Dedicated Insurance Professionals you know and trust...like Family
Issue No. 25

December 18,  2012

 

Merry Christmas and Happy New Year

From the TACT Staff and Board

 

 

Greetings!

  

Strictly Business...

As we pause this time of year to give thanks and to gather with loved ones, TACT hopes that the Holiday Season finds you healthy and looking forward to a prosperous 2013.

 

TACT maintains its efforts in providing you with products and services that YOU own. YOU are our business and, as has been stated before, as the nation moves toward implementation Health Care changes, we will keep you informed as to information affecting you and will continually work to maintain all that you have come to expect from YOUR healthcare coverage and YOUR healthcare company.

 

We wish you a very Merry Christmas and a wonderful New Year.

 

 

TACT - Dedicated Insurance Professionals
you know and trust...like Family.  
 

Agriculture

in the News

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  Groups Struggle
with Truth in Effort
to Kill Farm Bill

 

Courtesy - The Hand That Feeds The US

By Larry Combest, former House Ag Chairman, now a principal in Combest Sell & Associates

 

Former House Ag Chair Larry Combest takes issue with Farm Bill opponents.

 

Libertarian and environmental groups are urging the House of Representatives to oppose a five-year farm bill this fall, oppose inclusion of Direct Payments in an extension of current law, and advocate for a transparent farm bill process next year.

 

These groups are entitled to express their views, but they also owe Congress the truth.

 

Regrettably, they are not telling the truth in claiming the farm bill costs $1 trillion. This figure is arrived at by adding in the cost of every law the farm bill amends even when the purpose of the amendment is to reform and cut, not reauthorize, and then by using a 10-year number to double the inflated cost. Only about 6 percent of the $1 trillion number depends on a farm bill rewrite, a majority of which is to continue conservation initiatives.

 

What really matters in the debate over numbers is this: the Congressional Budget Office says the House farm bill would save taxpayers more than $35 billion and the Senate bill would save north of $23 billion.

 

The groups are also not shooting straight when claiming they support an extension of current law but only without Direct Payments so the farm bill can be written next year. They know if Direct Payments are eliminated so is the money to write a new farm bill, meaning there would be no farm bill next year or any other year.

 

Finally, the groups are not telling the truth when they say their aim is a transparent process next year. The farm bill has been transparent, having been debated for three years, through 46 hearings, two markups, and a Senate floor debate. The farm bill might also have been debated on the House floor but for these groups strongly urging the House not to take it up, undoubtedly concerned it might pass. Pushing for a transparent process next year when the groups rejected such a process this year is hypocrisy.

 

Although these groups do not care to tell Congress the truth, they have little difficulty trying to push lawmakers around. Some have threatened to negatively "score" a vote cast for a farm bill or even an extension unless the latter is gutted to make it impossible to write a bill next year. Thus, legislators are forced once again to choose between their constituents and these groups for this is hardly the first such ultimatum. Earlier this year, many of the same outfits opposed a transportation bill, stating it was a state rather than federal issue, although at least one also offers the view that the federal transportation system is bad for the environment.

 

When I represented West Texas in the House of Representatives, I earned a 100 percent voting record from the Americans for Tax Reform. I earned this rating because there is zero inconsistency between the principles of small government and low taxes and US farm policy. There is nothing conservative or patriotic about permitting other nations to use high and rising subsidies and tariffs to unfairly compete against an important sector of the American economy. Instead, I advocated a fiscally responsible farm policy that has allowed our producers to compete in distorted global markets and survive natural disasters. US farm policy has promoted a decade of growth, reduced trade deficits, created jobs, and seen the economy through two recessions at a federal commitment consistently below budget and standing today at a record low, equal to less than one-quarter of 1 percent of the federal budget.

