Nevada Farm Bureau
Volume 64, Number 7 July 2013
Agriculture & Livestock Journal
Queso Fresco at Sand Hill Dairy Local... Fresh... Natural... Safe. These words are common when food discussions arise. The objective of many consumers is to buy local food from local farms. Isidro Alves owner of Sand Hill Dairy in Fallon, NV started making Queso Fresco in mid April. Queso Fresco is a Mexican cheese, translated as “Fresh Cheese” - made today, eat tomorrow. The cheese is being sold throughout Northern Nevada at local grocery stores and farmers markets. Sand Hill Queso Fresco is the only farmstead cheese being made in Nevada. Queso Fresco has only two ingredients, milk and salt. With only two ingredients the process may seem easy, but in reality it isn’t. Every batch of cheese needs to be the same. The texture, taste, and appearance cannot change from one batch to another. Quality control is really important to Alves. Not only is the quality of the cheese important, but food safety comes first. The cheese leaving Sand Hill Dairy is safe. “The cheese leaving Sand Hill Dairy is fresh, safe, and all natural,” said Alves. “The quality of the cheese is the same every time we make it.”
Food Safety
Prior to making cheese, Sand Hill Dairy had to go through a series of steps to be able to sell the cheese for public consumption. Because the cheese is farmstead, made on the farm, Sand Hill is basically a processing facility for their own raw milk. One step in getting certified was that the dairy had to be certified to run antibiotic testing on their own milk. Dairy processing facilities such as Model Dairy must run antibiotic tests on the milk, which is done prior to the milk entering their holding tanks. Sand Hill runs the same test prior to the milk entering the vat/pasteurizer. In addition to being certified to run antibiotic tests, Alves had to purchase “properly constructed equipment” to be able to sell the cheese. This equipment included a pasteurizer. In Nevada, in order to sell soft cheese the milk needs to be pasteurized.
After the curds are hung to let excess whey drip, the cheese is put through a grinder. Here Isidro Alves is putting the cheese through the grinder to create a smoother texture.
Continued on Page 3
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(ISSN 0899-8434) (USPS 377-280) 2165 Green Vista Dr. Suite 205 Sparks, NV 89431 Phone: (775) 674-4000 Fax: (775) 674-4004 Publisher: 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.
July 2012 | Page 2 | www.nvfb.org
Sand Hill Dairy is required to keep records of the temperature that the milk is required to be at for pasteurization. The Nevada Dairy Commission checks the dairy’s records quarterly. The cheese is also subject to safety testing. The cheese is tested for salmonella, listeria, and E. Coli.
Cheese Making Process
Raw milk is sent directly into the kitchen where the vat/ pasteurizer is housed. The vat/pasteurizer is a dual purpose piece of equipment. In the vat/pasteurizer the raw cow milk is heated to 145 degrees for pasteurization. After the milk is pasteurized, Cheese maker Gabriel Hernandez adds salt and puts vegetable rennet is added. Rennet causes the milk to the cheese into molds. The final process is to package coagulate and form curds. During this process the curds are the cheese. separated from the whey. The curds are then cut and scooped from the vat to a cheese cloth lined bucket. The curds are then hung so extra whey can drip out. The next step in making Sand Hill artisan Queso Fresco is unique to their cheese making. The curds are put through a grinder. After going through the grinder the cheese will have a smoother texture. This process is a technique brought forth by cheese maker Gabriel Hernandez. Hernandez’s grandmother taught him how to make cheese in Mexico decades ago. After the cheese goes through the grinder salt is mixed in. There are no measuring cups, there is no recipe. Tasting the product and years of experience create a quality product every time. Sand Hill Queso Fresco is true artisan cheese. Alves has also recently added two flavors to the original Queso Fresco. The new flavor uses Provence Herbs, a blend of basil, rosemary, thyme, tarragon, oregano, fennel and lavender. The other new flavor is a hot pepper blend.
