Minding Ag's Business
Marcia Zarley Taylor DTN Executive Editor

Wednesday 09/30/15

Farm Program Payment Jitters
Prices are in for major 2014 crops, but the verdict on what Agricultural Risk Coverage (ARC) pays per county remains unsettled. The Farm Service Agency must fill in the blanks on a number of counties lacking NASS yields for 2014 before it can officially calculate program payments due in October.[Read Full Blog Post]
Posted at 3:29PM CDT 09/30/15 by Marcia Zarley Taylor | 0 Comments | Post a Comment

Thursday 09/24/15

Cash Renters from Mars, Landowners from Venus?
There's a big gap between what average cash renters need in 2016 rent relief and what professional farm managers and some independent landowners are willing to give, as Elizabeth Williams and I reported in our recent series, "Cash Rent Reset." Obviously, projected budgets with $100 to $150/acre losses on corn don't seem to be making the case with owners.[Read Full Blog Post]
Posted at 4:04PM CDT 09/24/15 by Marcia Zarley Taylor | Post a Comment
Comments (5)
Send em my way. I need more ground.
Posted by Unknown at 9:23PM CDT 09/24/15
Landlords and people in general are missing the point. He who takes the biggest risk should get the biggest rewards. Rent should be valued at how well it can raise a crop, not just because corn hit $7. Farmers don't just hit the high every year with every bushel. When corn was $7-8 most sold around that $6 range. When beans were $13-15 most sold around $12. We have to protect our bottom line first. Greed will get us in the red before most other things do. Yes they took a risk, bought the land, paid for it, and want a return on the investment. But how big a return, and every year? Rent is the same as selling crop, you won't get to hit the high every year. Yes we will get a price support check. But that's why we are getting it. The price stinks for the amount of inputs we have. I don't think the landlord should get to figure it in. If hail or weather wipes out my crop should they get to figure that payment in too? When I am the one paying the premium at 80 to 85% and buying hail coverage? --RB
Posted by Marcia Taylor at 2:12PM CDT 09/29/15
If the asking price is too much, don't agree to pay it. If the landlords expect a percentage of the crop, insurance or farm payment, then put a value on the land productivity and a share of inputs. An agreed to price is an agreed to price.
Posted by Bonnie Dukowitz at 7:41PM CDT 09/29/15
If I were a landlord I wouldn't budge a dime! Not when these idiots are still paying 8-10 thousand an acre for ground. You do the math.
Posted by Raymond Simpkins at 10:28AM CDT 09/30/15
A nickel in hand is worth more than a dime in the bush, usually.
Posted by Bonnie Dukowitz at 12:29PM CDT 09/30/15

Monday 09/21/15

Don't Keep Partners in the Dark
It's better to teach respect for confidentiality than keep your potential business successors in the dark, family business consultant Lance Woodbury has found.[Read Full Blog Post]
Posted at 2:26PM CDT 09/21/15 by Marcia Zarley Taylor | 0 Comments | Post a Comment

Tuesday 09/08/15

Grade the Farm Bill Calculators
When you cut through the technicalities, the "safety net" in the 2014 Farm Act is really designed as insurance against abrupt farm revenue or price disasters. It's not a whole lot different than thinking about Social Security as old age insurance: If you study the system, you know your odds of not running out of money in your lifetime improve if you wait until your full-retirement age (or later) to collect.[Read Full Blog Post]
Posted at 3:54PM CDT 09/08/15 by Marcia Zarley Taylor | Post a Comment
Comments (1)
More like a safety net for end users. When farm bill in question prices were good farm bill puts lid on prices might not work in high consumption world
Posted by andrew mohlman at 8:18AM CDT 09/09/15

Friday 09/04/15

Give Your Skills a Systems Upgrade
The scale of commercial farms today demands professionalism on par with non-farm businesses. Consultant Lance Woodbury suggests areas where he sees biggest needs for a farm's managers to do a "systems upgrade."[Read Full Blog Post]
Posted at 11:31AM CDT 09/04/15 by Marcia Zarley Taylor | 0 Comments | Post a Comment

