Spring Ag Tab - 2024

Hutchinson Leader • Litchfield Independent Review

Are cover crops wor th it? / 5

Are cover crops worth it? / 5

Preparing 2024 financial Preparing 2024 financial information for your ag lender / 9 information for your ag lender / 9

Dave L arson receives Dave Larson Ag Person of the Year Award / 20 Ag Person of the Year Award / 20

Have you made your Have you made your 2024 crop insurance decisions? / 22 2024 crop insurance decisions? / 22

 Dealing with drought / 25

 Creating a farm succession plan / 26

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Multi-seed species are growing between corn row stubble. It was inter-seeded in the corn rows during the summer months.

Submitted photo

Are cover crops worth it?

According to experts as well as farmers, cover crops conserve soil as well as add to a farm’s profitability

BY MARY-ANNE OLMSTED-KOHLS

Special to Spring Agriculture

Cover crop use is discussed more and more in agriculture circles — from what to plant, how to plant and how effective they really

are. There are government programs incentivizing their planting and extra crop insurance benefits through federal crop insurance to encourage cover crop practices. It’s value is controversial, but there is little doubt it is the future in agriculture implementation.

“The main purpose of cover crops is soil preservation,” says Steve O’Neill, CEO of Corn Capital Innovations in Olivia. “For millions of years, soil was its most productive. Through means like cover crops, we are trying to bring it back to that healthy level.”

O’Neill is an agronomist and crop insurance consultant. He has traveled

all over the United States and overseas working with clients helping solve problems in their operation. One of them is soil health.

“Healthy soil has biological microorganism activity, which is eating and feeding the soil profile,” O’Neill explains. “ You want to keep a growing species with growing roots in the profile to keep the soil’s viability.”

There are five principles to soil health:

 soil armor (protection),

 minimizing soil disturbance (tillage practices),

 plant diversity,

 continual live plant/foot and

 livestock integration.

Cover crops implementation assists all five of these principles.

“The ideal is biological organisms in the spring to biological organisms in the fall,” O’Neill says. “Frost in to frost out.”

O’Neill explains that every region has a different window. The farther north the fields are, the shorter opportunity to utilize cover crop planting. The farther south, the wider the options and longer the span to work with. The key to success is the farmer’s adaptation to the zone they are in.

Cover crops to 6 ➤

COVER CROPS

➤ continued from 5

He also encourages farmers to stick with a program over a period of time. The longer the better.

“Modify small things in the process,” O’Neill encourages. “Systems can be adapted to fit people and situations. It’s really up to the growers — their geography, crop rotation and (tillage) system.”

“Around here, you see more late summer, early fall (cover crop) planting,” he says.

In the McLeod and Renville area — and some in Meeker — there are the canning crops. These are peas and sweet corn that are harvested earlier than the other crops, so their ground remains idle longer. These operations are able to plant grass cover like rye or oats, broad leaves — tillage radishes or turnips— or a legume. These can also be mixed together to increase biodiversity creating a tap root system to strengthen soil preservation. The mixed seeding also works better against weather extremes.

Sugar beets also have an early harvest window and a cover crop program benefits these fields also. It’s more work to seed cover crops in standing beets, but once it’s established, it’s easier to get in. Sugar beets along with sweet corn and pea operations are more apt to use cover crops post harvest because there is less residue left.

Dry bean crops — navy, kidney, black and pinto beans are harvested in August to early September and can be grown in the area. The cover crop after this harvest has a good chance of getting established in September.

“The goal is to keep a living organism growing on soil at all times,” O”Neill stresses. “Think of it the same way you would as gut health in people.”

O’Neill would like farmers to understand they don’t have to convert the whole operation to cover crops right away. He suggests selecting a field where there are issues and start there. Work with that field over a period of time. If things don’t turn out the way that was hoped, learn, analyze and modify things a little differently next time. Don’t expect everything in one planting season.

It’s OK to fail,” O’Neill says. “Figure out what you learned and what you created. It’s all a process.”

His motto is learn quick and adapt fast based on the observations. Overtime there will be the big win.

Another factor to cover crop success is good drainage. It sub-serves the soil health if the drainage is the issue. Often times the cover crop is blamed where it really was the drainage.

“Drainage is the number one factor.” O’Neil emphasizes. “In this area we have more issues with too much water than not enough. A balanced air, water and soil profile is so important to healthy crops.”

LIVESTOCK INTEGRATION

An area that tends to be overlooked but is helpful with cover crops is livestock integration. Grazing is a component that cover crops can offer. Having animals graze balances the carbon-nitrogen ratio, there is better regrowth, it reduces nutrient export, manages weed pressure, provides a higher nutritional diet, and reduces livestock waste. Right now, this is done more in North Dakota and western states, but could be implemented more seriously in Minnesota, too.

O’Neil says there is more innovation coming to accommodate cover crops. There is a lot of investment of overseas companies owning seed companies in the United States. The overseas companies have worked more with cover

Summer O’Reilly Steve O’Neil, CEO of Corn Capitol Innovations in Olivia, is an advocate of cover crops for soil preservation.

crops than has been done here. There will be more businesses coming into the market and more expertise promoting cover crop implementation. It is going to be common practice at some point in the future.

A COVER CROP WINNER

Phil Smith is a farmer who has worked with cover crops since 2018. He farms 800 acres of corn and soybeans in southwestern Renville County in the Minnesota River Valley. His acreage has a mixture of light soils and others with heavy soil types. His operation is no-till.

“We started the fall of 2018 with one field,” Smith reflects. “We planted winter rye (with a plane) into standing corn stalks. In the spring we drilled more live rye into the soybeans.”

Smith did have doubts that first year, however, he had good friends that had been working with cover crops for 15 years and mentored him with it. Communication happened regularly between the other guys and Smith to help

Cover crops to 8 ➤

Submitted photoPhil Smith and his wife Robyn are farmers who have grown corn and soybeans on their 800 acres in southwestern Renville County. They have worked with cover crops since 2018. In the background is the John Deere drill he uses to plant the multiseed cover crop mixture between corn rows.

Submitted photo

him avoid and work with the challenges. That helped Smith make changes so the cover crop situation became more successful the following year.

“There’s a huge learning curve when you start,” Smith says. “ I’m grateful for the mentors.”

One of changes made was drilling all the cover crop seeding rather than using a plane. “We found the plane wasn’t as consistent as drilling was. It (drilling) left a better stand.”

