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How is your operation’s resilience?

Continuously asking questions, consulting with others, reading and meeting as a team can build your operation’s resilience against risk and preparedness for opportunities.
November 20, 2025
Kevin Bernhardt

Have you prepared yourself, your team and your operation to be resilient of the many risks that may occur and/or prepared to be ready for the many opportunities that may present themselves?


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[Podcast] Dave Saunders: Getting ready for the global financial reset

November 4, 2025

Dave has spent years in business development and ag technology – many might remember his work helping create My Dairy Dashboard, the analytics tool that helps farmers track and improve performance. Now he’s focused on helping producers prepare for a changing financial landscape.


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Beyond income over feed cost: How nutrition unlocks reproduction ROI

Income over feed cost matters but has to be scrutinized in tandem with other measures that truly drive profitability so it doesn’t take away from health or reproduction.
November 4, 2025
Renee Smith

Here’s the catch. IOFC only tells us the economics of what’s going into the tank, not what’s going into the cow for good health and reproduction, and impacting the farm’s true profitability. It measures how well we are converting feed dollars into milk dollars. IOFC values today’s milk but ignores tomorrow’s pregnancies.


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Managing capital purchases: When to repair or replace

Guidelines to assist in determining whether to replace or repair equipment.
September 24, 2025
Matt Lange

In some cases it is better to repair farm equipment and other times it is better to replace. Knowing when to take action on one versus the other is also part of a bigger strategy for managing your dairy operation.


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Investing in technology: Setting the stage for success

Strategic planning, financial analysis and readiness assessments are crucial for successful technology adoption and long-term business growth.
September 19, 2025
Stephanie Plaster

Whether you are currently planning to invest in a piece of technology on the farm or are considering it in the next five years, advanced preparation is the key to a positive implementation process and impact to the bottom line. How do you know where to start?


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The word of the day: Volatility

Stress test your cash-flow budget at various milk price levels to understand the impacts to margins and the overall bottom line.
September 18, 2025
Brad Guse

Yes, volatility is here, and it’s likely here to stay. But there are steps you can take to manage through it. Dust off your risk management plan to preserve working capital and discounted core equity, building a resilient business model for the future.


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Weaker ag economy causes interest rates to slip in Q2

The second-quarter lending rates for agricultural loans in 2025 dropped, rounding out a weak first half of the year, according to quarterly lender surveys in most agricultural districts.
August 25, 2025
Jenn Coyne

Lender surveys from Chicago, Dallas and Kansas City Federal Reserve districts demonstrated another weak quarter as interest rates on agricultural loans declined in the second quarter of 2025.


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Deadweight debt and welded hitch pins: The importance of the balance sheet

While often overlooked, the balance sheet can have significant impact on profitability and should be regularly examined.
June 27, 2025
Brad Guse

When looking at your balance sheet, one of the big questions to ask is: How hard is your debt working for you? That is, are you making money on what you have borrowed from others? We often look to the numerator first to see what is happening there. Revenue is a great place to start, but we also need to look at the debt schedule. 


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Coordinated planning for a successful dairy expansion

Rising construction costs, limited heifer supplies, processor capacity constraints and regulatory requirements must be addressed during an expansion and can strain cash flow and working capital during the planning period.
June 7, 2025
Jim Moriarty

A well-conceived and coordinated plan is essential for a successful expansion that achieves the dairy family's objectives. Here are key areas to address and implement.


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Subdued ag economy pressures interest rates in Q1

Continuing on the tales of 2024, first-quarter lending rates for agricultural loans in 2025 fell in all agricultural districts according to quarterly lender surveys.
May 29, 2025
Jenn Coyne

Lender surveys from Chicago, Dallas, Kansas City and Minneapolis Federal Reserve districts reflected the pressures of a subdued agricultural economy as interest rates on agricultural loans declined for another straight quarter in the first three months of 2025.


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