Wednesday 09/02/15

Renters at Risk
To breakeven in 2016, cash renters need to slash production costs $100/acre. An 11% cut in Illinois corn budgets hasn't happened since 1972.[Read Full Blog Post]
Posted at 3:19PM CDT 09/02/15 by Marcia Zarley Taylor | Post a Comment
Comments (5)
Operators who bought land in the last 3-4 years are exactly what they said,Locked In. With big payments on ridiculous land prices and falling land values. At least with rent they can drop it and walk away. The operators with large rent payments have nobody to blame but themselves,no one told them to give such high rates. The guys in Iowa you mentioned paying 325.00 an acre are not going to make it with 3.25 corn. If you do own the land outright and someone is willing to give those kinds Notof rents you would be better off renting it out. The Illinois figure of 872.00 an acre inputs takes 260 bu. just to breakeven. How many years in a row can you count on that? Not sure if so-called land owners will be better off because most don't really own.
Posted by Raymond Simpkins at 9:01PM CDT 09/02/15
If profits don't return than everybody will be in trouble. Other jobs and people won't be needed.all those taxes won't get paid. Doom for who?
Posted by andrew mohlman at 11:54PM CDT 09/02/15
Agriculture as a whole is in a lot more trouble than anyone is willing to admit. Thanks to the federal government.
Posted by Raymond Simpkins at 11:20AM CDT 09/03/15
The story of the times is "Cut Land Cost". We would like to change that to cut fixed cash cost on a bushels per acre basis. The challenge with just cutting cost by the acre may come back and hurt use. Let's say we have two farms: one with an expected yield of 160 bushels per acre with a rent of $245 and the other a yield expectation of 220 â?“ renting for $320. The rents for both in this environment seems high from the renter's point of view. The 160 bushels/acre is costing us more on a per bushel basis than the other - $1.53 per bushel versus $1.45 ($1.53 = $245/160 and $1.45 = $320/220). When one changes their acres farmed, the installment (equipment) loans are spread over few acres increasing your cost per acre. The same is true when living costs. They are spread over fewer acres so the cost per bushel increases. There will be cases where holding higher priced land than the level desired, maybe cheaper than not farming it and trying to spread other cost over few acres. While negotiating rents lower one may also want to look at the cost per bushel of purchased land. It might be some of the most expense land one operates on a $/per bushel cost basis. Selling land is not what farmers prefer to do. But talk to your lender to see what opportunities the lower debt and extra working capital can do for you. The solution is harder then it appears. One cannot change the size the operation without other major changes without expecting operating cost on a per bushel level to increase. Freeport, IL
Posted by Freeport IL at 5:18PM CDT 09/09/15
Freeport, The money you have let does not cover the rest of input cost. 1.72 times 160 bu.
Posted by Raymond Simpkins at 6:46AM CDT 09/10/15

Thursday 08/20/15

Iowa Land Values Bounce
Don't believe the gloom and doom on Iowa farmland values. Actual sales show real estate has bounced back to 2014-levels.[Read Full Blog Post]
Posted at 4:10PM CDT 08/20/15 by Marcia Zarley Taylor | Post a Comment
Comments (4)
What does after harvest have to do with anything? What I read everywhere is that we have 5-10 years of these prices ahead of us.
Posted by Raymond Simpkins at 7:07AM CDT 08/22/15
Unfortunately values have too much emphasis placed on fictitious, speculative or unrelated factors.
Posted by Bonnie Dukowitz at 1:23PM CDT 08/26/15
I can only hope that the grain prices stay this low for another 10 years. The way to get ahead in farming is to walk when everyone is running and to "RUN" when everyone is walking. This old fella is getting ready to Sprint;-)
Posted by JASON WOLFE at 11:38AM CDT 08/27/15
Jason, You are right there is going to be times to get ahead in the future. Not because of better prices but because of others losses. I wouldn't be in any hurry though to Run, maybe creep for awhile. These times are going to be here for awhile. Guys with a lot of land debt are going to be in trouble if the low prices stick around long.
Posted by Raymond Simpkins at 5:45AM CDT 09/01/15

