meat are
Mexico, China, Hong Kong, Canada and
the Dominican Republic.
If you saw my article, “Raising
Thanksgiving,” in the 2011 November/
December issue of Front Porch you know
my parents raise turkeys. Even though
I have a lot of experience with turkey,
I was skeptical of products like turkey
sausage. How would that taste anything
like the smoked sausage I normally
buy? I finally bought some, and it was
fantastic. There was all the flavor of a
beef or pork sausage without the grease.
Nutritionally, turkey is an excellent
source of protein. In one three-ounce
serving of turkey breast there is 117
calories, 0.64 total fat grams and 26.2
grams of protein. In a comparable
serving of chicken breast, there are 140
calories, 3.1 total fat grams and 26.7
grams of protein.
A healthy diet is full of variety.
Turkey has a naturally mild taste
that combines readily with different
seasonings. The versatility of turkey
as a protein makes it an excellent
substitute for other proteins in your
favorite dishes. For example, you can
easily substitute turkey breast for
chicken breast in any of your favorite
recipes. Try something new in June and
celebrate Turkey Lovers’ Month.
Gobble it down Turkey consumption is up 102 percent since 1970. Turkey is now competing with other protein foods year-round.
�
1. Grate cloves of garlic.
• Makingarecipethatcallsforminced
garlic?Pulloutthetrustycheese
grater.Gratethegarlicoverthesmall
holesandyou’llhaveperfectlyminced
garliceverytime.
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F R O N T P O R C H I arfb.com18
NNed Ray Purtle, of Hope (Hempstead
County) has spent a lifetime in the cattle
business. Being a livestock “trader” seems
to be a family legacy, part of the family
bloodline. His grandfather and his father
traded mules and cattle, providing mules
for farmers and people in the logging
business. In 1927, brothers Ned (Ned
Ray’s father) and Homer Purtle started
raising cattle in Nevada County. Later,
after moving to Clark County, his dad
added cotton farming to the family
business.
In discussing a lifetime devoted to
the ranching business, Ned Ray seems
surprised when asked what the family
legacy is. “I guess I’ve never thought
about it in that way. I’ve always lived on
a farm and always had cattle,” he replied.
“I never had an option. It’s always what I
wanted to do.”
The “no option” was self-imposed.
Young Ned Ray started showing steers at
the Arkansas State Fair when he was 10
years old. He lived and breathed raising
cattle. By age 13, he had a champion
steer. When it came time to go to
college, he went to nearby Southern
Arkansas University for a year and a half,
all the while still raising steers to show
at the fair. He then decided to transfer to
Oklahoma A&M (now Oklahoma State
University) because the school had an
excellent livestock judging team. So he
headed to Stillwater, Okla. to pursue a
degree in animal science.
That led to another lifetime love –
judging livestock competitions at county
and state fairs. He eventually became the
livestock superintendent for the Arkansas
State Fair and has spent the last 52 years
on the state fair’s board of governors.
As health concerns have recently
slowed Ned Ray down just a bit in trying
to manage his 1,000-acre ranch near
Hope, he turned to his 40-year-old son
Mike to see if he wanted to carry on
the Purtle livestock legacy. (Ned’s other
son, Steve, works as a Honda ATV and
motorcycle dealer in Russellville.)
“The hardest thing to do is to step
back when you know you can’t do it
anymore,” Ned Ray said.
Mike had always enjoyed working
on his dad’s farm and had even farmed
fulltime for a couple of years before
leaving to establish his own business as
an excavating contractor. Mike says the
“time was right” to come back to the
cattle-raising business.
“It’s something I wanted to do,” he
said. “Now I can do it the way I want to.”
Mike also has 320 acres of his own where
he runs cattle and still maintains his dirt-
moving business.
The way he wanted to do it included
managing some of the farm for wildlife
in the Wetlands Reserve Program. Mike
loves to hunt ducks and deer. He also
decided to grow wheat haylage. The
sweet-smelling feed really came in handy
during last year’s drought-caused hay
shortage.
