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FALL 2014
KNOW THE BALLOT ISSUES
Your vote matters
Ghost Towns of Arkansas
HOLIDAY RECIPES
Make a pumpkin roll Mashed sweet potatoes with sweet onions
Places that thrived and died A
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Arkansas Farm Bureau • FALL 2014
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In This Issue
Farm Bureau Matters Randy Veach | Page 3
Thinking Out Loud
Rodney Baker | Page 5
Ghost Towns of Arkansas Keith Sutton | Page 8
Know the issues
Michelle Kitchens | Page 18
Taste Arkansas
Julie Kohl | Page 24
Health & Safety
K. D. Reep | Page 30
In the Kitchen
Lyndi Fultz | Page 34
Delta Child
Talya Tate Boerner | Page 36
On the Cover
This blacksmith shop, built in 1925, stands as a reminder of better days in the ghost town of Rush. Standing nearby, it’s easy to imagine the roar of the blacksmith’s forge, the hiss of a bellows and the clang of metal striking metal. Photo by Keith Sutton
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Farm Bureau Matters
by Randy Veach | President, Arkansas Farm Bureau Federation
Foreign trade support needed
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fter a close-and-personal look at the inner workings of the World Trade Organization (WTO), I’m concerned this world-stabilizing organization is on the brink of irrelevancy. That result could have staggering effects on the world economy, hurting consumers across the country. As part of the American Farm Bureau Trade Advisory Committee, I was fortunate to travel to Geneva, Switzerland recently to meet with WTO Director General Roberto Azevedo and other trade leaders. Our goal was to increase trade agreements that would reduce, if not eliminate, government-imposed barriers to agricultural trade. It was humbling for a farmer from Mississippi County to represent Arkansas Farm Bureau members and the country’s farmers and ranchers at the WTO discussion table. The WTO is made up of 160 countries that have agreed to certain trade-facilitation standards. These principles impact about every product legally traded between these countries. The WTO also serves as the “court of appeals” for international trade disputes. The WTO is vital to fair trade and negotiation. The U.S. in particular, faces challenges in dealing with country-to-country, bilateral trade agreements because of the broad nature of the commerce we do worldwide. As a result, we have far fewer bilateral agreements than other major trading nations. Remember, the only U.S. business sector with a positive world trade balance is agriculture. This puts food consumption in the crosshairs of any changes to trade policy. However, the value of the WTO has been openly questioned by some of its member-countries during the past several years. In fact, the last meaningful changes to WTO trade regulations occurred in 1994, when it finally passed the “Uruguay Round” of negotiations. WTO officials have worked for years on the “Doha Round,” but no firm agreements have passed because of competing factions within the WTO. Most recently, the “Bali Package” of negotiations was concluded to clean up the Doha Round. That package was seemingly agreed upon, though at the last minute India raised
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objections over the right of countries to “stockpile” agricultural commodities that, in essence, impact world commodities markets. While in Geneva we met with the Indian trade ambassador and stressed to her the importance of meaningful trade agreements that benefit all parties. I believe she was listening. I hope she was listening. There are those in the WTO who are ready to give up on the role of the WTO. They cite the WTO’s inability to move on trade negotiations and suggest the organization no longer can do what it was created to do. I share that frustration, but we must push beyond this barrier and validate the purpose and role of the WTO. Without the WTO, most U.S. trade agreements will be thrown aside and the limited bilateral trade agreements we have will be our primary trading avenues. This would put many of the products we enjoy in the U.S. – electronics, food, automobiles, clothing, etc. – within a perilous trade vacuum. Continuation of stable U.S. trade around the globe is dependent on a clearinghouse for world trade agreements. For the sake of world trade stability, we need to get the Bali Package passed and enable the WTO to, once again, fulfill its role. God bless you and your families. God bless our farmers and ranchers. God bless Arkansas Farm Bureau.
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Thinking Out Loud
by Rodney Baker | Executive Vice President, Arkansas Farm Bureau Federation
Your vote (or not) speaks volumes
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’ve been involved in the sausage making called public policy development for more than 30 years. No doubt, there are a lot of ingredients that go into the recipe and steps in the process of making good public policy. The Arkansas Farm Bureau team works hard making sure the best interests of its membership driven policy recommendations get as fair consideration as possible during the legislative sessions that follow the general elections each year. It’s our job to advocate for policies that strengthen the interests of agriculture, the largest contributor to the state’s economy. Our policy team works daily, both at the state and federal levels, to make sure agriculture remains a sustainable and viable livelihood for our farmers and ranchers who provide the raw materials for our food, fiber, alternative fuels and shelter. We’re involved in that sausage making process regardless of the party affiliation of the legislative members or those of the executive branch of government. That’s our job to do, but you’ve got a job to do, too. Vote! I’ve always believed that the job of making good public policy is best served when the public gets out and does its job on Election Day by participating in the voting process concerning candidates and issues. An empowered electorate can do great things. In this country, voting is one of the most empowering acts of community service and patriotism that every citizen of 18 years old and above can and should do. The idea that the so-called “silent majority” – those of voting age who don’t vote (some 53 percent in Arkansas in 2010 when we last had a race for governor) – as being the loudest voice of the American people should be a cause for great concern. You’ve heard the complaints at work or among neighbors and friends. “Aw my measly ol’ vote doesn’t count. They’re going to do what they’re going to do no matter what I say.” This country was founded 238 years ago during the Revolutionary War, and blood was shed because we were a people with no say in a government in England that ruled
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Arkansas Farm Bureau • FALL 2014
us from across an ocean. It’s been less than 100 years since women secured the right to vote in this country via the 19th Amendment to the U.S. Constitution in 1920. And the federal Voting Rights Act of 1965 finally forbade racially motivated efforts to exclude minorities from voting. The fight to ensure the right to vote for citizens of age in the United States ended less than 50 years ago.
I’ve always believed that the job of making good public policy is best served when the public gets out and does its job on Election Day by participating in the voting process concerning candidates and issues. An empowered electorate can do great things. In this country, voting is one of the most empowering acts of community service and patriotism that every citizen of 18 years old and above can and should do. The right to vote is a precious exercise and example of freedom won over time at great cost. We are a people that should be deeply motivated to vote. I hope you are. There are five constitutional initiatives on this year’s ballot. Our board of directors thought it was important enough to help explain them in this magazine. With races for governor, lieutenant governor, attorney general, state treasurer, a U.S. Senate seat and four congressional seats in the U.S. House of Representatives among other state and local races to be decided, your vote matters greatly. So, please vote. On Nov. 4, it should be the priority of your day.