 

So it strikes me odd that libertarian groups (for they are hardly conservative) have aimed their guns on a small corner of the federal budget (with an economically and fiscally successful record) in the context of a far larger debate involving $4 trillion in tax and spending decisions affecting the economic course of the country. Failure to tackle these issues would result in tax increases, indiscriminate budget cuts, two million more jobless, recession, another downgrade in US credit-rating, and one more jolt to the confidence Americans and the world have in Washington. Yet, groups with monikers touting concern for taxpayers, prosperity, and growth are opposing a farm bill that would generate $35 billion in budget savings in service to all three.

 

These groups' priorities are out of whack. Is it not common sense that taxpayer groups would want to focus on, well, taxes? Why are libertarian groups teamed up with extreme environmental groups in championing higher taxes, such as a carbon tax, and more government regulations? And why are these environmental groups, in turn, teaming up with corporate interests whose policies they claim to oppose? The cozy relationship between many who process food and those who make a living protesting how food is processed certainly raises credibility issues.

 

Have these groups gone berserk, are they beholden, or both? Either condition might explain the strange behavior, but neither would excuse the conduct. Truth can be inconvenient but it is seldom elusive. While making peace with truth, these groups should go another step and offer a little transparency of their own by disclosing when their donors have a financial stake in the outcome of legislation they seek to affect. For example, many of these groups are listed by a company with an interest in dismantling sugar and dairy policy as sharing in part of $6.1 million in donations in 2011 alone. This is just a quick gaze at the company's giving list for that year. Perhaps a more extensive inquiry would turn up more. In any event, if financial interest rather than philosophy of government is what really lies behind all this, Congress and the public should know it.

 

Congress should pass the farm bill.

Former Rep. Larry Combest, a Republican, represented much of West Texas in the US. House of Representatives for nearly 20 years, including as Chairman of the Select Committee on Intelligence and the Committee on Agriculture. Combest is now a principal in Combest Sell & Associates, a government affairs office proudly advocating strong US farm policy for American farmers, ranchers, and rural concerns.

 
 

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Farm Bill Related News -
Great Progress on
5-Year Farm Bill

 

  By David Rogers, Politico - Dec. 6, 2012

House Agriculture Committee Chairman Frank Lucas signaled new optimism that a deal could be reached on a five-year farm bill, saying "great progress" has been made on the commodity title and he is looking for a year-end budget agreement to get over the finish line.

 

With just weeks left before this Congress adjourns, Lucas spelled out a process in which enactment could be delayed until early 2013 as part of a larger deficit-reduction package. But a five-year bill "can be done and if the powers that be determine that it will be done, it will happen," Lucas said.



Read more: http://www.politico.com/story/2012/12/great-progress-on-5-year-farm-bill-84685.html#ixzz2Ei18fMzC

 
Christmas Tree Farming
In Texas

 

By James Chandler, Texas A&M Horticulture Dept.

Texas has an excellent potential in the Christmas Tree market because of population. In 1982, the estimated population was 15.3 million and the approximate number of households was 4.7 million. For this reason, northern and western Christmas tree growers ship truckloads of trees into the state each year. Texas growers have captured a portion of this market by supplying well-formed, fresh trees at a competitive price. Texas Christmas tree production can be profitable but requires time and long-term, financial investment for intensive cultural management practices to produce high-quality
Christmas trees.

 

Tree Variety

Virginia pine(Pinus virginia) is the major Christmas tree species for the acidic soils found in East Texas. A grower can produce a 6- to 8-foot Virginia pine Christmas tree in 3 to 5 years, depending on soil and climatic conditions. Two sources of seedlingsare the Texas Christmas Tree Growers Association and the Texas Forest Service.

 

Afghan pine (Pinus eldarica) is the major Christmas tree species for the alkaline soils found in South Central and West Texas. Growth rate of this pine variety is very similar to Virginia pine. Planting stock for Afghan pine is available from several commercial source.

 

Other tree species planted in limited amounts are eastern  redcedar (Juniperus virginia), deodar cedar (Cedrus deodara), Arizona cypress (Cypressus arizonica), sand pine (Pinus clausa) and spruce pine (Pinus glabra). These are usually restricted to choose-and-cut operations which provide variety for the customer.

