A2S-Lancaster Faming, Saturday, January 31,1957
Banker Offers Dollar
BY SUE CROW
Maryland Correspondent
CHESTERTOWN, Md. -
“Manage to survive” was Martin
Thornton’s message to over ISO
people attending the Upper
Eastern Shore Ag Day. This
statement become more and more
of a reality with the drop in far
mland values across the country.
Bankers are looking more
critically at the whole production
picture. Production per acre is
more important than the price per
bushel and this is where people like
Thornton, vice president and
senior farm manager of People’s
Bank of Bloomington, HI., look
first when it comes to long-term
U.S. Ayrshire Breeders
World Ayrshire Conference
BRANDON, Va. - The Ayrshire
Breeders’ Association of America
is busy planning for the Sixth
World Conference of World
Federation of Ayrshire Breed
Societies to be held in the United
States. General chairman for the
event is Dr. Hilton Boynton. The
Conference will be Sept. 28 to Oct.
9,1968 with a post-convention tour
extended to Oct. 14.
Current plans include visits to
New York City where foreign
guests will have the opportunity to
view the Statue of Liberty and
other famous sights, as well as
taking a boat trip in the harbor.
From New York the group will be
bused to Pennsylvania where they
will visit several herds including
Ardrossan Farms in Villanova, the
state’s highest producing Ayrshire
herd, averaging over 20,000 pounds
on the 100 plus herd. Stops will also
be made at Longwood Gardens and
in the Amish country.
From Pennsylvania the group
will be flown to the Mid-west where
they will attend the World Dairy
Exposition. Ayrshire enthusiasts
are hoping to have one' of the
largest shows ever, with 400
Ayrshires participating in the 1988
National Ayrshire Show in
Madison. While in Madison,
Conference meetings will be held
where papers will be presented by
Ayrshire leaders from around the
world.
From Madison, the tour heads
towards lowa where the group will
see a farrow-to-finish hog
operation, more Ayrshire herds
and other facets of U.S.
agriculture. While in lowa they
wUI be treated to a hog roast and a
Paddle Boat ride on the Mississippi
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financial projections.
Thornton said the shortage of
' money for loans is a myth. The fact
is that not all credit applications
are credit worthy. Bankers lend
money to make money and they
will not lend with out assurance of
a person’s ability to return the
money.
Sharing information, attending
seminars, talking to successful
people are some ways to fine tune
your business management
practices. Thornton suggested
trying new ideas on a limited basis,
but retaining proven techniques.
Specifically, farmers have to
critically look at their fanning
techniques check soil pH levels,
fertilize correctly, control weeds
River. The Conference officially
ends in lowa, but a post-convention
tour is offered, with a trip to Los
Vegas, the Grand Canyon, Hoover
Dam and to the farm of the World
Federation President, Raymond
Jarratt, in New Mexico.
United States Ayrshire en
C. Me HIGH CO.
320 Kmc St
Myerstown. PA 17067
Phone 717*166 7544
Saving Tips At Maryland Ag Day
by type and field, and check farm
drainage. Thornton stressed that
these items can produce savings
which will pay off in the long run.
Thornton stated that a tem
porary or short term loan may
ensure failure. A banker who
provides a temporary loan to help
the farmer over the hump is not
helping. The farmer is avoiding
reality by thinking a temporary
loan without benefit of a long range
plan will solve financial problems.
Other ways Thornton suggested
farmers can save money in 1987
include:
•Taking advantage of off-season
prices.
•Comparing discounts to the cost
To Host
thusiasts are welcome to par
ticipate in the Conference ac
tivities and are encouraged to help.
For information about the World
Conference contact the Ayrshire
Breeders’ Association, 2 Union St.,
Brandon, VT 05733 or phone 802-
247-5774.
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of borrowing money.
•Buying only from financially
sound suppliers, beware of deals
that are too good to be true.
•Budgeting for the best and worst
crop.
•Exploring supplemental income
sources.
•Examining PIK and ROLL
potential.
•Rotating corn and soybeans.
•Maximizing populations.
•Planting early.
•Studing variety tests.
Dr. George Stevens, a University
of Maryland agricultural
economist, spoke on Maryland’s
Farm Crisis. From his charts and
surveys he showed that farm
assets have been falling since the
1980 s, which was caused by the fall
in land prices. Stevens said an
encouraging sign was that farmers
were reducing their liabilities.
As a group of the economic
sector, American agriculture is
holding its own and doing great.
Stevens said that the net cash
income has been rising since 1977.
Many farmers though are sup
plementing farming through their
spouse or by taking a second Job.
Off-farm income soon may pass
net cash income, Stevens stated.
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farmland in the country, Maryland
will have to wait out the storm on
better land prices. As the com
modity prices get better so will
land values. Since 75 percent of the
land in the United States is bought
by farmers, it is going to take some
time to balance out again, says
Stevens.
Major changes in farm policy
are a certainty in the next three
years, Stevens forecasted. There
will be a continuation of farm
policy with control on production.
Supply and demand have to be in
line before the support price can be
cut. Reagan proposes a 10 percent
cut in the target price. Stevens
says a lower percentage is more
realistic.
The last speaker on the program,
John Hall, based the topic
“Financial analysis, are you
prepared?” on stress
management. Whether it is
financial, legal or emotional, it is a
large factor in farming today.
Computer analysis will also play
a large part in the near future in
the management of our farms.
Many programs have been
developed and much has been done
to ease the fear associated with
bringing a new innovation to the
older generation.
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FIRST IN THE FIELD