Cultivate SPRING 2021
Virginia Farm Bureau
Rosé Reflections
Va. wineries create array of blush wines
Cultivate Volume 14, Number 2 Spring 2021 Cultivate (USPS 025051) (ISSN 19468121) is published four times a year. February, May, August, October. It is published by Virginia Farm Bureau Federation, 12580 West Creek Parkway, Richmond, VA 23238. Periodicals postage rate is paid at Richmond, VA and additional mailing offices. The annual Subscription Rate is $1.13 (included in membership dues).
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Features 9
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BACKYARD COLOR
Natural dyes are made from botanical and biological matter, and might be found right outside your back door.
ALL THE BUZZ
“I can plot rosé sales with outside temperatures.” — STEVE MADEY, The Hague Winery, Westmoreland County
A honeybee’s nectar source determines the honey’s flavor, making each jar of Virginia honey unique.
Postmaster: Please send changes of address to, Cultivate, Virginia Farm Bureau Federation, P.O. Box 27552, Richmond, VA 23261; fax 804-2901096. Editorial and business offices are located at 12580 West Creek Parkway, Richmond, VA 23238. Telephone 804-290-1000, fax 804-290-1096. Email address is Cultivate@vafb.com. Office hours are 8 a.m. to 4:30 p.m., Monday through Friday. All advertising is accepted subject to the publisher’s approval. Advertisers must assume liability for the content of their advertising. The publisher assumes no liability for products or services advertised. The publisher maintains the right to cancel advertising for non-payment or reader complaints about services or products. Member: Virginia Press Association
EDITORIAL TEAM Pam Wiley Director, Communications Kathy Dixon Managing Editor Nicole Zema Staff Writer/Photographer Adam Culler Staff Writer/Photographer Patricia Hooten Graphic Designer
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PATIO PICK-ME-UP
Virginia’s crisp rosé wines are an ideal beverage for sipping on a porch or enjoying with a delicious warm-weather meal.
VERTICAL VINES
Climbing plants make the most of limited garden real estate, providing color and texture as they twist around trellises, pergolas or even mailboxes.
Maria La Lima Graphic Designer Alice Kemp Staff Writer/Advertising Coordinator
Departments 3
Did You Know?
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Save the Date
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For Your Benefit
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Heart of the Home
VISIT US ONLINE vafb.com
WE’RE SOCIAL!
MEMBERS — Address change? If your address or phone number has changed, or is about to change, contact your county Farm Bureau. They will update your membership and subscription information.
PUBLICATION SCHEDULE
Associate members will receive their next issue of Cultivate in August. The magazine is published quarterly, and back issues can be viewed at issuu. com/virginiafarmbureau.
ON THE COVER Rosé wines provide a good crossover from whites to reds (Photo by Nicole Zema).
Did you know? May is National Egg Month, and Virginia farms produce a decent amount of eggs—more than 716 million in 2020! Contrary to popular belief, you don’t have to limit the amount of eggs you consume in order to prevent heart disease. The American Heart Association no longer recommends a specific limit on egg consumption, as long as your daily cholesterol intake is an average of 300 mg total. Not only are eggs easy to prepare, they are
loaded with nutrition. A large egg contains just 70 calories and 5 grams of fat. Egg yolks are a good source of vitamin D and protein, which contains essential amino acids needed by humans to build muscle tissue. The following are a few fun facts about eggs from the national Egg Nutrition Center: • An average hen lays 300 to 325 eggs per year. • To tell if an egg is raw or hard-cooked, spin it. If the egg spins easily, it is hard-cooked, but if it wobbles, it is raw. • Egg protein is second only to mother’s milk for human nutrition. vafb.com / SPRING 2021
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MOWER SAFETY
37,000 That’s how many Americans suffer a power mower-related injury each year, resulting in about 90 deaths, according to the U.S. Consumer Products Safety Commission. Read about lawn mower safety on page 24.
Go paperless for fast, convenient service BY ADAM CULLER
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irginia Farm Bureau Mutual Insurance Co. has rolled out its paperless option, bringing customers instant access to their policy information anytime, anywhere. Policyholders who choose paperless enrollment will receive email alerts when new documents are available. Benefits of choosing this service include around-the-clock online access to policy documents and statements, as well as the ability to pay bills quickly. Paperless services are available for most insurance policies offered by VFBMIC. Sam Rooks, vice president of underwriting and policy services for VFBMIC, said policyholders can expect an improved customer experience when they make the switch. “With the paperless option, you’re going to have your account information available at your fingertips, and that’s a huge win for our customers,” Rooks 4
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said. “Otherwise, you’re waiting on policy paperwork, invoices and notices to come through the U.S. mail. By switching over, that delay is eliminated, and you get that added layer of convenience being able to immediately access everything online.” Sign-up information was sent in midApril to policyholders with an email address associated with their insurance
policies. VFBMIC also will continue to send out paperless enrollment notifications throughout the year. If you don’t have an email address on your account, contact your Farm Bureau agent. Alternatively, customers can enroll in paperless services by logging into their account on vafb.com. Eligible policies will be listed, and customers can choose which policies to enroll.
Save the Date!
Find It and Win! Cultivate magazine is offering a new contest for its readers. In each issue, search for a farming icon, and enter to win. This month’s icon is a cow. Contest rules are as follows: Find the cow inside this publication. Once you’ve located it, send an email to membershipbenefits@vafb. com with the subject line “Found It.” The body of the email must contain the following: • Your name • Your mailing address • The membership benefit advertisement located nearest the image • The page number where the icon is located The first 15 members who submit correct entries will win a 20-ounce stainless steel Virginia Farm Bureau logo tumbler. Readers are eligible to win only one tumbler during the contest period, January through December 2021. Please allow 6 to 8 weeks for delivery. Winners will be contacted by email. *Virginia Farm Bureau and Countryway employees are not eligible to win.
20-OZ. stainless steel Virginia Farm Bureau logo tumbler!
Davis Wells of Hanover County set a 2016 State Fair of Virginia record with his 245.7-pound watermelon. Giant melons are among the many competitions at the fair. KIERAN WAGNER
State Fair countdown As of May 1, there are exactly 146 days until the 2021 State Fair of Virginia opening on Sept. 24. After being canceled last year due to the COVID-19 pandemic, fair organizers are excited to welcome everyone back for their fair favorites. Planning efforts are focused on providing a safe guest experience. This will include hand sanitizing, additional cleaning efforts, controlling capacities and providing more open space for lines and seating areas. A fun, family event, the State Fair offers countless sights, events and delicious confections. Check out enormous award-winning watermelons and pumpkins, and unique handmade creations from Virginia artisans. The 2019 State Fair drew more than 3,800 entries in competitions for visual and culinary arts, horticulture and more. The fair also provides an educational and exciting look at Virginia agriculture. Fairgoers of all ages can expect to see a host of livestock and equine exhibitors and competitions featuring beef and dairy cattle, goats, pigs, lambs and poultry. You also can watch dairy calf births and milking demonstrations. The favorite Young MacDonald’s Farm exhibit in Harvest Landing will return with its baby duck slide, chicken egg incubator and Goat Mountain. There’s no shortage of entertainment at the State Fair of Virginia. Mark your calendars to come celebrate Virginia agriculture! For fair details, visit StateFairVa.org. vafb.com / SPRING 2021
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For Your Benefit
New benefit exclusively for Virginia Farm Bureau members! Travel Services NEW!
Save on tried, true and new Bush Hog products Since 1951, Bush Hog has offered dependable rotary cutters, finishing mowers, landscape tools and a wide variety of tractor-mounted implements. Its rotary cutters are perfect for cutting pastures and mowing fields, and they come with a 10-year gearbox limited warranty. Bush Hog offers Americanmade equipment to meet all your agricultural and landscaping needs—like zeroturn mowers that reduce mowing time and allow you to cut more efficiently. And now, Virginia Farm Bureau members can save $250 when they purchase Bush Hog products valued at $5,000 or more! Visit vafb.com/benefits and log in as a member or create an account, then print out a Membership Discount Agreement Form and take it to any authorized Bush Hog dealer at the time of sale. The discount must be claimed at the time of purchase.