The fall of 2019, Smith planted winter rye in all of his acres including the soybean stubble. In the spring of 2020, besides planting the live rye in the corn and soybeans, they also inter-seeded multi-species cover crop seeds in between the rows of corn. The implement he used and still uses is a John Deer grain drill that they moved the units over to fit between the rows.

“You don’t need to get that small seed any deeper than a 1/4-inch to 1/2-inch deep,” Smith says. “We plant it when

the corn is at V2-V3 — less than a pop can in height. This generally happens in very early June depending on the spring planting dates of the corn crop.”

He has continued with the inter-seed process into the early corn since.

In the fall of 2020, Smith seeded a field with a heavier population of rye with the interest of harvesting the seeds to use himself. They harvested a small amount of an acre in the summer of 2021 and kept the seeds. He planted those seeds in the fall of 2021 in all the fields and has continued the sequence since, adding acres of rye that he also sells.

retention. He’s also seen an increase in organic matter. He’s been able to significantly reduce pesticide and synthetic fertilizer use while maintaining yield levels thereby increasing profitability.

“The main purpose of cover crops is soil preservation. For millions of years, soil was its most productive. Through means like cover crops, we are trying to bring it back to that healthy level.”

Steve

O’Neill

CEO of Corn Capital Innovations

In the five years he’s been working with cover crops, Smith has seen a significant change in the health of his fields’ soil and water infiltration and

“While many think of cover crops as a conservation practice,” Smith explains. “It’s actually about profitability. It reduces exterior inputs.”

“This is a ‘thinking man’s way of farming.” Smith continues. “You have to change your whole way of thinking. Profitability is guiding us.”

As a no-till operation, the planting of the rye follows right behind the combine instead of tilling the soybean stubble in the fall. “That’s our tillage,” Smith exclaims. He goes on to explain that it may seem late — they’ve even seeded into

snow before the ground froze — but the seeds can germinate at 34 degrees. Once that happens, germinated seeds do their job through the winter.

“It (rye) doesn’t need to be green and grow,” Smith explains. “ It’s what’s happening underneath that matters.”

“When we first started doing this, my neighbors wondered if I lost my mind,” Smith goes on. “They were a bit uncomfortable with what I was doing as it was completely new. Now they’re opinion has changed.”

“This isn’t a fad. It’s going to continue to grow,” he adds.

Today, Smith is mentoring other farmers as his friends did for him. He encourages them to try things and learn to shift their thinking so they focus on soil health rather than conventional ideas. Smith himself is enjoying farming more than ever and appreciates the regenerative practices cover crop use offers for his field’s soil.

“I plant in beautiful seed beds, now,” Smith says. “I’m working with God’s creation rather than working against it.”

PREPARING 2024 FINANCIAL INFOR M ATION FOR YOUR AG LENDER

Farm operations had a mixed profit year in 2023, with some farmers having fairly good profit levels, while others had much more modest results in 2023. In all cases, all farm operators are facing much tighter profit margins for crop and livestock production in 2024, as compared to recent years. During these changing farm financial times, it is good to plan ahead before meeting with an ag lender for renewal of

a farm operating line of credit or for an annual review of the farm financial portfolio.

Following are some tips for farm operators to be more proactive, as they are preparing for an annual meeting with their ag lender.

 Prepare an up-to-date 2023 year-end farm balance sheet. Preparation of an accurate and upto-date year-end balance sheet is critical to the loan renewal process for any farm operation. Updating

Thiesse to 10 ➤

•Businessand

the previous year’s balance sheet with current year-end numbers can help expediate the process. If the farm operation is a sole proprietorship, most ag lenders will also want personal asset and liability data included. If it is a partnership or family corporation, most ag lenders will also require personal balance sheets from all partners.

A good year-end balance sheet will include:

 List of accounts receivable as of 12-31-23, which includes whom the money is due from, the dollar amount, and the date it will be received. This includes deferred payments for grain sold in 2023.

 List of accounts payable as of 12-31-23, listing who the money is owed to, the dollar amount, and when payment will be due.

 List of 2024 prepaid expenses for both crops and livestock as of 12-31-23, which details the input, amount of the input, and the amount that was prepaid. This is for items where payment has occurred.

 Grain and livestock inventory list as of 12-31-23. The grain inventory should include total bushels of each crop, bushels that are forward priced (date and price for each sale), and any sales plans for the remaining bushels. Livestock inventory should include the number, weight, and any sales information on market or feeder livestock. An updated list and estimated value of breeding livestock should be included as an intermediate asset rather than a current asset.

 CCC loans on 2023 grain that were taken prior to 1-01-24, listing the bushel amount, CCC loan rate, CCC interest rate, CCC loan maturity date, and sales plans for the CCC grain.

 Review the list of farm machinery and equipment, buildings and facilities, and other capital assets, removing

any assets that have been sold or removed, and adding any assets that were purchased or acquired during 2023. Farm machinery is usually listed as an intermediate asset.

 Add any land or other longterm assets that were added in 2023 and adjust asset values as necessary (may want to review this with an ag lender).

 List of all other loans and creditors as of 12-31-23, listing the principal balance, interest rate, payment amount, and payment dates. Be sure to include short-term creditors for crop inputs, loans with family members, and CCC loans through FSA offices.

 Prepare a 2023 year-end income and expense statement as of 12-31-23. The year-end income statement from the previous year should be based on actual sales of grain and livestock during 2023, which will likely include both some 2022 inventory that existed at the beginning of the year, as well as any 2023 grain or livestock that was sold during the year. The 2023 expenses would include any accounts payable from the beginning of the year balance sheet that were paid in 2023 and any 2024 prepaid expenses that were paid in 2023, in addition to the other 2023 crop and livestock expenses. A preliminary 2023 federal tax return is a good resource to prepare an income statement.

 Prepare a budget-to-actual summary for the previous year (as of 12-31-23). Once the 2023 income and expense statement has been finalized, and accrual adjustments are made based on the year-end balance sheet. It’s always good to review the actual year-end financial analysis compared to the budgeted cash flow analysis that was prepared at the beginning of the year. Pay attention to the big differences that exist in crop and livestock income and the various expense items, as well as determine explanations for those differences. Analyze for any potential adjustments that are needed for 2024.

PREPARING A PRELIMINARY 2024 BUDGET AND CASH FLOW ANALYSIS

Preparing an accurate and complete budget and cash flow analysis for 2024 is a very important part of the loan renewal process. A high-quality cash flow analysis will likely include:

 A grain and livestock marketing plan that includes a list of the amount sold, the contracted price, and the date to be delivered, as well as plans for remaining unpriced grain and livestock inventories.