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HOlIDAyS In the ozarKs
ooking ahead to the holidays, mark your calendars for these fun festivities during the most wonderful time of the year. Explore the living tradition of Ozark crafts and music at The Craft Village TuesdaySaturday from 10 a.m. to 5 p.m. through November 29.
H O L I D A Y E V E N T S
October 31: After Dark in the Park November 6-8: Annual Fall Bluegrass Festival November 15-16: Ozark Storyteller’s Gathering November 19-22: Folk School – Make it a Handmade Christmas November 27: Thanksgiving Day Buffet at the Skillet Restaurant and evening gospel concert. Free admission to Craft Village. December 12-14: Christmas in the Ozarks – Christmas dinner theater and caroling by the Glover family. Full package includes lodging, dining and Caroling in the Caverns at Blanchard Springs with transportation provided. Visit OzarkFolkCenter.com today and begin your Ozark Adventure.
M O U N T A I N V I E W, A R K A N S A S
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Cabin Reservations: 800-264-3655 • Information: 870-269-3851 • OzarkFolkCenter.com
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Arkansas Farm Bureau • FALL 2014
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Ghost
Rush
What remains of the old zinc-mining town of Rush lies within the Buffalo National River in Marion County. During the heyday of the Ozark Mountains community, several thousand people lived and worked there, but Rush was completely abandoned by the 1950s.
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Towns of Arkansas article and photos by Keith Sutton
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here 1,300 people once lived, worked and played, nothing but scattered ruins remains. The town died. Only ghosts inhabit it now.
Arkansas Farm Bureau • FALL 2014
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Standing alone in the crumbling relics of Forester in southeastern Scott County, I tried to fathom what quirks of fate could lead to the abandonment of such a vibrant community. Founded as a sawmill town in 1930, Forester had houses, schools, churches, stores, a theater, post office, drugstore, barber shop, 28-room hotel, railroad depot, car dealership, ball park, community hall, sawmill and a gigantic lumber shed — 80 feet wide, 1,000 feet long and 50 feet high — reputed to be the largest in the South. The town had its own water system and power plant, and there was
free health care for all, provided by a company-paid doctor. And yet, less than a quarter century after its founding, the people who called this place home moved elsewhere, and, board by board, the entire city was torn down. By the mid-1950s, Forester was a ghost town. If you visit Forester, it’s hard to imagine its glorious past, but such is the case with all Arkansas ghost towns. A historian might have little trouble looking at the dusty remnants and imagining what was there. For most of us, however, such scenes seem unfathomable. A place once bustling with people has vanished. Ghost towns fascinate us, nevertheless. Many people seek them, so they might look into the past and better understand our history. And, fortunately, several sites in Arkansas are preserved well enough we can visit and imagine days gone by. These are the stories of some of those places.
Forester
Forester
Had it not been for the use of concrete in its construction, the huge sawmill at Forester might have disappeared forever after the town’s abandonment in the early 1950s. Today, Scott County residents often refer to the strangely shaped ruins as Arkansas’ Stonehenge.
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Thomas Rosborough with Caddo River Lumber Company founded Forester in 1930. He named it for Waldron businessman Charles Forrester, dropping one “r” from the name to suggest the town’s forest setting. The Forester mill, which cut its first log in July 1931, was the largest sawmill of hundreds in the Ouachita Mountains in the early 20th century. The busy town quickly grew up around it. The mill burned in 1938, but a new one was running in six months. After that, Forester temporarily gained population as folks moved in from closed mills elsewhere. When World War II began, however, things took a downturn. Many citizens entered military service or migrated to defense plants in the North and on the West Coast. From 1940 to 1950, Forester’s population dropped from 1,306 to 818, but the mill continued operating, producing 3 million board feet of lumber monthly. The end came in 1952, when Dierks Lumber and Coal Company, which purchased Caddo River’s operations in 1945, announced the mill was closing. “Most areas in the vicinity have been cut over, and the remaining timber is too small for milling,” a company spokesman said at the time. On Sept. 3 that year, the last boards came off the headsaw. Employees were called together, and the foreman wished them good luck. The planing mill operated until New Year’s, but by then, most townspeople were gone. After it was abandoned, the Forester townsite became a cattle pasture. It remained so for 20 years until a new landowner, Weyerhaeuser, planted the area in seedling pines. Forester had symbolized the end of the old “cut and get out” era of lumbering, and now the same ground nurtured a tree plantation, evidence of changed thinking about forest management. Forester is gone but not forgotten. Each year, descendants of the townspeople return for a reunion.
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Rush
Zinc mining was a dangerous profession for miners in Rush who had to dig and extract ore from long narrow passageways like this. A trail takes today’s visitors past several mine entrances, but entry into the mines is prohibited.
A 9-acre tract at the sawmill site is now a park with campsites, a pavilion, a 11/2-mile interpretive trail and a fishing pier on the old log pond. Access is from Winding Bend Road off Highway 28 between the Scott County communities of Cedar Creek and Harvey.
Rush
In 1880, John Wolfer, Bob Setzer and J.H. McCabe moved to Buffalo River country in the Arkansas Ozarks. The prospectors had heard tales about lost silver mines in the area and hoping to get rich with a find of their own, they spent months tunneling for ore. The men’s dreams seemed to come true when an erroneous 1886 assay report showed $8-a-ton worth of silver in their ore. They built a smelter to extract the precious metal, but on firing it, greenish smoke from the stack indicated they had discovered not silver, but zinc. At the time, zinc was used in making brass, which found its way into products as diverse as door knobs, bullet casings, musical instruments and zippers. Zinc also was rolled into sheets for roofing, pulverized for paints and melted to make galvanizing. Its value was far less than silver or gold, but the large deposits of high-grade ore in Marion County quickly turned into a boon for the backwoods area. Major mining operations began when the Morning Star Mine opened in 1884. More mines followed: the Red
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Cloud, Monte Cristo, Lonnie Boy, Yellow Rose, White Eagle, Lucky Dutchman, Dixie Girl, Bonanza, Philadelphia, Monte Carlo and others. A community of homes and businesses grew in the mining district, and by 1890, the town was officially named Rush and had its own post office. Rush’s heyday came when World War I started in 1914. The demand for higher-quality zinc became urgent as the war escalated, and as the need for zinc increased, the price skyrocketed. Workers streamed into Rush. At one time, several thousand people lived there, making it the largest city in north Arkansas. As the war wound down, so did mining, but Rush maintained a community identity until the post office closed in the 1950s. Gradually, the remaining inhabitants left, and Rush became a ghost town. In 1972, it was included in lands acquired to create Buffalo National River. Today, visitors can see several sites important in the history of Rush, including the 1886 smelter, the TaylorMedley store, a blacksmith shop, livery barn site, the Morning Star processing mill and homes dating back to 1899. A hiking trail passes the entrances of several mines, now closed. Access is from Highway 14 ten miles south of Yellville. Watch for the signs. A visitor’s guide is available at www.nps.gov/buff/planyourvisit/upload/Rushletter.pdf.
