Most Recent Blog Posts

Aug 22, 2016

The loan process isn't easy, you have to get past the review and the regulator

Getting the loan may not be as easy as you think. Loans require a financial review and getting past the regulator....More
Aug 16, 2016

Family living conundrum: Expenses have doubled but farm income has fell

With farm income down, families must find ways to cut their costs in order for a farm to make a profit....More
Aug 08, 2016

The shell game: Farmers are playing a dangerous game

Some farmers are playing a dangerous game with farm debt....More
Aug 01, 2016

From the other side of the agricultural lenders' IPad

Every industry has its trials and tribulations even the agricultural lending industry. Check out what lenders say they battle regularly....More
Jul 25, 2016

The achilles heel of larger operations

Large operations are being targeted by lenders because they are the most vulnerable because they can quickly lose six figures of net worth and....More
Jul 18, 2016

Knowing what's on your credit report may be key for your soybean and corn operations

As agricultural credit tightens, corn and soybean producers with a keen financial IQ will remain successful....More
Jul 11, 2016

Keep a level head when assessing farm financials

In the emotionally charged era of the economic downturn, interesting exchanges occur between lender and borrower. At a recent agricultural bankers....More
Jul 05, 2016

Brexit impacts on the ag economy

Welcome to the wild world of global economics and politics complete with advanced technologies and constant information! This environment will create....More
Jun 28, 2016

Mid-year ag review: Profits, millennials, land values and ag lending

As we look back over the year thus far, agriculture continues to face various challenges in many different areas. From regulations to input costs,....More
Jun 21, 2016

Do NOT cash in your retirement account

At a recent women’s conference on agriculture, I received several questions about cashing out retirement accounts. One woman's husband suggested....More
Jun 14, 2016

Are U.S. farmers supported by government programs?

Recently, I traveled outside the borders of the United States and a major question posed by farmers and bureaucrats was whether American farmers are....More
Jun 07, 2016

Ag issues in Canada1

Prices, regulations, transition and uncertainty are significant issues for any agricultural operation, regardless of its location. Only time will....More
May 31, 2016

Crop input costs are adjusting

Is there any hope for reduction of crop input costs including cash rent expense? The short answer is yes. According to data, rent, fertilizer, fuel....More
May 24, 2016

Willingness to repay: Ag loan repayment plans

With more farmers incurring negative margins, the "willingness to repay" will be increasingly scrutinized, and could be a challenge. Therefore, a....More
May 16, 2016

You're not special: The value of customer service1

Unfortunately, human interaction is often an overlooked skill. Whether it is a farmer, rancher, lender, supplier or agribusiness professional, the....More
What's Road Warrior?

Dave Kohl is an ag economist specializing in business management and ag finance. He can be reached at sullylab@vt.edu.

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