 Planned crop and livestock production for the year, including acres of various crops, anticipated production levels, and any current or planned sales of the 2024 production; a list of planned crop and livestock inputs for 2024, the contracted or planned price of the inputs and when the expense will be incurred.

 A detailed list of rented farmland for 2024, which includes the name of the farm owner, acres rented, amount of rent (including flexible lease details), and dates when rent payments are due. Include income received for accounts receivable on the yearend balance sheet and account for the expenses of any accounts payable at the beginning of the year.

 Include any other farm income (custom work and so on) and non-farm expenses (family living, personal loans and so on) that must be accounted for in the cash flow analysis for the farm.

 Provide details of planned 2024 crop insurance coverage, such as updated APH yields, percentage coverage, enterprise versus optional units, and the addition of hail or wind insurance. (Your ag lender may be a good resource for these decisions.)

 Provide a copy of FSA farm program information listing the crop base acres and FSA program yield for each farm unit. Discuss

the 2024 farm program choice with your ag lender.

 Include any planned changes or adjustments in the farming operation for 2024 in the cash flow analysis, including farm machinery purchases or sales, adding or selling land or other assets, and any other changes to the farm business, as well as any changes in personal assets or liabilities.

It is best to include all partners and family members that are part of the farm operation in the renewal process with an ag lender, so that all key players are “on the same page” with financial decisions affecting the farm business. It is very important to be trustworthy and honest in preparing and sharing financial information with an ag lender to help assure confidence in the accuracy of the financial data. View an ag lender as an informal partner in a farm business, as a good ag lender can be a valuable resource in making management decisions.

Farm operators should expect their ag lenders to be well prepared, trustworthy and honest in financial dealings.

It is important to remember that most local ag lenders also face a lot of pressure in the process of renewing farm operating loans and that they need to do their “due diligence” to complete the necessary requirements in the loan renewal process. The documentation that is prepared will likely be reviewed by senior management at a financial institution, as well as be subject to review and audits by federal and state bank examiners. Most ag lenders are part of the local community and want to see farmers have financial success, which is in the best interest of both the farm business and the ag lending institution.

— For more information, call Kent Thiesse, farm management analyst, at 507-381-7960, or email kentthiesse@gmail.com.

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While the lack of mental health resources and the ability to afford them may be discouraging, raising awareness of mental health issues in farming communities is crucial for removing barriers to care. Submitted photo

FEELING WORRIED? WORRIED? AN X IOUS OR DEPRESSED? ANXIOUS Research and

outreach are improving mental health care options for farmers

It’s no secret that farming is a physically demanding job, but the mental and emotional toll of the profession is often stigmatized or ignored. Fortunately, the mental health impact of running a farm is being increasingly studied and, as a result, better understood. For example, Josie Rudolphi, Ph.D. — an assistant professor and Extension specialist in the Department of Agricultural and Biological

Engineering at the University of Illinois and co-director of the North Central Farm and Ranch Stress Assistance Center — researches farm stress and mental health, agricultural safety and health and child agricultural injury prevention.

Farmers to 14 ➤

FARMERS

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“We know that farmers experience really unique work-related stressors,” Rudolphi said. “These include the unpredictable nature of commodity prices and environmental conditions, which can tremendously impact their bottom line.”

According to Rudolphi, farm finances are a leading source of stress, regardless of what’s happening in the economy, and research shows financial and environmental stress are associated with symptoms of anxiety and depression. Perhaps this is why the number of people in the agricultural community who experience clinically significant symptoms of anxiety and depression exceeds those who experience similar symptoms in society at large.

A survey by Rudolphi and her team found that nearly 60% of young farmers met the criteria for depression, and even more met the criteria for anxiety. For the general population, it’s closer to 20% to 30%. Given the prevalence of these mental health struggles, it’s critical that farmers have access to mental health care.

BARRIERS TO CARE

Farmers seeking access to mental health care run into many barriers to care, one of which is simply finding services. In many places in rural America, there aren’t enough providers to meet the community’s mental health care needs.

Another challenge farm families face is cost. Because most farmers are independent producers who may operate on very thin margins, mental health care is often considered a luxury or an unnecessary expense.

While the lack of mental health resources and the ability to afford them may be discouraging, raising awareness of mental health issues in farming communities is crucial for removing barriers to care.

RECOGNIZE THE SIGNS OF MENTAL HEALTH ISSUES

When communities know the signs of mental health issues, it can help decrease the stigma for those dealing

Luis Villasmil on unsplash.com

Feeling stressed and overwhelmed? Reach out to the Minnesota Farm and Rural Helpline. Call 833-600-2670, text FARMSTRESS to 898211 or email farmstress@state.mn.us.

with these struggles. For example, a change in behavior is one of the main warning signs of anxiety and depression.

“When people begin to behave differently, for whatever reason, it’s important to understand why,” said Dr. David Merrell, a regional physician with Syngenta Health Services and the on-site medical doctor for Syngenta in Greensboro, North Carolina. “Don’t wait. If you see a behavioral change, raise the question.”

Approaching someone experiencing behaviors outside of the norm gives them an opening to talk about their

emotional health, stresses and worries. When approaching people struggling with mental health issues, patience is important. On average, people experiencing mental health issues take more than 10 years to speak up. That can be especially true for the rural community.

“Farmers and farm families are typically very self-reliant and can be reluctant to seek help,” Merrell said. “Recognize that everything is therapy. Hobbies, self-reflection and sharing your concerns with others are all forms of therapy. The question is, what kind of therapy do you want? Engaging a men-

tal health professional can provide access to a better, higher quality of care.”

HELP IS HERE

To address the lack of mental health resources for farmers, the USDA has funded four regional farm and ranch assistance networks. They are:

 North Central Farm and Ranch Stress Assistance Center; farmstress.org

 Western Regional Agricultural Stress Assistance Program; farmstress. us

 Cultivemos; www.youngfarmers. org/cultivemos/

 Southern Region Farm and Ranch Stress Assistance Network; tinyurl. com/46nk4u4s

Each network has a dedicated website and links to mental health resources and support for farmers, ranchers and agricultural workers. This regional approach is important to meeting the unique needs of each farming community. For example, in the North Central region, Rudolphi and her team are working to deliver mental health literacy programs for agricultural producers and those who work with them, including bankers, retailers, seed dealers and others who know farmers professionally and personally.

“We are training these people to be mental health allies,” Rudolphi said. “That includes when it’s necessary to intervene and how to talk about mental health. We still see stigmatization around mental health in these communities, but I think that’s starting to change. Hopefully, through education, increased awareness and shifting attitudes, farmers and their families will be encouraged and empowered to take the steps necessary to enhance their emotional well-being.”