Purchase Sand Hill Farmstead Cheese at the following Northern Nevada Farmers Markets and Retail Locations Farmers Markets
Fallon Tuesday Night Farmers Market 310 South Taylor St., 5-8PM 3rd & Curry St. Farmers Market - Carson City Saturdays 8:30AM - 1:30PM Kahle Park Farmers Market (Begins July 13) Stateline, NV Fridays 4-7PM
Retail Locations
Fallon Main Street Cafe Rincon Latino Market Skips Market Fernley El Tepyiac Market Casa Del Sol Market
Reno Great Basin Food Co-op Yerington La Chapala Isidro and Heather Alves with their two boys Brady and Brenan selling Sand Hill Queso Fresco at the Fallon Tuesday Night Farmers Market.
July 2012 | Page 3 | www.nvfb.org
Nevada Farm Bureau Joins Legal Challenge to Unions’ Margin Tax Initiative Filed Carson City, NV — The Committee to Protect Nevada Jobs filed a lawsuit against the “Education Initiative” (margin tax Initiative) charging that the Initiative’s Description of Effect is deceptive and incomplete and that the Initiative violates the single-subject rule. “From the title on down, the Initiative is deeply flawed and misleading,” said Josh Hicks, of Brownstein Hyatt Farber Schreck, attorney for the Committee to Protect Nevada Jobs. “The Initiative has nothing to do with education and includes many aspects that are not mentioned in the Initiative’s description. We believe that as written, this Initiative violates Nevada law.” The complaint notes that the 26-page “Education Initiative” mentions education only once in its Description of Effect and that it makes no provision for requiring that education funding be increased over current levels by “even a penny.” The complaint also notes that the Petition’s terms allow for a decrease in classroom funding, which would be an “unpleasant surprise” to Nevadans who sign it. Instead, the Initiative imposes a margin tax on businesses and increases the size of the Nevada Department of Taxation, a multimillion dollar government agency, to administer and audit the new tax. “The Petition’s title and description of effect will confuse Nevada voters and mislead them into signing a petition that does not do what it purports to do and that does do many things that are hidden from view,” Hicks states. As an example, Hicks noted that the Description of Effect makes no mention that taxpayer information will be posted on the Internet in clear violation of taxpayer privacy rights guaranteed by Nevada law since 1979. In addition, the Complaint notes that the Description does not mention that even unprofitable and failing businesses that are losing money will still be subject to the tax and that “an increased taxation on failing businesses is certainly not going to improve the unemployment rate.” “Quite clearly, this Initiative is designed solely to increase general tax revenues and to take advantage of citizen’s concerns about education in order to mislead them into signing the petition and, later, into voting for it,” Hicks states. “Nevada law is quite clear in prohibiting such deceptions.”
The Committee to Protect Nevada Jobs is supported by a variety of Nevada organizations including: Nevada Taxpayers Association; Retail Association of Nevada; Charles Baird; Las Vegas Chamber of Commerce; The First National Bank of Ely; Nevada Farm Bureau Federation; The Chamber; Nevada Manufacturers Association; Nevada Bankers Association; Nevada Petroleum Marketers Association; Nevada Franchised Auto Dealers Association; National Federation of Independent Business ; Nevada Trucking Association; Financial and Intangible Assets Enterprises of Nevada ; Las Vegas Sands Corporation; and Keystone Corporation.
