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Columns

Look Beyond Government Pensions For Retirement Income

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How prosperous will your retirement be? That depends on how generous and dependable public pensions and government services will be. Many lucky folks will have private investments and prosperous farms and will, therefore, be relatively less dependent on the Canada Pension Plan and Old Age Security. But those services will be the great levelers of […] Read more
Columns

Want Help? – for Apr. 19, 2010

Grainews is looking for farmers with troublesome financial questions. We will protect your privacy. We insist on examining real situations, but we DO NOT use real names or even identify your hometown. You do not have to pay to participate in this article. If you have a financial question, send your name and your question […] Read more
Columns

Plan To Die Another Day

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$10,000 ASSETS CURRENT ASSETS INTERMEDIATE ASSETS TOTAL LONG TERM ASSETS LIABILITIES CURRENT LIABILITIES TOTAL INTERMEDIATE LIABILITES LONG TERM LIABILITES Cash Grain Prepaid inputs Machinery Breeding stock Land Buildings $1,000,000 $100,000 $600,000 $150,000 $800,000 $150,000 $2,210,000 Operating loan Term loan Mortgages $350,000 $50,000 $200,000 $600,000 Last weekend we were out to see Jimmy Bond race his […] Read more
Columns

Breaking Up (With Advisors) Is Hard To Do

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Firing an advisor is tough to do but if you want to do the “tough things right” as a farm manager, sometimes you have to let go of folks who are not giving you the service and quality of work you need to have a profitable business I spent time with 70 farmers in Alberta […] Read more
Columns

The Ins And Outs Of Cash Flow Projections

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Once you have the cash flow projection worksheet completed, scan across the bottom and look for the largest number — that will be how much operating loan you need In my last article (March 22 issue) I talked about some of the sources of credit for operating expenses and how to manage them properly. In […] Read more
Columns

How Soil N Is Like Money

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I recently read an article in a farm magazine that made the point that nitrogen (N) is the biggest and most important of our farm inputs — and it is never far from the mind of a modern farmer. Let us try to explain the intricate workings of Mother Nature’s N cycle in comparison to […] Read more
Columns

The Prices Are Falling! The Prices Are Falling!

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Chicken Little is wandering through the forest when suddenly and quite dramatically an acorn falls on her head. Her immediate reaction is that “the sky is falling.” She then runs frantically through the forest announcing to everyone she sees that there is undeniable empirical evidence that the sky is falling. Based on an assumption that […] Read more
Columns

Pay Attention To The Silence

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A now-grown farm kid has eyes that light up when he talks of “how great is it to be out there on the tractor.” At this time of year, the field equipment is tuned and ready to go. Some young “wannabee” farmers are not going to be occupying the seats, they will be toiling at […] Read more
Columns

Breeding Timing Critical To Success

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Spring is our time to reflect on the previous years successes and failures. This year I tried very hard to take to heart the advice I received from a Grainews reader. They told me that I was starting to sound pretty negative and I should remember to see my blessings. I really appreciated that little […] Read more
Columns

Drainage Is Not A Dirty Word

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I was recently invited to attend the annual convention of the Saskatchewan Conservation and Development Association (SCDA) — I had given a talk to the group on my views of drainage last year. The SCDA Act in Saskatchewan dates back to 1949 and the current Saskatchewan Water Authority Act was passed in 2005. It exists […] Read more

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