Friday 08/14/15

Lessons from the 1980s
The recalibration of the grain economy is underway. It's not anywhere close to the 1980s debt crisis, but fathers who lived through that debacle don't want their children to be casualties.[Read Full Blog Post]
Posted at 12:17PM CDT 08/14/15 by Marcia Zarley Taylor | Post a Comment
Comments (2)
Last month, I asked Doug Stark, now president of Omaha-based Farm Credit Services of America, what he learned from the 1980s debt crisis. He was then sitting across the desk from troubled borrowers, a situation neither he nor anyone else in the system wants to repeat. "We weren't prepared. Lenders and borrowers didn't know how long it would last or what we would face. We learned working capital was king," Stark said. In other words, the paper wealth from over-heated land markets in the 1980s couldn't pay the debt when markets crashed. Cash and other liquid assets are what did. Under Stark's leadership, FCS America's operating motto has been to operate conservatively in good times, so they have the courage to stick with borrowers in the bad. In 2008, FCS America instituted caps on their mortgage lending, basing maximum lending based on long-term corn prices of $4.50, not the $7.50 peak hit in 2012. So when Iowa farmland bounced up to $9,000/acre, FCS America capped the "sustainable" lending level at $5,900. Borrowers needed to pony up larger down payments. Danny Klinefelter, a Texas A&M economist and ag finance expert, calls that effort a model policy and credits FCS America (and other Farm Credit institutions with similar policies) for tamping irrational exuberance in farmland markets this time around. "Farm lenders are much more sophisticated than they were in the 1980s," Klinefelter says. They are less likely to over-extend credit, and they now monitor their portfolios with stress tests to simulate how prices will affect credit quality. If they make a 10-year fixed rate loan, they match it with a 10-year fixed rate bond, not an average portfolio rate. What's more, they recognize that dumping too much farmland on the market at one time reduces everyone's equity, further spiraling a crisis.
Posted by Marcia Taylor at 2:43PM CDT 08/14/15
Lessons of the 80's, needs to be expanded quite a bit. Cycles thru out the past 150 years will show many similarities.
Posted by Bonnie Dukowitz at 11:36AM CDT 08/15/15

Wednesday 08/12/15

Minimize Your Burn Rate
When 200 farmers and ranchers under 35 gathered in Omaha for a Farm Credit Services of America conference in late July, someone asked how long the grain industry downturn would last. After all, most Millennials born between 1980 and 1995 had never experienced back-to-back years of farm losses.[Read Full Blog Post]
Posted at 4:49PM CDT 08/12/15 by Marcia Zarley Taylor | 0 Comments | Post a Comment

Tuesday 07/28/15

Eligible for Farm Programs? It Depends
There's a lot of fine print in how USDA calculates income eligibility for farm programs under the new farm bill. Just be aware that there's no single definition of the "Adjusted Gross Income" rule that fits all individuals and business structures, as I reported from the annual American Institute of CPA agricultural meeting several weeks ago.[Read Full Blog Post]
Posted at 4:41PM CDT 07/28/15 by Marcia Zarley Taylor | 0 Comments | Post a Comment

Monday 07/27/15

Why Seller Financing Fits the Bill
Admittedly my friend Zach probably isn't paying full market value for his uncle's share of an irrigated specialty farm, but the size and responsibility of his multi-million dollar, 30-year note still keeps the young farmer up nights.[Read Full Blog Post]
Posted at 1:27PM CDT 07/27/15 by Marcia Zarley Taylor | Post a Comment
Comments (1)
"3.8% Obama Care Surcharge" ----- Don't you just love that??????????
Posted by Roger Cooper at 6:28AM CDT 08/14/15

Wednesday 07/22/15

Grain Losses Mitigated, Not Erased
A summer commodity rally only lessened the losses for corn and soy growers in 2015. It won't erase a potential three-year losing industrywide streak, farm lenders and economists worry.[Read Full Blog Post]
Posted at 10:57AM CDT 07/22/15 by Marcia Zarley Taylor | Post a Comment
Comments (2)
And yet in progressive farmer I see these guys are still paying 10,000 dollars an acre for land! Oh well.
Posted by Raymond Simpkins at 5:33AM CDT 07/23/15
I read your July article on farm finance. For the most part it is correct, but I think the atmosphere is a little more negative than your sources proclaim. I work with a lot of lenders in the Midwest and Plains states. I took a poll in April and the findings are a little shocking. Nearly every lender replied the same statements. If current grain prices hold or move lower, they are not so worried about this year â?“ they will cripple through it. Their main concern is 2016 as you said. But what is shocking is that the average banker said, if all things being equal, the lowest percentage lender told me he would lose 3% of his farm customers. The highest loss is 11%. Most replied that they would lose somewhere between 4% to 6%. Winter homes, new pickups, vacations, leasing new combines, buying more high priced land, etc. has come back to haunt them. They are not as flush as the article proposes. And their input costs can only be trimmed so much. Seed companies aren't going to reduce the cost of seed for example John Deere has laid off a few thousand. No farmer is or will buy new equipment at all. That's over for at least the next thee to four years, bin companies, etc are suffering the climateâ?“ the producer is afraid again and rightly so. What upsets me is that farmers didn't hardly forward contract any grain. There were more times than I can count to forward sale/hedge well over $4.00 cash. China has huge problems that is putting a ceiling on U.S. activity and giving grains no underlying support. For now, the good times are over and it may haunt them through 2018. You are right, the younger generation has never been through this financial fallout. They are learning a tough new farming lesson dad has gone through multiple times. I'm sure they thought it would never end. I hate being this negative for sure, but I have to be realistic. And I hope I am entirely wrong. --Randy Allen, CEO, RWA Financial Services, Inc., Austin, Texas
Posted by Marcia Taylor at 12:24PM CDT 07/28/15