Looks like the multi-generational
cattle business will continue.
“I’m really proud of him,” said Ned
Ray, a satisfied smile settling across his
face.
Father to son Ned Ray Purtle (right) and his son Mike raise cattle on more than 1,300 acres.
by Gregg Patterson
�
Blood tradersKeeping the farm in the family
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T
Spring savings Starting your own vegetable and fl ower seedlings is a fun way to get a jump start on your spring garden while saving money.
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Arkansas Farm Bureau’s Mission• advocate the interests of agriculture in the public arena;
• disseminate information concerning the value and importance of agriculture; and
• provide products and services which improve the quality of life for our members.
There are more than 6 million
Farm Bureau member-families in the
United States, with more than 210,000
member-families in Arkansas.
www.arfb.comwww.facebook.com/ArkansasFarmBureau
twitter.com/ARFBwww.youtube.com/arkansasfarmbureau
F R O N T P O R C H I arfb.com22
WWhether your kids get paid for
doing odd jobs around the house or are
already holding down a real job, it’s
always time well spent to teach them
money management skills.
“It’s never too early to begin
teaching children the basics of fi nance,”
said Farm Bureau Bank Chief Financial
Offi cer Tom Jaeger. “We encourage
parents to expose their children to
experiences like visiting a fi nancial
center, online banking, budgeting and
paying bills.”
Understanding what money is all
about is the very fi rst step in learning
about money and fi nance. Life’s
fi nancial lessons are best learned by day-
to-day experiences, such as:
• On payday Discuss how your
pay is budgeted to pay for
housing, food and clothing, and
how a portion is saved for future
expenses such as college tuition
and retirement.
• At the grocery store Explain
the benefi ts of comparison
shopping, coupons and store
brands. This has proven to be
a very practical way to teach
children how to save money.
• Paying bills Explain the many
ways of how to pay bills: over the
phone, paper or electronic checks.
Discuss how each bill-pay method
takes money out of your account
and how to track it. Be sure to
cover late penalties, emphasizing
the importance of paying bills on
time.
• Using credit cards Explain that
credit cards are a loan and need
to be repaid. Share how each
month a credit card statement
comes in the mail with a bill. Go
over the features of different types
of cards, such as ATM, debit and
credit cards.
• How to save A fi nancial rite of
passage, opening a bank account
for your kids will give them a
sense responsibility, pride and
ownership, especially when
they experience the power of
compounded interest fi rst hand.
Children are quick to understand the
value of money, so get them involved in
your family fi nances now to give them
the fi nancial acumen necessary to make
sound fi nancial decisions throughout
their lives. For many families, talking
about money goes unmentioned. The
adults make it, the kids ask for it, end
of story. Yet fi nancial experts agree
that understanding cash, credit and
consumerism is possible and important
for building a sense of fi nancial
responsibility in children. Help your
children learn the importance of saving
and spending money wisely.
Financial education is a key to
success for any family. One way you can
help your children learn the importance
of saving and spending money wisely is
by opening a Farm Bureau Bank deposit
account. With their own account,
your child can view each deposit or
withdrawal on monthly statements or
online via the Internet banking system.
For more information on Farm
Bureau Bank deposit accounts or all the
fi nancial products Farm Bureau Bank
offers, please contact your local Farm
Bureau agent or visit farmbureaubank.
com today.
BuildingWealth
�
by Allyson Hamlin
Dollars and sense The grocery store is a great place to teach your children about comparative price shopping, using coupons or taking advantage of sales to buy comparative price shopping, using coupons or taking advantage of sales to buy important food and home items.important food and home items.
Teaching fi nances to America’s futureStart now teaching the basics with your children
23F R O N T P O R C H I arfb.comArkansas AgricultureArkansas Agriculture
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call 1-877-673-3688
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www.FBApparel.comfor special requests and details contact
John Speck847-622-4892
Arkansas Farm Bureau
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Have your Farm Bureau Membership number and discount code CUO88430 in your email, or ready if calling.
