Dairy Of Distinction 1995 Winners Named KINGSTON (Luzerne Co.) The Northeast Dairy Farm Beautification Program announced the 1995 Pennsylvania winners of the Daily of Distinction awards this week. Fbrty-threc farms have been selected by local judges as new recipients of this honored award. They ate: DISTRICT U: Neil Baxter. Alabion; Don Eaton, Adamsville; James & Janet Hunter. Meadville; David ft Teresa Kaschak, Water ford; and King Brothers Dairy, Sandy Lake. DISTRICT 12: Myron Bonzo, Rochester. District 13: Dan Tice, Couders port; and Jack Knowlton, Courdcrsport DISTRICT 14: Marlin & Bren da Heisey, Osterburg; Ralph Beck Jr. family, Tyrone; Duane & Linda Biddle, Roaring Spring; Gerald & Patricia Carr; Somerset; Roy States, Hesston; Keller Brothers, Tyrone; J.TJ. Wakefield Farms, Bedford; Eldon & Marie Sechler, Confluence: Dick & Eleanor Rice, New Enteiprise; and Bi-Ran Farm, Bedford. DISTRICT IS: No winners. DISTRICT 16: Lcire Fry, Mid dleburg; Luke & Mary Lou Rebuck. Domswife; William & Robert Lyons, Loysville; Duane Hcrtzler, Loysville; Barry & Bar bara Lucas, Millerstown; and Ken neth Smith, Thompsontown. MOUNTAIN VIEW SUPPLY, INC. Formerly Shartlesville Farm Service RD 1, Box 1392 Hamburg, Pa. ■ 215-488-1025 Auro/Vuw MILKING stalls With Non-Stop Cow Traffic Using less stalls at maximum efficiency lowers the total cost of your automation and improves labor efficiency. Comparison shows it CYDCrr MORE lakes as much as 50% fewer Auto Flow stalls to achieve the same 1 mwnu * throughput as with similarly automated herringbone and parallel As milking equipment becomes more sophisticated and more SSURBEf expensive, the Investment per stall becomes an important factor. Tmhhhhih# The Surge Auto Flow parlor maximizes efficiencies per stall without sacrificing cow throughput. ban Lucas, Millers town; and Ken neth Smith, Thompson town. DISTRICT 17: Tom McCarty, Sugar Run; and Ernest ft David Norman, Liberty. DISTRICT 18: David Banicky, Thompson; George Davis, Meshoppen; Clyde Henderson; Ray Kuzma. Tunkhannock; Dewey Lyon, Hallstead; and Ed Starzec, Montrose. DISTRICT 19: Marlin Horst, Lititz; Sixcomer Farm, Leola; Fountin Hill Farm, Gap. and Bru baker Farms, Mount Joy. DISTRICT 20:Robert ft Esther Crouse Family, Riegelsville; Clar ence ft Cared Fchnel Family, Eas ton; David ft Rhoda King Family, Cochranville; William ft Lynn Kline, Elverson; Tom ft Shirley Krall, Lebanon; Tomothy ft Deborah Kurtz, Elverson; and Raymond ft Nancy Seidel, Kutztown. The Dairy of Distinction prog ram has been operating in Pennsyl vania for nine years. Including this year's winners, a total of 598 Pen nsylvania Dairy of Distinction Farms have received the award. Watch for a special section in the July 29th issue of Lancaster Farming that will highlight each farm. In addition a color portrait of each winning farm will be pre sented to the owners at Ag Prog ress Days. Dairy M of ■ Distinction From... Dairy oi Distinction Supplement to Lincwter Farming, Siturday, July 29,1985-P>gfc33 Cash Flow Accounting Helps Credit LARRY LABOWSKI Extension Agent YOUNGS VILLE (Warren Co.) —Have you ever asked a banker for a loan, only to be turned down, even though you have never missed a payment to anyone in your life? If you have, you are not alone! But, before you punch out the poor loan officer, take a hard look at how the loan would affect your day-to-day finances. Probably the most important financial document that you can provide to your banker is the cash flow statement. This form will show where all of your hard-earned money goes. You may even be surprised! Let’s start by looking at the time when money always gets the tightest: Spring Planting Seed and fertilizer are often purchased early for tax planning, or to take advantage of dealer dis counts. However, even if that is the case, farmers are still caught paying for fuel. oil. and repairs that happen most when the equip ment is used heavily. Dairy a if) of m Distinction Mry F«rm ■nuMleMlon Frofmw Award Winners! Does your milk check increase just because you need the funds in April and May? Usually not enough to cover everything for planting. This creates a need to borrow money from someone. The first place most farmers borrow is from the supplier on a short-term account, usually 30 days. But, what happens after 30 days? Interest is usually charged at a rate of at least 18 percent APR, or 1.5 percent of the month ly balance. Most lenders currently charge between 10-12 percent at least a third cheaper! If you can afford to pay back the spring planting costs over the next 12 months, and still show a positive cash flow, the banks are usually willing to lend you the money. There arc several ways you can keep track of your cash spending. 'Hie most basic system is to record each bill you pay, as they occur into some kind of ledger. Another is a computerized record system. Or, you may hire someone to keep track of every thing for you. Get More Money For The Milk (Continued from Pap# 31) plementation with bypass methio nine and lysine increased milk protein contents from 3.38 to 3.42 percent, from 3.04 to 3.19, and from 3.13 to 3.16 in three trials; milk protein yields also increased from 2.5 to 2.8 pounds per cow per day on average. Since milk on the farm is paid for by its solids, protein and fat Dairy Ah of fU Distinction Since 1944, we have provided dairy and beef farmers with top quality genetics through professional service at reasonable prices. We are proud to be an important part of today's herd improvement programs for our members producing healthy food and working toward a more profitable future. now in our 52nd year of service [Atlantic! (^t^B^RSCOOTERgIV^ 1575 Apollo Drive, Lancaster, PA 17601 24-hour toll-free phones: long distance —l-800/444-6456 Lancaster local 569-0411 —stop and visit us at Ag Progress Days Using any of these systems will help you show your lending insti tution how you will repay the proposed loan. Cash flow analysis is also great for decision making! You can use your records to show how changes in your operation will affect your bottom line. The following example is of a farmer considering to increase his production level to increase his cash flow: Determine Cash Inflow: Increased Milk Sales Determine Cash Outflows: Additional Feed Costs; Increased Vet Expenses; Addi tional Marketing Costs Net Cash Flow This simple model can be used for any purchase you have planned. If you borrow money to make (he purchase, be sure to include the payments in the cash outflow. Cash flow budgeting is very important to fanners. Not only will it improve your borrowing relationship, but you should have a better understanding of where your money goes. contents, changes in milk com position will increase milk price and, hopefully the bottom line on the dairy farm. Strategies to maximize the farmer’s price for milk are basic to the question of whether the American dairy farm will still be around tomorrow. It may also be the most effective means for farm preservation. Congratulations, award winners!
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