Help is also available at your local University of Minnesota Extension office:

 U of M Extension McLeod County, 840 Century Ave. S.W., Hutchinson; 320-484-4334; email: ande9495@umn.edu; website: extension.umn.edu.

 U of M Extension Meeker County, 1230 N. Armstrong Ave., Litchfield; 320-693-5275; email: ande9495@umn.edu; website; extension.umn.edu.

Information is also available at www.SyngentaThrive.com.

Source: Brandpoint

M ARK E TING FO R MARKETING FOR FAR MER S’ FARMERS’ M ARK ET S MARKETS

Farmers’ markets, once humble gatherings, have evolved into bustling hubs of local commerce

For farmers and vendors participating in local farmers markets, the challenge lies in producing quality goods and in effectively marketing them to stand out in a competitive environment.

Effective marketing helps farmers thrive in the competitive marketplace and create a lasting connection with their customers. As these markets continue to flourish, the cultivation of strong marketing strategies ensures that farmers’ produce remains at the forefront of consumers’ minds.

Local farmers markets are available in Hutchinson, Glencoe, Litchfield and Dassel. Typically the outdoor markets open in May and close in October.

BRANDING AND STORYTELLING

Developing a compelling brand story creates a connection between farmers and consumers. Share the journey of your farm, highlight sustainable practices and emphasize the uniqueness of your products. Customers are increasingly drawn to the stories behind the produce they purchase.

 Presentation matters. Create visually appealing displays that showcase the freshness and variety of your products. Use colorful, well-designed signage, arrange produce in an aesthetically pleasing manner and consider offering samples to entice potential customers.

 Extend your reach beyond physical markets by establishing an online presence. A user-friendly website or e-commerce platform allows customers to browse your products, place orders and even arrange for delivery or pickup, expanding accessibility.

 Leverage the power of social media to connect with customers beyond the market. Regularly update platforms like Instagram and Facebook with visually appealing posts. Share behind-the-scenes glimpses of farm life, promote special offers and encourage customer interaction.

CUSTOMER REWARDS

Rewarding loyal customers fosters repeat business. Consider implementing loyalty programs, offering discounts for returning customers or providing special perks for those who refer new clients. Building a loyal customer base is a powerful long-term marketing strategy.

Tailor your marketing strategies to reflect the changing seasons. Highlight seasonal produce, create themed promotions or offer limited-time discounts on specific items. Embracing the rhythm of the seasons keeps your offerings fresh and exciting. Actively

The Hutchinson Farmers Market opens in May and closes the end of October. Outdoor hours are 2:30-5:30 p.m. Wednesdays and 8 a.m.-noon Saturdays at Depot Marketplace, 25 Adams St. SE. The market moves indoors November through April to the historic Great Northern Depot.

seek customer feedback to understand preferences and areas for improvement. Use this information to adapt and refine your offerings. An agile approach to your product lineup based on customer input enhances satisfaction and loyalty.

Informing customers about your farming practices, the benefits of locally sourced products and the unique qualities of your offerings can set you apart. Consider hosting workshops, demonstrations or tastings to engage and educate your audience.

COLLABORATION

Collaborative efforts can amplify visibility. Partner with other vendors to create joint promotions or themed events. Cross-promotion helps tap into each other’s customer bases and adds a sense of community to the market experience. Become an active participant in the local community. Sponsor local events, engage in charitable initiatives or collaborate with local businesses. Establishing your presence outside the farmers’ market strengthens your brand and fosters community support.

File photo

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ANNIE’S PROJECT EMPOWERS WOM EN IN AG

320.693.2411|HWY12LITCHFIELD

BY UNIVERSITY OF MINNESOTA EXTENSION extension.umn.edu

This is the 21st year of Annie’s Project.

The upcoming session is titled Annie’s Project: 2024 Prairie to Pines. It is a series of workshops for women involved in management and decision-making processes in agriculture.

The six-week online workshop is designed to empower farm women to be better business partners. It is led by experts in the business of farming and ranching including financial management, human resources, legal, marketing and production.

Participants will meet on

Zoom 6:30-9 p.m. Tuesdays, should read: March 26, April 2, 9, 16, 23 and 30. Each session offers time for questions, sharing and connecting with presenters and participants.

The audience for this series of workshops would include: women involved in production agriculture and farming; women involved in ag business, banking and ag agencies; and women who would like to understand the scope of agriculture.

The cost of the workshop is $99 and covers the course materials that will be mailed to you. Links to the Zoom sessions will be emailed to you.

The program is limited to 15 participants. To register, visit tinyurl.com/27yfvrca. The deadline to sign up is Feb. 29.

University of Minnesota Extension Annie’s Project is a six-week online workshop designed to empower farm women to be better business partners.

DAV E L AR S ON NA MED DAVE LARSON NAMED AG PER S ON OF THE Y E AR PERSON OF THE YEAR

Service to agriculture began with his own hog farming operation, transitioned to insurance

BY MARY-ANNE OLMSTED-KOHLS Special to Spring Agriculture

Dave Larson received a pleasant surprise when he attended the Crop Management Input Seminar during December.

Owner of Dave Larson Financial and Insurance Services Inc., Larson received the Ag Person of the Year award at the seminar, which is sponsored by University of Minnesota

Extension and the Hutchinson Chamber of Commerce’s Agri-Business Committee.

The Agri-Business Committee has been a staple of the Hutchinson Area Chamber and Tourism for 30-some years, and began this award, starting with Elmer Howe back in 2003. The award symbolizes knowledge but more importantly service to the ag community.

“It was a surprise,” Larson said of the recognition. “Not at the banquet, but beforehand.”

His business usually pays for tables at the banquet, so he would have been there anyway, he said.

“I appreciate the Chamber giving me this award,” Larson said. “It’s important to me. It makes me feel good.”

Larson has always been tied to agriculture. As a youth, he helped around his family’s farm near Amboy. By the time he was a senior in high school, he had 2,000 hogs of his own. His father could only help one son farm, though, and that internship went to Larson’s oldest brother. Luckily, Larson received a full-ride football scholarship to the University of Minnesota, which he accepted, playing football and getting a degree in business there.

Larson and his wife, Amy, moved to Hutchinson in 1988, and he began an eight-year career as an ag lender at Marquette Bank (now CorTrust Bank).

“When I came here, it was the middle of the ‘farm crisis,’” Larson sid. “I knew it would get better.

