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One advantage to the Advance Payments Program is that producers only repay the cash advance as they sell the product they took the advance against.
Crops, Features

Cash advances eases interest rate pain

The federal government's Advance Payments Program offers interest free farm loans

By
Over 10,000 producers use the Canadian Canola Growers Association’s (CCGA) cash advance program every year. The program advances around $1.5 billion annually, mainly to grain and oilseeds operations. CCGA is one of largest administrators of the Advance Payments Program (APP) to Western Canadian producers. The APP is a federal government program made available through Agriculture […] Read more
Down markets aren’t bad markets
Columns

Down markets aren’t bad markets

A review of 2018’s market 
performance shows a slight gain 
from the sample portfolio

By
Down markets are great if you’re in the stock buying mood. Markets ended 2018 with a thud. In the fourth quarter there were declines of about 16 per cent in Canada and 20 per cent in the U.S., closing the year slightly off these lows. Financial headlines were dire, with many suggesting the worst December […] Read more
Columns

Farm Financial Planner: Selling to get out from under debt

With no farming children and little income flowing in from the farm, it’s time to sell


By
A couple we’ll call Harry, 74, and Anne, 72, have been farming in central Manitoba for four decades and would like to retire. They have 1,600 acres — 600 for grain and the remainder for pasture and hay. Their children, two sons and two daughters, have careers away from the family farm. The problem: pay […] Read more
Close up of Canadian banknotes (CAD) background, this is polymer money with holograms that will last longer and be harder to counterfeit.
Columns

2019 SMART Investing Goals

Setting personal financial goals for the upcoming year is a good way to make sure you grow your portfolio

By
2018 has been a challenging year for stock and bond investors around the world. Virtually every asset class, in every country is down year-to-date. Following is a sampling of stock market declines (not including dividends) around the world as at mid-December, 2018: China is down 22 per cent, Germany 16 per cent, Canada 10 per […] Read more
Columns

Re-think what you thought, Part 2

Four more common financial investing myths, de-bunked by Herman VanGenderen

By
This article is a continuation of my previous column, and a summary of the themes of my 30- to 45-minute presentation. Most stock investing perceptions are actually misperceptions. I outlined five common misperceptions in the previous article. Here are another four. 1. You have to sell to make a profit The three companies I have […] Read more
Fear is easier to market than facts
Columns

Fear is easier to market than facts

Despite the potential stability of a well-structured portfolio, stock-phobia abounds

By
A phobia is defined as an extreme or irrational fear. I Googled phobias. There is a fear of money officially called chrematophobia, but no official fear of stocks so I will just refer to it as stock-phobia. Why are so many individuals afraid to invest in stocks when they represent one of the best wealth […] Read more
aerial view of farmland
Features, News

Farmland values and rising interest rates

As interest rates rise, farmers are wondering, ‘it this still a good time to buy land?’


By
On most farms land is the largest farm asset, which means it can also account for the largest portion of farm debt — especially for farmers just starting out, taking over from the previous generation or expanding the business. What can farmers do, in the face of more potential interest rate hikes, to make sure […] Read more
As interest rates edge upwards, it’s probably a good idea to know how much flexibility you have to purchase major assets, should the opportunity arise.
Features, News

Is it too expensive to borrow money?

When the neighbour’s land is for sale, are interest rates too high to say 'yes?'

By
The best time to figure out whether or not you can afford to borrow more money probably isn’t when you get a tip off that the neighbour wants to sell some land at a really tempting price. But inevitably, it’s when faced with those kinds of situations that producers take stock of where they are […] Read more
For the most part, recent strong net income will take the sting out of interest rate hikes.
Features, News

Rising interest rates, rising risk?

Farm Management: What do today’s rising interest rates mean for your farm’s balance sheet

By
There are a number of ways that rising interest rates affect farm balance sheets. They can negatively affect cash flow, can create a need to adjust short-term and long-term liabilities and affect the value of farmland that in turn can impact the farm’s asset values. “Higher interest rates will impact operations differently based on how […] Read more

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