Nevada Farm Bureau’s Position
Nevada Farm Bureau is one of the organizations involved in the petition against the margin tax initiative. Nevada Farm Bureau Executive Vice President Doug Busselman said, “Our reason for joining the coalition is because Farm Bureau policy clearly states that we oppose new taxes. Furthermore, in these economic times, this is not the time for Nevada businesses to be subject to new taxes.” Farms and ranches are businesses too. When a schedule F is filed with the IRS, those farms and ranches are subject to the same tax increases as all Nevada businesses. Nevada Farm Bureaus’s number one priority is to protect the rights of Nevada farmers and ranchers, creating an additional tax for them is not good for Nevada and the agricultural industry. Privacy is also an issue when discussing the new proposed tax. The amount of tax paid by businesses would become public information. Nevada taxpayer information would be posted on the Internet which is a clear violation of Nevada law. Nevada Farm Bureau is committed to working with the coalition and protecting the rights of farmers and ranchers. The goal of the AFL-CIO and Teachers Union is to create a new tax and increase the size of the Nevada Department of Taxation. Their initiative has nothing to do with education and is very misleading. Those interested in financially supporting the effort to counter the Unions’ Tax Initiative can send their contribution check(s) to: The Committee To Protect Nevada Jobs 410 South Minnesota Street Carson City, NV 89703
July 2012 | Page 4 | www.nvfb.org
New Off-Highway Vehicle Law Goes Into Effect July 1 In 2009, lawmakers approved a law, SB 394, which would require ATVs and other off-highway vehicles (OHV) to be registered with the Nevada Department of Motor Vehicles (DMV). The annual registration fee will be $20. As of July 1, 2012, newly purchased ATVs and off-road vehicles will have to be registered at the DMV. Previously purchased vehicles will not have to be registered until July 1, 2013.
Farm Bureau’s Involvement
In 2009, Nevada Farm Bureau supported the bill to impose the registration fee on OHVs. There were several reasons why Nevada Farm Bureau supported the measure. • Agricultural Exemption • Fees from the registration would go to support public lands and off road trails • Farmers and ranchers would be able to report OHVs that were deliberately causing harm to Nevada’s public lands and/or to their private property.
Nevada Farm Bureau Executive Vice President Doug Busselman said, “We supported the change in OHV registration, which would provide proper identification on OHVs, to help protect our natural resources from abuse by irresponsible users.”
Agricultural Exemption
The law clearly states that off-road vehicles used on a farm/ranch will be exempt from registration. NRS 490.080 states, “Is used solely for husbandry on private land or on public land that is leased to the owner or operator of the off-highway vehicle.” If the OHV is used solely for farm/ranch use it is considered a piece of farm equipment. OHVs will remain non-taxable for the state’s sale & use tax and will not be required to participate in the annual registration. If the ATV or other vehicles used in an agricultural scenario are used for purposes other than agricultural then that vehicle will be subject to registration. Fines for failure to register the off-highway vehicle is $100.
July 2012 | Page 5 | www.nvfb.org
Farmers Try to ‘Stop the Flood of Regulation’ By Erin Anthony Growing up, we all needed guidance at times. Don’t run with scissors. Don’t forget your jacket. Don’t eat yellow snow. If you make that face one more time, it might get stuck like that. But, as adults, not all guidance is helpful or benevolent. That is particularly true if the guidance is coming from a government regulatory agency. Take, for example, the Environmental Protection Agency’s effort to expand its regulatory reach under the Clean Water Act to nearly every drop of water, and some dry land, too. Through what’s officially known as a “guidance document,” EPA and the Army Corps of Engineers are seeking to remove the word “navigable” from the Clean Water Act. That action would allow them to regulate even a roadside ditch that holds water for only a few hours after a big rain. Both agencies have been upfront about their intent to use the guidance process to increase their regulation of water bodies and lands that have been under the states’ regulatory authority. Another issue is the way the agencies are going about it. They’re using a guidance document, rather than going through a proper rule-making. Formal rule-making allows input from farmers, ranchers and other landowners—the people who would be flooded with an expensive slew of new regulations and permitting requirements should the guidance document be put in place. Along with farmers, ranchers and other landowners, there are another 544 people EPA and the Corps are ignoring: 535 U.S. senators and representatives and nine Supreme Court justices. The lawmakers who wrote the Clean Water Act never intended for the federal government to have the kind of control it is seeking over local bodies of water. Similarly, in two rulings, the Supreme Court affirmed important limitations of the federal government’s jurisdiction under the Clean Water Act. Having to get another permit doesn’t sound like that big of a deal, but at $30,000 to well over $100,000 for some permits, these requirements sometimes force growers to avoid farming otherwise productive acreage just so they don’t trigger federal permit and extremely costly mitigation requirements. But in most parts of the country, it would be just about impossible to farm around every wet spot that EPA and the Corps want to regulate. To dry up EPA’s effort, Farm Bureau has launched the “Stop the Flood of Regulation” campaign. As part of the campaign, farmers and ranchers are asking their senators and representatives to support the Preserve the Waters of the U.S. Act (S. 2245 and H.R. 4965), which would prevent EPA from taking action through this guidance document. They also will be sharing their stories of regulatory inundation through social media platforms. Look for the #stoptheflood hashtag on Twitter. And a Facebook page will give farm and ranch families a platform for sharing how this guidance effort might affect them. There is no doubt; without action, a flood of federal regulations appears imminent. Many of our nation’s farms and ranches could find themselves awash in new, expensive and unwarranted regulations—even if the cause of those regulations is an inch-deep puddle following a downpour. Long after the puddle dries, the effect of the regulations could linger.