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Peppersauce
Calico Rock in Izard County sits above the calico-colored White River bluffs for which it is named. Early in its history, it acquired a reputation as a tough frontier town. Loggers, river men and railroad workers frequented the town’s many taverns. Knife fights, fist fights and gunfights were common, especially when the rogues were drinking local moonshine called “Peppersauce.” Eventually, the rowdier part of town east of Calico Creek was nicknamed Peppersauce Alley or just Peppersauce. When the railroad was built in 1902, more homes and businesses sprang up, and, by the 1920s, Peppersauce was thriving. There were schools, churches, several groceries, a grist mill, lumber mill, feed store, ice plant, electric plant and even Ford and Chevy dealers. But by the late 1940s, as timber was logged off and farmers turned to raising cattle instead of cotton, people left town looking for work elsewhere. Many businesses closed, and by the 1960s, trains no longer stopped. Eventually, everyone moved away. Peppersauce became a ghost town. Calico Rock experienced a resurgence in the 1990s and afterward. A new state penitentiary brought jobs, and the tourism industry grew as anglers came for the famous White River trout fishing. A group called the Calico Rock Organization for Revitalization (CORE) helped refurbish many commercial buildings and homes on Main Street and elsewhere.
Across the creek in Peppersauce, however, the old town was falling apart. Some buildings burned. Others caved in due to leaky roofs and heavy snow. Vines and weeds smothered the old town. In some places, developers might have seized the opportunity to buy the cheap, abandoned property — level everything and start again. But that didn’t happen here. Members of CORE decided Peppersauce should be saved, and the “ghost town within a town,” preserved without any restoration, has become a tourist attraction. Visitors can walk or drive through the six-block area and see the tiny town jail, a pool hall/tavern, barber shop, theater, café, lumberyard, telephone exchange, cotton gin, feed store, funeral parlor, electric company and more. Signs tell the history of each. For more info, visit www.calicorocket.org/ghosttown.
Monte Ne
In 1901, 49-year-old William “Coin” Harvey, often called “one of the most colorful figures in American history,” bought 320 acres in a spring-fed valley near Rogers. Harvey already had enjoyed successful careers as a school teacher, lawyer, silver miner, politician, geologist and bestselling author. Now he embarked on a new venture: building a secluded Arkansas resort where visitors could “get away from it all.” He named his town Monte Ne, meaning “Mountain Water,” and laid out a plan of streets, buildings
Peppersauce
A walk through Peppersauce Alley in Calico Rock leads past the remains of many old businesses in the once-vibrant town, including this building, which served as the funeral home in the 1920s.
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Monte Ne
Today, little can be seen of Monte Ne because the ruins of the Ozarks resort now lie beneath the waters of Beaver Lake. This three-story structure — the tower section of the old Oklahoma Row hotel — is the only structure still standing that can be seen at normal lake levels.
and parks. The downtown area had a bank, livery stable, grist mill, general store, post office and newspaper office. Harvey dammed local springs to create small lakes and lagoons, and built a railroad from Lowell to bring visitors. Thousands of travelers soon made their way to the beautiful Ozark resort. They were greeted at the depot by Venetian gondolas waiting to transport them along the lagoons to their hotels. Visitors stayed in two spectacular log hotels, the largest in the world, known as Oklahoma Row and Missouri Row. Each building was 300 feet long and had a fireplace in every room. Harvey provided a dance pavilion, Arkansas’ first indoor swimming pool, tennis courts and even a golf course for his guests’ entertainment. Harvey’s dream of an Ozarks nirvana was short-lived, however. His bank failed. The railroad went under. His son Hal died, and son Tom left for good. And, by 1917, Monte Ne’s popularity had greatly declined. Harvey wanted to finish one last project, however: a 130-foot-tall obelisk called “The Pyramid” where he could store a time capsule for future generations. Unfortunately, funds were exhausted on the pyramid amphitheater. The pyramid itself was never built, and by this time, Harvey had sold off his hotels, too. Harvey died at his home in Monte Ne in 1936 and was laid to rest in a tomb nearby. The rest of Monte Ne’s buildings were sold and used for other purposes, such as a girl’s camp and Arkansas National Guard training facilities. What led to Monte Ne’s complete demise, however, was the completion of Beaver Lake in 1964, which inundated most of the remaining structures. For all intents and purposes, Harvey’s Monte Ne is gone. One would need scuba gear to see most of the ruins. In times of drought, however, some structures become visible again. On a visit this summer, Beaver Lake was low enough I could walk through parts of the old amphitheater and Missouri Row hotel. The three-story, stone-and-concrete tower from Oklahoma Row sits on a high point by the lake and can be seen year-round. But a high fence surrounds it now, erected by the U.S. Army Corps of Engineers to keep sightseers out. Monte Ne was added to the National Register of Historic Places in 1978. Today, it’s a community of about 2,600 and includes a church, restaurant, campground and marina. To visit the ruins of Harvey’s Monte Ne, follow Highway 94 east from Rogers to the lake. The road dead-ends at the site of the old amphitheater, now a boat ramp. The remaining ruins, and Monte Ne’s ghosts, can be seen on a short walk along the lakeshore.
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Ghost town trivia • Forester had a baseball team called the Forester Braves. Whenever they played, spectators overflowed the stands. One player was a tall, loose-jointed fellow named Reese Tatum who played third base and sometimes pitched. Tatum had played ball in the North with a team of comedians called the Ethiopian Clowns and often amused the crowds with his antics. He left Forester after just eight weeks, but went on to fame, not in baseball, but as the Clown Prince of Basketball, “Goose” Tatum of the Harlem Globetrotters. • A 12,750-pound chunk of zinc ore from Rush, the largest ever mined, was shown as part of Arkansas’ mineral exhibit at the Chicago World’s Fair in 1893. Called Jumbo by the miners, it won the “gold medal premium” for size and purity and achieved lasting national publicity for the Arkansas zinc region, stimulating investors to visit the Rush mines. Another large piece of Rush’s zinc ore won a blue ribbon at the St. Louis World’s Fair in 1904. • In 1932, at the age of 80, William “Coin” Harvey, founder of Monte Ne, ran for president of the United States. In doing so, he formed the Liberty Party and held its national convention at Monte Ne. It was the only presidential convention ever held in Arkansas. Harvey lost the election in a landslide to Franklin Delano Roosevelt. • In the 1920s, Ed Perryman opened a Chevrolet dealership and auto garage near Calico Creek in Peppersauce. Because he did not have a hydraulic lift in the garage, vehicles that needed repairs were driven or pushed up a large wooden ramp behind the building onto the second floor. Mechanics worked on the cars from the first floor through a hole in the ceiling.
