Road Warrior http://cornandsoybeandigest.com/blog/70011/feed en Ag lender perspectives: transition, interest rates, land values http://cornandsoybeandigest.com/blog/ag-lender-perspectives-transition-interest-rates-land-values <div class="node-body blog-body"><p>Interest rates, land values and cash flow are top of mind topics in the agricultural world. Expect ag lenders to financially shock test your cash flow statement for a 1%, 2% and 3% rise in variable interest rates. Lenders will be much more conservative now when lending against land values particularly in the red-hot land markets of the Midwest and the upper Midwest. Expect to invest more equity and cash in your growth and expansion projects. </p></div> <div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li> </ul></div><p><a href="http://cornandsoybeandigest.com/blog/ag-lender-perspectives-transition-interest-rates-land-values" target="_blank">read more</a></p> http://cornandsoybeandigest.com/blog/ag-lender-perspectives-transition-interest-rates-land-values#comments Issues Management Road Warrior Wed, 16 Apr 2014 01:47:00 +0000 90351 at http://cornandsoybeandigest.com Is weather affecting economic indicators? http://cornandsoybeandigest.com/blog/weather-affecting-economic-indicators <div class="node-body blog-body"><p>One major questions people have asked David Kohl this winter is whether the “blah” economic indicators, domestically and globally, are the result of bad weather. Here he examine some of the lead and lag economic indicators to ascertain any apparent trends.</p></div> <div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li> </ul></div><p><a href="http://cornandsoybeandigest.com/blog/weather-affecting-economic-indicators" target="_blank">read more</a></p> http://cornandsoybeandigest.com/blog/weather-affecting-economic-indicators#comments Issues Management Road Warrior Tue, 08 Apr 2014 20:23:00 +0000 90221 at http://cornandsoybeandigest.com Dos and Don’ts for Younger Agricultural Producers http://cornandsoybeandigest.com/blog/dos-and-don-ts-younger-agricultural-producers <div class="node-body blog-body"><p>To the younger generation desiring to farm or be involved in agribusiness, a business plan is critical. Also, have your risk management plan, i.e. marketing options, hedging, contracts and/or crop insurance, linked to basic assumptions and scenario testing of cash flow outcomes. Do not assume the operation will be yours at the passing of the senior generation.</p></div> <div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li> </ul></div><p><a href="http://cornandsoybeandigest.com/blog/dos-and-don-ts-younger-agricultural-producers" target="_blank">read more</a></p> http://cornandsoybeandigest.com/blog/dos-and-don-ts-younger-agricultural-producers#comments Issues Management Road Warrior Tue, 01 Apr 2014 15:41:00 +0000 90091 at http://cornandsoybeandigest.com Dos and Don’ts for Older Agricultural Producers http://cornandsoybeandigest.com/blog/dos-and-don-ts-older-agricultural-producers <div class="node-body blog-body"><p>A challenging question David Kohl received at a recent conference was: “What is one do and one don’t you would recommend to younger and older producers?” His answer to the older generation revolved around farm transition.</p></div> <div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li> </ul></div><p><a href="http://cornandsoybeandigest.com/blog/dos-and-don-ts-older-agricultural-producers" target="_blank">read more</a></p> http://cornandsoybeandigest.com/blog/dos-and-don-ts-older-agricultural-producers#comments Issues Road Warrior Tue, 25 Mar 2014 20:14:00 +0000 89921 at http://cornandsoybeandigest.com Farm management, finances make difference in profit http://cornandsoybeandigest.com/blog/farm-management-finances-make-difference-profit <div class="node-body blog-body"><p>After analyzing a data summary of farmers in low, middle and high income brackets, David Kohl shares some core perspectives on asset turnover, coverage ratio and debt servicing ability and profit margins in agriculture.