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EPA Updates to Air Quality Standards Concern Farmers WASHINGTON, D.C.—The Environmental Protection Agency recently proposed updates to its national air quality standards for both coarse and fine particulate matter. EPA proposed no changes to its standards for coarse particles, which include dust commonly generated by typical farming practices and driving on unpaved rural roads. “Although we’re pleased with EPA’s decision not to propose changes to its standards for coarse dust particles at this time, there’s much more to this story,” said AFBF President Bob Stallman. “We remain concerned that the final rule EPA will publish later this year could look very different from the initial proposal.”
EPA is expected to publish a final rule on its National Ambient Air Quality Standards in December. The Clean Air Act requires EPA to review ambient air quality standards every five years. “America’s food producers—farmers and ranchers—need stability and certainty regarding government regulations, which is why Farm Bureau supports the Farm Dust Regulation Prevention Act,” said Stallman. The Farm Dust Regulation Prevention Act, which would exempt agriculture from EPA regulations, was passed by the House but has not been brought up for consideration in the Senate.
Use Science In Regulating Antibiotics, Agriculture Coalition Says WASHINGTON, D.C.– A coalition of agricultural organizations sent a letter yesterday to Rep. Louise Slaughter, D-N.Y., who is seeking to restrict severely antibiotic use in livestock and poultry production, pointing out the stringent federal approval process and regulation of antibiotics, the lack of human health risks from their judicious use in livestock production and the benefits they offer in food animal production. Members of the coalition include the American Farm Bureau Federation, American Feed Industry Association, American Meat Institute, Animal Health Institute, American Veterinary Medical Association, National Cattleman’s Beef Association, National Chicken Council, National Milk Producers Federation, National Pork Producers Council, National Meat Association and the National Turkey Federation. Slaughter in February asked food companies to submit to her by June 15 their purchasing policies related to antibiotic use in food animals. She is the primary author of the “Preservation of Antibiotics for Medical Treatment Act” (H.R. 965), which seeks to ban the use in livestock
and poultry production of several classes of antibiotics employed for preventing and controlling diseases and for promoting nutritional efficiency. “Antibiotic used in veterinary medicine are reviewed and approved by the U.S. Food & Drug Administration (FDA),” the coalition stated in its letter. For animal antibiotics, the safety assessment is more stringent than that for human antibiotics in three ways: 1) If there are risks to humans, FDA will not approve the antibiotic for animals; 2) FDA requires a food safety assessment to ensure meat is safe; and 3) FDA studies the pharmaceutical thoroughly to guarantee it does not increase the risk of antibiotic-resistant bacteria in food. The coalition further explained that FDA recently issued new regulations that effectively prohibit the use in food animals of “medically important” antibiotics for improving nutritional efficiency. The rules also ensure veterinarians will be involved in overseeing all uses of these products. The coalition cited several published, peer-reviewed risk assessments showing any threat to human health July 2012 | Page 7 | www.nvfb.org
from antibiotic use in livestock and poultry production is negligible, and pointed out many of the bacterial illnesses becoming resistant to antibiotics in human medicine have little or no link to antibiotic use in food animals. Finally, the coalition cited some of the benefits of judicious antibiotic use in livestock and poultry. “The careful use of antibiotics to keep animals in top health is an important first step in providing the safest possible meat supply,” the letter said. “All public health professionals, including veterinarians, are serious about reducing the risks of antibiotic resistance and are working to minimize those risks,” they wrote. “It is vital that public policy decisions about the use of these products be made on the basis of science and risk assessment.” When it comes to their use in livestock and poultry production, concluded the coalition, “The research is clear that the contribution of using antibiotics in food-animal production to the human burden of antibiotic resistance is quite small, if it exists at all.”
