Most Recent Blog Posts

Jul 10, 2012

Views of Risk From Your Lender’s Perspective

Let’s go to the other side of the desk, or in today's world, the iPhone or the iPad, and view risk from the perspective of the institutions that lend....More
Jul 03, 2012

Liquidity and Leverage: The Next Farm Financial Crisis

In the last article, a series of questions and answers concerning liquidity of farm businesses was discussed. For the most part, producers are....More
Jun 26, 2012

What is Happening with Working Capital?

At a recent Farm Credit University face-to-face meeting, Ronnie Hucks of AgFirst Farm Credit Bank asked me, “What is happening with working capital....More
Jun 18, 2012

Bankers’ Views on the Elections and Economy

I just finished my 23rd year teaching at the Graduate School of Banking at Louisiana State University in Baton Rouge, LA. My responsibilities include....More
Jun 12, 2012

Economic Storm Clouds on the Horizon

Like a major storm brewing on the horizon, the convergence of events in the U.S. and globally bear watching like a summertime cold front. Economic....More
Jun 05, 2012

Euro Sector’s Impact on Agriculture

The economic soap opera seems to be never ending for the European region's economies. Ag lenders and producers want to know how the condition of....More
May 29, 2012

Is This Your Kid? The Top Half of the Bell Curve

My last article focused on those students who fall in the lower half of the bell curve based upon my experiences as a guest lecturer this winter and....More
May 22, 2012

Is This Your Kid? The Bottom Half of the Bell Curve

Over the past few months I have guest lectured in agriculture and business classes at various universities and colleges. Of course, times are....More
May 15, 2012

The Rule of Ten

The lead-in to this topic came from a farmer who had heard me speak about the Rule of 10 a number of years ago, and had experienced it in his own....More
May 08, 2012

Student Loan Dilemma

The other day my road warrior travels took me to New England to a pre-wedding party for my son and his fiancée. After meeting everyone (boy, do they....More
May 01, 2012

Perspectives From Canada

My road warrior travels recently took me north of the border to Canada. It is amazing how many Americans know so little about our biggest ally to the....More
Apr 24, 2012

How Much Working Capital Do Farmers Need?

The other day a producer asked me an interesting question. With all the emphasis on working capital and cash lately, how much should you keep on hand....More
Apr 17, 2012

Interest Rates: What is Normal?

At a recent Executive Producer Roundtable summit in Spokane, WA, participants asked Ed Seifried and I the question, “What is a normal level of....More
Apr 10, 2012

Perspectives on Financial Liquidity

Over the years, many of you have heard me discuss the importance of financial liquidity. In the current times of extreme volatility and global....More
Apr 03, 2012

Insight on Rise in Interest Rates

The other day I was conducting a family business seminar for Farm Credit Services Southwest and American Ag Credit. A number of the participants were....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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