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Arkansas Farm Bureau • FALL 2014
THANK YOU
Since 1994, MASH (Medical Applications of Science for Health) has provided an important early start toward medical education for rural Arkansas high school students. They’re the ones most likely to come back home to practice. 2014 MENTOR Partners UAMS Regional Centers Arkansas Blue Cross and Blue Shield Arkansas Farm Bureau Baptist Health Front Porch
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Thank you to the county Farm Bureau organizations for their support. Collectively they continue to be the largest contributor to the M*A*S*H program.
ruralhealth.uams.edu/M*A*S*H
Arkansas Farm Bureau • FALL 2014
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Farm and Ranch Families Provide...
Amber Bynum Miss Arkansas 2006 Kristen Glover Miss Arkansas 2011 Lacy Glover Miss Arkansas 2004
• Safe affordable food • 27% of Arkansas jobs • 75% of wildlife habitat 16
growingarkansas.org Front Porch
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Arkansas Farm Bureau • FALL 2014
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Arkansas Farm Bureau • FALL 2014
17
Know the
Issues
Your vote matters by Michelle Kitchens
18 18
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Arkansas Farm Bureau • FALL 2014
The Arkansas General Assembly is allowed to refer up to three items to the voters every two years. Photo by Gregg Patterson
I
t’s never been more difficult – even in today’s modern age of politics to get the “real story” about the people and issues on the ballot. TV ads, social media and direct mail pieces from interest groups rarely provide anything but sound bites or, worse, half-truths. Arkansas Farm Bureau Federation is an advocacy group, created more than 80 years ago to work on behalf of farmers and ranchers. One of the most important parts of its mission statement is to inform its membership. Our members need useful information to help them make informed choices at the ballot box. With the intense battles for U.S. Senate and governor, the five constitutional issues on the ballot haven’t gotten a lot of attention. But each has the potential to make significant changes in our state law. As voters, it’s important to get a preview of them before Nov. 4. The Arkansas General Assembly is allowed to refer up to three items to the voters every two years. In 2013, they narrowed down 20-plus bills to what are Issues 1, 2 and 3. Issue No. 1 – This proposed amendment would change the review and approval authority of the General Assembly concerning administrative rules. This change would allow the legislature to have approval authority over administrative rules. Presently, the legislature reviews but doesn’t approve rules. This new approval process could be done by interim committees or during the regular sessions. Opponents of this change believe this diminishes authority of the executive branch, creating a more full-time job for a legislature that’s supposed to be part time and slowing the process for necessary rules. Supporters say it will give the legislature more needed influence over the rules process. Issue No. 2 – This amendment would create a requirement for ballot items initiated by the public. Presently, any petitioning group that turns in the necessary number of signatures (valid or not) gains an additional 30 days to gather signatures. Future ballot initiatives would be required to have at least 75 percent valid signatures of the required total in order to continue gathering signatures. They also would be required to meet the 75 percent threshold in at least 15 counties. Arkansas is one of 18 states to allow citizens to place issues on the ballot by gathering signatures. Issue 2 supporters think it will establish more accountability for petitioners and reduce the number of invalid signatures submitted on petitions. In recent years, many petitions have been submitted with tens of thousands of invalid signatures. Invalid signatures don’t help put items on the ballot, but they can provide petitioners an extra 30 days to gather signatures. Those against Issue 2 see it as
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Arkansas Farm Bureau • FALL 2014
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adding a roadblock to the citizen ballot initiative. For perspective, the two citizen ballot items on this year’s ballot would have at least met the overall 75 percent threshold. Arkansas Farm Bureau members have policy supporting a review of the initiative process with the possibility of making the process more stringent. Issue No. 3 – This issue is the most complicated item on the ballot, altering numerous laws concerning the state General Assembly, constitutional offices and judges. The amendment deals with four main items: • Campaign contributions; • Salaries for elected officials; • Legislators becoming lobbyists and prohibitions of gifts from lobbyists; • An extension of term limits for the General Assembly. If Issue 3 passes, only individuals, political parties, county political party committees, legislative caucus committees and approved political action committees (PAC) could make campaign donations. Legislators would have a twoyear “cooling off” period before they could become registered lobbyists (present law requires one year.) Members of the General Assembly and the state constitutional officers couldn’t accept gifts from lobbyists. The definition of “gift” does not include: • Informational material; • Gifts that aren’t used and are returned within 30 days; • Gifts from specifically listed family members but not if that family member is acting on behalf of a lobbyist; • Anything of value that is readily available to the general public at no cost; • Food or drink available at a planned activity to which a “specific governmental body” is invited. A “governmental body or bodies” is defined as an office, department, commission, council, board, committee, legislative body, agency, or other establishment of the executive, judicial or legislative branch of the state, municipality, county, school district, improvement district, or any political district or subdivision thereof; • Payments by a regional or national organization for travel to regional or national conferences at which the State of Arkansas is requested to be represented by a member of the General Assembly, the state’s constitutional officers or members of the independent salary commission; • Campaign contributions; • Inheritances. Issue 3 also would create a new salary commission that determines the salaries of the General Assembly, constitutional officers, justices and judges. The commission would have seven members and be appointed as follows: the governor (2), pro tempore of the Senate (2), the speaker of the House (2) and the chief justice of the
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Supreme Court (1). The General Assembly would still control its per diem and expenses. Finally, it would revise term-limit laws for members of the General Assembly. Legislators would be allowed to serve 16 years (consecutive or nonconsecutive). The present law allows three 2-year terms in the House and two 4-year terms in the Senate. Arkansas Farm Bureau policy supports extending term limits for members of the General Assembly. We also support the present laws related to political campaigns and candidates and believe those laws should be vigorously enforced. Issue No. 4 – This is a constitutional amendment placed on the ballot by citizen petition. It would allow liquor sales in every county in the state, eliminating the state’s patchwork of wet and dry counties. Supporters believe the amendment is good for local commerce and the tax base and needed for economic development. Opponents fear possible negative side effects of having local liquor sales and amendment passage would diminish local control. Issue No. 5 – This is a state statute also on the ballot thanks to citizen initiative. It would increase the minimum wage at the following intervals: A. $7.50; B. $8.00; C. $8.50. The present minimum wage in Arkansas is $6.25 an hour. Supporters believe the minimum wage needs to be increased to keep up with inflation and provide better wages for low income employees. Opponents say it will increase costs for businesses that will in turn pass that on to consumers. Arkansas Farm Bureau opposes an increase in federal minimum wage but has no position on state minimum wage. Additional information is available through the University of Arkansas Divison of Agriculture Public Policy Department on its website at http://www.uaex.edu. It provides detailed analysis of the ballot items. If you’re looking for more information about the candidates running for governor, U.S. Senate and U.S. House, visit Arkansas Farm Bureau’s website www.arfb.com. Voters can find video from our gubernatorial forum where candidates answered questions on topics from right-to-farm to taxes. Also available are the Senate and House candidates’ thoughts on the farm bill, the Endangered Species Act, Waters of the U.S., genetically modified organisms and immigration reform. No matter your party affiliation, we encourage our members to be informed and vote on Nov. 4. It’s your right, duty and privilege as a citizen. If there is a candidate forum in your area, we encourage you to take the time to attend, because few things matter more than whom we elect to run our state and nation.