Get out and about with trusted member benefits Visit the Biltmore Estate—America’s largest home Biltmore Estate in Ashville, N.C., is America’s largest home. Built by George and Edith Vanderbilt, this property offers visitors tours, carriage rides, beautiful gardens, kayaking, horseback riding, paddle boarding, biking and much more on 8,000 acres. Farm Bureau members in Virginia will receive $10 off regular gate admission to the historic Biltmore estate. Members also can realize reduced rates at The Inn on Biltmore Estate, The Village Hotel and a variety of local accommodations. While there, browse through unique estate shops for wine lovers, gardeners, bookworms and everyone in between. Savor complimentary tastings of more than 20 handcrafted wines; view rare treasures from the Biltmore collection; and learn about the estate’s barnyard animals. Visit Biltmore.com/corporateperk for more information. Tickets must be purchased in advance.
Members receive admission discount to top-rated Dollywood parks Located in Pigeon Forge, Tenn., Dollywood is recognized as one of the world’s best theme parks. Spanning 150 acres and located near Great Smoky Mountains National Park, Dollywood offers more than 40 rides and attractions, including Lightning Rod, the world’s fastest wooden coaster. Dollywood has won more awards than that of any other theme park for its live shows featuring country, bluegrass, Southern gospel and classic rock. Master craftsmen demonstrate the area’s rich artistry, from hand-blown glass to blacksmithing. Members can now purchase discount tickets to the Dollywood Theme Park. Visit Dollywood.com/Store/Special-Offers?promocode=VAFARMBUREAU or vafb.com/benefits.
Book hotels at a discount Your Farm Bureau membership gives you access to two programs offering significant savings at thousands of hotel properties. Reservations are required, and blackout dates may apply.
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For Your Benefit
Choice Hotels International The Choice Hotels International program offers a 20% discount off “best available rates” for Farm Bureau members at more than 5,000 locations. To access this discount rate, call 800-258-2847 or visit choicehotels.com. Use the Virginia Farm Bureau identification number, available at vafb.com/benefits and from your county Farm Bureau, when making a reservation. Present your membership card when you check in. Wyndham Hotels & Resorts Whether you’re looking for an upscale hotel, an all-inclusive resort or something in between, Wyndham Hotels & Resorts has the right hotel for you! As a Virginia Farm Bureau member, you will save up to 20% off the “best available rate” at over 8,000 participating hotels worldwide. To take advantage of this discount rate, call 877-670-7088 or visit wyndhamhotels.com/farm-bureau. Use the Virginia Farm Bureau identification number, available at vafb.com/benefits and from your county Farm Bureau, when making a reservation. Present your membership card when you check in.
Home/Business Savings
Save on goods, services and places to visit Virginia Farm Bureau’s exclusive Member Deals Plus®* benefit uses the nation’s largest private discount network to save you money on meals, clothing, vehicle care, and other goods and services. It uses “show your phone” mobile deals that can be accessed anywhere and redeemed from a smartphone at the point of sale, or from a home computer. Members can enjoy Member Deals Plus savings at more than 100,000 locations nationwide.
How to get started
To register as a Member Deals Plus user, visit vafb.com/benefits, and click the Member Deals Plus link near the top of the page. Then, on the Member Deals Plus website,
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Click “Register” in the top right corner, and use your Farm Bureau membership number. Once you’re registered, you can start saving immediately.
Then, to save with a mobile device,
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Download the “Member Deals Plus” app from the Apple App Store or Google Play. Sign in with your email address and password you created on the website.
For assistance, contact Member Deals Plus customer service at 888-275-9136. *Member Deals Plus and Member Deals plus are registered trademarks of Virginia Farm Bureau Federation.
Get up to 50% off on Xerox printers and supplies Farm Bureau members interested in purchasing printers and supplies like cartridges, toner and ink will receive preferred pricing on the latest Xerox technology and services, including up to 50% off home and office products and production printers. To learn more, visit Xerox.com/FarmBureau, or contact a Xerox representative at 800-ASK-XEROX, ext. 232. Users must present their Farm Bureau membership card or member number at the time of sale.
Healthy Living
Members save on prescription drugs Virginia Farm Bureau’s free Prescription Drug Discount and Savings Program affords members discounts at more than 67,000 pharmacies nationwide, on all FDAapproved brand and generic drugs. Members pay no fee to use the program, which is designed for individuals with no insurance coverage for prescription drugs. The program works via what’s known as a “consumer care” or “point of sale card” that can be used by your entire household. There are no medical exams, no waiting periods, no claim forms to file and no exclusions for pre-existing conditions. Your county Farm Bureau can provide starter card information and details on how to locate participating pharmacies near you. Farm Bureau representatives also can help you compare potential savings on generic and name-brand drugs. For more information, visit vafb.com/benefits. You will need to register and log in as a member.
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WATCH US
This month on Real Virginia:
State legislators are prioritizing agricultural trade Featured this month on Real Virginia, Virginia Farm Bureau’s weekly television program: • Gov. Ralph Northam aims to double Virginia’s agricultural exports in the next 15 years. • Antique enthusiasts have amassed extensive collections of vintage farm equipment • Learn how to grill a skirt steak and dress it up with a chimichurri sauce in this month's Heart of the Home. Real Virginia airs nationwide at 3:30 p.m. on the first Saturday of each month on RFD-TV on Dish Network and DirecTV, and on selected cable outlets around the state. It airs weekly on WBRA Roanoke, WHRO Norfolk, WVVA Bluefield and WTKR Norfolk, and on the first and third weekends of each month on WVIR Charlottesville and WRLH Richmond. Watch Real Virginia anytime online at youtube.com/user/ VirginiaFarmBureau.
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Learn about Medicare options through free virtual seminars Virtual Medicare 101 seminars were so popular in 2020 that Virginia Farm Bureau is once again offering a series of free informational classes for its members. “Medicare can be confusing, and it’s important that you have a good understanding of how Medicare works,” said Tracy Cornatzer, sales manager for VFB Health Insurance division. “We had a great turnout in 2020, and since the pandemic is continuing, we’ve decided to hold this year’s seminars virtually to minimize risk to our members, customers and staff.” The virtual sessions are accessible from the living room couch or kitchen table— on a computer, phone or tablet. Sessions typically last an hour, and a health insurance representative of VFB’s Health Insurance division will present the material. Cornatzer said the material covers the nuts and bolts of how Medicare and related plans work. Enrollment periods and plan timelines also will be explained during the sessions. Virginia Farm Bureau has facilitated Medicare seminars since 2016, but last year was the first time the sessions were held online. “We will miss seeing everyone in person but are happy that with the aid of technology we can offer these classes through a computer, tablet or phone,” Cornatzer said. To RSVP, email your name, county, email address, and the date of your chosen seminar to MedicareSeminar@vafb.com or contact your local Farm Bureau office. Participants can RSVP to the session of their choice and will be sent a Webex link to join that meeting virtually. Seminars will be held at 10 a.m. on June 8, July 6, Aug. 3 and Sept. 7; and at 6 p.m. on May 27, June 24, July 29, Aug. 26 and Sept. 23. If you are unable to attend and have questions about Medicare or need assistance signing up for a Medicare Supplement, Medicare Advantage, or Part D plan, contact a local Farm Bureau office or call 800-229-7779. You also can request a quote at vafb.com/health.
BACK to BASICS
Dye master Linda LaBelle says plants like this indigo create richly dyed creations.