Preplant Procedures:
Many problems may be avoided by carefully choosing and preparing the planting site. Establish the Christmas tree plantation on the best site possible. Do not put iton land that would not be used for anything else. Major factors to avoid are poor drainage, inaccessibility and shading from mature timber stands.Site preparation is beneficial to early tree growth and development.

 

Management Procedures:

Christmas tree production is not a weekend business. It is not a venture for absentee landowners unless someone is available to work the plantation on a routine basis. During the growing season, daily attention is required.

A good example of regular work is insect pest control. An intensive insecticide spray program is an integral part of plantation work. Insects are more susceptible to control measures at specific times during their life cycles. 

 

Soil moisture is critical the first year that seedlings are in the ground. In East Texas, Christmas tree plantations generally receive adequate rainfall for first-year seedlings if wee(I competition is controlled around trees. In South Central and West Texas, trickle irrigation systems are used on Afghan pine plantations.

 

Always control competing vegetation. Weeds compete with trees for available soil moisture and shade lower branches, causing sparse foliage in the lower portion of marketable trees.

 

Marketing:

Most Christmas trees are marketed when they are at least 6 feet in height. Growers may consider marketing choose-n-cut atthe farm, wholesale or through retail lots of their own.

 

 If the Christmas tree farm is located in an area with a large number of households, a good choose-n-cut operation can be established. Depending on the distance from neighboring urban areas, choose-n-cut farms sell trees ranging from $2.50 to $5 per foot of height.

By selling on a wholesale basis, a grower sells a bulk amount of trees at a lower price per tree, but it does not require dealing directly with the public. Wholesale only high-quality trees and concentrate on building future clientele.

 

In Texas, a 4-year period is generally required to produce a marketable tree. It is estimated that approximately $2,500 per acre is invested before the first tree is sold. 

 

Click here to read about the history of the Christmas Tree.

 To Your Health
  the latest in healthcare news...
Healthcare Regulation Fee
to Raise $25 Billion 

 

 WASHINGTON -- Your medical plan is facing an unexpected expense, so you probably are, too. It's a new, $63-per-head fee to cushion the cost of covering people with pre-existing conditions under President Barack Obama's health care overhaul.

 

The charge, buried in a recent regulation, works out to tens of millions of dollars for the largest companies, employers say. Most of that is likely to be passed on to workers.

 

Employee benefits lawyer Chantel Sheaks calls it a "sleeper issue" with significant financial consequences, particularly for large employers.

 

"Especially at a time when we are facing economic uncertainty, [companies will] be hit with a multimillion-dollar assessment without getting anything back for it," said Sheaks, a principal at Buck Consultants, a Xerox subsidiary.

 

Based on figures provided in the regulation, employer and individual health plans covering an estimated 190 million Americans could owe the per-person fee.

The Obama administration says it is a temporary assessment levied for three years starting in 2014, designed to raise $25 billion. It starts at $63 and then declines.

 

Most of the money will go into a fund administered by the Health and Human Services Department. It will be used to cushion health insurance companies from the initial hard-to-predict costs of covering uninsured people with medical problems. Under the law, insurers will be forbidden from turning away the sick as of Jan. 1, 2014.

 

To read the story in its entirety, click here.


Read more here: http://www.star-telegram.com/2012/12/10/4475016/surprise-new-insurance-fee-in.html#storylink=cpy

 

   

 Healthful Hint
Healthful Hint
Helpful Hints
for Healthy Teeth

 

 Portions Courtesy WebMD.com

Remember how your mother used to tell you almost everything you did was "bad for your teeth?" You may have forgotten some of her warnings. And some things she said might not be as bad as you think.

 

  

Whiteners: Good or Bad? 