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Arkansas Farm Bureau • FALL 2014
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Arkansas Farm Bureau • FALL 2014
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Arkansas Farm Bureau • FALL 2014
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Arkansas Farm Bureau • FALL 2014
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Ta s t e A r k a n s a s
Giant pumpkins
Photo by Julie Kohl
A-mazing fall fun Immersed in the joy of the harvest season by Julie Kohl
I
first discovered Peebles Farm in 2005 when the school I was working for took a group of children there on a field trip. The children got to go on a hayride, walk through a field of sunflowers, explore a corn maze and take home a small pumpkin at the end of the day. Peebles Farm has grown so much, and each year children, teens, college students and adults alike wait patiently, yet excitedly, for the announcement of the farm’s seasonal dates. The sign at the end of the farm’s long driveway is like a beacon beckoning patrons to come and enjoy the fun of the farm. The farm has
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expanded during the years and now offers a barnyard, corn cannon, play and picnic areas, country store with locally made products, concession stand and weekend bonfires. Last year, some health issues put stress on the family and the farm, and Dallas and Katie Peebles considered selling the farm. Yet, in true Arkansas farming fashion, they persevered, and they’re back this year. The pumpkins are ready to harvest, and the corn maze is a space of awe and wonder for children and adults alike. Dallas Peebles has been farming his whole life and grew up near Augusta. Katie grew up
in Vermont and was drawn to that southern charm of a handsome Arkansas boy. Just after Dallas and Katie married, they purchased the land that is now Peebles Farm in 1996 and began growing pumpkins and watermelons for the wholesale market. They farm 825 acres: 600 in soybeans and the remaining acreage for wholesale produce and the u-pick watermelon and pumpkin fields. They opened the pumpkin patch and corn maze to the public in 2005. I asked Katie Peebles what she thought most people would be interested to know about the farm, and she said people are
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Arkansas Farm Bureau • FALL 2014
always amazed at how the corn maze is created. Many farms around the country use a GPS method to cut their mazes. There are even companies that make programs with apps that farmers can download to their smart phones. The Peebles prefer to do everything by hand using a grid method. During the winter months, the family brainstorms ideas and works with a designer to plan the design. When it comes time to plant the corn, they lay out 200 vertical rows and 200 horizontal rows in a grid pattern. Once the corn grows to 1 to 6 inches, they begin removing corn not needed for the design. The rest of the corn grows, and they spend the late summer season weeding and leveling the paths. The corn maze is wheelchair, wagon and stroller accessible. This year’s design features the Arkansas Grown logo. Katie Peebles thinks Arkansas Grown is a great initiative that will encourage people to eat local foods and know their farmer. The Peebles pride themselves on transparency, and they’ll gladly share with you exactly what they’re doing and using to help protect their crop. The Arkansas Grown initiative promotes that level of transparency, and it’s something they are proud to be part of. Peebles Farm is a great place for families, but if you’re like me and are too old to be considered young anymore, you still need to go there for a day of fun. If you’re the type to go for a little excitement and adventure, try the corn maze at night. It’s thrilling, frightening and pure Halloween fun!
Aerial view of the corn maze.
Julie Kohl writes about her adventures with food, recipes, crafts and creativity on her blog eggsandherbs.com. As a former Yankee who was “converted” to the South by her husband, Julie has grasped rural life in a sleepy, blink-your-eyes-and-you’ll-missit town in east central Arkansas. She raises chickens, horses and English mastiffs and spends her summers off from teaching art growing an herb garden and crafting all kinds of delicious recipes.
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Arkansas Farm Bureau • FALL 2014
The pumpkin roll makes for a tasty treat anytime during the holiday season. Photo by Stephanie Buckley
Pumpkin Roll When you return from the farm loaded up with an assortment of beautiful pumpkins, you might want to cook a Peebles family favorite recipe. Katie Peebles uses this recipe for a traditional pumpkin roll she found in a 2005 issue of Taste of Home magazine. Ingredients Cake • 3 eggs, separated • 1 cup sugar, divided • 2/3 cup pumpkin • 3/4 cup all-purpose flour • 1 teaspoon baking soda • 1/2 teaspoon ground cinnamon • 1/8 teaspoon salt Filling • 1 package (8 ounces) cream cheese, softened • 2 tablespoons butter, softened • 1 cup confectioners’ sugar • 3/4 teaspoon vanilla extract • Additional confectioners’ sugar for dusting Directions 1. Line a 15-in. x 10-in. x 1-in. baking pan with waxed paper; grease the paper and set aside. In a large bowl, beat egg yolks on high speed until thick and lemon-colored. Gradually add 1/2 cup sugar and pumpkin, beating on high until sugar is almost dissolved. 2. In a small bowl, beat egg whites until soft peaks form. Gradually add remaining sugar, beating until stiff peaks form. Fold into egg yolk mixture. Combine the flour, baking soda, cinnamon and salt; gently fold into pumpkin mixture. Spread into prepared pan. 3. Bake at 375° for 12 to 15 minutes or until cake springs back when lightly touched. Cool for 5 minutes. Turn cake onto a kitchen towel dusted with confectioners’ sugar. Gently peel off waxed paper. Roll up cake in the towel jelly-roll style, starting with a short side. Cool completely on a wire rack. 4. In a small bowl, beat the cream cheese, butter, confectioners’ sugar and vanilla until smooth. Unroll cake; spread filling evenly to within 1/2 in. of edges. Roll up again. Cover and freeze until firm. It may be frozen for up to three months. Remove from the freezer 15 minutes before cutting. Dust with confectioners’ sugar if desired. Yield: 10 servings.