TRUE COLORS Natural dyes are derived from an array of botanical and biological matter — some in our own backyards
ur relationship with color and the desire to adorn ourselves in it is an ancient human trait. While dye techniques and materials have evolved with civilization, an international community of dye masters still honor ancient methods, creating dyes from natural sources like roots, leaves, flowers, seeds, insects and wood. Indigo vats meld into fermented organisms that must be fed, stirred and left to rest, and can live for years. Botanicals like woad and Japanese indigo flourish in Virginia dye gardens, but dyes also can be created with materials from your yard or fridge. Like a sommelier’s sensitive palate distinguishes subtleties of fine wines, dye masters have an innate recognition of the color spectrum. “I can’t sing, I can’t dance, but I can make and recognize color,” said dye master Linda LaBelle of Roanoke, who has traveled the globe learning and teaching natural dye techniques for two decades. “You might have 20 blues, and I can tell you which blue is which.”
Out of the blue
“Ma’am, do I need to get you to a hospital?” asked a concerned neighbor, staring at LaBelle’s indigo-stained hands. Her blue-tinged fingers and richly dyed creations tell a story about color. Though dyeing precedes recorded history, LaBelle believes early man likely took a cue from nature. “They saw bird feathers and butterflies, and thought, ‘If they can have those beautiful colors, why can’t I?’”
NICOLE ZEMA
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BY NICOLE ZEMA
While studying natural medicinal plants, LaBelle found that many double as dyes. Her interest was stoked by master weavers and dyers she met in India and Mexico. “You learn about new plants and mordants, things not written about in books, or in your language,” she said. LaBelle went on to teach natural dyeing in Kazakhstan and Turkmenistan, shared fiber techniques with Rwandan women, and led a children’s workshop in Italy. Mordant, French for “to bite,” is often aluminum-based, and necessary for color to affix to fabric. A dye assist like cream of tartar is a color brightener that also prevents harshening of the yarn in the vat. The addition of tannins to a vat helps preserve color. LaBelle’s 55-gallon indigo vat is now entering its third year in her home studio. “It’s a living thing, and you treat it like a pet or a child,” she said. “Even when it’s resting, I still feed vafb.com / SPRING 2021
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NATURAL DYE GUIDE PLANT: Japanese indigo (Persicaria tinctorial) COLOR: Blues
PLANT: Madder
(Rubia tinctorum) COLOR: Reds
SOURCE: Cochineal bug
VAHE MARTIROSYAN
COLOR: Pinks/Reds
PLANT: Gardenia COLOR: Yellows
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BACK to BASICS
it sake. I keep stirring and checking to make sure it’s healthy. You never approach a vat when you’re angry or in a rush. Some days it’s not going to work; other days it works beautifully.”
The madder at hand
Red textile fragments dyed from roots of an old-world species of madder have been found in Pakistan from 2500 B.C., and in Egyptian tombs, according to U.S. Department of Agriculture ethnobotanists. Madder root is still a popular natural dye. LaBelle sells the root whole, ground and as extract through her online retail business called The Yarn Tree. Some customers want the plant matter, while others prefer extracts. Her online catalog includes other natural dyes like Osage orange shavings from the shredded heartwood of the Maclura Pomifera tree that leave a striking yellow hue. Luscious pinks and reds come from cochineal—scaled insects found on the pads of prickly pear cacti, farmed in Mexico, Peru and the Canary Islands. “I grind the whole bugs myself, and also sell extracts,” LaBelle said. “A little goes a long way.”
Small-batch fashion
Historically, certain colors were popular based on their availability, said fashion historian Dr. Dina Smith-Glaviana, assistant professor of fashion merchandising and design in Virginia Tech’s Department of Apparel, Housing and Resource Management. “After the 1850s when synthetic dyes were introduced, the possible color range increased,” she said. “We historians say that people in the past loved color more than we do now, and if your eyes do not bleed looking at the
colors featured on historical garments or on walls in historic homes, then it is not historically accurate!” Before fast fashion, garments were re-dyed by indigo masters, Labelle added. Organic sources of natural dye are sustainable, but not suited for large-scale commercial production. Smith-Glaviana said some dyes were harder to procure than others, like Tyrean purple dye produced from the glandular secretions of mollusks and discovered in 1500 B.C. It was expensive, as 12,000 mollusks were needed to produce 3.5 ounces of dye. “Its scarcity is why it was used and restricted to royalty in Roman times and beyond,” Smith-Glaviana said. “People would put out yarns or fibers on a beach and wait for shellfish to wash up or crawl up on the beach and secrete on the fibers.”
A garden to dye for
Indigos are tropical plants, but some varieties, like Japanese indigo, perform well in Virginia. “It’s super versatile, and I think everybody should grow it,” LaBelle said. “And bees love indigo plants.” A few raised beds in her backyard produce three indigo varieties from Central America, India and Japan, and woad—one of the oldest-known dye plants. Until the introduction of indigo from India in the late 1500s, woad was the only blue dye used in Europe. “It’s a special and very recognizable blue,” LaBelle said. “The seeds hang down and turn a shiny purple. They look like little jewels hanging there.” Stay-home orders associated with the COVID-19 pandemic heightened public interest in hand-dyeing. Dye kits and instructional resources abound for newcomers wanting to try this ancient art form.
Facing page under indigo: An indigo vat can live for years. LaBelle shows a hand-woven, hand-dyed scarf from India. Shibori is a Japanese tie-dying technique used in these pieces of hand-spun cotton. LaBelle sells indigo sticks through her online business, The Yarn Tree. She created an original garment that was accepted for a 2020 indigo exhibition in Japan.
diy dyes
Make natural dyes at home Megan Nilsson, a graduate of the Virginia Tech School of Visual Arts, shared step-by-step instructions on how to create natural dyes at home using compost-worthy scraps. “Some ingredients and fibers work a lot better than others in this imperfect process,” Nilsson said. “I have noticed that natural fibers like cotton or wool consistently work better than synthetics like acrylic yarn.” INGREDIENTS • Choose one: pomegranate skins, red or yellow onion skins, or flowers like marigold, hibiscus and sulfur cosmos. DIRECTIONS • Place a few tablespoons of alum (a mordant found in the spice aisle) in a large jar. • Fill the jar halfway with lukewarm water. • Place your fiber in the jar (yarn, cloth napkin, T-shirt), and soak it overnight. Add more water if needed to cover the fiber. • Simmer your dye material in water for about an hour until the water changes color. • Strain liquid dye into a clean jar. • Let fiber soak in dye overnight. • Rinse fiber with water until it runs clear, and hang to dry.
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Pawpaw’s tropical flavors rooted in American landscape
Glenn Clayton removes a tray from one of his Nelson County beehives. Honey varieties reflect the flavor of the nectar source bees bring back to their hives. Beekeepers label the honey based on where most of the nectar came from, like clover, thistle or tulip poplar.
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How sweet it is Virginia’s varied landscape is reflected in locally harvested honeys |
ARTICLE AND PHOTOS BY ADAM CULLER
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etween its coastline, mountains, rivers and valleys, Virginia’s diverse landscape makes the Old Dominion an ideal place for humans, animals and plants to live harmoniously. Among the greatest beneficiaries of Virginia’s natural splendor is the western honeybee, which was first introduced to the Jamestown colonists in 1622 to improve their crop cultivation. Nearly 400 years later, the species is still busy producing unique honeys that are coveted by local consumers.
Honey begins with flowering plants
The process begins each spring when foraging honeybees collect nectar from flowering plants and use the syrup to produce honey in their hives. The nectar source determines the honey’s flavor, and the wide range of honey varieties made in Virginia are a product of the state’s floral diversity. “There are a lot of different nectar sources out there—every plant is going to have a different concentration of sugars and flavors, so each will produce a honey with its own unique tastes and colors,” said Keith Tignor, state apiarist for the Virginia Department of Agriculture and Consumer Services. “And, because bees are generalist pollinators, they’re usually visiting multiple plant species and are likely to bring back lots of different nectars to combine in the hive.” Tignor said beekeepers manage their harvests to determine whether their honeys will have a plant-specific
flavor or a culmination of flavors from several different plants. To influence their colonies’ pollination practices, beekeepers often place their hives in locations where plants are in full bloom. This encourages bees to feed on that plant’s nectar. “Once that bloom is over, beekeepers will take the honey that was produced during that time, extract it and bottle it,” Tignor said. “They’ll label their honey things like clover, thistle and tulip poplar because that’s where most of the nectar came from that’s in that jar of honey.”