“All farms in the ’80s were selling for $500-$800 an acre around here,” he added with a chuckle, as ag land today is appraised at more than 10 times that.

Marquette Bank decided to discontinue ag business loans, so Larson left. At the same time, First Federal (now MidCountry) decided to go into ag lending and contacted Larson.

“They asked me what I could bring to them,” he said. “I said I would bring them $50 million — and I did my first year there.”

He signed 30 young farmers to the Rural Finance Authority Program. Arne Carlson, governor of Minnesota at the time, visited Hutchinson and presented Larson with a recognition crock for his assistance and support of so many young Minnesota farmers.

Larson was with First Federal for five years until it was sold to MidCountry, then spent another nine years there.

At age 55, Larson decided to go into business for himself. His inspiration was his grandpa, a farmer, buying land and building up his farm operation at the same age. Larson felt the time was right.

“I had a lot of relationships with farmers who I felt would buy (insurance) from me,” Larson said. “Nationwide (Mutual Insurance) was a more selective company than the broad range I was interested in dealing with. I got 400 names and personally drove down to the company offices in Iowa and showed them my potential clients.

I dared them to take a risk with me.”

Nationwide signed with him right then. His first year with the company, the business took in $400,000. That won him a trip to London. Now Dave Larson Financial and Insurance Services has $15 million in premiums.

His business is just a couple buildings down the block from his old office at MidCountry Bank. Larson contacted Bonnie Westmiller, the owner at the time, about renting the property. It was originally the old First Federal Bank building. Larson rented from her for five years and then in 2014, he bought the building.

“When I was looking for a place for the business, I knew I needed $25,000 worth of fire-proof safes to house files,” Larson said. “The bank came with a fireproof vault. I knew it was a perfect fit.”

“It’s conveniently close to the post office, too.” Larson adds.

When Larson started the business, it was basically just him. Now he has eight employees — one of whom is his son Matt.

“It’s fun working with Matt,” Larson said.

Five years ago, Larson bought another agency in St. Bonifacious. It is a Dave Larson property, but it still carries the original owner’s name — Dressel Agency. Matt Larson recently moved to Watertown and will be in charge of running those offices. The expansion is to gain more property and casualty clients from the metro area.

“Most people think we only do farm insurance,” Larson explained. “We can do any type of policy.”

Larson sees a change transpiring for himself. He recently turned 70 and is looking to work less. He is interested in spending more time with his wife, who retired more than a year ago, and their grandchildren. He proudly shared that another one is on the way.

“This is a relationship business,” Larson said. “I built customers one at a time. They’re not ‘cookie cutter.’ Every customer is different in tolerance, risk and debt. I think we’re good at figuring what’s right for the individual.

“We want all customers to be winners,” he added. “For them to be successful is a win-win for both of us.”

Have you made you r 2024 crop insu rance decisions?

The deadline to purchase 2024 crop insurance is March 15

During the next few weeks, farm operators will be finalizing their crop insurance decisions for the 2024 crop year. March 15 is the deadline to purchase crop insurance for the 2024 crop year. The 2024 spring prices for corn and soybean are likely to be reduced substantially from the base price levels last year; however, there still should be some favorable crop insurance guarantees

again this year at reasonable premium costs. Producers have several crop insurance policy options to choose from, including yield-only (YP) and revenue protection (RP and RPE) policies, SCO and ECO policies,

and other private insurance options.

In recent years, most farm operators have chosen revenue protection (RP) insurance options, which provide a guaranteed minimum dollars of gross revenue per acre (yield x price). This guarantee is based on yield history (APH) on a farm unit times the spring (base) price, which is the average of the CBOT prices during the month of February for December corn futures and November soybean futures. As we enter February, the 2024 crop insurance spring price estimates in the Upper Midwest for YP, RP and RPE policies were estimated at $4.70 per bushel for corn and $11.75 per bushel for soybeans. The 2024 spring prices will be finalized on March 1. The current 2024 base price estimates compare to 2023 base prices of $5.91 per bushel for corn and $13.76 per bushel for soybeans and the 2022 base prices of $5.90 per bushel for corn and $14.33 per bushel for soybeans. The final 2024 crop revenue will be the actual farm yield times the crop insurance harvest price, which is the average CBOT prices during October for December corn futures and November soybean futures.

in both 2020 and 2021, as well as for corn in 2022. The RPE option is not recommended to protect against losses due to large crop disasters or other situations that could lead to price increases during the year.

An analysis for the past 17 years (2007-2023) shows that the final crop insurance harvest price for corn has been lower than the spring base price in 11 of the 17 years, including a decrease of ($1.03) per bushel in 2023. The corn harvest price was also lower from 2013-2019. That trend was reversed from 2020-2022, when the harvest price for corn rose above the spring price by +$.11 per bushel in 2020 +$.79 in 2021, and by +$.96 in 2022. The only other years that saw an increase in the harvest price were 2010, 2011 and 2012.

For soybeans, the harvest price has increased in seven years (2007, 2009, 2010, 2012, 2016, 2020 and 2021) and decreased in nine years (2008, 2011, 2014-2019, 2022 and 2023), while staying the same in 2013. The range has been from an increase of +$2.84 per bushel in 2012 to a decline of ($3) per bushel in 2008. In 2023, the harvest price was $12.84 per bushel, which was a decrease of ($.92) per bushel from the spring price of $13.76 per bushel.

SCO AND ECO INSURANCE COVERAGE

Another insurance option that is a lower premium than a typical RP policy with harvest price protection is a RPE (harvest price exclusion) policy, which functions similarly to a standard RP policy except that the guarantees on RPE policies are fixed at the base price level and are not affected by harvest prices that exceed the base price. The revenue guarantee for standard RP policies is increased for final insurance calculations, if average CBOT prices during the month of October are higher than the February CBOT prices, which is what occurred for corn and soybeans

The Supplemental Coverage Option (SCO) coverage is only available to producers that choose the Price Loss Coverage (PLC) farm program option for the 2024 crop year. The farm program and crop insurance enrollment deadlines are both March 15, which means that farm operators will need to consider both choices during the same time period. SCO allows producers to purchase additional county-level crop insurance coverage up to a

With the unusually warm winter weather, it’s hard to know what conditions will be in the coming months and how it will affect M innesota farmers. Talk to your insurance agent about crop insurance. The deadline to purchase 2024 crop insurance is March 15.

maximum of 86% coverage. For example, a producer that purchases an 80% RP policy could purchase an additional 6% SCO coverage. The federal government subsidizes 65% of the premium for SCO coverage, so premiums are quite reasonable, making SCO a viable option for some producers.

