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The Exeter Times-Advocate, 1968-04-25, Page 141)110Ni iti,;) I Promenaders celebrate anniversary The Promenaders, an enthusiastic group of square dancers of Exeter and district celebrated their fifth anniversary with a special reunion at the arena, Saturday night. Three couples that made up part of the original executive when the group was formed were on hand along with former members from port Lambton, Clinton, Goderich and Kitchener. Above, Marg and Norm Whiting, Kay and. Jack Blair and Marl and Wayne Tuckey, who was the first president are shown with the anniversary cake.-- T-A photo Forage insurance possible and discount for no claims The big difference in AenifOrtilizets is Are you getting full value for your fertilizer dollar? Here are some of the service fea- tures we can offer you: • Free Bulk or Bag Delivery • Free Crop Consultation • High Analyses • Custom Mixing to Your Own Requirements • Pickup Allowance • Cash Discount • Bulk Discount Serving the man whose business is agriculture aDReq'd Trademark NORTH MIDDLESEX FERTILIZERS LTD. AILSA CRAIG Your local AERO FERTILIZER CUSTOM BLENDER An important message to farmers: Protects you, your crop . . and your credit . . with low-cost, comprehensive coverage against the hazards of Hail, Wind, Drought, Frost, Flood, Plant Disease, Insect Infestation, Excessive Moisture and Excessive Rainfall. Apply for coverage now To insure spring grains — apply by May 15 Crop insurance is a guarantee of production, Select the coverage you want — 60, 70 or 80% of your average yield of oats, barley, mixed grains — and if your yield is below the guaranteed level, the insurance makes up the difference. To insure forage — apply by May 1 Designed to meat the needs of both dairy farmers and cattlemen, this coverage insures seeded pasture, hay, hay silage, torn silage — at $15, 820, or $25 per ton of hay or hay equivalent with premiums as loW as 83 cents per ton. Select your coverage oh the basit of what you would have to pay for forage next winter if your Mot failed, To insure grain corn, Soybeans— apply now The recent introduction of two new insurance plans gives coverage for grain torn and soybeans. Corn is covered against the added hazard of wildlife damage, These crops can be insured for 70% of your average yield at the established prices of $1 per bushel for corn and $2.50 pet bushel for soybeans, Final 00110110n dates for insurance on these crops Vary — for the deadlines in your area, check With your local ageht, or write us dirett. $15 down A $15 deposit on your premium secures your crop insurance contract — with the balance payable when you report your seeded acreage. NEW, 'NO-CLAIM` DiscOUNT Federal and Ontario Government subsidies cover 30% of all premium costs-- and a new discount scheme reduces premiums Still further, A cumulative premium discount of 5% under each plan is allowed each year to contract holders who have not reported Claims — up to a maximum discount of 25%. The prudent farmer insures hit crops for the tame reason that he insures his buildings, machinery, equipment and livestock. For more infortnation of details on insuring your crops, see your local 'agent or write direct tot THE CROP INSURANCE COMMISsiON oi= ONTARIO sbOUnivetsity Avenue Toronto 2, Ontario ONTAr210 CROP INSURANCE Insurance r &tills and application forms available flotti'... JOHN BURKE 'LID., W.H. HODGSON LTD l 416 lq 8ti.,,.Exttott CONTACT YOUR SHAMROCK CHEMICALS REPRESENTkrIVE Shamrock .Chemicals Limitedi 1110fiwoy 185 a V116111.tigtoil' 'Abad, Landon,, Ontario: 48E4,5652 Mrs date Van ft.-day, fift 3, tAattitvooil, tint, Ph. '37•;3466.. Famous last words "I've got crews ail lined up to do my hoeing.' If you grow soy beans, dry beans, or tomatoes, you can cut hoe costs and reduce ettiliVations With Treflatt the weed killer than can pay for itself :several times over. It dependably stops all annual grasses and many broadleaf weeds for months wet weather or dry, ELANCO PRODUCTS DIVISION rata Lilly and Company (Canada) Limited, Scarborough, Ontario, Use borrowed cosh to increase. income P090 14 April 25, 1940 D riving .:ipees, out of area Within 15 years., beekeeping may be reduced to a hobby In Ontarich, with AK'loPs conse- quences to ;Pad production, ac- Percling to ProfeSSorG, F, Tewn- SAO, allairnlah, Department ef. Apiculture, Ontario Agricultural D011ege, PrliversitY of Guelph. HQwever, hope May be 4n sight for the ProYineOs beekeepers, Profeesor TeWasend reported that the Ontario Department of. Lands and Forests has shown Interest in Planting black locust trees in conservation and land reclamation areas, Experience in Romania, has shown that 30,000 eolonies of bees can be put in a 2,500-acre planting of black locusts, to give a yield of 100 pounds of honey per colony, about double the Ontario yield. Changes to low or non-honey- producing crops in Ontario are driving beekeepers out of busi- ness ,or out of the province. The Ontario beekeeper can no longer depend on farm crops for a satisfactory honey yield. Yet fewer bees could result in de- creased yields of fruits, veg- etables and cereals. Eirdsfoot trefoil, a poor honey- producing plant, has