Sourwood variety called ‘Cadillac of honeys’
Buckwheat, clover and wildflower are among the most common honey varieties produced in Virginia, though the commonwealth is known for its production of sourwood honey. Named after the species of trees that are found in southern and western regions of the state, its nectar is available to honeybees in June and July. The honey—revered for its sweet, buttery taste resembling caramel— typically makes its way to consumers in early August. “It’s what we call ‘the Cadillac of the honeys,’” said Glenn Clayton, who
produces sourwood and wildflower honey at Hungry Hill Farm in Nelson County. “You have all kinds of honey, but the sourwood has its own special flavor.” Bob Wellemeyer, a Rappahannock County beekeeper who produces goldenrod and wildflower honey at Windsong Apiaries, noted locally produced honey is becoming popular with consumers for culinary and medicinal purposes. Honey is a trendy yeast source and ingredient at Virginia breweries, distilleries and meaderies as well. Darker honey varieties are sometimes favored for their nutritional value. Raw honey, meanwhile, is finding increased applications in medical settings because of its woundhealing properties. “The thing you’ve got to remember about honey is that it’s pretty much perfect in the hive,” Wellemeyer said. “The honey that smaller producers are selling is strained, not filtered, and still has all the pollen grains and particles that make it the product people want to buy. Raw honey is the one thing smaller producers can offer that the big packing companies can’t.”
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Beneficial bugs Despite insects’ reputations as pests, most species play a key role in successful plant growth. BY ADAM CULLER
Bees — Anthophila
Ladybugs — Coccinellidae
Praying mantises — Mantidae
Pfeiffer’s review: “Bees have a very positive role in the environment, including the role they have with humans. They’re good because they pollinate a wide variety of plants. Honeybees, bumblebees and mason bees are all useful pollinators.”
Pfeiffer’s review: “Most ladybugs are predatory, but a couple of North American species feed on plants, such as Mexican bean beetles. Ladybugs can be very effective in reducing mites and aphids. Ladybugs often hunt in ground cover and in trees. They help control pests on a wide variety of horticultural crops.”
Pfeiffer’s review: “Praying mantises are almost entirely predatory, and they often catch pest insects. However, it’s hard for them to really put a dent in a pest population because they’re not all that numerous.”
Pros
• Effective pollinators of cultivated crops and wild plants
Pros
• Produce food and wax products (honeybees)
• Effective predators of aphids, mites and other pest insects
Cons
• Lay eggs among pests’ nests, allowing larvae to feed at high rates
• Painful stings (some species)
Cons
• Some species are harmful to plants (Mexican bean beetles) • Retreat indoors when outside temperatures cool
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Pros
• Effective predators of pest insects, especially flying insects like moths and mosquitoes • Prey on small rodents
Cons
• Sometimes prey on other beneficial insects
• Known to prey on hummingbirds, which are important pollinators
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here’s no way around it—insects are unwelcome guests in most people’s homes, and some residents go to great lengths to expel creepy crawlers from their dwellings. But in the garden, it’s a whole different story. Whatever your definition, bugs are a crucial cog in supporting plant growth, serving as pest control,
pollinators and facilitators of healthy soil regeneration. Of the 10 quintillion insects estimated to be living at any time on Earth, about 99% of them provide positive ecological benefits. Dr. Doug Pfeiffer, a Virginia Tech entomology professor, offered a few impartial reviews of insects that may be misunderstood.
Ground beetles — Carabidae
Vespid wasps — Vespidae
Lacewings — Chrysopidae
Pfeiffer’s review: “Ground beetles are an interesting family because they’re mainly predatory, but some feed on seeds in the ground. Ground beetles often are good predators of caterpillars, and generally they’re good predators of pest insects that spend some part of their life cycles in the ground cover.”
Pfeiffer’s review: “The vespid wasps, such as paper wasps and yellow jackets, have a mixed role, mostly because people are leery of them because they can sting. Some species are more aggressive than others, but they’re beneficial during most of the growing season because they feed on caterpillars and other pest insects in farm fields.”
Pfeiffer’s review: “There are two main families of lacewings—green and brown. Their larvae are entirely predatory, and they’re sometimes called aphid lions because they’re voracious predators of aphids. Overall, they can be very effective predators of soft-bodied insects. Some species mainly feed on pollen, but I don’t know of any that cause injury to plants.”
Pros
• Effective predators of caterpillars and other pest insects at crops’ root level • Some species prey on snails and slugs
Cons
• Sometimes feed on planted grains
Pros
• Effective predators of caterpillars and other pest insects • Pollinators of wild plants
Cons
• Aggressive defense response
• Painful stings, which can be fatal in some cases
Pros
• Aggressive predators of aphids, also hunt soft-bodied insects • Minor pollinators
Cons
• None
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ALICE KEMP
Visitors to the tasting room at The Hague Winery in Westmoreland County can enjoy scenic farmland as they sip crisp rosé.
ROSÉ ALL DAY:
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irginia has steadily been gaining a foothold in the wine world and is now home to 312 wineries. The state’s diverse climate allows growers to cultivate 28 varieties of grapes on more than 4,000 acres, from chardonnay and merlot to lesser-known varieties like petit manseng. While producing award-winning reds and whites, many Virginia vintners also offer a popular in-between option— rosé. Made from single grapes or complex blends, rosés can be sweet or dry, sparkling or still. Delicate hues ranging from a soft blush to deep salmon are reminiscent of warm days spent outside. “Rosés lend such a beautiful shade to the table,” said Dr. Beth Chang, Virginia Cooperative Extension enology specialist. “Their versatility is extremely appealing. They can be consumed on their own or paired with many cuisines. From a wine production perspective, they can round out a portfolio nicely due to their intermediate body.”
Northern Neck is home to dry rosé wines BY ALICE KEMP Established at the historic Buena Vista Plantation on the Northern Neck, The Hague Winery’s tasting room overlooks a picturesque manor home, vineyard and farmland. The converted
1930s barn offers an intimate space to enjoy the peaceful landscape with a glass of crisp rosé. “I joke I can plot rosé sales with outside temperatures,” chuckled Steve Madey, who owns The Hague Winery with his wife, Cynthia. “When the temperature gets into the 80s and 90s in July, the rosé is flying out of here. People are sitting out on the patio with a chilled bottle of rosé and some cheese.” The winery’s French-style dry rosé made from cabernet franc grapes eliminates the sweetness many associate with pink-hued wines. Hints of strawberry accompany floral notes, giving it a unique complexity— something Madey aims for in his rosés. “I like a little bit of fruitiness at the outset and some kind of mid-palate richness,” Madey said. “And then a finish that trails off. I’m looking for something that isn’t just one note.” Winemaker Mark Misch makes rosé using the maceration method— crushing the deep red grapes and leaving the skins to soak for 12 hours to overnight, “just enough to get color in it. “You ferment it like a white wine in a tank that you can keep cool,” Madey explained. The Northern Neck’s warmer winters, blustery winds and welldraining soil are ideal for cultivating grapes. Positioned for maximum sun, Madey’s 5 acres of vines are handtended throughout the season. There’s a flexibility in making rosé wines, he explained. The grapes don’t require the same amount of precision like they do for a red. He can choose to harvest early and make a rosé if
MOUNTAINROSE VINEYARD
Blush-tinted wines are ideal for summer sipping
Red grapes are primarily used for making Virginia rosé wines. This vineyard in Russell County is a secondary location for Wise County's MountainRose Vineyard. This is where it grows chambourcin grapes to make its Darby Blush.