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Arkansas Farm Bureau • FALL 2014
“We recently had Final Touch Roofing install a Gerard Tile roof on a Tuscan style home that we are building. Our owners could not be more pleased with the final product. Their team was professional and stayed on the job until it was complete. We found that they were easy to work with and we will use them again in the future.” - Bill Parkinson Parkinson Building Group Little Rock, AR
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Arkansas Farm Bureau • FALL 2014
Doubles as a utility trailer!
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Notice of annual meeting
Of the members of Arkansas Farm Bureau Federation
N
otice is hereby given that the annual meeting of the members of Arkansas Farm Bureau Federation will be held at 8 a.m., Friday, Dec. 5, 2014, in Horner Hall at the Hot Springs Convention Center. The purpose of this meeting is to elect a board of directors for the ensuing year, to vote on a proposed bylaw change and an amendment to the Articles of Incorporation, and for the transaction of such other business as may properly come before the meeting. The following amendment to the bylaws, as indicated in italics, will be proposed: Article IV – Section 2. Number, Tenure and Qualifications: The number of Directors of the Federation shall be established from time to time by the Board of Directors, but in no event shall be less than fourteen (14). The Directors shall be elected by the voting delegates of the Federation at their annual meeting. Each Director shall serve until his or her successor is elected and shall have qualified. Each Director shall hold office for a term of two (2) years; provided; however, that the terms shall be staggered such that one-half of the positions shall be up for election in an even year and
one-half of the positions in each odd year. Any paid up member of a member county Farm Bureau shall be eligible to serve as a director. Provided, however, no more than one member of any county Farm Bureau shall be eligible to serve at the same time on the Board of Directors. Directors may serve one or more subsequent terms by reelection. Each Farm Bureau District shall at all times be entitled to at least two positions on the Board of Directors. The following amendment to the Articles of Incorporation will be proposed: Ninth Article of the Articles of Incorporation, which currently reads as follows: “NINTH: The name and address of the registered agent of this Corporation is Ewell Welch, Farm Bureau Center, PO Box 31, 10720 Kanis Road, Little Rock, Arkansas 72203.” Shall be amended to read as follows: “NINTH: The name and address of the registered agent of this Corporation is Rodney Baker, Farm Bureau Center, PO Box 31, 10720 Kanis Road, Little Rock, Arkansas 72203.” Rodney Baker, Executive Vice President
Of the members of Farm Bureau Mutual Insurance Company of Arkansas, Inc.
N
otice is hereby given that the annual meeting of the members of Farm Bureau Mutual Insurance Company of Arkansas, Inc. will be held at 1 p.m., Friday, Dec. 5, 2014, at the Embassy Suites, Hot Springs.
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®
The purpose of this meeting is to elect a board of directors for the ensuing year and for the transaction of such other business as may properly come before the meeting. Joe Christian, Secretary
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Arkansas Farm Bureau • FALL 2014
Get Covered, Stay Covered! Let Community Health Centers serve as your “guide” for health insurance options Community Health Center Locations
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This publication was partially supported with grant funds under grant number U58CS06851 from the Health Resources and Services Administration (HRSA), Bureau of Primary Health Care. Publication content is solely the responsibility of the participants and does not necessarily represent the official views of HRSA.
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Arkansas Farm Bureau • FALL 2014
FOR MORE INFORMATION ABOUT THE SERVICE OR TO GET A CAPTEL PHONE: n n
800-981-4463 www.arkansasrelay.com/captel
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health & safety
Awareness, education, detection, treatment
Keys to surviving prostate cancer by K. D. Reep
M
en in Arkansas have a one in seven chance of being diagnosed with prostate cancer in their lifetimes. For African-American men, those odds are much greater at one in four. Because prostate cancer is the secondleading cause of cancer death in men, the Arkansas Prostate Cancer Foundation (APCF) was created to raise awareness, increase timely detection and support
30
improved treatment of prostate cancer throughout Arkansas. According to the National Cancer Institute at the National Institutes of Health, prostate cancer is the malignant growth of cells that forms in tissues of the prostate, which is a gland in the male reproductive system found below the bladder and in front of the rectum. The American Cancer Society predicts that almost 2,370 men in Arkansas will be
diagnosed with prostate cancer in 2014, and 320 will die from it. Bev Eckert, executive director of APCF, notes that “a higher rate of men die from prostate cancer than women die from breast cancer in Arkansas.” APCF is the only state nonprofit organization in the country that is fullyfunded, staffed and dedicated solely to prostate cancer. The APCF seeks to inform, educate and empower men about dealing with
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Arkansas Farm Bureau • FALL 2014
prostate cancer. Because cancer is not partial to race, income, age or life status, APCF is dedicated to educating men through public programs hosted throughout the state at health fairs, worksites, churches and other community-based organizations. “Access to information about and treatment of prostate cancer should be available to every man in Arkansas,” said Eckhert. “Education, timely detection and survivor support are the priorities of our organization. In addition to free education/screenings events all over the state, APCF has a full-time patient navigator devoted to providing one-on-one education about treatment options, as well as emotional support and assistance finding financial resources for any man and his family facing prostate cancer. “The risk factors of prostate cancer are age, race and family history,” Eckert said. “The older a man is, the more likely he is to be diagnosed with prostate cancer. It’s important for men to know they may not have any symptoms at all and still have prostate cancer. That’s why education about risk factors and timely detection is so important.” For example, one in 10,000 men younger than 40 will be diagnosed with prostate cancer, but those odds shrink to one in 38 for men between the ages of 40 to 59, and one in 14 for ages 60 to 69. In fact, more than 65 percent of all prostate cancers are diagnosed in men older than 65. The average age at diagnosis of prostate cancer in the United States is 69. After that age, the chance of developing prostate cancer becomes more common than any other cancer in men or women. “It’s important to know that prostate cancer grows at different rates in different men,” Eckert said. “Prostate cancer tends to grow very slowly. That’s why prostate cancer may have little or no effect on how a man feels or how long he lives. But, there are types of prostate cancer that can be very aggressive and grow and spread beyond the prostate gland to other parts of the body.” To manage the risk of prostate cancer, men in Arkansas should see a health care provider to discuss whether or not to be screened for the disease. The earlier prostate cancer is detected, the better the chances of surviving and thriving afterward. It’s important to realize, too, according to Eckert, that support is available for men and their families in Arkansas. “The APCF facilitates four peer network support groups in the state – Little Rock, Fayetteville, Fort Smith and Jonesboro,” Eckert said. “These networks meet regularly and are made up of men and women who have dealt with the same issues as men and their loved ones who just learned they were diagnosed and are going through treatment. The meetings take place in a safe and confidential environment where members can talk freely about concerns, ask questions and share knowledge.” For more information about prostate cancer detection, treatment and recovery, or the Blue Ribbon campaign, please contact the Arkansas Prostate Cancer Foundation at 1-800-3381383 or visit http://www.arprostatecancer.org.