Thursday 06/25/15

Story Book Endings for Estate Taxes
The fact that very few farm estates pay federal taxes is no accident. Most farm families spend a decade or more gifting and transferring assets to keep their family business intact.[Read Full Blog Post]
Posted at 5:28PM CDT 06/25/15 by Marcia Zarley Taylor | Post a Comment
Comments (23)
This is why I get a kick out of the all the uproar over the estate tax. If you have a good plan implemented, you more than likely can skirt the taxes owed. I don't know exactly how many farmers there are, but if you assume there are currently 2,000,000 farm estates, ones that are actively farming, then you would roughly have about 54,000 farmers that would have a problem. That's pretty small potatoes, and those 54k have some money/assets that can handle the tax. The secondary side of this estate issue is one that I don't see answered very often. If I am an active farmer in my 70's and I have no children that are active in the farm, when will that land ever hit the open market for an active farmer to buy it? It's a legitimate question that doesn't get answered. Considering that 90% of farms do not make it to the 3rd generation, this is something that people forget about...absentee landowners that are so far removed from agriculture that they see it as an investment or really care when revenue is below the cost of production.
Posted by Pedro Sanchez at 8:37AM CDT 06/26/15
$20M estate and no estate taxes??? Greece here we come!
Posted by Unknown at 8:17PM CDT 06/30/15
The American Farmer should be proud to pay taxes.
Posted by Unknown at 8:19PM CDT 06/30/15
Farmers with estates worth multi-millions should be ashamed that they feel they need to avoid taxes. What an embarrassment to the rest of farmers and society. I can't believe the author is advocating that the uber rich should be allowed to avoid taxes. I bet she also wonders why this country is broke. GET A CLUE AMERICA!
Posted by Bill Billson at 9:42PM CDT 07/01/15
Where does everyone think these assets came from? They were purchased with money that was already taxed once as income tax. How is double taxation fair. The reason the country is broke is because achievement is punished through wealth redistribution. Maybe if people were allowed to keep more of what they work so hard for, there would be more of an incentive to work in this country
Posted by Jacob West at 4:30PM CDT 07/02/15
I do not understand why the government should be entitled to an estate in the first place, the size should not make a difference.
Posted by Bonnie Dukowitz at 5:46AM CDT 07/03/15
Escalating land values that are realized later through real estate sales have not had those gains taxed previously. Just as stock or commodity price increases result in tax obligations, it would make sense that land value gain would also.
Posted by Don Thompson at 8:02AM CDT 07/06/15
My family farm estate was built with after tax dollars. Several years ago I purchased farmland for $1,000,000. Put every asset I owned up for collateral to borrow the money. My accountant estimated it will take $2,000,000 in after tax dollars to pay for this farmland. I can't imagine having to pay an additional estate tax. What would incentivize anyone to risk all they have to try and build a farm estate only to be taxed a second time.
Posted by Unknown at 4:54PM CDT 07/06/15
The federal estate tax exemption is around $5.4 million or as much as $10.8 million per couple if qualified after considering basis, etc. Plus, generous gifting options are available through a correctly established ownership entity. The number of individuals subject to federal estate tax is quite small just as Pedro Sanchez noted earlier in this blog. It does require some planning and that may cost more than one may wish to pay for.
Posted by Don Thompson at 8:37AM CDT 07/07/15
why should an event such and death trigger a tax
Posted by Wally frey at 1:21PM CDT 07/09/15
Wally: because luckily, you were born in America. Give back, amigo.
Posted by Unknown at 7:52PM CDT 07/12/15
How many times does a family have to pay for an asset during 3 generations? You guessed it ------- 3!
Posted by Roger Cooper at 9:51PM CDT 07/12/15
There were a couple of good points made here. First, If you realized a gain on your property, much like stocks or commodities, you have to pay a capital gain tax. That is not double taxation. If you purchased it for $100,000 and it is now worth $1,000,000, you have a $900,000 gain that you have paid no tax on or "earned". The government wants to collect some revenue for you to pass that wealth to your kids. However, they are willing to let you keep about $10,000,000 before they dip into your pocket. It's not like they are being unreasonable. Another point was brought up that the assets were purchased with after tax money. The only asset that I know that farmers pay with after tax dollars is real estate. Buildings, tile, equipment, etc. are bought and depreciated, and never taxed until sold. Again, no double taxation. The estate tax will likely never affect most of us. It is indexed to inflation now, and we "hate" this tax because we are greedy SOB's. I would hate to have to pay it, but you know what, if I have accumulated more than $10,800,000 of net worth by the time I die, then I don't think my kids should piss and moan about have to pay a little bit of tax to Uncle Sam, because guess what, THEY DIDN'T EARN A PENNY OF IT! Generational wealth can lead to a bunch of lazy, egotistical, narcissists that think that they deserve the world. How many farmers do we know that went broke in the 80's because Dad handed them the farm and they let it get away? How many more are we going to see in the future? Do we really want a bunch of "Trust Fund Baby's" in farming? Ones who really don't care if they make money or not, because the well never runs out? How do you compete with someone like that? Think about that before you want to get rid of an estate tax.
Posted by Pedro Sanchez at 8:19AM CDT 07/15/15