 

Gregory L. Paskerian, DMD, a private dentist and former assistant professor at Tufts University, tells WebMD that  the new whitening rage follows a continuum of products. "The strips and other over-the-counter whiteners do not damage teeth or burn gum tissue," he says. "The trays (to hold the peroxide solution) you can buy may can contain an acidic, unbuffered solution, which could damage enamel."

 

The best tray-type lightening, he says, is provided by the dentist, who can control the solution and timing.

"For the fastest and safest whitening," Paskerian says, "you need to get the high-intensity light systems. This light changes the molecular structure of the enamel for a time, but it goes back to normal and at a lighter shade."

He adds, though that whitening is not really a color change, but a brightness or value change.

 

Don't Overbrush Your Teeth 

 

Price says it's hard to go wrong on paste or brush if you look for the American Dental Association (ADA) label of approval. "This means a brush is firm enough to remove plaque but not tear up gums," he says. "Choose a brush like you would a piece of silverware -- something that feels comfortable in your hand." The designation of "Soft" is preferred by most dentists.

 

 "Don't use a brush more than three months," Price adds. "That is the limit."

 

If you use an electric brush, Paskerian recommends a rotary head type that you take from tooth to tooth rather than cruising across the teeth with it.

 

Water picks, both dentists say, can drive bacteria back up into the gums, which can lead to it lodging in other parts of the body, such as the heart. "The picks do not remove plaque," Paskerian says.

 

Prebrush rinses, Price says, are no substitute for brushing. These methods should be used together. Toothpaste is an abrasive, with some therapeutic additions, namely fluoride, which strengthens enamel and can shore up little breaches in it before cavities develop.

Brushing itself should be gentle, with the bristles at a 45-degree angle to the teeth, Paskerian says. Swish gently with an oval motion rather than raking the brush side to side across the teeth.

 

What about the ever-popular floss? Paskerian recommends the easy-glide type -- daily, of course. Since the dentin between teeth is not fully mineralized with hard enamel, don't saw away like mad. Paskerian is also skeptical of the new "paste" floss -- that means an abrasive is being pulled over the dentin, he says.

 

What About Sugar? 

 

What was Mom's biggest refrain about teeth? Sugar! "You will ruin those beautiful teeth!"

 

Sugar, both dentists say, is not the problem. How long the sugar stays on teeth is the problem. Given enough time, the bacteria in your mouth feed on the sugar and excrete damaging acid that can eat through enamel forming cavities.

 

So if you eat candy, brush afterward if you can.

Or chew some gum! Amazingly, even sugar gum is not a big no-no for teeth, the dentists say. It churns up lots of saliva, which carries off the sugar in short order.

Some sugarless gum, containing xylitol, is even a good decay-preventer. In fact, in California, researchers are trying to make Gummi Bears into a dental aid by making them with xylitol.

 

Soda, too, is not too much of a tooth problem, if you brush or drink water afterward. In fact, the diet kind contains more phosphates than can be acidic to enamel and may be a bigger threat to your choppers than regular.

Dark chocolate is not too bad for your teeth, either, Price notes. 


Keeping you InTACT -
 Make note of TACT's Open Dental Enrollment
taking place during the month of December.
 
See Below!
 
 

  

TACT Holiday Hours

 

Christmas - The TACT office will be closed Monday, December 24th and Tuesday, December 25th in celebration of Christmas. The office will reopen for business as normal on Wednesday, December 26th.

  

New Years -  The TACT office will be closed Monday, December 31st and Tuesday, January 1st  for New Years. The office will reopen for business as normal on Wednesday, January 2nd.

 

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 to contact the TACT office.

In This Issue
Agriculture In The News - Former House Ag Chair Larry Combest takes issue with Farm Bill opponents.
Great Progress on 5 Year Farm Bill
Christmas Tree Farming in Texas
The Latest in Healthcare News
Healthful Hint
TACT Holiday Hours
Refer Us!
Facebook Feature 
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Next Issue: January 8, 2013
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