Lyon 4-H’ers get a jump on their college careers UNR college hosts high school students interested science, math pursuits By Robert Mills
L
yon County students from Smith Valley and Yerington high schools immersed themselves in the future of science recently. The daylong visit to UNR’s College of Science was part of the Engaging Youth Serving Community Program, which promotes 4-H STEM (Science, Technology, Engineering, Math) education. The 46 freshmen, sophomores, juniors and seniors all expressed an interest in the field of science. Some already said they plan to enter the medical and dental school. Dean Jeff Thompson of the College of Science welcomed the visiting group with an opening inquiry. “How many of you know what you’re going to be doing in five years?” Thompson asked, and several hands in the room shot up. “How many of you know what you’ll be doing in 10 years?” Several students’ hands stayed up, and the dean responded with a hearty laugh. “That’s a lot better than me,” he said smiling. One solid piece of advice from the dean: take the difficult math classes as soon as possible. “Classes like pre-calculus, calculus and physics will prepare you for the college-level courses you’ll need in order to get into graduate and professional schools,” he said. Jessica Angle of the University of Nevada Cooperative Extension (UNCE) Lyon County 4-H Engaging Youth
Serving Community program said the visit is a great opportunity for students to pique and maintain their interests in the fields of math and science. “All of these kids have really bright futures ahead of them,” Angle said. “Some of them know they want to be doctors, nurses and dentists already. This was a great opportunity for these youth to visit UNR and interact with faculty and university students from the College of Sciences. The youth really enjoyed the one-on-one discussions, and hands-on tours.” Following a conversation with the dean, students toured labs and experiment stations relevant to their interests. They had the opportunity to meet with professors and plan their next steps. Advisors stressed the students take their SAT and ACT tests seriously and frequently to assure they’re placed in the right English and math courses at the start of their college careers. The College of Science in the Davidson Math and Science Center at the south side of UNR’s campus encompasses research fields such as atmospheric science, biology, chemistry, geography, geophysics, hydrology, mining engineering, land-use planning, physics and neuroscience. UNCE’s 4-H STEM program encourages students to pursue study in the fields of math and science. The 4-H STEM program’s extracurricular and after-school programs – including projects relating to Department of Energy, Community Readiness Network, New Faces New Places, 4-H Robotics, and Rockets Away – has reached more than 5.9 million youth nationally.
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Applications: • Mainline for irrigation systems • Water transport lines • Construction applications • Effluent systems 13 -- 10” x 40’ - $124 each 31 -- 10” x 30’ - $164 each Smith Valley - Call 775-465-2529 or email StovallRanch@gmail.com NEW! Hay Farm For Sale 58 acre well maintained hay farm located 3 miles from Winnemucca. Property includes a 3080sq foot home with 3 bedrooms, 2 baths, open floor plan with a great room, large laundry area, family room and attached oversized 2 car garage. There is mature landscaping with numerous outbuildings, a 30’x34’ barn and horse corrals. Property also includes a 1537sq foot rental house which has 2 bedrooms and 1 bath with many new upgrades. Serious inquires only. Water rights included in sale. Buyer must be prequalified. $800,000 or OBO. (775)304-7226
For Sale: Black Angus Bulls - Purebread Yearlings and two year old’s. KDK Angus. Weights Available. Located in Fallon. For more information call 775-423-5092.