10,800,000 if you're married, not single. Where does this magic number come from anyway? Why not make it 20 million or some other number? It was unlimited in 2010. It is a moving target that always changes and makes it extremely difficult to plan for. It is based on government greed. They sure as hell didn't take the risk to earn it, nor did the whining liberals with their hand out to steal it. How I raise my kids and what they get when I die is also my problem. Hopefully when I die my children are in their 60's and have a life invested in tending the land. In that case, THEY EARNED EVERY PENNY OF IT. The best way to kill a farm is to have to sell it off to pay taxes. If you cant compete, you have no business farming. Leave it to the ones that do and this country will continue to enjoy cheap food
Posted by Jacob West at 5:01PM CDT 07/15/15
Sorry Pedro. We send two checks to the county every year for real estate taxes..
Posted by Bonnie Dukowitz at 12:00AM CDT 07/16/15
Re Mr West I am a non whining Liberal. The odds of your good fortune became immeasurably better when you were born a white Amerrican male. Give back, Bro.
Posted by Unknown at 9:12PM CDT 07/16/15
I didn't know money fell from the sky based on your birth certificate. You can always spot a desperate liberal when the race card is played. You need a new comeback, Bro.
Posted by Jacob West at 6:20AM CDT 07/17/15
Bonnie, every one pays real estate tax on their land or homes or buildings. That is the cost of "ownership". Jacob West, if you own the land and are running it yourself, then your kids didn't earn a penny of it. You earned it off the land. Do you hire them? Do you rent it to them? If either scenario is the case, again, they are either getting paid for their time or have an opportunity for investment, but do not own the land and their for didn't earn the gain in the appreciated value. You as the landowner did. I understand that the estate tax exemptions have been a moving target, but I think Congress finalized it for some time. if you can't/won't plan and adjust as times change, you don't deserve to complain about having to pay estate taxes. There are tons and tons of options out there to work around or minimize the tax. I just talked to a individual who inherited 700 acres and he had to pay $99k in estate taxes only if he sold the land within 10 years. Otherwise nothing. That doesn't sound like he is having to sell the farm!
Posted by Pedro Sanchez at 8:31AM CDT 07/17/15
This discussion has me wandering just what rural America is willing to provide the USA to keep it going. Nobody wants to pay taxes and our infrastructure is approaching 3rd world. Very few think they should join the military to support the wars they say they support. Police departments and volunteer fire departments are always short handed. Even rural blood banks and the percentage of people donating is extremely low. People say they won't vote because they fear it will put them on the roles to serve jury duty! Meanwhile, governments provide tax breaks, crop and/or disaster insurance, and countless incentives to people and business to stay in rural America. And after all of that, people complain that they have to plan ahead to pass millions of dollars to heirs - why not let me do it for nothing?? Finally, rural America contributes less than it takes from the Federal government, ie, America's Greece. Are we all just getting in line to take while chastising those who stand in a different line?
Posted by Don Thompson at 10:33AM CDT 07/17/15
Contributes less Don? Please order your food from China or Iran while you lay on the beach. Income taxes (capital gains) on homes are also given a break Pedro. Maybe the government just has its hands in too many things. A little over a 100 years ago these taxes didn't exist.
Posted by Bonnie Dukowitz at 1:38PM CDT 07/17/15
Bonnie, A little over 100 years ago the US was not the world's policeman and peace maker with an immense military to support. A little over 100 years ago there were no farm programs that kept marginal farms going. A little over 100 years ago there were no programs to help the poor and disadvantaged and rural residents. A little over 100 years ago most rural roads were dirt and there was no rural electric or highway system or airport system. Maybe Bonnie, a lot of folks were born in the wrong century?. I suggest it is time to get onboard because the train of progress has left the station.
Posted by Don Thompson at 3:25PM CDT 07/17/15
I have no problem contributing my fair share. My problem is with how the govt. picks winners and losers. Why do larger more efficient producers get punished with estate taxes while the smaller operations pay none? I sacrificed to grow a business,less vacations,toys,etc. Why? Just to share with the slackers? All I'm asking is to be allowed fair treatment. I'd be all for closing all FSA offices too. Get the govt out of my business and let everyone compete fairly. Everybody outside of Ag has the hate the big guy mentality. We all started with one acre just as Walmart started with one store. You want to talk about a declining and deteriorating America, could it be because the govt is killing the desire to achieve? I wish I would have worked less now. let somebody else take care of me. What happened to Greece is that the makers quit because they got sick of everybody sucking off them. We are on the cusp of that happening here. Why try to prosper when the govt keeps trying to create a socialist society?
Posted by Jacob West at 7:24PM CDT 07/17/15
You make some valid points, Don, however, W.W. #1 was almost 100 years ago. One should not ignore the fact that the rural roads, farm programs were legislatively enacted to allow food producers a means of getting the food to the population centers. That is, to provide an adequate food supply. The aim was not help to farmers. We still have the same gravel road,(constructed almost a 100 years ago, now supported by Township taxes, the same highline wire(constructed 60 some years ago, supported by the co-op members bills, paid each month, not Federal taxes. Maybe if the government would quit subsidizing huge stadiums and transportation systems to entertain the populace, the budget would balance a bit better.
Posted by Bonnie Dukowitz at 7:13AM CDT 07/18/15