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Call 1-866-556-9661, have your Farm Bureau membership number available when you call.
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LOANS
1-800-492-3276 www.farmbureaubank.com
Save up to 20% off at Participating Choice Hotels
Call 800-258-2847 Mention your State ID# 00223030
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Arkansas Farm BureauPurchase Program We make it ~ easy ~ to purchase the latest appliances for your home, particularly if you are remodeling or relocating.
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3 Easy Steps for Farm Bureau Members Step 1: Members simply go to sears.com and find the product(s)
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F R O N T P O R C H I arfb.com24
TThis recipe is an amalgamation like
many of my favorites. I’ve tried several
smoked trout dips and combined what I
like or added something new. You can,
too. One thing is certain. No matter how
big a batch I make, it’s never enough.
I’ve never had leftovers. The combination
of the cracker, cucumber and dip elicits a
crunchy, cool and creamy blending that
makes your taste buds and tongue savor
the textured, spicy, foggy cool, smoky
fl avor.
by Gregg Patterson
Spicy pecan-shell smoked trout dipYou can’t make enough of it
InTheKitchen
Keith
Sut
ton
Smoky good Want to know how to smoke trout? Go to tastearkansas.com
to learn how to prepare pecan-shell smoked trout.
Spicy Smoked Trout Dip
Ingredients
Smoked meat from two whole 10- to 12-inch trout
8-ounce container of spreadable cream cheese
Juice of ½ lemon
2 tablespoons Louisiana Hot Sauce
⅔ cup mayonnaise
Lawry’s Seasoned Salt, or similar seasoning, to taste
3-4 fresh dill sprigs, chopped
4 green onion sprouts or one small mild onion, chopped
Paprika
Chives
Cucumber
Instructions
Pick the meat from two whole smoked trout, discarding
bones and skin. Mash meat with a fork in a serving bowl. Add
mayonnaise and cream cheese and mix thoroughly. Chop dill
and onion, and add along with lemon juice, hot sauce and
seasoning. Mix thoroughly. Cover with plastic wrap and chill
overnight in refrigerator, allowing fl avors to mingle and set.
Peel and slice one cucumber. Grab your favorite cracker.
Add the cucumber slice to it and a dollop of the trout dip.
Top it off with a dusting of paprika and bits of fresh cut
chives and enjoy! Bet you can’t eat just one. �
Keith
Sut
ton
25F R O N T P O R C H I arfb.com
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200 varieties of Fruit and Nut Trees plus Vine
and Berry Plants.
Ison’s NurserySince 1934
PO Box 190PO Box 190
a
Ison’s NurseryIson’s Nursery
Grower Direct
Papabi l lswhiter iverguide.webs.com479-477-0335
*Fishing Licenses Available at the Dock*
*Boat Guided by Experience Fisherman Papa Bill*1/2 day rate per boat $175 Two Adults*All inclusive; Boat, Motor Tackle, Rods, Bait, & Lunch!*Over-Night Cabin on the White River Available
F R O N T P O R C H I arfb.com26
AA friend, removing a tick on his arm,
noted, “The only good thing about ticks is
they don’t get as big as grizzly bears.”
He’s right. We’re fortunate ticks are
small, because these arachnids love human
blood. Tick bites seldom cause ill effects,
but ticks sometimes transmit Lyme disease,
Rocky Mountain spotted fever, tularemia
and other illnesses.
The fact that ticks are small acts against
us in this case. If a tick remains undetected
and attached several hours, the possibility of
disease transmission soars.
Ticks that carry diseases include the
American dog tick, brown dog tick, Lone
Star tick and Rocky Mountain wood tick.
The black-legged tick, however, (better
known as the deer tick) is most likely to
transmit Lyme disease.
Ticks attached at least 36 to 48 hours are
most likely to transmit Lyme disease. Bites
of tiny, immature ticks called nymphs cause
most infections. Adult ticks also spread
Lyme disease but are much larger (the size of
apple seeds) and more likely to be re moved
before causing illness.
