Why Fathers Need To Be Good Leaders

As we stood by the grave-side of my friend’s father we both noticed two Canada Geese winging overhead as the casket was being lowered into the grave. I smiled and thought God had provided a gentle reminder that He was there; the geese mate for life, and they flew overhead to remind me of the […] Read more

Cattle Key To Good Soil Health

Neil and Barbara Dennis likely didn’t know it at the time, but they were about to have a life-changing experience. It was 1998 and things were not going as well as needed financially on their cattle and grain operation at Wawota, in southeas tern Saskatchewan. Barbara saw an advertisement for a seminar on a better […] Read more


So Who Owns That Tractor?

My title for this article evokes the image in my mind of an ag lender scratching out a line in an equipment list as she goes through it with a farmer client. Lenders sometimes have a real challenge getting a clear understanding of the business structure of farms and the ownership of farm assets. The […] Read more

The Ins And Outs Of Cash Flow Projections

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


Calculating Debt Coverage

In January, the local banker Hans Immapocket asked many of our clients in the Grainews community for an updated net worth statement and income tax or financial statements in order to renew the operating line of credit for the next year. We do not want our clients to simply provide the bank with a number […] Read more

Use A Holding Company To Ease Farm Transfer

Keep in mind that succession and estate planning are not events, they are processes. With the high increase in farm values today, you may have begun to wonder how a transfer to your next generation will ever be possible. Today, the capital gain exemption available on shares of family farm corporations, or on farm properties […] Read more


Tips For Using Someone Else’s Money

Anyone managing the finances on a farm these days knows it takes a lot of cash to put in a crop. Grain farms are unique businesses: they produce one crop per year and often hold a significant inventory of that production waiting for opportunities to deliver and/or sell at an acceptable price. That means you […] Read more

Why Did Your Interest Rate Rise?

Imagine a situation where your bank or credit union wants to raise the interest rate on your operating line this year. For some it won’t take much imagining because it already happened recently or in years past. If your interest rate has been the same “Prime plus 1” or something similar for the past several […] Read more


Always Trying New Ideas

continued from previous story days in the north produce seed potatoes with more energy and vigour, which carries over through several generations of seed.” Not only do they produce more, but the website also claims these northern Alberta potatoes are healthier, with less bacteria, virus and pest diseases, due to the cold winter temperatures. Growing […] Read more

Don’t Let Your Homemaking Slip

Recently my hubby and I watched Peter Walsh, life organization expert, “strip down” a family of four who were highly stressed, eating poorly, living in clutter, and only communicating via electronics. Wes’s question at the end was, “What was the stay-at-home mom doing all day?” Exactly. Today’s farm families are texting, listening to professional development […] Read more