Most Recent Blog Posts

Oct 06, 2015

Ag lender dilemma: Increased oversight, regulation

Increased oversight and regulation limit your lender’s flexibility. Be aware of this situation and be prepared! Make sure your financial records are....More
Sep 29, 2015

Choosing the next enterprise for the farm operation

There is no magic silver bullet in selecting the next best enterprise for your farm operation. First, assess the goals and values of the business,....More
Sep 22, 2015

Would you burn working capital to keep farming?

First, one must consider the producer’s goals; business, family and personal. Next, look at the current business position. If the business is near....More
Sep 14, 2015

Worst farm management practices

This is my list of the worst top 10 management practices. There are most certainly other aspects and components that are very important for....More
Sep 08, 2015

Complete, accurate farm financials necessary for ag lenders

In the past, the lender may have completed the financial records for the borrower in reaction to stiff competition or perhaps, did a simple credit....More
lender meeting
Aug 31, 2015

Advice for new ag lenders1

Increasingly, new lenders will be less familiar with agriculture and farm backgrounds. Further, expect individuals from varied backgrounds, national....More
Aug 25, 2015

Tips for millennial generation farmers

The millennial generation of producers will set new trends, use more advanced technology and take the agriculture industry into the future. Now is....More
Aug 18, 2015

Best risk-management tools for agriculture operations

good risk management should be a number of strategies implemented in various combinations to mitigate risk for specific business needs. Often, a....More
Aug 10, 2015

Know your farm operation costs

Knowing your cost of production is essential to operating a sustainable business. Therefore, the ability to determine your cost is extremely....More
Aug 05, 2015

Margins, cash rents and land values

In my travels conducting seminars, speeches and schools, margins, cash rents and land values appear to be major questions for people connected with....More
Jul 27, 2015

Perspective on the lending industry

Today’s producers face squeezed margins and immense industry change; some voluntary and some not. The lender sitting on the other side of the desk....More
Jul 21, 2015

Farm management strategies for tough economic times

Economic health and viability are at the forefront for many involved in today’s agriculture industry. While some may prefer to just eat ice cream....More
Jul 14, 2015

Ag lender transition

Agriculture is in a time of transition that will affect assets, operations and people. The ag lending industry, however, is also in a time of....More
Jul 07, 2015

State of the U.S. ag economy: Energy, row crops, consumer sentiment

Overall, the United States economy at halftime will grade out strong for the coasts and in the southern part of the country. Weather will of course,....More
Jun 30, 2015

Surviving an economic downturn in the agriculture industry

While difficult, decisions of restraint during the super cycle of profits put producers at an advantage going into this economic downturn. Many of....More
What's Road Warrior?

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

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