According to a recently published press release, Pennsylvania Governor Edward G. Rendell is now asking USDA Secretary Mike Johanns to help with the lending of federal emergency loans to state farmers in 22 counties. Exactly 58 of the state’s counties have been suffering from extreme drought conditions have been under a glance since August 6th. There is no notice of relief as precipitation levels have been abnormally low and groundwater levels continue to sink.
Farmers in 22 counties will need emergency loans as the drought has caused them to lose 30 percent or more of their major crops this season.
The Pennsylvania State Emergency Board announced at a meeting that the federal government would need to be called upon to help the farmers suffering from the drought.
Governor Rendell said of the situation, “Producers are struggling to maintain superior businesses because of drought and severe storms that have hit the commonwealth. It’s important that we help our farmers recover from these shameful losses to protect their livelihoods and our agricultural industry.”
Through the Governor’s constant requests, Pennsylvania farmers will be able to apply for low-interest federal loans. The funds will help pay for flood, frost, hail, and drought damage.
The Governor added, “These emergency loans will help farmers recover from damages until crop insurance is able to assess their claims. I have asked Secretary Johanns to act quickly.”
Aside from receiving the federal loan to assist with crop damage, farmers with lop insurance can use a recent USDA decision regarding sample strips of the damaged crops.
Before this decision came, the USDA had to send out loss adjusters to each of the affect farmers and inspect the damage in person. They would then have to tell the farmer to leave sample strips. Now, during the harvest seasons, farmers can receive information and permission via phone. The farmers also must contact their crop insurance agent to speak about damage losses before they start harvesting again.
Agriculture Secretary Dennis Wolff said, “By giving permission for sample strips over the phone, the claims process will be much faster. Being able to harvest their crops more lickety-split will help to ease the burden of drought on farmers.”
Wolff also noted that sample strips should be at least 10 feet wide and a length clear by the loss adjuster, depending on field acreage.
In addition, there is also more good news. Farmers who bought crop revenue insurance before March 15th of last year will be promised at least $4 a bushel this spring.
Filed under Farmers Insurance by on Mar 14th, 2011. Comment.
America was called the ‘land of milk and honey’ by the old world, yet neither cows nor honeybees are native to the Americas. Surprisingly, it is not the honey from the bees that is so considerable to our economy. Pollination by bees adds over 15 billion dollars to our economy (Flores). Around 130 crops need honeybees in order to thrive (Kaplan). In the United States, honeybees produce about 200 million pounds of honey, worth 125 million dollars, and about 3.9 million pounds of beeswax, worth 7 million dollars (Doebler). Beekeeping is a serious business, not only for our economy, but for our food. Around one third of our food depends on pollination, including coffee, green chile, soybeans, apples, berries, squash, almonds, and many others (NRDC). In California alone, the almond slash requires the service of about half the United States bee colonies, around 1.2 million (Flores).
Unfortunately, the bee business isn’t going so well. A new phenomenon called Colony Collapse Disorder (CCD) has been taking a great toll on our honey bees. During drop 2006, beekeepers in many countries around the world noticed a sudden disappearance of managed honey bee colonies, and for no apparent reason. These hives were formerly healthy, but for some reason bees simply abandoned their hives, often leaving just the queen and a few caretakers. In February 2007, the syndrome had been named (Kaplan). Congress recognized Colony Collapse Disorder as a threat in 2007 and granted emergency funds to the U.S. Department of Agriculture to study honey bee disappearances. The 2008 Farm Bill granted the Department of Agriculture $20 million each year to wait on bee research and related work (NRDC). Research is underway to try to determine the causes of CCD, and how to prevent it from occurring. Possibilities involve combinations of pesticide exposure, invasive parasitic mites, inadequate food supply, transportation, and many different viruses. As the cause is believed to be from multiple sources, pinpointing them will be difficult. Many viruses are believed to be passed on by the mites, which in of themselves are devastating enough.
At an apiculture conference, a commercial beekeeper cries in front of the audience. In 6 months, he was broke, loosing his house, and his entire beekeeping operation had been wiped out. The cause of his disaster was two miniature parasites. One, the varroa mite, is described by James Tew, a specialist in beekeeping at Ohio State University, as the “biggest catastrophe to befall apiculture since its establishment in this country in the 1600s… In only a few years, the varroa mite redesigned nearly 300 years of North American apiculture in ways akin to the dramatic way the boll weevil restructured the cotton-producing industry … in the early 1920s.” Varroa mites are large enough to be seen by the eye. Female varroa mites do to bees between abdominal segments, feeding on a substance similar to our blood, called hemolmph. When females enter a nursery cell, called a brood cell, the mites lay eggs. The mite nymphs then feed on the developing bees. The mites and bees leave the brood cell together, as adults. The mites cause many birth defects, such as shortened abdomens, deformed wings and legs, or sometimes cause death. Colonies infested with varroa mites that are not treated can survive for about 8-18 months. Scott Camazine, an entomologist at Penn State University, believes that the mites aren’t the main problem. He says that the mites are simply making viral transmission faster (Doebler).