NEW! Mobile Home For Sale 1978 Double Wide Mobile Home, located in Pershing County. 3 bed 2 bath, 24’ x 60’. Fair condition. Needs to be moved. Pictures available. Make offer. Call 775-427-8502 or 775-427-7508.
1962 Studebaker GT Hawk - 4 speed, restored. $20,000. 775-779-2275
NEW! Fencing Wood round rail fencing, doweled rails, treated. Julian Smith, 775-8822027 (home) or 883-3200 work. Washoe Valley. For Sale - 1976 Ford 8600 Tractor, 9000 total hrs - 1000 since MOH, cab, duals, 540/1000 PTO. $6000 - 1992 New Holland 116 pull swather. $3500 Call 775-427-3476 or email sandblow@cccomm.net John Deere Tractor 8650 John Deere Tractor - local, 2nd owner. Clean - 238 H.P. Runs Good. $21,500. Call 775-720-4634 ask for Jim. Irrigation Pipe 3 in irrigation pipe, 40’ long, coupling type - stand pipes reconditioned sprinkler nozzles - 86 pieces 775-752-2120 NEW! Aermotor Windmill 12’ fan - Lovelock Area - Call 775-578-3536 Ranch Help Needed? Working cowboy and excellent horseman looking for work in North Western Nevada. Professional and timely. Cattle and horses is my profession and passion. Will consider any positions and willl not refuse any job. Please contact me for a full resume and references. alexschimke@live.com For Sale: John Deere 6619 engine, 300 hp,skid mounted w/radiator and rockford PTO, 2500 hrs, $4000, Gary Evert, 775-623-9364, gevert2@sbcglobal.net DR CHIPPER-19HP Towable, electric start, top discharging, Kawasaki 19 HP engine with very little use. Original cost $4,000. Asking $1,950.00 Phone Bob: 775-329-6411 or e-mail: llamabarn@aol.com IRRIGATION PIPE 10” Aluminum Irrigation Pipe High pressure mainline irrigation pipe with welded Circle Lock Ring
New Holland 1048 Bale Wagon for sale. Excellent working condition has all new tires. $10,000 775-849-1003 1981 Freightliner - Cummins, 25 ft. bed, 32 ft. trailer. $9,000. 775-779-2275
FOR SALE: 672 John Deere Hydrolic Rake w/ left-hand delivery - $1,500 347 John Deere Baler - 2-wire - $2,000 346 John Deere Baler - 2-string, for parts - $1,000 70 Horsepower Electric Motor - $700 70 Horsepower Gearhead - $700 Two-horse, Home-built trailer - $500 Call Bobby at 775-635-2118 or 775-635-9656 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 $4000 TRUCK TRACTOR 1981 Peterbuilt model 362 coe 2 axle tractor. Sleeper. BC3 400 Cummins. Recent inframe. 13 speed Good running condition. Was used to haul hay to California until it was parked a year ago. $4000 HAY BOOM 1961 Chevy 1-ton with 327 motor. Will run with minor repairs. Boom has a VG 4-cylinder Wisconsin. Hydraulics. $800. PICKUP 1979 Ford Courier with service bed. Will run with minor repairs. $500 MISCELLANEOUS Chevy 350 motor with 350 automatic transmission. Late 1970’s model. Came out of an Impala that was in good running condition but was vandalized. $500 3 Wisconsin motors: 1-VG 4-cylinder. 1-461 with PTO. 1-462 with PTO. None in running condition. Make offer. Email greatheadfarms@gmail.com. Phone 775-304-9136 or 775-304-4659
To Place FREE Classified Ads... Online: www.nvfb.org/classified E-Mail: zacha@nvfb.org Call: 1-800-992-1106 Fax: 775-674-4004
by Bob Stallman, American Farm Bureau
The Great Rural America Paradox
of more than 780 alreadystruggling rural counties and school districts in 41 states.