A circular rash at the bite site indicates
a possible Lyme disease infection. This may
grow to 12 inches across and usually has a
bull’s-eye appearance. Victims experience
fatigue, chills, fever, aches and swollen
lymph nodes. Untreated, the infection may
spread, causing facial palsy, shooting pains,
heart palpitations and dizziness. After several
months, about 60 percent of untreated
patients experience arthritis, with severe
joint pain and swelling. Some develop
chronic neurological complaints months to
years after infection, including numbness in
hands or feet and short-term memory loss.
Antibiotics usually cure Lyme disease
if treatment starts early. However, some
patients have symptoms lasting years even
after treatment.
Fortunately, there are several ways to
prevent tick bites and reduce risk of tick-
borne illnesses.
• Use a DEET or permethrin-based
insect repellent when outdoors.
Repellents containing DEET repel
ticks several hours and are safe
for use on skin and clothing if
you follow label directions and
precautions. Permethrin products
such as Permanone and Duranon
kill ticks on contact for several days
when used to treat clothing, shoes,
tents, sleeping bags and chairs, but
don’t use permethrin products on
the skin. Follow label directions.
• In areas likely to harbor ticks, wear
long pants with the cuffs tucked in
socks to prevent ticks from crawling
up inside pant legs. Consider
wrapping duct tape around your
ankles, over the top of your socks.
Keep your shirt tucked in your
waistband, too. Wear light-colored
clothing, so it’s easier to see ticks
crawling on you.
• When possible, avoid brushing
against vegetation or traipsing
through leaf litter.
• Inspect for ticks after being
outdoors. Check pets, too. Remove
ticks you find, paying special
attention to armpits, groin, waist,
ears, belly button, backs of knees
and scalp.
While tick bites can cause problems,
those problems are relatively rare. Don’t
stop enjoying the outdoors, because you’re
fearful of tick bites. Just protect yourself
with tick repellents, and check for ticks after
being outside.
An ounce of prevention The black-legged tick, or deer tick, is responsible for the spread of Lyme disease in Arkansas and other parts of the U.S. Insect repellents containing DEET or permethrin effectively ward off ticks for several hours.
Keith
Sut
ton
�
by Keith Sutton
Health&Safety
Facts about ticks and Lyme diseaseEnjoy the outdoors, but protect yourself
USD
A
27F R O N T P O R C H I arfb.com
Any insurance company can offer “discounts”. But with us, you talk with your local agent face to face. That way, you know you’re getting the premium discounts you qualify for, from day one. And you know we’ll check for more discounts every 6 months. That’s why our customers stay happy. And we think you will, too. Call today.
Real service. Real people.
*Not all discounts are subject to semi-annual automatic review.*Discounts may vary, and do not apply to life insurance products.
More service. Same auto discounts.
www.afbic.com
Farm Bureau Mutual Insurance Co. of Arkansas, Inc.Southern Farm Bureau Casualty Insurance Co.Southern Farm Bureau Life Insurance Co., Jackson, MSAR
AUPR
4159
6
Actual length of replica is 8½"
A Limited-Edition 1:16-Scale Die-Cast Model ‘L’ Tractor
Offi cially licensed by John Deere
365-day, money-back guarantee• •
Handcrafted in the collector’s preferred 1:16 scale
SP
INE
/BIN
D E
DG
E/G
UT
TE
R
-BXX (7x10-Master temp)
CYAN MAGENTA YELLOW BLACK
RIP & SHIPHamilton Collection Proces PageHamilton #09-03624-001-BI2 WO# xxxxx A.D.:AN
10⅞ 1013/16
10¾
10½
8⅜
8¼
8⅛
87⅞
7¾
7⅝
10⅞ 1013/16
10¾
10½
8⅜
8¼
8⅛
87⅞
7¾
7⅝
10⅞ 1013/16
10¾
10½
8⅜
8¼
8⅛
87⅞
7¾
7⅝
8⅜
8¼
8⅛
87⅞
7¾
7⅝
10⅞ 1013/16
10¾
10½
Easy-to-handle and powerful for its size, the John Deere Model “L” tractor was a solid choice among farmers when it was fi rst introduced in the late 1930s.