</p> </div> <div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li> </ul></div><p><a href="http://cornandsoybeandigest.com/blog/farm-management-finances-make-difference-profit" target="_blank">read more</a></p> http://cornandsoybeandigest.com/blog/farm-management-finances-make-difference-profit#comments Issues Finance Management Road Warrior Tue, 18 Mar 2014 19:01:00 +0000 89771 at http://cornandsoybeandigest.com 3 Benchmarks farmers and lenders need to know http://cornandsoybeandigest.com/blog/3-benchmarks-farmers-and-lenders-need-know <div class="node-body blog-body"><p>There are three benchmarks every producer and lender needs to know when handling the moderating grain industry and the positive economics of the livestock sector: the current ratio, net working capital and working capital to gross revenue ratio.</p></div> <div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li> </ul></div><p><a href="http://cornandsoybeandigest.com/blog/3-benchmarks-farmers-and-lenders-need-know" target="_blank">read more</a></p> http://cornandsoybeandigest.com/blog/3-benchmarks-farmers-and-lenders-need-know#comments Issues Finance Road Warrior Tue, 11 Mar 2014 19:23:00 +0000 89681 at http://cornandsoybeandigest.com Farmland Investors http://cornandsoybeandigest.com/blog/farmland-investors <div class="node-body blog-body"><p>The great commodity super cycle, which has lasted nearly a decade, has caused farmland values to skyrocket in many regions of the country. While growing agricultural producers have purchased and rented a large share of the land, older citizens who are 60-95 years of age and outside investors have been the investors of choice in recent years.</p></div> <div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li> </ul></div><p><a href="http://cornandsoybeandigest.com/blog/farmland-investors" target="_blank">read more</a></p> http://cornandsoybeandigest.com/blog/farmland-investors#comments Road Warrior Tue, 04 Mar 2014 15:29:00 +0000 89461 at http://cornandsoybeandigest.com Ag trends: Debt concentration, cycles and new farmers, bankers http://cornandsoybeandigest.com/blog/ag-trends-debt-concentration-cycles-and-new-farmers-bankers <div class="node-body blog-body"><p>David Kohl's Road Warrior travels took him to the National Agricultural Bankers Conference, where he moderated sessions, and also took some in. He noted some themes at the conference, including debt concentration among farmers, new bankers and farmers as well as cycles in agriculture. </p></div> <div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li> </ul></div><p><a href="http://cornandsoybeandigest.com/blog/ag-trends-debt-concentration-cycles-and-new-farmers-bankers" target="_blank">read more</a></p> http://cornandsoybeandigest.com/blog/ag-trends-debt-concentration-cycles-and-new-farmers-bankers#comments Issues Management Road Warrior Tue, 25 Feb 2014 22:42:00 +0000 89371 at http://cornandsoybeandigest.com Ag costs could exceed revenues http://cornandsoybeandigest.com/blog/ag-costs-could-exceed-revenues <div class="node-body blog-body"><p>The Center for Farm Financial Management at the University of Minnesota presented some compelling data compiled on farms over eight states that are considered above average operations. The first fast fact was that the cost of production for half of the corn producers was above $5.00 per bushel. </p></div> <div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li> </ul></div><p><a href="http://cornandsoybeandigest.com/blog/ag-costs-could-exceed-revenues" target="_blank">read more</a></p> http://cornandsoybeandigest.com/blog/ag-costs-could-exceed-revenues#comments Issues Finances Road Warrior Wed, 19 Feb 2014 01:42:00 +0000 89211 at http://cornandsoybeandigest.com Economic inflation and its effect on agriculture http://cornandsoybeandigest.com/blog/economic-inflation-and-its-effect-agriculture <div class="node-body blog-body"><p>The rate of inflation in recent years has been estimated to be between 5% and 10% for agriculture. The increasing cost of inputs, equipment, and farmland has this sector in an inflationary mode. The inflation rate for producers is much higher than the reported rate, and could indicate negative margins in the making, particularly if commodity prices continue to decline.