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Arkansas Farm Bureau • FALL 2014
KNOW THE RISK BEAT THE ODDS The Arkansas Prostate Cancer Foundation helps Arkansas men beat the odds through education, free screenings, advocacy and its statewide network of support groups.
501.379.8027 1.800.338.1383 www.arprostatecancer.org
31
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24’ X 30’ SUBURBAN POLE 30’ X 40’ DELUXE FRAME GARAGE PACKAGE SUBURBAN POLE • Engineer designed trusses. GARAGE PACKAGE • Painted metal roofing & siding. • 36” steel walk door. W/ ATTACHED • (2) 9’ x 7’ insulated 8’ SIDE SHED steel garage door. WE BUILD • 10’ sidewalls. 4121521 $
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*Building package prices are approximate and may vary due to daily changes in commodity market conditions. Free estimates on complete or partial building packages are available. Customers should check local building codes before starting building projects. The building packages illustrated are suggested designs and plans are available at Sutherlands store * locations. We reserve the right to limit quantities to the amount (479) 646-7858 reasonable for homeowners (800) 494-3551 and our regular contractor customers. Some items may vary slightly from illustrations. We cannot be held responsible for printing errors, however, we will make every effort to clarify any confusion they may cause. All warranty information is available at the service counter. See store for details.
Visit us online @ www.sutherlands.com
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Arkansas Farm Bureau • FALL 2014
Advocate. From anywhere. Updated phone & tablet apps make advocating for Arkansas agriculture easier than ever before.
z State Legislature The “Government” section of our app gives you quick access to contact information for every member of the Arkansas General Assembly. You can call or email their offices straight from the app.
z Officials & Agencies Handy access to contact information for state constitutional officers and agency heads.
z U.S. Congress z Issues Keep yourself informed with up-to-date information on important farm policy issues.
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Arkansas Farm Bureau • FALL 2014
Get it on
Use our app to make your voice heard. We’ve made it easier than ever to share your opinions on agriculture issues with your Representatives and Senators.
33
in the kitchen
How sweet it is Mashed sweet potatoes with sweet onions article and photo by Lyndi Fultz
F
or years, I wondered why anyone would be interested in sweet potatoes when the Yukon golden potato was clearly the darling of the palate. It made me nervous to profess my potato obsession out loud since a vague recollection from college nutrition class taught me that often the foods we crave just may be the ones we are allergic to. Whether that little bit of wisdom is true or not, it frightened me enough to not mention that I ate them often. Very often. Like, every day. And then at some point, we realized we’d made the switch over to sweet potatoes.
Why? It happened one day when my husband Dennis threw a diced sweet Vidalia onion in with the sweet potatoes, and they danced around in that boiling water. The combination of sweet potatoes with sweet onions wowed us with an incredible balance of deliciousness. Sweet, yet savory. Comforting, yet exciting. If you’ve only had sweet potatoes in a Pyrex dish with marshmallow cream and brown sugar, you’re missing out on so much more. It’s time for a switch to sweet potatoes.
Delicious mashed sweet potatoes with sweet onions Serves 4 Ingredients • 3 large or 4 medium sweet potatoes or yams • 1 large or 2 medium Vidalia sweet onions • 1/4 teaspoon salt • 2 tablespoons salted butter • ¼ cup of cream cheese • 1/8 teaspoon pepper • 1/8 teaspoon garlic powder Directions 1. Fill a pot of water, adding 1/8 teaspoon of salt, and bring to a boil. 2. As you wait for the water to boil, peel the sweet potatoes and cut into 1-inch cubes. Set aside. 3. Peel off the outer layer of the sweet onions and dice. Set aside. 4. When the water starts boiling, add to it the sweet potatoes and sweet onions. 5. Boil until tender when a knife inserted into the sweet potato slips in easily. 6. Pour sweet potatoes and sweet onions into a strainer to drain (do not run under water as doing so will remove the starches) and reserve a half-cup of the water. 7. Place pot back on the burner and heat on medium-high. Add butter to melt. Add drained sweet potatoes and sweet onions to pot. 8. Using a potato masher or ricer, mash the potatoes and onions with the butter until creamy. Then add in the cream cheese by continuing to mash them. 9. Add 1/8 teaspoon of salt, pepper and garlic to the pot and mix with a wooden spoon. 10. Taste it. Does it need more salt? More butter? Add more to your liking and then sit back and wait for the compliments.
Arkansas Women Bloggers member Lyndi Fultz writes about living and eating well from her life in beautiful Northwest Arkansas at nwafoodie.com. Much of her blogging inspiration comes from this gem of a place, which she refers to as the proverbial land of milk-and-honey. Read more related to cooking, entertaining, gadget suggestions, ingredient explorations, local finds, local restaurant treasures, kitchen tour spotlights, and always with a healthy and simplistic approach.
