While leafing through a Plow & Hearth catalog a few days ago, I spotted a unique product that made me think of the many benefits of no-tilling.

As increased levels of dissolved phosphorus are identified as a major concern dealing with the increased algal blooms found in Lake Erie, some folks have been pointing a finger at no-till as the cause. Yet the facts regarding phosphorus runoff in the Western Lake Erie Basin watershed near Toledo, Ohio, don't back up that argument.

With more no-tillers interested in cashing in on cover crops to boost yields, slash fertilizer costs and curb soil erosion, everyone needs to understand the ramifications of qualifying for crop insurance. Otherwise, you may find yourself with a substantial yield loss claim that ends up being denied.