The other mite feeding on honeybees are tracheal mites. These mites are much smaller than varroa mites and believed to be less dangerous. These parasites live and feed in the bee’s trachea, clogging the airway and limiting respiration. The major effect of this is that bees cannot raise their metabolic rate to support warm while they hover. Beekeepers frequently place grease patties or menthol chips inside the hives when honey is not being produced to slow the spread of tracheal mites.
Many studies trying to resolve the cause of CCD are built on a project started for the California almond crops. The study started as a way to artificially supplement the honeybee’s diets in order to form larger colonies (Flores). As California is a major consumer of honeybee use for pollination, it is not surprising that the first peril to fight CCD have started there.
Entomologist Jeff Pettis, research leader of the ARS Bee Research Laboratory in Beltsville, Maryland, is working on several collaborations to try to decide the cause of CCD. One study is looking at the combination of pesticide use and Israeli acute paralysis virus (IAPV), found in a previous study with university researcher Jay D. Evans, to be strongly associated with CCD. The second experiment will look at the effects of varroa mites and pesticides combined. If these two studies fail, other combinations will be explored. One of the issues with these and other CCD studies is that samples have only been taken after CCD has been reported. Therefore, Pettis has begun his study with three different beekeepers one both healthy and affected hives. Hopefully, the samples will give information to previous signs and causes of CCD (Kaplan). John Adamczyk, the acting research leader for ARS’s Honey Bee Research Unit in Weslaco, Texas, explains the hope for the study: “At the end of the 5-year cycle we’ll have specific recommendations that the beekeeper could use on how to manage bees more efficiently during long-range transport for pollination. We want to be able to transfer that technology to be useful by the end user” (Flores).
A major issue is the huge outburst of IAPV. Some concept that importation of bees from Australia and China had brought the disease with them, but entomologists Yanping (Judy) Chen and Evans, both also with the ARS Bee Research Laboratory, found otherwise. Chen said that “Our study shows that, without question, IAPV has been in this country since at least 2002. This work makes it certain that IAPV is not a recent introduction from Australia” (Kaplan). This however, does not rule out IAPV as a cause of CCD.
American foulbrood a bacterial disease of the honey bee, which is very devastating to bee colonies. The most obvious symptom is a creamy or sad brown glue-like larval remain that can be pulled out in a rope. This test is known as the ‘matchstick test.’ It affects the brood cells, killing bees before they are productive, usually while pupae, and occasionally with larvae. Brood cells may be spotted, showing early signs (de Graaf). Introduction of American foulbrood, or any other foulbrood, can end off all future generations of honey bees is not spotted and treated immediately. A original drug, tylosin tartrate (TYLAN Soluble), has been approved for use to treat foulbrood (Honey Bees). If treated, colonies can continue to thrive.
A very large study involving pesticides has been conducted. 158 pesticides were tested among the honey bee, the leaf cutting bee, and the alkali bee. The leaf cutting bee is a solitary nesting bee that mainly foraging on alfalfa plants. Nests are built in narrow tube-like cavities, and separate cells are made for each egg and lined with alfalfa. The cell is then plugged with alfalfa leaves, and a new nest is made in the area. The alkali bee is also a solitary, bee that builds nests in soil. This western bee likes alkaline soils come water. The nest is between five and twenty centimeters deep, with many oval cells branching off the main shaft. This bee pollinates mainly alfalfa, onion, clover, celery, and mints. A smaller pesticide study has also been conducted on the bumble bee. Bumble bees are social insects, like honey bees. They make smaller nests, consisting of only 100-500 individuals. They prefer to nest underground, like the alkali bee, and need undisturbed meadows, old barns or woodlots. Bumble bees work harder than honeybees at cooler temperatures. They pollinate a larger variety of plants, but do particularly well on tomatoes and berries. The results were very similar for all species, although certain bees do better than others with different pesticides (Devillers).
Many researchers have found a completely different solution to the quandary of CCD, that is, to simply not have honey bee hives. Wild bees, also known as non-honey bees, have been shown to be better pollinators than the honeybee, although it is still unclear as to whether non-native honey bees are negatively effecting wild native bee populations. Studies are conflicting, and titanic pollination results have occurred when conventional together, yet the large numbers of honeybees could have a large impact on native species if food supplies are limited (Paini). Entomologist James Cane has found that a new native bee, called the Osmia bee, or the Mason bee, is a wonderful pollinator of berries. Cane learned of the bee from bee enthusiast Ron yon der Hellen, who told Cane of the quarter-inch long metallic green bee that had housed itself in his wooden nesting boards that he keeps as housing for leaf cutting bees. Cane borrowed several hundred of these bees and found that they visited as many red raspberry flowers as did honey bees in the same amount of time,, and nearly as many blackberry flowers. While red raspberries and blackberries are self-pollinating, bee visits made berries better. Cane found that red raspberry flowers visited by honey bees or the Osmia bees bore berries that were 30% heavier. The Osmia bee however, always gathered pollen, while honeybees did not. Even better, these bees are resistant to the devastating mites. After 5 years of study, Cane plans to give these emerald-green bees to growers and beekeepers (Wood).