The Enhanced Coverage Option (ECO) provides area-based insurance coverage from 86% up to 95% coverage, with producers having a choice between 90% or 95% ECO coverage. Unlike SCO coverage, the purchase of ECO coverage is available with selection of either the PLC or ARC-CO farm program choice for 2024. Producers can utilize both ECO and SCO together, in addition to their underlying RP, RPE or YP insurance policy. SCO and ECO are county revenue-based insurance products that utilize the same crop insurance base prices and harvest prices as RP insurance policies; however, the biggest difference is that SCO and ECO utilize countylevel average yields, rather than the farm-level APH yields. As a result, the SCO and ECO insurance policies may achieve different results than the underlying RP policy. SCO and ECO insurance policies can serve as a good risk management tool to offset

potential significant price declines in the fall harvest price. Interested producers should check with their crop insurance agent for details on SCO and ECO insurance coverage and premiums for 2024, as well as to compare SCO and ECO with other private buy-up insurance products.

ENTERPRISE UNITS AND OPTIONAL UNITS

Enterprise units combine all acres of a crop in a given county into one crop insurance unit, while optional units allow producers to insure crops separately in each individual township section. Enterprise units usually have considerably lower premium costs (approximately $8$10 per acre) compared to optional units for comparable RP and RPE policies. Producers should be aware that enterprise units are based on larger coverage areas, and do not necessarily cover losses from isolated storms or crop damage that affect individual farm units, such as damage from hail, wind or heavy rains. Many times, producers automatically opt for enterprise units every year, due to the lower premium cost per acre for similar coverage, and probably not totally understanding the differences in coverage between enterprise units

and optional units. It is important to understand the difference in insurance coverage and to analyze the yield risk on each individual farm unit, when determining if paying

the extra premium for insurance coverage with optional units makes sense.

University of Minnesota Extension Service

INSURANCE

➤ continued from 23

BOTTOM LINE ON CROP INSURANCE

Producers have the option to purchase RP and RPE insurance coverage levels from 50% to 85%, and losses are paid if the final crop revenue falls below the revenue guarantee. Given the reduced spring base prices for both corn and soybeans, there may be a tendency to reduce the level of crop insurance coverage for 2024. However, producers need to closely analyze their risk exposure for the 2024 crop year and adjust their crop insurance coverage accordingly. At

the current estimated spring prices, many producers should still be able to provide an adequate level of risk protection for corn and soybean production in 2024.

At current spring price levels, many producers will be able to guarantee from near $650 to $900 per acre for corn, and near $450 to $700 per acre for soybeans, depending on their APH yield, by utilizing 85% RP insurance coverage level in 2024. Producers can further enhance their revenue guarantees through buy-up crop insurance coverage that is offered by private insurance companies, as well as with wind and hail

endorsements, or through the purchase of SCO or ECO insurance coverage. Crop insurance remains one of the best risk management tools that is available for farm operators to protect their investment in crop production. A reputable crop insurance agent is the best source of information to find out more details about the various crop insurance products that are offered, to get premium quotes, and to help finalize 2024 crop insurance decisions. Kent Thiesse, farm management analyst, and author of this article, has prepared an information sheet titled: “2024 Crop Insurance

Improve you r farming with University of M innesota Extension classes

BY UNIVERSITY OF MINNESOTA EXTENSION extension.umn.edu

Looking for practical education and research you can trust? Look no further than your local University of Minnesota Extension office. Through the U of M Extension, it offers a variety of classes that can help you solve problems, develop skills and build a better future. Interested in learning more? The following programs are offered:



FERTILIZERS: HOW TO GET

YOUR BEST ROI: 9-10 a.m. Wednesday, March 9. Ryan Miller, Extension educator for crops is the moderator. The speakers are Dr. Dan Kaiser, Extension nutrient management specialist, and Jeff Vetsch, researcher at the Southern Research and Outreach Office. They will take a look at the recently updated fertilizer guidelines and discuss how to get the biggest bang for your buck when making fertilizer decisions. Admission is free but advance registration is required at tinyurl.com/2kap5b6d. This presentation is part of the Strategic Farming webinar series. It provides up-to-date, research-based information to help you optimize your crop management strategies for 2024. Log on and join

in or listen to the conversation. This online session is informal and open to all who are interested. Each session will start with a brief presentation by the discussion leaders for the day, followed by discussion framed around farmer/ participant questions.

 MULTI-GENERATIONAL FARM TRANSITION RETREAT: 5-8 p.m.

Friday, March 8, and 8:30-4 p.m. Saturday, March 9 at St. Cloud. The farm transfer program helps farm families dive deeper into conservations about family and business goals, job responsibilities, financial needs of farms and families, inheritance considerations and mechanisms of transfer. Hosts are Jim Molenaar, St. Cloud Technical and Community College; and Susanne Hinrichs and Nathan Hulinsky, University of Minnesota Extension. The retreat including meals is free but registration is required at tinyurl.com/575d657c.

 LET’S TALK SMART CORN INSECTS: 9-10 a.m. Wednesday, March 13. The European corn borer has been overcoming Bt traits in Canada so, Minnesota farmers need to keep an eye out for it, as well. Corn rootworm control continues to be a problem with extended diapause and breaking resistance traits, too. Join Dr. Fei Yang, Extension corn

entomologist, as he discusses these challenges in corn insect management. Admission is free but registration is required at tinyurl.com/2kap5b6d. This program is part of the Strategic Farming webinar series.

 LET’S TALK FUNGICIDES FOR CORN AND SOYBEAN DISEASE: 9-10 a.m. Wednesday, March 20. Moderator is Angie Peltier, Extension educator — crops. Not every fungicide works well to protect corn or soybean against all of the fungal pathogens that can reduce yield. Join Dr. Kiersten Wise, professor/ Extension plant pathologist, University of Kentucky, to better understand the applied research that is used to generate efficacy ratings. Admission is free but registration is required at tinyurl. com/2kap5b6d. This program is part of the Strategic Farming webinar series.

 MEEKER COUNTY GARDEN

GALA: 5-8:30 p.m. Thursday, March 21, at the Church of St. Philip, 821 E. Fifth St., Litchfield. All gardening enthusiasts are encouraged to attend. The schedule features: 5 p.m. doors open with registration and visiting vendors; 6-7 p.m. Master Gardeners presentation: The core of growing apples in Minnesota; 7-7:20 p.m. break, visit vendors, door prize drawings;

Decisions.” To receive a copy of the information sheet, send an e-mail to: kentthiesse@gmail.com.