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ROSÉ ALL DAY
ALICE KEMP
Steve Madey stands in the tasting room of The Hague Winery, which he co-owns with his wife, Cynthia. He says customers enjoy rosé in warmer weather.
MOUNTAINROSE VINEYARD
bad weather presents threats of rot or diluted grapes. “You get to the early fall around here, and you’re looking at tropical storms and all kinds of other problems,” Madey said. “It’s a great stress reliever.”
Southwest Virginia rosé named for its coal country roots MountainRose's award-winning Darby Blush is the basis of Darby's Rose Colored Glasses, a "wine mint julep."
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BY NICOLE ZEMA Hills once powdered with coal dust in deep Southwest Virginia have been reclaimed by MountainRose Vineyard‘s 10 acres of grape-bearing vines. In tribute to the region’s coal-mining heritage, the Wise County winery’s
Darby Blush rosé was named for a coal seam on the reclaimed mine lands. Made with straight chambourcin grapes, the blush is a hit with locals and wine connoisseurs alike. “Our Darby Blush has some residual sugar, so it’s a semi-sweet,” said Suzanne Lawson, MountainRose Vineyard owner and sales manager. “Rosés in general are good for someone who wants a more full-bodied and flavorful wine than a white, or for people who are not red wine drinkers. White-wine lovers often begin enjoying red wines by first trying rosés, as they have some of the flavors and aromas of red wines without the tannins, making them a great a crossover from white to red wines." Southwest Virginia wineries are
Rosé and recipes make quite a pair
MOUNTAINROSE VINEYARD
E
MountainRose customer Angela Gibson holds a refreshing rosé cocktail.
not as well-known as those in other areas of the state, but MountainRose Vineyard is trying to change that. Its chambourcin grapes are grown in neighboring Russell County at a second site called Grace Vineyard. Its lower elevation affords a layer of protection against late spring frost, creating a mesoclimate of warm days and cool nights. “This makes our wines different from other wines in Virginia,” Lawson said. Darby Blush won the 2008 Wine of the South silver award, and its tasting notes include grape aromas followed by strawberry flavors, with a crisp, clean green apple-candy finish. Lawson said their rosé is best paired with any kind of seafood. “Blushes are perfect with seafood, so I think in Virginia that contributes to their popularity,” she mused. “It’s light enough to have with chicken, and it has a little more versatility with food pairings than reds or even some of the whites.”
nology Extension specialist Dr. Beth Chang has pairings down to a science. In addition to white meats, fish and shellfish, rosés also compliment cuisines like Thai and Indian. Semi-dry varieties with some residual sugar are a great counterbalance to spicy foods. “Rosés can be a fun choice for barbecue,” Chang noted. “The acid cuts through fatty meats, the red fruit aromas pair well with smoky flavors, and the body of the wine is typically a good weight to avoid overpowering the accompanying side dishes.”
For each serving: Dip a wine glass rim in lime juice, and coat the rim with the extra sugar. In the wine glass, add crushed ice, 1 teaspoon syrup, ½ cup Darby Blush and ¼ cup soda. Garnish with fresh mint leaf and strawberry. Swirl and enjoy.
Darby's Rosé Colored Glasses
1 teaspoon vanilla extract
A "wine mint julep" cocktail created at MountainRose Vineyard with Darby Blush, or using your favorite Virginia rosé.
4 Bosc pears
INGREDIENTS
2 cups Darby Blush wine ⅓ cup sugar, plus extra to coat the wine glass rim 1 tablespoon chopped fresh mint 3 tablespoons lime juice 1 cup lemon-lime soda 1 strawberry DIRECTIONS
Syrup: In a small saucepan, mix 1½ cups blush wine with sugar and bring to a boil, stirring until the sugar is dissolved. Boil for 2 minutes, then remove from the heat. Add mint to the syrup, and let cool. Strain mint from the syrup, and store syrup in a closed container; refrigerate until ready to use.
-MountainRose Vineyard
Poached Pears INGREDIENTS
1 lemon 1 bottle Darby Blush wine 1 cup sugar 8 whole cloves pinch of salt
DIRECTIONS
Zest the lemon using a citrus zester, or cut off the zest and cut it into very thin strips. In a small saucepan, squeeze the juice of the lemon and add the wine, sugar, cloves, vanilla and pinch of salt. Bring the mixture to a low boil over medium-high heat, stirring occasionally. Add the pears to the liquid. Cover the pan, reduce heat and simmer for 25-30 minutes, until tender. Use a slotted spoon to remove the pears. Return the liquid to a low boil, reduce the heat, and simmer for about 30 minutes, until it reduces and thickens to a syrupy consistency. Drizzle the syrup over plated pears, and garnish with mint leaves or fresh fruit. -MountainRose Vineyard
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Passionvine is a Virginia native and its flowers attract pollinators.
Crossvine is a perennial native that blooms in the spring.
Climbing plants: Vines make the most of any space BY ALICE KEMP
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icture this: Beautiful greenery twining up a fence, decorated with blooms of vivid yellow, pink or purple that produce a visual masterpiece without taking up much garden real estate. “Vines are great for creating that vertical element in a landscape,” said Ed Olsen, a Virginia Cooperative Extension horticulturist in Henrico County. “They can also be used to draw your eyes upwards in a landscape, creating the effect of height.” Providing color, texture and unique form, they climb, cling and twist their way onto nearby structures. Ideal for small spaces, these creative climbers can cover an unsightly fence, add decoration to an arbor or column and provide privacy and shade. “There’s one called woodvamp, which is a relative of climbing hydrangea,” said Mike Andruczyk, an Extension horticulturist in Chesapeake. “It grows in the shade by aerial roots and has fragrant little clusters of creamy white flowers in mid-spring. In the wintertime, it drops its leaves, but it has pretty peeling bark to look at as well.” Virginia offers several beautiful native vines. Crossvine, a
Carolina jessamine is a twining vine with evergreen leaves and sunny yellow blooms.
perennial native, blooms in the spring with warm, red-orange tubular flowers, adding colorful splashes as it climbs by gripping its tendrils onto surfaces. Carolina jessamine, a twining vine, can add a sunny look with its evergreen leaves and bright yellow, fragrant flowers. Another Virginia native is passionvine. With purple or yellow flowers, this is a “wonderful deciduous vine that flowers from late spring through summer. They attract many species of pollinators including native bees and butterflies,” Olsen said.
Training your climber Clips or ties can be used to fix vines in place to train them to climb in a desired direction until they’re established and grow naturally. Trellises, pergolas, latticework or frames with netting make ideal ornamental structures for vines to scale. “You could keep them within a small frame fairly easily, but you can allow them to get much bigger if you want,” Andruczyk said. Some vines, like clematis, can grow alongside a tree, wrapping its leaf petioles around it for support.
Woodvamp is a relative of climbing hydrangea and grows well in shade.
“Because it’s climbing with those petioles, it’s not crushing the stem or overwhelming the trunk of the tree,” Andruczyk explained. “They can work together so you can kind of maximize your space.” Keep in mind that vines can be tenacious, taking over if not maintained or pruned. Large vines like wisteria can overwhelm a structure with their ever-growing mass.
Use caution on important structures Stately brick homes covered in sprawling English ivy are an idealized image, but there can be problems lurking beneath the beauty. Aerial roots can find their way into mortar and erode it over time. Vines also trap moisture, leading to mold, and can be an attractive haven for damaging pests like termites. Removing established vines can strip away paint, leave residue and cause discoloration. “You could put another structure up, such as a wooden structure or little brick wall for it to climb separate from the house,” Andruczyk advised.
