September 3_ 2004 - University of Kentucky

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					October 29, 2004

AGRICULTURE AND NATURAL RESOURCES

Economics of Mastitis Control

FAMILY AND CONSUMER SCIENCES

Meeting Your Savings Goals


4-H YOUTH DEVELOPMENT

Kentucky Delegates Chosen To Attend
National 4-H Congress Nov. 26-30

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Economics of Mastitis Control

Source: Bill Crist

        Following good mastitis prevention practices will improve milk income from your
dairy herd.
        Mastitis costs dairy farmers $184 per cow per year according to estimates from
the National Mastitis Council. This translates into nearly $20,000 a year in a 100-cow
herd. About two-thirds of the lost income is caused by reduced milk production.
        Although you may see the loss in milk discarded because of mastitis and the
expense of disease treatment, these costs are minor compared to the reduced milk
production that is not visible.
        A good mastitis prevention program will dramatically reduce this disease in your
dairy herd.
        Dipping teats after milking is one of the keys to preventing new mastitis
infections. While it may seem simple to say "all teats of all cows should be dipped after
milking," it is much more difficult to regularly follow this practice.
        Be sure the teat dip contains an effective germicide such as iodine,
chlorhehidine, or another one. Contact the (County Name) Cooperative Extension
Service for a copy of the National Mastitis Council's annual report on efficiency research
on teat dips.
        When teat dipping after milking, always cover at least two-thirds of all teats with
the dip. The best way to do this is to actually dip them in a teat cup. Do not spray the dip
on teats because it is nearly impossible to get good coverage using this method.
        The best way to cure mastitis is to use a dry cow therapy product to treat every
quarter of every cow at drying off. This treatment prevents most of the new mastitis
infection that normally occurs during the first part of the dry period.
        When reviewing your mastitis prevention program, remember the importance of
the cows' environment because the cleaner cows have less risk of mastitis.
        Sawdust used as bedding can contain high levels of mastitis-causing bacteria.
Even kiln-dried sawdust that has been in the freestall a few days can have extremely
high levels of the organisms. To reduce the risk of environmental mastitis, add fresh
sawdust at least two times a week.
        For more information on mastitis prevention, contact the (County Name)
Cooperative Extension Service.
        Educational programs of the University of Kentucky Cooperative Extension
Service serve all people regardless of race, color, age, sex, religion, disability or national
origin.
                                     -30-

Meeting Your Savings Goals

Source: Sue Badenhop

         To help ensure sufficient funds to meet your savings goals, start early and
regularly put aside money.
         These tips will help boost savings to satisfy all your financial goals.
         Set goals based on what you will need or want in the future. Write down the
dollar amounts you will need for your goals.
         Maintain easily accessible savings for emergencies. It is a good idea to have at
least three months' expenses in a reliable, liquid account. Money-market accounts and
certificates of deposit are preferable to a savings account. Do not keep emergency
savings in a checking account, which pays little or no interest and is easily accessible for
current consumption.
         Do not abandon the idea of saving when your monthly budget is tight. Instead,
adjust expenditures and your lifestyle to find money for savings, even if it is a small
amount. Save 50 cents a day, buy a grocery store's private brands rather than named,
national brands and pay the credit card bill on time to avoid the late fee and you have
saved at least $50 each month.
         A modest amount of regular savings will substantially grow over time through
compound interest, when your interest earns interest. For example, saving $50 a month
for 40 years will yield more than $99,000 in principal and interest. Taking advantage of
compound interest makes it easier to reach your long-term financial goals.
         Paying off high-cost debt is another way to save. If you have a $3,000 credit card
balance at a 19.8 percent interest rate and you pay the required two–percent minimum
balance, or $15, whichever is greater, it will take 39 years to pay off the balance and you
will pay more than $10,000 in interest.
         An employer-related retirement program is a good investment for most people
because most employers contribute to this type program. To take full advantage of the
employer contribution, many employees must first make a contribution. Unfortunately an
estimated one-half to one-third of employees do not take full advantage of these
programs.
         If you are eligible, regularly contribute to an Individual Retirement Account,
especially if you do not have access to an employer retirement program. Roth IRAs grow
tax free. At a five-percent yield, saving $1,000 tax-free for 40 years will accumulate
$127,840. By saving $4,000 annually under the same conditions, you will accumulate
$511,359.
         Buy a home and pay off the mortgage before retiring. Once you make the last
mortgage payment, your housing expenses are much lower. You can convert the home
into cash by selling it, or borrow against it in an emergency.
         Choose savings and investment tools wisely. You might reduce savings with a
high-risk investment. Conversely, inflation could decrease your buying power if you are
too conservative.
        Review your savings plan annually and adjust the amount saved and how all
your money is invested.
        For more information on personal finance, contact the (County Name)
Cooperative Extension Service.
        Educational programs of the University of Kentucky Cooperative Extension
Service serve all people regardless of race, color, age, sex, religion, disability or national
origin.
                                     -30-

