David Kohl

Articles by David Kohl
Margin Management
With extreme volatility in all aspects of agriculture, margin management will be imperative for successful businesses
A Look Behind the Lender’s Desk
This winter it will not be business as usual. Here is what you can expect from the other side of the desk from your ag
Why Is My Lender So Uptight?
Many of you who are renewing lines of credit and seeking mortgage or intermediate-term credit are noticing concern
The Most Important “C” of Credit
If you have borrowed money, you have most likely heard your lender discuss the Five C’s of Credit. Recently, many
Business Root Canal
After a recent seminar at a national woman’s conference in Salem, OR, a lady approached me concerning her recent family
Teachable Moments in the Last 18 Months: Part IV
In recent columns we have discussed a range of topics and strategies that were learning experiences from the latest
Last Talk of the Decade
The grain industry, which historically had two favorable years in every 10 years on average, experienced a bullish
The Six C is Cranium
While not all of agriculture has experienced the economic freefall, there are proactive management lessons to be
Teachable Moments in the Last 18 Months: Part III
We have drawn from some football analogies for a parallel universe to agriculture. Now let’s examine some more lessons
Teachable Moments in the Last 18 Months: Part II
Not all of agriculture experienced the economic freefall, there are proactive management lessons to be learned from the
Number 32 in the Books
A trip to San Antonio, TX, to address the American Bankers Association’s Agricultural Conference is always a highlight
Teachable Moments in the Last 18 Months: Part 1
Wow, the last 18 months economically have been like a top-rated football program with high expectations that have come
Farm Income Range Widens
Recently my travels included a stop to address the FINPACK Lenders Conference in Mankato, MN. Bob Craven, director of
Pulling the Plug on a Business
Often, family farm businesses consist of multiple generations. The generation in financial dire straits does not want
Lesson Learned
In a recent webinar a participant asked me two great questions: “Do you think lenders and banks have learned their
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