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Medicare Advantage plans include added benefits for 2021 BY ADAM CULLER
M
edicare Advantage plans are growing in popularity among Medicare beneficiaries, as are the number of plans that offer supplemental benefits to subscribers. According to the Kaiser Family Foundation, enrollment in Medicare Advantage plans has grown from 6.9 million participants in 1999 to 24.1 million in 2020. It’s now estimated that 39% of all Medicare beneficiaries are enrolled in Advantage plans. Medicare Advantage plans, also known as Medicare Part C, are offered and managed by private health
As Americans live longer, healthier lives, more are enrolling in Medicare Advantage plans.
insurance carriers and are approved by Medicare. These plans include Medicare Part A and Medicare Part B benefits, and most include Medicare Part D prescription coverage.
These plans also provide a wide range of supplemental benefits not offered through original Medicare. Benefits | MEDICARE ADVANTAGE cont'd on page 30 »
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Avoid costly repairs with homeowner equipment breakdown coverage BY ADAM CULLER
U
nexpected appliance and household system breakdowns can be a financial nightmare often requiring hundreds or thousands of dollars to repair. Breakdowns caused by fire or weather events typically are covered under most standard homeowner policies, but common losses caused by electrical and mechanical failures aren’t. However, by adding equipment breakdown coverage to their policies, homeowners are protected against sudden, accidental equipment breakdowns and the staggering repair rates. “Homeowner policies
are designed to cover direct damage to equipment that occurs outside of the unit, damage often caused by fire, lightning or hail,” said Lisa Whitus, personal and commercial lines underwriting manager for Virginia Farm Bureau Mutual Insurance Co. “If your air conditioning unit burns up because of a house fire, that’d be a fire claim covered under your homeowner policy,” she said. “But if that equipment breaks down because the circuitry fails, that’s not a covered loss. Equipment breakdown coverage is designed to pick up where homeowner policies leave
off, and covers breakdowns and failures that occur inside the equipment itself.” Coverage can be purchased on a wide range of equipment, including air conditioning and electrical distribution systems, furnaces and heat pumps, kitchen appliances, and water heaters and water treatment systems. Electronics, home solar systems, health equipment and tools also can be endorsed. Equipment breakdown coverage covers damage caused by electrical and
Prepare to get your hands dirty!
Cosmetic endorsement ensures roof and siding match repaired areas Virginia weather is unpredictable, and your home can be severely damaged by hail, rain and wind. Depending on your homeowner policy, weather damage to roofing and siding is a covered loss, but only to the damaged portion. In some cases, this can lead to mismatched materials being used for a repair, giving your home an undesirable appearance. “Your insurance will pay to replace the damaged roofing and siding, but the problem is that you’re left with the undamaged roofing and siding that doesn’t match the repaired areas,” Whitus said. “If your home’s cosmetic appearance is important to you, it’s a good idea to consider paying a little extra for the matching of undamaged siding and roofing endorsement on your homeowner policy.” In the event of a covered loss, the endorsement also will pay for matching services for the undamaged roofing and siding based on the coverage limit selected by a policyholder. Homeowners can purchase $20,000 in coverage with sub-limits of $10,000 each for roofing and siding for an annual premium of $50. Likewise, $40,000 and $60,000 in coverage with the same 50-50 sub-limit splits may be purchased with annual premiums of $75 and $100, respectively.
mechanical failure to endorsed equipment, but it doesn’t cover routine maintenance. Coverage is relatively inexpensive, making the endorsement a wise choice for homeowners. “It’s going to cover all kinds of property in your home—your major systems, appliances and electronics,” Whitus said. “Insurance is there for those catastrophic losses, and equipment breakdown coverage is there to cover the losses that create a need to replace a whole system.”
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vafb.com / SPRING 2021
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M
‘No mow’ accidents
Keep safety in mind throughout mowing season
NICOLE ZEMA
BY NICOLE ZEMA
LISA BARNETT
NICOLE ZEMA
Lisa Barnett of Louisa County suffered a lawn mower accident in 2018. She said her scars have healed, but the memory still haunts her.
Barnett's accident severed a ligament in her left hand. She feels fortunate to have kept her fingers. 24
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ay 6, 2018, was one of those gorgeous spring days perfectly suited for outdoor chores. Lisa Barnett and her husband, Mathew, had both taken the day off to work on their property in Louisa County. She was driving their zero-turn commercial riding mower—the kind with differential steering controlled by two handles designed to cut closely around obstacles. She was almost finished mowing, but the power take-off switch was not communicating with the pulley and belt, preventing the mower blades from spinning correctly. “The lawn mower didn’t have the guard on the pulley system, and my husband always told me, ‘If you have to mess with it, never put your hands on it. Always make sure it’s not engaged and kick it with your foot.’” She was focused on finishing the task. “I was in a hurry and wanted to help it along,” she said. “I kept engaging and then disengaging the switch. But in my haste to hurry it up, I didn’t disengage, and when I reached down to pull on the pulley, it ripped my hand right through it.” A deep laceration zigzagged through her left hand, severing a ligament. She remained calm and drove back toward the house, steering with her right hand and left elbow. “We jumped in the car, and off to the emergency room we went,” Barnett said. Fifteen stitches and a pin held her hand together until
she had orthopedic surgery. The scars healed nicely, but the awful memory is still visceral. “I have fairly decent usage of that hand, but I can’t make a complete fist or pick things up with it, and it gets really cold in the wintertime,” Barnett said. “But I was very fortunate to
The commercial riding mower's pulley ripped Lisa Barnett's hand through it when she failed to turn off the mower.
keep my fingers. I believe if I had taken the brunt a little higher where the bones are smaller, I may have lost part, or both of, my fingers.”
Spring and summer are prime times for accidents The U.S. Consumer Products Safety Commission estimates more than 37,000 Americans suffer a power mowerrelated injury each year, resulting in about 90 deaths. “Unfortunately, lawn mower and bush hog injuries are frequent occurrences throughout the spring and summer months,” said Dr. Eric Kramer, a Rockingham County emergency physician. He said mowing accidents tend to result in two categories of injury—lacerations and amputations, or blunt trauma. “The most common are wounds to fingers and hands as the direct result
of people attempting to hand-clear debris from lawn mower grass chutes while the engine is running and the cutting deck is still engaged,” he said. Blunt-trauma injuries occur when mowers and tractors upend while the rider is moving along a steep gradient, pinning them to the ground. “Given the substantial weight of the machinery, patients sustain an array of physical damage ranging from severe arm and leg crush injuries, to more significant chest and abdominal trauma,” Kramer said. “This often necessitates rapid transfer to a trauma center.”
Children also at risk for injury Riding with Grandpa on the mower is a cute photo op with underlying risk. An estimated 9,400 children are injured by lawn mowers
every year in the U.S., especially in rural areas, according to the Journal of the American Academy of Orthopedic Surgeons. Lawn mowers are responsible for 12% to 19% of traumatic amputations among kids. Dana Fisher, chairman of Virginia Farm Bureau Federation’s Safety Advisory Committee, advised against allowing children or pets to be nearby while mowing. “Lawn mowers are powerful and potentially dangerous machines that are designed for one operator,” Fisher explained. “Adding an additional child rider makes it harder for the operator to control the machine, and could lead to the child falling off and being seriously injured.” For more information regarding mowing and ATV safety, visit Farm Bureau’s safety resource page at bit.ly/38IVyzV.
More tips for safety while mowing: • Wear close-toed shoes, fitted clothing and ear and eye protection. • Clear the area of all loose objects that could become projectiles. • Disengage the blade before starting the engine. • Make sure all guards and safety shields are in place. • Never disengage any safety switches or devices. • Never refuel the mower when its engine is hot or running. • Avoid mowing wet grass. • Turn off the engine before cleaning the area under the deck.
Parents are advised to supervise children on ATVs and set a good safety example.