</p></div> <div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li> </ul></div><p><a href="http://cornandsoybeandigest.com/blog/economic-inflation-and-its-effect-agriculture" target="_blank">read more</a></p> http://cornandsoybeandigest.com/blog/economic-inflation-and-its-effect-agriculture#comments Issues Management Road Warrior Tue, 11 Feb 2014 21:15:00 +0000 89071 at http://cornandsoybeandigest.com Perspective on Canadian agriculture http://cornandsoybeandigest.com/blog/perspective-canadian-agriculture <div class="node-body blog-body"><p>David Kohl recently attended a meeting in Canada, where he took in Canadian agriculture. He noticed that seed technologies have greatly impacted the area, producers forward-priced less than 25% of this years crop and Canadian farmers feel their ag economy lags the U.S. by a couple years.</p></div> <div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li> </ul></div><p><a href="http://cornandsoybeandigest.com/blog/perspective-canadian-agriculture" target="_blank">read more</a></p> http://cornandsoybeandigest.com/blog/perspective-canadian-agriculture#comments Issues Management Road Warrior Tue, 04 Feb 2014 20:27:00 +0000 88891 at http://cornandsoybeandigest.com Perspectives are changing http://cornandsoybeandigest.com/blog/perspectives-are-changing <div class="node-body blog-body"><p>The past decade has made many agricultural producers soft, depending on high prices and real estate appreciation to cover up the results of less intense management. Mental discipline focused on management measurements will not only be only an option, but it will be a requirement in the agricultural economic white waters ahead.</p></div> <div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li> </ul></div><p><a href="http://cornandsoybeandigest.com/blog/perspectives-are-changing" target="_blank">read more</a></p> http://cornandsoybeandigest.com/blog/perspectives-are-changing#comments Issues Road Warrior Tue, 28 Jan 2014 20:53:00 +0000 88751 at http://cornandsoybeandigest.com State of the General Economy, Part 2 http://cornandsoybeandigest.com/blog/state-general-economy-part-2 <div class="node-body blog-body"><p>When analyzing the state of the general and agricultural economy, it's important to review housing starts and treasury rates, a well as manufacturing growth, unemployment rates and the price of copper, says David Kohl.</p></div> <div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li> </ul></div><p><a href="http://cornandsoybeandigest.com/blog/state-general-economy-part-2" target="_blank">read more</a></p> http://cornandsoybeandigest.com/blog/state-general-economy-part-2#comments Issues Management Road Warrior Tue, 21 Jan 2014 20:39:00 +0000 88471 at http://cornandsoybeandigest.com State of the General Economy: Part 1 http://cornandsoybeandigest.com/blog/state-general-economy-part-1 <div class="node-body blog-body"><p>More producers, lenders and agribusiness people are using key economic indicators in their strategic planning processes. Some of the metrics to determine where the economy has been and predict what is on the horizon, including the leading economic index, purchasing manager index and gross domestic product growth.</p></div> <div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li> </ul></div><p><a href="http://cornandsoybeandigest.com/blog/state-general-economy-part-1" target="_blank">read more</a></p> http://cornandsoybeandigest.com/blog/state-general-economy-part-1#comments Issues Management Road Warrior Tue, 14 Jan 2014 18:16:00 +0000 88321 at http://cornandsoybeandigest.com What to watch in 2014 http://cornandsoybeandigest.com/blog/what-watch-2014 <div class="node-body blog-body"><p>As 2014 starts, farmers should pay attention to your balance sheets, working capital, the federal reserve, interest rates and your business identity. </p></div> <div class="og_rss_groups"><ul class="links"><li class="og_links first last"><a href="/blog/road-warrior">Road Warrior</a></li> </ul></div><p><a href="http://cornandsoybeandigest.com/blog/what-watch-2014" target="_blank">read more</a></p> http://cornandsoybeandigest.com/blog/what-watch-2014#comments Issues Management Road Warrior Tue, 07 Jan 2014 20:47:00 +0000 88211 at http://cornandsoybeandigest.com