Now you can own this vintage favorite with the “John Deere 1937 Model ‘L’ Tractor,” a 1:16-scale die-cast replica, licensed by John Deere and available through this exclusive offer from The Hamilton Collection.
You’re sure to be impressed by the incredible detail including the Herculesengine, authentic scale L-2 one-bottom plow, John Deere signature colors, hand-applied graphics and more.
Your “John Deere 1937 Model ‘L’ Tractor” is available for three convenient, interest-free installments of $30.00,* with only your fi rst payment due prior to shipping. Plus, it’s fully protected by our incredible 365-day, money-back guarantee. If you aren’t entirely satisfi ed, return it within a year and receive a complete refund — including shipping and service.
The Model “L” tractor is highly collectible, so we expect strong demand. Order now.
A True Collector’s Item!09-03546-001-BI3
YES! Please accept my order for the “John Deere 1937 Model ‘L’ Tractor” for me as described in this announcement.
Name_________________________________________
Address_______________________________________
City________________________State_____Zip______
Signature______________________________________
(Please print clearly.)
Please Respond Promptly
09-03546-001-E40111
9204 Center For The Arts Drive, Niles, Illinois 60714-1300
MAIL TO:
©2012 HC. All Rights Reserved.Facebook is a registered trademark of Facebook, Inc.
All orders are subject to credit approval and product availability.
Allow 6 to 8 weeks after initial payment for shipment.Send no money now. *Add a total of $13 for shipping & service.
Deliveries to FL and IL will be billed appropriate sales tax.
HamiltonCollection.com/tractor
Picture this!
Dust off your cameras and take part in Rural Reflections, FB’s Front Porch photo contest.
F arm Bureau members now have the opportunity to spotlight their creativity, their perception and their flair for the dra-matic — or the comical or even the tragic — in Front Porch’s
third Rural Reflections Photo Contest.This competition offers amateur photographers the chance to ex-
plore the many activities, seasons, triumphs, disappointments and faces of agriculture, our state’s key industry. The photos that win this competition will capture the image and spirit of agriculture, and Farm Bureau, in Arkansas.
The contest includes two divisions, High School (ages 14–18) and Adult (19 and older). The winner of each receives $250. In ad-dition, one entry will receive a Grand Prize of $500. The winners and honorable mentions may have their works published, with credit, in Front Porch and Arkansas Agriculture magazines, on Farm Bureau’s website, www.arfb.com, and in other publications.
Arkansas Farm Bureau has the final decision on any and all questions or concerns regarding rules, judging, eligibility, prizes awarded or anything else that may arise pertaining to the Rural Reflections Photo Contest.
RULES
• Any photo taken between Jan. 1, 2012 and Oct. 31, 2012 may be entered.
• Files must be high-resolution jpegs (at least 300 dpi).
• Each entrant may enter only one photo.
• Enter by uploading your photo at: http://www.arfb.com/programs_activities/contests/photo_gallery.aspx.
• All entries must be submitted by midnight Oct. 31, 2012.
• The Rural Reflections Photo Contest is open to members of Arkansas Farm Bureau and their immediate families. Employees of Farm Bureau, its affiliated companies and service companies are not eligible.
• Winning or honorable-mention photos also may be published on Arkansas Farm Bureau’s website, www.arfb.com, and in other Farm Bureau publications, as appropriate.
