Most Recent Blog Posts

Nov 24, 2015

Regulators’ impact on ag lenders

The wildcard in this economic reset will not be your lender, the agribusiness industry, or government response; it is the regulator. Like many others....More
Nov 17, 2015

Lessons to learn from business closures outside of agriculture

As the agriculture industry continues to reset, these stories should command particular attention. Changing trends and lack of accurate financials....More
Nov 10, 2015

How is the financial status of your farm business?1

In agriculture, negative margins and declining asset values place many producers in this same financial mindset. What are some of the key items you....More
Nov 03, 2015

Financial ratios for ag operations

Producers who manage for profit and sustainability should use ratios to measure performance. Then, identify the source of any problems and....More
Oct 27, 2015

Farm business finances: Impact of family living withdrawal

When managing a farm business for success and sustainability, all variables must be evaluated including, family living withdrawals and investment....More
Oct 19, 2015

What's the state of the ag economy in late 2015?

As economic scenarios continue to play out in the emerging nations, it will be interesting to see which options the pilots of our economy choose with....More
Oct 13, 2015

The great commodity super cycle impact on family living cost

While navigating your business through a commodity price reset, it is important to ask where your finances stand. Do you have separate personal....More
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
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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