been ex- panding at a rate of 50,000 acres per year. corn, a non-honey producer, is fast replacing other •crops at a rate of 75,000 acres per year. Alfalfa, Ontario's only de- pendable source of honey, is now threatened by the alfalfa weevil, found in Ontario for the first time in 1967. The widespread use of insecti- cides, particularly sevin, is tak- . ing an ever-Increasing toll of bees and driving the beekeeper from the cash crop areas. Since 1941, totalfarm acreage in southern Ontario has de- creased 16 percent. Ontario honey producers need a more organized marketing system to combat high costs and low prices, Professor Townsend says. He suggests, however, that low honey yield is the most ser- ious problem of Ontario bee- keepers, Some 5,000 colonies of bees now are moved into the Niagara Peninsula each year to pollinate Ontario's fruit crops. Bee- keepers bring the hives from as far as 150 miles away, to the mutual advantage of fruit grow- ers and beekeepers. In recent years, Ontario bee- keepers have been moving to Western provinces to take ad- vantage of the present high acre- ages of clover and rape being grown there. As a result, Can- adian honey production is up 15 million pounds in the past five years, although Ontario reached a 10-year low in 1967. Ey MISS JEAN COPELAND Miss Ada Hopkin has returned home after visiting for a few days with Mrs. Fred Foster of St. Marys. Mr. & Mrs. Geo Levy, Eliza- beth and Marian of Rannoch visit- ed Sunday evening with Mrs. Ar- thur Hopkin. MrS. John Butters, Mr.& Mrs. George Wheeler and David, Mr. & Mrs. John Rodd and Mr. & MrS. Glenn Copeland were guests at the Cooke—Bradford wedding in Trinity United. Church, Inger- soll on saturda.y. Mrs. Copeland was the soloist and David Wheel- er acted as usher. Mrs. M. Copeland and Jean visited Sunday afternoon with Mr. & Mrs. Duncan McNaughton and Ronnie. Mr. Ira. McCurdy is a patient in Victoria Hospital, London. Miss Ruth Jones of Thorndale spent the weekend with Miss Linda Tomlinson. By MRS. ROSS SKINNER Mrs. Wm. Routty. and Mrs. Theron CreerSr attended the ban.. quet in honour of Therndale Worriens Institute 60th sary, coati:Met maitaret. Fatly larton of London was the guest Speaker. Mr. •,gt, Mrs. keith Reywodd and kathieett -of Germany are spending a couple of WeekS with Mr. .46 Mrs. Hubert lieyWeect fore leaving for their new base. at Val bet; Quebec. 'Mike a number of IatileS itOm. this ettribannity attended the Fashion ShOW at ,SHDIIS Monday evening for the night school drat., Set. A. 'ather of ladies and. ..4,41 Club girls attended the 4,14 AChletrement Day iii Eiteter on SatUrday. Misses behbte. Bern and Sandra Skinner from viiie i'!eceiVed• county honors. Mr. & Mrs. Cariria.n Herdthati and Mark of - West 1316balfielti, Michigan Megart. AMOS andEete man ,Herdnati visited Sunday with Mr. .& Mkt. SqUire Rerdtrian. and The EIittiville Werne&S bite executive held their meeting at the home of the president Mrs. Theron. 'Creeti Thursday evening to itiake out the Year*S • 1*.ii•-ograrti. & WSJ HOWard t"Oti and tardily visited on sunclay eVetilit with Mr, & Mrs. .Alvin of Eleter, As a result Of a successful pilot test program IP two -limited, areas last year, the Crop once QPIIIMIPSIOn of Walla has announced that forage crop In- surance will be Made available in all counties of Ontario. The only areas not insurable under the plan will he the Pro- visional County of lialihurton and the Northern Ontario Districts. Developed to insure a winter feed supply, the new forage plan Will be of interest to both .dairy farmers and beef cattle men, Coverage will include seeded pasture, hay, bay silage, and corn silage for 70 percent of the average farm yield, against the perils of hail, wind, drought, frost, flood, plant disease, in- sect infestation, excessive rain- fall and excessive moisture. Farmers may insure op the basis of $15, $20 or $g6 per ton Narrow row not suggested Narrow row corn—twenty inches or less—cannot be recom- mended yet for general use by farmers, according to R. D. Hunt- er, Crop Science Department, Ontario Agricultural College. Researchers, however, are con- fident that this method of grow- ing corn could come. Why the possibilities of narrow rows? Traditional widths of 40 to 42 inches between rows are no longer necessary with the recent increase in the use of better weed control measures. Equipment is not necessary in a field for cultivation purposes. Atrazine, in the past few years, particularly, has made virtually weed-free conditions possible. Hand in hand with narrow rows, we usually think of higher plant populations. With this increase in the number of plants, and the narrower row widths, there is a greater interception of sunlight. It is this sunlight energy, con- verted by the plant into chemical energy in the form of carbo- hydrates, that the farmers har- vest as yield. The hitch, however, is in the grain yields, Most corn hybrids being used at present do not respond well to high population or narrow row conditions. Yield of grain has not increased in proportion to the increase in light intercepted. Scientists at Ontario Agricul- tural College and elsewhere are selecting hybrids with narrow row and high