Actual length of replica is 8½"
A Limited-Edition 1:16-Scale Die-Cast Model ‘L’ Tractor
Offi cially licensed by John Deere
365-day, money-back guarantee• •
Handcrafted in the collector’s preferred 1:16 scale
SP
INE
/BIN
D E
DG
E/G
UT
TE
R
-BXX (7x10-Master temp)
CYAN MAGENTA YELLOW BLACK
RIP & SHIPHamilton Collection Proces PageHamilton #09-03624-001-BI2 WO# xxxxx A.D.:AN
10⅞ 1013/16
10¾
10½
8⅜
8¼
8⅛
87⅞
7¾
7⅝
10⅞ 1013/16
10¾
10½
8⅜
8¼
8⅛
87⅞
7¾
7⅝
10⅞ 1013/16
10¾
10½
8⅜
8¼
8⅛
87⅞
7¾
7⅝
8⅜
8¼
8⅛
87⅞
7¾
7⅝
10⅞ 1013/16
10¾
10½
Easy-to-handle and powerful for its size, the John Deere Model “L” tractor was a solid choice among farmers when it was fi rst introduced in the late 1930s.
Now you can own this vintage favorite with the “John Deere 1937 Model ‘L’ Tractor,” a 1:16-scale die-cast replica, licensed by John Deere and available through this exclusive offer from The Hamilton Collection.
You’re sure to be impressed by the incredible detail including the Herculesengine, authentic scale L-2 one-bottom plow, John Deere signature colors, hand-applied graphics and more.
Your “John Deere 1937 Model ‘L’ Tractor” is available for three convenient, interest-free installments of $30.00,* with only your fi rst payment due prior to shipping. Plus, it’s fully protected by our incredible 365-day, money-back guarantee. If you aren’t entirely satisfi ed, return it within a year and receive a complete refund — including shipping and service.
The Model “L” tractor is highly collectible, so we expect strong demand. Order now.
A True Collector’s Item!09-03546-001-BI3
YES! Please accept my order for the “John Deere 1937 Model ‘L’ Tractor” for me as described in this announcement.
Name_________________________________________
Address_______________________________________
City________________________State_____Zip______
Signature______________________________________
(Please print clearly.)
Please Respond Promptly
09-03546-001-E40111
9204 Center For The Arts Drive, Niles, Illinois 60714-1300
MAIL TO:
©2012 HC. All Rights Reserved.Facebook is a registered trademark of Facebook, Inc.
All orders are subject to credit approval and product availability.
Allow 6 to 8 weeks after initial payment for shipment.Send no money now. *Add a total of $13 for shipping & service.
Deliveries to FL and IL will be billed appropriate sales tax.
HamiltonCollection.com/tractor
Great rates For theopen road ahead!
Existing Farm Bureau Bank recreational loans are excluded from this offer.*Rate disclosed as Annual Percentage Rate (APR) and is based on automated payments (ACH) and acquiring one of the following collateral protection products: Guaranteed Asset Protection (GAP), Debit Cancellation (DC) or Major Mechanical Protection (MMP). Additional discounts do apply for purchasing more than one collateral protection product. The advertised APR of 3.99% is effective as of 10/14/2011. Final APR may differ from the loan interest rate due to additional fees (such as a loan documentation fee) which may be applicable. Suppose you borrow $19,000 and there is a $50 documentation fee for a total loan of $19,050, with an interest rate of 3.99%, the calculated APR for a 60 month loan with a 45 day first payment date would be 4.10%, with payments of $351.32. To qualify for the disclosed rate, customer must be a Farm Bureau member. Finance charges accrue from origination date of the loan. Rates and financing are limited to vehicles models 2005 and newer. All loans are subject to credit approval, verification, and collateral evaluation. Other rates and financing options are available. Non-member rates may be 1-3% higher than posted rates. This offer is not available in all states and rates are subject to change without notice. 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. NY, 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.
Arkansas members! Lower your rate and save with a Farm Bureau Bank vehicle loan. New and used vehicle loans from Farm Bureau Bank feature competitive rates, flexible terms and affordable protection plans. Check out our special Farm Bureau member rates and competitive financing on motorcycles, boats, RVs, ATV and other recreational vehicles.*
Contact your local Farm Bureau office to apply today!