Another study shows that native bees are up to five times more efficient at pollinating sunflowers than honeybees alone. Researchers at the Berkeley and Davis campuses of the University of California found that wild bees play a crucial role in the pollinating process. Sarah Greenleaf, the study’s leader, says that, “Up until now, we have thought that honey bees alone were doing most of the pollination, but now we know that a lot of honey bee pollination happens because of their interaction with wild native bees. This means that wild bees are much, much more important that we previously thought.” She and Claire Kremen observed the behavior of honey bees and wild native bees in sunflower fields during two different growing seasons. They found that in fields where wild bees were rare, one honeybee visit produced, on average, three seeds. As the number of wild bees increased, so did the number of seeds produced, up to 15 seeds per visit. To keep their data clean, each flower was bagged before it bloomed, allowed one visit, and then re-bagged until the seeds were produced (Two Bees). The drastic difference shows that native bees are a vital part of the pollination process.
Native bees are shown to be the most important cleave pollinators in a recent glimpse of watermelon crops. This ogle showed that native bees alone are sufficient to pollinate the watermelon. The study involved 46 species of wild bees, and showed that native bees, given proper habitat, could replace the honey bee if needed. Natural habitat must be provided, open soil for soil-dwelling species, and year round food supply must be available within 0.3 kilometers, although further distances may suffice (Winfree).
Native bees are a possible, and currently the best, solution to the problem of CCD. To encourage native bees to live around your home, farm, or orchard, plant native plants. Native plants will thrive without great care and native bees are already well suited to them. Use diversity in color, shape, and flowering times to attract many species to make permanent homes. Not all bees like the same colors or the same shape flowers, so be determined to collect a variety. Avoid pesticides, or read the Devillers study to settle what would be safest to use, and when. Obvious pesticides can only be used safely on different parts of plants; however there are a few pesticides which have been shown to be completely safe for the studied bees. Nesting sites are a must, so leave so inaugurate ground undisturbed, and consider making nesting boxes (NRDC). All these things combined can help a farm or orchard save money by not renting out honeybees, and as CCD becomes more of an express, these prices may rise.
Although native bees seem to be a solution to the CCD problem, other issues arise. Most wild bees are solitary, making transportation to large crops like the California almonds nearly impossible. If you of honeybees stopped in the United States, the millions of dollars received from honey and beeswax would no longer exist. These products would need to be imported, and prices would rise drastically. As CCD affects the world, these products may someday be completely eliminated if we do not get a handle on CCD. Also, the different native bees have other diseases they are susceptible to, and share many of the same diseases with honeybees.
Colony Collapse Disorder is a serious problem effecting beekeepers, farmers, and consumers. If we cannot get a handle on what is causing this, the world may fall into a greater depression, and food prices will waft. To combat this, we need to conclude abusing our honey bees and serve native bees to take residence come farms and orchards. Pesticide use needs to be cut down, used in safer ways, or altogether eliminated. Mass transportation of hives over hundreds of miles needs to be stopped, as this likely causes substantial stress to the honeybees, making them more susceptible to disease.
de Graaf, D. C., “Diagnosis of American Foulbrood in Honey Bees: a Synthesis and Proposed Analytical Protocols.” Letters in Applied Microbiology 43.6 (Dec. 2006): 583-590. Academic Search Complete. EBSCO. University Libraries, Albuquerque, NM. 27 Oct. 2008 .
Devillers, J., “Comparative toxicity and hazards of pesticides to Apis and non- Apis bees. A chemometrical study.” SAR & QSAR in Environmental Research 14.5/6 (Oct. 2003): 389-403. Academic Search Complete. EBSCO. [University Libraries, Albuquerque, NM. 1 Nov. 2008 .
Doebler, Stefanie A. "The Rise and Fall of the Honeybee." Bioscience 50.9 (Sep. 2000): 738. Environment Complete. EBSCO. University Libraries, Albuquerque, NM. 3 Nov. 2008 .
Flores, Alfredo. "Improving Honey Bee Health." Agricultural Research 56.2 (Feb. 2008): 7-7. Academic Search Complete. EBSCO. University Libraries, Albuquerque, NM. 27 Oct. 2008 http://libproxy.unm.edu/login? url=http://search.ebscohost.com/login.aspx? direct=true&db=a9h&AN=28748594&site=ehost-live.