Prioritize safety while enjoying ATV activities Riding all-terrain vehicles is a recreational pastime, and ATVS are useful for landowners. But with a documented uptick in accidents, families are urged to take precautions as the weather becomes more favorable for outdoor activities. A recent report from Marshfield Clinic Research Institute revealed ATV injuries among children are on the rise, and are likely linked to the pandemic, as more children have been at home. “More home time means more opportunities to use ATVs, and unfortunately that means more opportunities for accidents,” said Dana Fisher, chairman of Virginia Farm Bureau Federation‘s Farm Safety Advisory Committee. According to the American Academy of Pediatrics, approximately 40,000 children under 16 are treated in emergency rooms for ATV-related injuries each year. Most injuries are sustained when riders are thrown off an ATV, and in crashes or rollovers. ATV-related deaths involving children under 16 accounted for more than 1 in 5 of the 15,000 ATV-related deaths in the U.S. between 1982 and 2017, according to the Consumer Product Safety Commission. VFBF’s safety committee shared some tips to prepare for riding ATVs: • Ensure an ATV that will be used by a child is sized correctly for the child. Children should be able to rest their feet on the footrests and easily reach the handlebars. • Wear properly fitting safety gear, especially U.S. Department of Transportation-compliant helmets that fit a child’s head. • Enroll children in an ATV safety class through your local ATV dealer or Virginia Cooperative Extension agent. Take a free online course at ATVsafety.org.
Children's helmets should fit properly.
• Disconnect the spark or electric plug before troubleshooting or repairing the mower.
• Parents should supervise children, ensuring they know how to operate an ATV safely, and demonstrate safe riding themselves.
• Never leave a running mower unattended.
• Do not carry passengers.
• When mowing on a slope with a riding mower, mow down the slope. When push-mowing a slope, mow across the slope.
• Stay off public roads; only ride on designated trails at a safe speed.
-Virginia Cooperative Extension
• Never ride under the influence of alcohol or drugs.
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Keep the focus on fun by properly insuring your recreational vehicles BY ADAM CULLER
B
oats, motorcycles and RVs all can be catalysts for carefree summertime fun, but it’s important that they’re properly protected with insurance coverage before they’re used. Virginia Farm Bureau can provide coverage for a variety of recreational vehicles, offering policyholders peace of mind.
Boat insurance With a properly endorsed boat insurance policy, also known as a navigator policy, boats are covered in and out of the water. Boat owners can purchase coverage for personal-use watercraft such as fishing boats, motor boats, pontoon boats and Jet Skis, as well as coverage for trailers and other equipment needed to tow them. A standard policy will cover property damage to a boat, its motor and other valuable on-board accessories, such as communication devices and radar instruments. The policy also provides liability coverage to help pay for injuries sustained by passengers in the event of an accident, as well as damage done to other boats. Additional coverage that can be purchased includes towing and emergency services and personal property and uninsured boater protection. For policyholders who intend to share ownership of a boat— or any vehicle—with family or friends, it’s important that each person on the title be listed as an insured and each operator listed as a driver on the policy. Otherwise, losses incurred by owners not listed on the policy may not be covered.
Motorcycle insurance Motorcycle coverage is similar to what’s offered through standard auto insurance policies, and bikes can be protected under a preexisting policy or on a separate one. Motorcyclists can opt for the same coverages available to passenger vehicles—liability, collision and comprehensive coverage, which offers protection against damage caused by other vehicles, thieves, vandals and weather. Additional protection against uninsured motorists, medical expenses and income loss due to an accident also may be purchased. Lisa Whitus, personal and commercial lines underwriting manager for Virginia Farm Bureau Mutual Insurance Co., noted motorcyclists should be mindful of liability coverage due to the dangers associated with motorcycles. “Motorcycles are much smaller vehicles, so they’re not going to do a lot of property damage like other larger vehicles would,” Whitus said. “But, because motorcycles offer their drivers and passengers little protection, accidents can cause severe injury or death. That’s why it’s important to keep in
Navigator policies provide insurance for boats—both in and out of the water.
mind the potential costs of bodily injury.” To compensate for above-average injury risks, Whitus recommended policyholders purchase liability limits of $100,000 per person per incident for bodily injury, and $300,000 in coverage for an entire accident. She also recommended bikers endorse their policies with $50,000 for total property damage.
Motorhome and RV coverage Camper vans, travel trailers and full-size RVs also can be covered under an auto policy. Insurance needs often depend on the type of vehicle, but liability, collision and comprehensive coverage are available on most recreational vehicles. Other optional endorsements include coverage for pets, electronic equipment and transportation and towing expenses.
ATV coverage Most homeowners can endorse an all-terrain vehicle on their home insurance policies if the vehicle will only be used on the premises of the insured property. Coverage under a homeowner policy provides limited protection for damage, liability and theft claims. However, if a policyholder plans to use their ATV elsewhere, it must be insured under an auto policy. Customers can then purchase coverage for bodily injury and property damage liability, collision and Other Than Collision, medical payments and protection against uninsured motorists. To learn more about coverage options for ATVs, boats, motorcycles and RVs, contact your Farm Bureau insurance agent. vafb.com / SPRING 2021
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Heart of the Home
PIMENTO CHEESE: a favorite Southern staple
T
he “pâté of the South” is how some refer to pimento cheese. But what some might not know is that while this delicacy is synonymous with the South, its origins are in New York. According to food historians, it started when New York farmers began making cream cheese in the 1870s. During the same period, the U.S. started importing pimientos, sweet red peppers from Spain. The two ingredients were combined, and the second ‘i’ in pimento was eventually dropped. While the spread originally was sold as a prepared food, home cooks started
Pimento Cheese
creating their own versions after World War II. Expensive to import, pimentos were grown for canning in Georgia, and the popular cheese was fine-tuned in Southern kitchens. The variations and applications of pimento cheese are limitless. Just about any type of cheese can be used, though a sharp cheddar is traditional. A simple spread, pimento cheese can be dressed up or dressed down. It can be enjoyed with crackers or added to grilled cheese sandwiches, burgers, hot dogs, toasted bagels, baked potatoes and even deviled eggs.
8-ounce package cream cheese, softened
½ cup milk
¾ cup Miracle Whip or mayonnaise
2-3 tablespoons butter, melted
INGREDIENTS
¼ teaspoon cayenne pepper
8-ounce package cream cheese, softened
¼ teaspoon garlic powder
DIRECTIONS
2 cups shredded, extra-sharp cheddar cheese
¼ teaspoon onion powder
In a large mixing bowl, mix together flour, baking powder and salt.
⅓ cup mayonnaise
4-ounce jar diced pimientos, drained
1 pinch of garlic powder
1 tablespoon sour cream
Cut in butter with a pastry blender until crumbly. Refrigerate for about 1 hour until well chilled.
4-ounce jar diced pimientos, drained
dash of hot sauce, optional
Heat oven to 400°.
DIRECTIONS
DIRECTIONS
In the bowl of an electric stand mixer, beat cream cheese on medium speed until creamy. Add shredded cheese, and continue beating until light and fluffy. Mix in the mayonnaise and garlic powder. Stir in the pimiento, cover, and chill overnight.
Either in a stand mixer with a paddle attachment, or in a bowl with a spatula, combine all ingredients and mix until well blended. Serve chilled with your favorite crackers or tortilla chips.
Remove the flour mixture from the fridge, and stir in the pimento cheese until it’s incorporated, and the mixture looks crumbly.