Following are some very good websites with crop insurance information:

 USDA Risk Management Agency (RMA): www.rma.usda.gov

 University of Illinois Farm document: www.farmdoc.illinois. edu/cropins/index.asp

 Kansas State University Ag Manager: agmanager.info/cropinsurance

— Kent Thiesse is a farm management analyst. He can be reached at 507-381-7960 or email kentthiesse@gmail.com.

Halfpoint/stock.adobe.com

In a constantly changing world, fresh ideas are always just over the next horizon. University of Minnesota Extension offers education and research you can trust.

7:20-8:20 p.m. Featured speaker Julie Weisenhorn will talk about creating a drought-tolerant home landscape in the face of changing climate conditions. The cost is $10 if registered by March 8 or $20 at the door. For more information or to register, contact Kayla Huhn at Meeker County support, call 320-6935275 or email mehuhn@umn.edu; Emily Hansen, Extension educator, email hans6005@umn.edu.

For more information about University of Minnesota Extension offerings visit extension.umn.edu or contact your local Extension office:

 U of M Extension McLeod County, 840 Century Ave. S.W., Hutchinson; 320-484-4334; email: ande9495@umn.edu; website: extension.umn.edu.

 U of M Extension Meeker County, 1230 N. Armstrong Ave., Litchfield; 320-693-5275; email: ande9495@umn.edu; website; extension.umn.edu. extension. umn.edu.

DE ALING WITH DROUG HT DEALING WITH DROUGHT

Continuous learning is key to staying ahead of the curve in drought management

As the specter of drought looms over agricultural landscapes, farmers and livestock owners find themselves grappling with the dual challenge of planning for and mitigating the effect of water scarcity on their crops and animals.

Drought, a recurring and often unpredictable natural phenomenon, poses a significant threat to food security and livelihoods. In light of this, experts stress the importance of proactive measures to build resilience in the face of these arid challenges.

Science.org reported that the past 22 years have been the driest in at least the past 1,200 years and that climate change is responsible for 40% of the intensity.

Drought conditions can wreak havoc on crops and livestock, leading to reduced yields, diminished forage quality and water shortages. Farmers and livestock owners must recognize the signs and anticipate the onset of drought to implement effective management strategies.

According to Smartrain.net, drought conditions are made worse by deforestation, overgrazing, excessive irrigation and climate change.

Drought preparedness and management are integral components of sustainable agriculture in the face of an increasingly unpredictable climate. By adopting a holistic approach that combines technological innovation, community collaboration and proactive planning, farmers can build resilience and navigate the challenges posed by water scarcity. As the agricultural sector continues to adapt to evolving environmental conditions, the implementation of these strategies becomes

not only a necessity but a proactive step towards securing the future of global food production.

DEVELOPING A PLAN

Preserving water resources is paramount during drought periods. Farmers should invest in water-efficient irrigation systems, implement rainwater harvesting techniques and explore alternative water sources to safeguard against shortages.

Diversifying crops can be a crucial element of drought preparedness. Certain crops are more resilient to water scarcity, and incorporating droughtresistant varieties into the planting strategy can help maintain yields during challenging periods.

Livestock are particularly vulnerable during droughts due to decreased forage availability. Developing a sustainable grazing plan, supplementing

feed with nutritional alternatives, and ensuring proper veterinary care can help maintain the health and productivity of livestock.

Healthy soil retains moisture more effectively. Implementing conservation tillage practices, cover cropping and mulching can enhance soil structure and reduce water evaporation, providing a buffer against drought conditions.

Investing in weather-monitoring technology and establishing early warning systems can empower farmers to make informed decisions. Timely information about impending drought conditions enables proactive adjustments to planting schedules and irrigation practices.

MITIGATING THE EFFECT

Having contingency plans for emergency feeding can prevent livestock from suffering malnutrition during droughts. Stockpiling feed or estab-

lishing relationships with reliable suppliers in advance can ensure a steady supply.

Farmers should explore insurance options and financial tools designed to mitigate the economic effect of drought. Government and agricultural agencies often provide assistance programs that can offer financial relief during challenging seasons.

Establishing strong community networks can be a lifeline during droughts. Sharing resources, information and best practices within the farming community fosters resilience and collective problem-solving.

Continuous learning is key to staying ahead of the curve in drought management.

Farmers should stay informed about the latest advancements in agricultural practices, water-efficient technologies and drought resistant crop varieties.

Submitted photo

According to the Minnesota Department of Natural Resources, Meeker, Renville and Kandiyohi counties are not in a drought as of Dec. 26, 2023. However, the eastern edge of McLeod and Carver counties are considered to be abnormally dry.

Creating a farm succession plan

Are you ready to pass the family farm to the next generation?

As family-owned farms navigate the ebb and flow of generations, they have to cultivate the art of succession planning.

Ensuring a smooth transition to the next generation preserves the legacy of the farm and sets the stage for continued success.

Farm succession planning is not merely a legal formality; it is a dynamic and ongoing process that requires adaptability and foresight.

PRESERVING A LEGACY

Family-owned farms are not just businesses; they are living legacies woven into the fabric of generations. Succession planning safeguards the hard work, traditions and values embedded in the farm, allowing them to flourish and evolve under the stewardship of the next generation.

Initiate conversations about succession early and maintain open lines of communication. Discussing the future of the farm, roles and responsibilities helps align expectations and prevents misunderstandings. Encourage active participation and input from all family members involved.

of succession planning, ensuring a comprehensive and legally sound strategy.

Formalize the succession plan in writing. Clearly outline roles, responsibilities and decision-making processes. Having a documented plan not only provides clarity but also serves as a reference point for resolving any future disputes.

Address the issue of fairness when distributing assets and responsibilities among heirs.

Consider non-farming children and their interests, and aim for a solution that is perceived as fair by all family members.

Facilitate a structured training program for the successors. Ensure that they acquire the necessary skills, knowledge and experience to successfully manage the farm.

Mentorship programs and on-the-job training can be instrumental in this process.

FINANCIAL PLANNING

Evaluate the farm’s financial health and develop a plan for financial continuity. Consider tax implications, estate planning and potential sources of funding for the transition. A well-thought-out financial strategy mitigates risks and ensures the farm’s economic sustainability.

Anticipate unforeseen circumstances by incorporating contingency plans into the succession strategy. Consider factors such as unexpected health issues, economic downturns or changes in the agricultural landscape to maintain resilience in the face of uncertainty.