Kentucky Delegates Chosen To Attend
National 4-H Congress Nov. 26-30

Source: Jann Burks

        Kentucky's 4-H Youth Development program has 26 delegates to attend the
National 4-H Congress November 26 through 30. Delegate selection is based on each
youth's community service record and a regional interview. 4-H members must have
achieved at least a bronze level in the Honors Program to apply to attend the congress.
        Kentucky delegates are Matthew Lodmell of Woodford County, Erin Baker, Chris
Bellis-Jones, Jennifer Lewis, James Lyons and Jordan Stanek of Scott County; Amanda
Brown of Monroe County; J. Ben Brown and Megan Talcott of Warren County; Toni
Brown and Adrienne Wilson of Carlisle County; Kimberly Conner of Livingston County;
Jaclyn Farris of Clark County.
        Also, Heather Ferguson of Calloway County; Jenna Gover and Sean Lair of
Lincoln County; Lauren Lamar and Rebecca Sexton of Hancock County; Michael Meyer
of Harrison County; Elizabeth Riley of Christian County; Brennan Smith of Hart County;
Philip Smith of Montgomery County; Casey Stivender of Fayette County; Stephanie
Stone of Madison County; Carrie Ann Tilghman of Barren County, and Earlene Whitaker
of Grayson County.
        They will be accompanied by 4-H Youth Development Agents Lena Mallory of
Marshall County and Jeremy Teal of Hopkins County and Extension Associate for 4-H
Youth Development Jann Burks of Fayette County.
        The national congress brings together youth ages 14 to 19 from across and U.S.
and its territories to hear outstanding community leaders and educators address
pertinent issues and needs. In educational, recreational and networking activities,
delegates focus on leadership, empowerment and cultural diversity. Delegates also are
exposed to many cultural and educational resources.
        Collectively, these experiences help youth become capable, competent and
caring citizens as they bring knowledge back to their local communities.
        Congress programs are built on the belief that young people are significant
partners in addressing issues the nation faces, especially those affecting youth. A team
of Cooperative Extension System educators and 4-H youth and adult volunteers
determines the most effective ways to address current youth issues, and programs are
developed around these methods.
        "Growing into the Future" is the theme. It will focus on environmental awareness
including alligators, marshes, rainforests, acid rain, global warming, smog and the
"global village."
        In a continuing community service project with the local Habitat for Humanity
Chapter, all participants are asked to bring 100 dimes to help reach the goal of $65,000
to build a house in the Atlanta area.
        The congress, a national tradition for more than 80 years, initially was designed
to recognize state and national winners. This year's event, like preceding ones, will
provide outstanding educational opportunities for 4-H members, as well as recognizing
excellence in members.
        4-H Clubs, originally designed for rural agricultural youth, have expanded to meet
the needs of rural, suburban and urban youth from all economic, social and cultural
backgrounds. Members have access to educational opportunities in a variety of subject
matters.
        4-H is a community of young people across America learning leadership,
citizenship and life skills.
        For more information on becoming a member or volunteer, contact the (County
Name) Cooperative Extension Service.
        Educational programs of the University of Kentucky Cooperative Extension
Service serve all people regardless of race, color, age, sex, religion, disability or national
origin.
                                      -30-

				
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