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Arkansas Farm Bureau • FALL 2014
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800.633.8969 U. S. Postal Service Statement of Ownership, Management, and Circulation (Required by 39 U.S.C. 3685). 1. Publication title: Front Porch. 2. Publication number: 01-9879. 3. Filing date: 9/29/14. 4. Issue frequency: Quarterly. 5. No. of issues published annually: four. 6. Annual Subscription Price: 0. 7. Complete mailing address of known office of publication: Arkansas Farm Bureau Federation, 10720 Kanis Road, Little Rock, AR 72211-3825. 8. Complete mailing address of headquarters of General Business office of Publisher: Same as #7. 9. Full names and complete mailing address of Publisher, Editor and Managing Editor: Publisher, Arkansas Farm Bureau Federation; Executive Editor, Steve Eddington; Editor, Gregg Patterson. All addresses same as #7. 10. Owner: Arkansas Farm Bureau Federation. 11. Known Bondholders, Mortgages and other Security Holders owning or holding 1 percent or more of total amount of bonds, mortgages or other securities: None. 12. Tax Status: unchanged. 13. Publication title: Front Porch. 14. Issue date for Circulation date: Summer 2014/ July. 15. Extent and nature of circulation: Average no. copies each issue during preceding 12 months: Actual no. copies of single issue published nearest to filing date. 15a. Total no. of copies net press run average each issue 187,698 (issued published nearest to filing date 189,656). 15b. Paid/Requested outside-county mail subscription: 186,298 (most recent 188,256). 15c. Total paid and/or requested circulation: 186,298 (most recent 188,256). 15d., e. Not Applicable. 15f. Total Distribution: 186,298 (most recent 188,256). 15g. Copies not distributed: 1,400 (most recent 1,400). 15h. Total: 187,298 (most recent 189,656). 15i. Percent paid and/or requested circulation: 100%. 16. This statement of ownership will be printed in the Fall 2014/ October issue of the publication. 17. Signature and Title of Editor, Publisher, Business Manager or Owner: Gregg Patterson Date: 9/20/14
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Arkansas Farm Bureau • FALL 2014
35
Delta Child
Aliens on the farm by Talya Tate Boerner
M
y sister and I loved spending time at our cousin Lesa’s house near the banks of Little River, especially during cotton harvest. Uncle Woody needed us to tromp his cotton, to stomp it down and pack the corners tight so the trailer would hold more. Standing underneath the basket, the warm cotton emptied on us like popcorn, the fresh scent saturating our hair and skin. Once the load dumped, I climbed into the basket high in the air to remove any cotton clinging inside. As soon as the picker returned to the field, we dug tunnels; “tromping” it, burrowing like animals deep underneath the cotton so dense and warm it seemed to breathe. We turned somersaults and buried our bodies up to our necks as though we played on the sandy beach at the lake. Cotton harvest was as special as Christmas. When Aunt Lavern called us inside for supper, lint covered our clothes and clung to our matted hair. Supper was inconvenient, an unnecessary interruption in playtime. We ate as fast as possible, and 10 minutes later raced back out, the screen door slapping shut behind us. “Be careful of the headless horseman. He’ll be riding soon,” Uncle Woody warned.
36
Although we’d never witnessed him, the headless horseman could be seen moments after dusk riding his black steed along the foggy banks of Little River. His cape flowed, brushing the grass and reeds, stirring snakes. Uncle Woody said so, and we knew it to be true. Since the days had begun to grow shorter and night seemed to sneak up without warning, after supper we were careful to avoid Little River. Instead, we raced down the dirt road connecting Lesa’s house to those of nearby aunts and uncles toward the half-filled cotton trailer. That’s when we discovered alien activity on the farm. “Look at this! A spaceship landed right here beside the cotton field!” Lesa said. She leaned in closer and squatted to inspect the huge circle carved in the dirt. “A UFO!” My little sister’s eyes blazed with the realization. After a summer spent obsessing over Nancy Drew, there was no mystery we couldn’t solve. We paced off the distance around the edge and estimated the size of the large circle. The possibility felt exciting and curious in a place where new things rarely happened, yet the air smelled no different.
Just before twilight, we watched the heavens for signs of other life, life beyond our county. Muted stars brightened as time passed. “What’re y’all doing? Mosquitoes will carry you off,” Aunt Lavern called from the carport and began walking toward us still drying her hands on a dish towel. “Waiting for aliens,” I answered. Immobile, we sat quietly in a row and stared overhead, watching, hoping to be worthy of a repeat visit. I imagined an oval spaceship with flashing lights. I imagined something fantastic. “There’s no such thing. Come inside,” Aunt Lavern, clearly a nonbeliever, said as she laughed and shook her head. “Oh yes there is, Momma,” Lesa said, pointing. “Look, we have evidence. A spaceship landed right here.” Lesa kicked the edge of the circle imprint with her bare toe. “Girls,” Aunt Lavern chuckled, “that’s where a cotton picker turned around on the turnrow.” “Oh,” we sighed in disappointed unison. An almost full moon grew brighter and larger overhead. We followed Aunt Lavern back to the house keeping an eye on the riverbank. (Read other work by Talya on her blog Grace and Gardening found at www.gracegritsgarden.com.)
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Arkansas Farm Bureau • FALL 2014
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Arkansas Farm Bureau • FALL 2014
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Let your Farm Bureau membership help you take advantage of member-priced loans, competitive protection plans, and flexible payment terms on new or used motorcycles, personal watercrafts, and all-terrain vehicles. Enjoy your next vacation with a Farm Bureau Bank sport vehicle loan!
For more information or to apply, contact your local Farm Bureau agent today! E x i s t i n g F a r m B u r e a u B a n k s p o r t v e h i c l e l o a n s a r e e x c l u d e d f r o m t h i s o f f e r. * Rates disclosed as Annual Percentage Rate (APR) and are based on excellent credit and acquiring Guaranteed Asset Protection (GAP). The advertised APR of 3.99% is effective as of May 2, 2014. 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 sport v e h i c l e l o a n w i t h a t e r m o f 3 6 m o n t h s , a 4 5 d a y f i r s t p a y m e n t d a t e a n d a 3 . 9 9 % A P R , t h e m o n t h l y p a y m e n t w i l l b e $ 7 3 9 . 0 8 . To q u a l i f y f o r t h e d i s c l o s e d r a t e , c u s t o m e r m u s t b e a F a r m B u r e a u m e m b e r. N o n - m e m b e r r a t e s m a y b e 1 - 3 % h i g h e r t h a n p o s t e d r a t e s . R a t e s m a y v a r y b a s e d o n t h e a m o u n t f i n a n c e d , t e r m a n d f i r s t p a y m e n t d a t e . F i n a n c e charges accrue from origination date of the loan. Some restrictions apply based on the make and model of sport vehicle offered as collateral. All loans are subject to credit approval, verification, and collateral evaluation. Other rates and financing options are available. This offer is not available in all states and rates and terms are subject to change without notice. Rates and financing are limited to sport vehicle models 2004 and newer and subject to change. Farm Bureau Bank does not finance totaled, rebuilt or salvaged v e h i c l e s . B a n k i n g s e r v i c e s p r o v i d e d b y F a r m B u r e a u B a n k , F S B . F a r m B u r e a u , F B , a n d t h e F B N a t i o n a l L o g o a r e r e g i s t e r e d s e r v i c e m a r k s o w n e d b y, a n d u s e d b y F a r m B u r e a u B a n k FSB under license from, the American Farm Bureau Federation. 0914