Wednesday 06/24/15

Loss Leaders on Crop Insurance
Just like grocery stores, crop insurance companies seem to run "loss leaders" in the meat department to get your business in the snack aisle. By law, insurers must sell identical multi-peril policies, so offering private riders is one way to differentiate themselves from the crowd.[Read Full Blog Post]
Posted at 2:46PM CDT 06/24/15 by Marcia Zarley Taylor | Post a Comment
Comments (1)
Editor's Note: The original version of this blog referred to an 18% compensation for administration and overhead on federal multiperil policies. An NCIS spokesperson points out that since 2010, the industry has received a flat $1.4 billion (inflation adjusted) annually, not a percentage payment. That does not cover all expenses--such as technology, computer programming and staff training (such as under the new farm bill). For the last 16 years, compensation for administration and overhead has left the industry with a $350 million to $400 million hole every year, NCIS says.
Posted by Marcia Taylor at 2:34PM CDT 06/26/15

Monday 06/22/15

More Help on the Fringes
Finding a dedicated work force is no easy task, especially in states like Nebraska where the latest unemployment rates run 2.7%--and the Dakotas, Minnesota and Iowa, all at 3.8%.[Read Full Blog Post]
Posted at 1:41PM CDT 06/22/15 by Marcia Zarley Taylor | 0 Comments | Post a Comment
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Recent Blog Posts
  • Farm Program Payment Jitters
  • Cash Renters from Mars, Landowners from Venus?
  • Don't Keep Partners in the Dark
  • Grade the Farm Bill Calculators
  • Give Your Skills a Systems Upgrade
  • Renters at Risk
  • Iowa Land Values Bounce
  • Lessons from the 1980s
  • Minimize Your Burn Rate
  • Eligible for Farm Programs? It Depends
  • Why Seller Financing Fits the Bill
  • Grain Losses Mitigated, Not Erased
  • Story Book Endings for Estate Taxes
  • Loss Leaders on Crop Insurance
  • More Help on the Fringes
  • Guidelines for Family Meetings
  • Vote of Confidence for ARC
  • 10 Ways to Skin a Profit
  • Leadership the Army Way
  • What's New On Brazil's Old Frontier