GRADUAL TRANSITIONS

Clearly define who will take on leadership roles in the next generation. Consider factors such as skills, passion and commitment. A comprehensive understanding of each successor’s strengths and aspirations aids in allocating responsibilities effectively.

CREATING A PLAN

Seek guidance from professionals, including financial advisors, attorneys and agricultural experts. These individuals can provide valuable insights into legal, financial and operational aspects

If you’re looking for the best results, consider a phased handover that allows the next generation to gradually assume responsibilities while benefiting from the guidance and experience of the current generation. This approach promotes a smoother adjustment for all parties involved.

The transition from winter to spring brings unique challenges and opportunities for livestock care

As spring breathes new life into pastures and barns, livestock owners are presented with an opportune time to focus on the health and wellbeing of their animals.

The transition from winter to spring brings unique challenges and opportunities for livestock care.

Prioritizing the health and wellness of your livestock sets the stage for a productive and thriving season. Incorporating best practices into a livestock management routine ensures that animals weather the challenges of spring and flourish in an environment that promotes their health and vitality.

needs of your livestock and tailor a vaccination plan accordingly. Ensure vaccinations are up to date to protect against common diseases prevalent during warmer months.

Warmer temperatures create favorable conditions for parasites. Implement a strategic parasite control program to safeguard livestock from internal and external parasites.

Regularly deworming and monitoring for signs of infestation are essential components of a comprehensive health strategy.

Spring marks an ideal time to revisit and update vaccination schedules. Consult with a veterinarian to assess the specific

Adequate pasture management is crucial for promoting livestock health. Rotate pastures to prevent overgrazing, which can lead to nutrient deficiencies and soil degradation. Monitor grass growth and ensure a balanced diet by providing access to different grazing areas.

Evaluate the nutritional needs of your livestock and adjust feed accordingly. Spring is a critical period for lactating animals and growing young stock. Ensure access to high-quality forage, and supplement with appropriate feed to meet the increased nutritional demands.

Spring grass may not always provide all the necessary minerals for optimal livestock health. Supplementing with mineral blocks or feed additives can help address any deficiencies and support overall wellbeing. Consult with a veterinarian to determine the specific mineral needs of your livestock.

tion scores, observe behavior and check for signs of lameness or discomfort.

Early intervention can prevent the escalation of health issues.

Implement biosecurity practices to prevent the introduction and spread of diseases.

Quarantine new animals before introducing them to the herd, practice proper sanitation and limit the movement of people and equipment between different livestock areas.

As temperatures rise, pay attention to hydration. Ensure constant access to clean, fresh water for your livestock. Regularly check water sources for cleanliness and functionality to prevent dehydration, especially during warmer days. Conduct regular health checks to detect any signs of illness or distress early on. Monitor body condi-

Minimize stressors during spring, as animals may be particularly sensitive during this season. Consider gradual changes in diet, avoid overcrowding and provide adequate shelter to protect against sudden weather changes.

Collaborate with a veterinarian to develop a comprehensive health plan tailored to the specific needs of your livestock. Regular consultations with a professional can help identify and address potential health issues before they become major concerns.

Looking for a quick, easy and tasty skillet meal?

Consider One Skillet Polka Dot Lasagna.

Eaters Collective on unsplash.com

One-skillet meals are convenient and thrifty

I’m sharing some one-skillet recipes that are perfect when you need to get supper on the table quickly. The ingredients are common ones that you probably have or are reasonable in price. I have a hard time dealing with the increased grocery prices, so I am sharing practical recipes that you can make for your family.

You can make a skillet lasagna if you don’t have time to layer a regular lasagna recipe. In less than 30 minutes you will get all the flavors of lasagna. The pasta doesn’t have to be cooked separately, as it gets cooked in the skillet with the sauce and meat. The ricotta cheese filling goes on top of the cooked pasta. You can substitute drained cottage cheese for the ricotta cheese, use ground beef for meat and broken lasagna noodles for bowtie pasta.

ONE SKILLET POLKA DOT LASAGNA

Ingredients:

1 pound ground mild Italian sausage

1 teaspoon garlic powder

1 teaspoon onion powder

2 cups pasta sauce

2 cups bowtie pasta, uncooked

2 cups water

pinch red pepper flakes

3/4 cup shredded mozzarella cheese

1/2 cup ricotta cheese

1/4 cup parmesan cheese

1 egg

1 teaspoon basil, dried

2 tablespoons all-purpose flour

1/2 teaspoon salt

1/8 teaspoon black pepper

Instructions: Brown the ground sausage in a large skillet and drain any excess fat. Return the skillet to

the stove and add the garlic powder, onion powder, pasta sauce, pasta, water and red pepper flakes. Stir to combine, then bring to a boil. Reduce heat to low and simmer, covered, for 18 to 20 minutes or until pasta is tender. meanwhile, combine the mozzarella, ricotta, parmesan cheese, egg, basil, flour, salt and pepper in a bowl and stir to combine. Scoop large dollops of the cheese mixture on top of the cooked pasta in the skillet, taking care to space them out. Cover skillet with the lid and cook an additional 5 minutes, or until the cheese mixture has set. Yield: 6 servings.

This is another easy, tasty skillet recipe that can be ready in less than 30 minutes. You could use small pasta instead of the rice and add ½ cup of tomato sauce if you want more flavor.

ITALIAN RICE AND BEEF SKILLET

Ingredients:

1/2 cup onion, diced

1 pound ground beef

15-ounce can diced tomatoes

1 1/2 cup mixed veggies

3/4 cup white rice

2 cups beef broth

1 teaspoon dried oregano

1 teaspoon garlic salt

1/2 teaspoon dried basil

1/2 teaspoon pepper

1 1/2 cups mozzarella cheese

Instructions: Brown the ground beef and onion in a large skillet until no longer pink, drain any excess fat. Return skillet to stove top and add in the tomatoes, mixed vegetables, rice, beef broth, oregano, garlic salt, basil and pepper, Stir until combined and bring to a light boil. Reduce heat to a simmer, cover and let cook until rice is tender (about 17 minutes). Fluff rice with fork and top with mozzarella cheese. Cover with the lid for about 3 minutes to let cheese melt. Sprinkle with parsley to garnish. Yield: 6 servings.

— Bev Barrett is a retired family and consumer science teacher who lives in Litchfield and operates the 4B’z Event Center in Litchfield. Her Baking with Bev column appears in the Independent Review every other week.

Beverly BARRETT

BAKING WITH BEV

wanttodig! 32 | SPRING AGRICULTURE / February 2024 Hutchinson Leader/Litchfield Independent Review

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