population toler- ance. Mr. Hunter suggests that it will be a few years yet, though, before general recommendations can be made for this method of cultivation. P( hay (Pr hay equivalent). The low rate charged for this com ,PrPhenstve protection wilt mean. Wage can be insured for a little lees than $1 per ton on the average farm. Applications will be accepted up to May 1, Mg, Prop Insurance authorities say this is the first forage insurance scheme to be developed in North America. The Prop Insurance commis- slop also announced that a cum- ulative premium discount of 5 percent will be allowed annually to contract holders who have not reported claims, up to a Maxi- 10.1.1111 diseennt of 25 percent._ This news is of special interest to those farmers who insured their spring grains with the Com- mission for the 1967 crop year. Their current year's premium will be reduced accordingly. In addition tq the federal and pro- vincial premium subsidies made available under the Crop Insur- ance Act (Ontario) 1966, this further reduction means that eligible contract holders will be able to protect their Investment in their crops at 36 percent less than cost this year. -“This -no-claims' discount," R. D. Blackburn, General Man- ager of the Commission, points out, "applies to each plan sep- arately. Thus, if a farmer had a claim under his winter wheat coverage last year, it would not affect his eligibility for the dis- count on his spring grain prem- ium for the current crop year." Since the Crop Insurance con- tract is a continuous one, the principle of a discount is being established to encourage insured persons to maintain the continuity of their insurance. In addition, it was intended to attract other efficient farmers to the Crop Insurance Program, by demonstrating that good farm- ing practices will result in fewer claims and, consequently, in re- duced premiums. elo, Ione As a result of excellent drying conditions, spring grain seeding is practically all completed in Huron County. Some cereal grain fields are beginning to "green up,,. Corn and turnips are being planted in the south. Wheat has come through the winter in fine condition with very little winter killing evident. Field conditions have been excellent for top dressing nitrogen. It would appear that stored feed supplies for livestock are ade- quate to complete the winter stab- ling period. Some cattle are now out on grass. Farm credit contributes a great deal to the combination of land, labor, capital, and man- agement needed to produce high levels of farm income. D, A. McArthur, Farm Management Specialist, Centralia College of Agricultural Technology, sug- gests prospective borrowers check the following points before embarking on a loan. Use credit for productive pur- poses only. Borrowed funds should be used primarily for purposes that will increase net income. Limit borrowing for unfam- iliar enterprises. Test your ability to manage an enterprise before expanding it through the use of borrowed funds. Use only the credit needed to operate the farm efficiently. Use borrowed funds where they will bring the largest net income in the shortest time. Keep debts in line with net worth. This is the basis of fin- ancial strength and stability. Debts do not normally change with changes in value of assets. Keep debts in line withprobable income, Cash income must be sufficient for farm operating ex- penses, replacing depreciable assets, family living expenses, and debt retirement. Tailor the loan to repayment capacity. The length of term should correspond to the length Ladies,meet at Kirkton By MRS, HAROLD DAVIS laRKTON St. Paul's ACW met at the home of Mrs. M. Blackler Thurs- day evening. Mrs. Clayton Smith presided. Guest speaker was Mrs. Bur- gess of Stratford who spoke on the Weekend Shop to be held in London. At the conclusion of the meet- ing lunch was served by Mrs. Knox and Mrs. C. Smith. UCW The UCW meeting was held in the church basement last Wed- nesday evening. The theme of the worship service was Easter and was conducted by Mrs.RayPayn- ter assisted by Mrs. Jack Urqu- hart, Mrs. Cliff Scott and Mrs. Stuart Shier. Mrs. S. Bell was guest speaker and gave an interesting address on Citizenship. Lunch was served of time to recover the borrowed capital, with a margin of safety. The repayment schedule should fit the flow of income from the invested loan. Shop for a loan and select a dependable lender. Variations in loan terms are significant. Re- putable lenders usually are more willing and able to make adjust- ments. Their costs and terms may be more reasonable. Be businesslike, fair, and frank with your lender. Pay promptly, dis- cuss your problems, and do not conceal pertinent facts. Study price trends. Estimate ability to repay principal plus interest on a realistic, con- servative basis. Have adequate insurance for added risks. Using credit in- creases risk. There should be adequate property and liability insurance. Crop insurance is also available. Life insurance pro- vides family protection. at the close of the meeting. PERSONALS Rev. S. Bell is a patient in St. Mary's Memorial Hospital. Mrs, Vera Balfour of Kit- chener visited Sunday with her sister, Mr. and Mrs. Charlie Paul.