Honey Bees Bag a New Antibiotic." Agricultural Research 54.7 (July 2006): 23-23. Academic Search Complete. EBSCO. University Libraries, Albuquerque, NM. 28 Oct. 2008 .
Kaplan, J. Kim. "A Complex Buzz." Agricultural Research 56.5 (May 2008): 8-11. Academic Search Complete. EBSCO. University Libraries, Albuquerque, NM. 28 Oct. 2008 .
NRDC: Honeybees and Colony Collapse Disorder. Sept. 2008. National Resources Defense Council. 2 Nov. 2008
Paini, D. R. "Impact of the introduced honey bee (Apis mellifera) (Hymenoptera: Apidae) on native bees: A review." Austral Ecology 29.4 (Aug. 2004): 399-407. Academic Search Complete. EBSCO. University Libraries, Albuquerque, NM. 14 Nov. 2008 .
"Two Bees Better Than One." Science & Children 44.3 (Nov. 2006): 8-9. Education Research Complete. EBSCO. University Libraries, Albuquerque, NM.]. 14 Nov. 2008 http://libproxy.unm.edu/login? url=http://search.ebscohost.com/login.aspx? direct=true&db=ehh&AN=22885757&site=ehost-live&scope=site.
Wood, Marcia. “Wonderful Wild Bees. (Cover story).” Agricultural Research 56.2 (Feb. 2008): 4-6. Academic Search Complete. EBSCO. University Libraries, Albuquerque, NM. 14 Nov. 2008 .
Winfree, Rachael, et al. “Native bees provide insurance against ongoing honey bee losses.” Ecology Letters
10.11 (Nov. 2007): 1105-1113. Academic Search Complete. EBSCO. University Libraries, Albuquerque, NM. 14 Nov. 2008 .
Filed under Farmers Insurance by on Feb 22nd, 2011. Comment.
In the last two years, America’s housing industry has just been booming. New home sales, existing home sales, all of the statistics were on the up tick. The only thing the real estate community had to worry about was how long the lope might last. Piece of the reason that the housing market boomed so great was because of all of the fresh creative financing options which would allow people who normally would not be able to afford a home be able to afford to. These people are often strapped for cash, and as a result these homeowners don’t buy nearly enough insurance, which will get them in trouble.
A fresh study which is going to be released by Marshall & Swift/Boeckh LLC, states that 58% of houses are actually undervalued for insurance purposes, and that the average homeowner has enough insurance to rebuild 80% of their home. This means that the values on insurance policies for homes are less than what the actual home would take to rebuild, so if a disaster were to happen, the family would be in quite a bit of trouble.
How is this happening? Part of it is because insurance companies are cutting the types of disasters that they cover. Farmers Insurance is reducing the wind damage cover they have in costal regions and Allstate is cutting earthquake damage in many states. Perhaps the biggest part of the trend comes from the virtual elimination of “replacement cost insurance”, which essentially meant that even if the policy was for less than the amount of money it would take to replace the home, the insurance company would still pay the chubby sum of money that it cost rebuild the home. Since these policies proved to be too costly with booming home prices, companies eliminated them largely and instead pay the face value.
So what can you do to make definite you have enough insurance? Look for a policy which has an option to have “Extra value insurance” which will usually pay a fixed percentage higher than the value of your home on the insurance agreement if it is worth that. This might cost you a few extra dollars but will save you tens of thousands of dollars if something should ever happen to your home. Read your policy each and every year to see if something has changed significantly that you need to know about. Finally, make distinct you have enough insurance to rebuild your home as it is and replace your personal possessions. You can have a simple appraisal done on your home to get its value, and then add up the amount of your assets to calculate this number.
Filed under Farmers Insurance by on Feb 22nd, 2011. Comment.
When wanting for automobile insurance policies we all want the exact same thing – to conserve income This is particularly true given the latest economic instances Having said that, the present trend is to scour the net looking for the easiest deal in auto insurance policy This, whereas helpful at instances, is typically confusing, time consuming and even overwhelming – it would take days to search via all the readily available automobile businesses on the net Consequently, it is normally a lot less difficult and a lot more time efficient to search the old fashioned way, pull out the phone book and call nearby companies for Looking among native insurance policy agents all too often provides numerous advantages
Everybody, it appears, guarantees that they will conserve you cash on your present-day insurance plan rates Geico promises 15 $790 for six months or $132.38 a month I was surprised at the distinction This could possibly not at all times be the case, but many times is If you are genuinely trying for the highest quality vehicle insurance coverage rate on the market to you it would be worth your though to devote at least half of your hunting efforts towards regional businesses Occasionally the top deals are with neighborhood auto insurance policy agents who sell for a larger national organization .
Filed under Farmers Insurance by on Nov 5th, 2010. Comment.