—Mary Jane Jones, Tazewell County, in Cooking Virginia Style with Farm Bureau Women
Spicy Pimento Cheese Spread
Pimento Cheese Biscuits 2 cups all-purpose flour 1 tablespoon baking powder
1 cup shredded Monterey Jack cheese 1 cup shredded extra-sharp cheddar cheese
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—Recipe adapted from Southland Dairy Farmers
INGREDIENTS
INGREDIENTS
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2 tablespoons diced jalapeno peppers
salt, to taste ⅓ cup butter 4 ounces pimento cheese (either premade or use one of the previous recipes)
Slowly add enough milk until a dough forms. Turn dough onto a floured board, and knead just until a ball forms. Pat out the dough to about ½" thick, and cut with a circle biscuit cutter. On a greased baking sheet, place dough rounds side by side. Brush tops with melted butter. Bake for 10- 12 minutes or until golden brown. Remove from the oven, and brush the tops again with melted butter. —Recipe adapted from Clemson University Cooperative Extension
Cheesehead Sliders with Pimento Cheese INGREDIENTS 1 pound ground beef, 93% lean or leaner ½ cup beer ¼ cup soft bread crumbs 2 teaspoons chopped garlic ¼ teaspoon salt ⅛ teaspoon pepper
¼ cup pimento cheese (either pre-made or use one of the previous recipes) 8 slider buns or small dinner rolls, split DIRECTIONS In a large bowl, combine ground beef, beer, bread crumbs, garlic, salt and pepper. Mix lightly but thoroughly. Shape into eight ½" thick small patties.
ALICE KEMP
Classic pimento cheese is considered a Southern staple, but it originated in New York. No matter its origin, it's good with crackers.
preheated gas grill, covered, for 7-9 minutes), turning occasionally, until an instant-read thermometer inserted into the center of the patties registers 160°. When done, remove from the grill and place burgers on the bottom half of the slider buns. Evenly spread cheese over the burgers. Add top bun, and serve. —Recipe adapted from the National Beef Council
Place patties on a grill rack over medium, ash-covered coals. Cover and grill 8- 10 minutes (or, over medium heat on a vafb.com / SPRING 2021
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| MEDICARE ADVANTAGE cont'd from page 22 »
also may include dental, hearing and vision coverage, fitness allowances and reimbursements for assistive devices and over-the-counter drug purchases. Supplemental benefits vary by plan. A study commissioned by the Better Medicare Alliance revealed the number of supplemental benefits offered by Medicare Advantage plans increased in 36 of 41 categories over the past year. Notably, meal benefits now are provided in 57% of all Medicare Advantage plans, and 46% include transportation services to and from doctors’ visits. Charles Sowers, senior market account executive for Virginia Farm Bureau Health Care Consultants, said Medicare Advantage plans’ resemblance to group policies offered by employers have helped drive understanding and popularity. He noted that subscribers are subject to higher premium costs with Medicare Supplement Plans, so the low-cost premiums of a Medicare Advantage Plan offer significant value in cost and coverage. “With Medicare Advantage, there are low-premium plans that are going to include both medical and drug coverage, whereas with a Medicare Supplement Plan subscribers
have to purchase drug plans separately,” Sowers said. “So rather than spending upwards of $150 to $200 per month for coverage with a Medicare supplement, they’re instead paying $0 to $50. That makes a big difference for some folks out there.” While low premium costs can be enticing, it’s important to keep other factors in mind when shopping for coverage, said Gina Gentilini, senior account executive for HCC. Before deciding on a plan, customers should consider their benefit needs, possible out-of-pocket expenses, prescription costs and whether their providers are enrolled in a plan’s network. “The key is to focus on the big picture of what the overall cost of care will be,” Gentilini said. “It’s important to do your research, and have a trusted advisor to help you compare the two types of coverage—Medicare Advantage and Medicare supplements—to see which one is going to be the best for you.” For more information on Medicare Advantage plans, or to attend one of the free Medicare educational seminars offered through September, contact your local Farm Bureau office or call 800-229-7779.
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*Farm Bureau Bonus Cash is exclusively for active Farm Bureau members who are residents of the United States. $500 Bonus Cash on the purchase or lease of an eligible new 2020/2021/2022 Ford Ranger, F-150 or Super Duty.® This incentive is not available on F-150 Raptor, F-600, F-650 and F-750 Super Duty®. This offer may not be used in conjunction with most other Ford Motor Company private *Must be a valid member of Farm Bureau for 30 days and have a valid email address to be eligible for John Deere Rewards benefits. incentives or AXZD-Plans. Some customer and purchase eligibility restrictions apply. Must be a Farm Bureau member for 30 consecutive days prior to purchase or lease and take new retail delivery from an authorized Ford Dealer’s stock by January 3, *Must be a valid member of Farm Bureau for 30 days and have a valid email address to be eligible for John Deere Rewards benefits. 2022. Visit FordFarmBureauAdvantage.com or see your authorized Ford Dealer for d member of Farm Bureau for 30 days and have a valid addressfor to be forhave Johna valid Deereemail Rewards benefits. *Must be a valid member of email Farm Bureau 30 eligible days and address to be eligible for John Deere Rewards benefits. qualifications and complete details. Note to dealer: Claim in VINCENT using #37860. *Must be a valid member of Farm Bureau for 30 days and have a valid email address to be eligible for John Deere Rewards benefits.
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CULTIVATE 2021-FD_FB-VA-3.6875x4.8125-Ad-Q2-v2.indd 1
3/24/21 12:42 PM
Be wary of damage, ‘storm chasers’ throughout hail season
V
BY ADAM CULLER
irginia’s hail season is April through June, so it’s not too late to ensure your property is protected from severe storms and their damages. As most Virginians know, thunderstorms quickly can turn into hailstorms, producing hail large enough to cause extensive damage to homes and vehicles. Hailstorms frequently damage homes’ roofing and siding, and automobiles are susceptible to dents, dings and windshield breakage. Most homeowner insurance policies provide coverage for stormdamaged roofing and siding, and auto policyholders who have Other Than Collision coverage also are protected from weather damage. Despite these losses being covered in most cases, homeowners should be proactive in thoroughly inspecting their property after hailstorms, said Laurie Gannon, Virginia Farm Bureau Mutual Insurance Co. vice president of claims. Homeowners should then report damages to their insurance agent to start a claim, Gannon added. Farm Bureau will assign an adjuster to assess the damage. If it’s a covered loss, a payment will be issued per the terms of the customer’s home or auto policy. In addition to making sure their property is covered before a hailstorm occurs, Gannon also noted consumers should be cautious of “storm chasers” in its aftermath. Within the insurance industry, storm chasers are contractors—usually from other states—who target areas where severe weather has occurred. They offer unreliable services on unnecessary roofing repairs. According to the Insurance Institute for Business & Home Safety, stormchasing contractors often fail to complete contracted repairs, and
some will offer “free inspections” to intentionally damage homeowners’ roofs to secure a sale. Together with the National Insurance Crime Bureau, IBHS has created resources to help consumers identify fraudulent contractors. Gannon said homeowners often can identify fraud when contractors claim a roof was the only part of the home damaged by a hailstorm. “With hailstorms, there usually is collateral damage—typically there’s not going to be damage to just your roof,” she said. “You should look around to see if your siding, gutters, window screens or even your heat pump unit
are damaged. To a homeowner, this type of damage usually is obvious if the hail is large enough.” Gannon said it’s important for customers to trust that their insurance agents have their interests covered when claims are submitted. “In most cases, our agents and adjusters have had long-term relationships with their customers, and we have always been committed to providing them with outstanding service,” she said. “We want our customers to trust in the fact that if they suffered a covered cause of loss, we will be there for them to pay for the damage.”
Virginia thunderstorms can turn into hailstorms that damage homes and vehicles. Most automobile or homeowner policies cover hail damage but it's best to check with your agent about what losses are covered. vafb.com / SPRING 2021
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Your to-do list just got easier. If you have an upcoming policy or membership payment, try QuickPay on vafb.com. Pay securely without a password. • Pay insurance premiums and annual membership dues without having to create an account or track down your password.
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“Member” and “Membership” refer to a membership in a county Farm Bureau®. Membership is open to everyone. Insurance products are benefits available exclusively to members. All insurance products are underwritten and provided by Virginia Farm Bureau Mutual Insurance Company® and affiliates.
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