A wise man once said that rural America has become viewed by a growing number of Americans as having a higher quality of life, not because of what it has, but rather because of what it does not have, like traffic, crime and crowds. This sentiment can be seen in the growing number of urban transplants that have made their way toward greener and more spacious pastures.
Connected Nation
But, while many Americans equate living in the country with a simpler way of life, this couldn’t be further from the truth. The reality is that poverty in rural America is increasing, while opportunity continues to decline because of limited education, healthcare and broadband services. So, rural America being defined by what it does not have can also be a negative. It’s the great rural America paradox.
Connecting Kids The lack of technology, infrastructure and even basic services present major challenges for rural citizens. This is evident in rural classrooms, where nearly one in four U.S. kids attends school. Struggling rural school districts are grappling with teacher retention and lack of education technology that their urban counterparts take for granted, while seeing enrollment that is growing at a faster rate than anywhere else in America. Top this off with increasing rural poverty that 41 percent of rural students live in daily, as well as an increasing number of students with special needs. There’s a misconception that rural America and schools are stable and financially secure. But, they face every challenge that urban schools do, and more. That’s why Farm Bureau is supporting the Secure Rural Schools and Community Self-Determination Act which is up for reauthorization. This law helps rural schools and communities that are affected by declining revenue from timber harvests. This year alone, rural communities stand to lose more than $346 million for improvements to public schools and other valuable infrastructure and stewardship projects. Failing to reauthorize this bill jeopardizes the economies and education systems
Teachers aren’t going to remain in rural areas without access to basic technology and services and neither will healthcare professionals and small business owners. Access to broadband plays a huge role in whether rural communities survive and flourish or wither and die. As the number of rural doctors continues to decline, so do rural businesses. According to Inc. Magazine, 70 percent of business owners in rural America will need to transition their businesses to new owners by 2020. That is a staggering figure. And, by all counts, it appears that broadband access is a major component of the economic engine. Many states across the nation are addressing rural technology challenges. One program in particular that is being utilized by many states is Connected Nation, a broadband adoption project to create connected communities. This program trains regional leaders how to work with their communities to secure more internet access and connect more people. They make up community planning teams that help groups engage in teaching computer classes, mentor older adults and help with online job searches. It is Connected Nation’s philosophy that rural communities benefit through assessment, planning and self help, while citizens benefit through expanded access to relevant technology. Importantly, the private sector benefits from a more investment-friendly environment and increasingly tech-savvy consumers. So, while rural America remains for many an idyllic land of open spaces and simpler ways of life, those who live there know the real deal. Access to basic services continues to be essential for rural communities and the competitiveness of our nation. Rural residents and their children shouldn’t be kept at a disadvantage by inadequate education, healthcare and business opportunities. It’s time to get past the paradox.
July 2012 | Page 10 | www.nvfb.org
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2.99% APR*
36-MONTH TERM
Same low member rate for vehicles 2003 and newer Finance or refinance with Farm Bureau Bank and enjoy the same low rates on new and used cars and trucks.* We also offer flexible payment terms, vehicle protection plans, and dedicated Farm Bureau member service. Take full advantage of your membership. Apply today and save!
Existing Farm Bureau Bank vehicle 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) or Major Mechanical Protection (MMP). Additional discounts do apply for purchasing more than one collateral protection product. The advertised APR of 2.99% is effective as of 6/15/2012. Final APR may differ from the loan interest rate due to additional fees (such as a loan documentation fee) which may be applicable. For a $25,050 vehicle loan with a term of 36 months, a 45 day first payment date and a 2.99% APR, the monthly payment will be $727.76. 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 vehicle models 2003 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. Loans for RVs, motorcycles, trailers, ATVs, watercraft and commercial vehicles may be 0.50% higher. This offer is not available in all states and rates and terms are subject to change without notice. Farm Bureau, FB, and the FB National Logo are registered service marks owned by, and used by Farm Bureau Bank FSB under license from, the American Farm Bureau Federation. 0612_Nevada_VLwRateAd.indd 1
6/19/2012 9:30:38 AM