In part 1 of “9 things your banker doesn’t want to hear,” we discussed praying really hard for rain, paying employees cash, winning the lottery, bouncing checks and balance sheets (all such fun topics, am I right?). But I promised you nine items; so true to my word, here are the rest of the things your banker doesn’t want to hear:

Financing a farm or ranch is usually stressful – no matter on which side of the banker’s desk you sit. Earlier this year, ag economists noted shrinking commodity prices and the lowest ag incomes since the recession – all in the midst of a trade war with China. And now the Federal Reserve is ending a prolonged period of low interest rates, and as a result, banks pushed the fixed rate on farm loans to a five-year high of 5.6 percent.

“The customer is always right,” in the hay business. Right? Except when they’re not. Who came up with that mantra anyway? Well, it turns out Harry Selfridge did in 1909. He was trying to drum up business for his London department store, and businesses have been paying the price for that lie ever since.

Anybody who runs a bale wagon will tell you how critical bale length is. A New Holland bale wagon, for instance, will pick up three bales and lay them end-to-end in the stacker.

“Nationwide glorification of hog hunting has done nothing for control and everything for expansion. You can’t hunt enough to make a dent. It might be fun, but it’s not control.”