OFN February 10, 2020 by Eric Tietze

FEBRUARY 10, 2020 • 32 PAGES

VOLUME 13, NUMBER 16 • WWW.OZARKSFN.COM

Farm Finance • Animal Health • Production Sale

Building on Success The Frouds continue with the legacy established by the late Lee Froud

FEBRUARY 10, 2020

Energy Needs to Battle the Cold

An Unlikely Cattleman

Dutch Hoggatt traveled the world, but finds Searcy, Ark., and his small cattle herd relaxing

Making the Best Use of Forages Bell Rule Genetics finds great success with rotational grazing and Senepol genetics

Pregnant and lactation cows have different needs in the winter months The Ozarks’ Most Read Farm Newspaper

rumor mill

Oklahoma team named reserve champion: The 4-H meats team from Porter, Okla., took the reserve championship at the National Western Stock Show Meat Judging competition in Denver, Colo. Members of the team included Kinzee Todd (fourth-high individual), Laura Lumpkins (fifth-high individual), Andrea Rush (eighth-high individual) and Allie Brown.

The Ozarks Most Read Farm Newspaper

FEBRUARY 10, 2020 | VOL. 13, NO. 16

JUST A THOUGHT 3 Jerry Crownover –

Wood passes away: Forrest L. Wood of Flippin, Ark., passed away on Jan. 25, at the age of 87 after a brief illness. Forrest and his wife Nina founded Ranger Boats and established an extensive family cattle ranching operation in Flippin.

A costly free calf

Grant applications being accepted: The Arkansas Department of Agriculture and Farm Credit are partnering again for the fifth annual Arkansas Farmers Market Promotion Program and the Arkansas Farmers Market Bag Program. These programs, which are administered by the department and funded by Farm Credit, help build awareness of farmers market locations and offerings. Farmers Market Promotion Grants may fund the following promotional items to build community and regional awareness for a specific farmers market: signage listing names, seasons, times of operation, and location details; local advertising including print, radio, and television media projects; and social media campaigns. Go to https://www.agriculture.arkansas.gov/farmers-market-programs for more information. Applications are due March 2. Couple makes donation to OSU: Oklahoma State University and alumni Kayleen and Larry Ferguson announced a $50 million gift from the Ferguson Family Foundation. Pending approval from the Oklahoma A&M Board of Regents, the College of Agricultural Sciences and Natural Resources will be renamed the Ferguson College of Agriculture in recognition of the gift, which is among the largest in OSU’s nearly 130-year history. The funds will create a $25 million endowment for the college’s operations and designate $25 million to kick-start a fundraising campaign for an innovative research and teaching building. Through the New Frontiers campaign, the university seeks to raise $50 million in private support for the planned $100 million teaching and research facility, with construction beginning in the spring of 2021. The Fergusons have already begun transforming agricultural programs at OSU through their contributions to the Ferguson Family Dairy Center. A final thought: “Cultivators of the earth are the most valuable citizens. They are the most vigorous, the most independent, the most virtuous, and they are tied to their country and wedded to its liberty and interests by the most lasting bonds.” – Thomas Jefferson

Know a Good Rumor?

Jody Harris – The faint signs of spring

Julie Turner-Crawford – Fake meat is here to stay

MEET YOUR NEIGHBORS 7 Dutch Hoggatt is an unlikely cattleman

8 10

OzarksFarm @OzarksFarm

Do you have a rumor you would like to share with our readers? Mail them to: PO Box 1514, Lebanon, MO 65536; fax them to: 417-532-4721; or email them to: editor@ozarksfn.com

Ozarks Farm & Neighbor • www.ozarksfn.com

Bell Rule Genetics move to rotational grazing and Senepol cattle

The Winey Grove HE Club still serves the community

Eye on Agribusiness spotlights Tulsa Feed

Town & Country features Buck Willhour

The Frouds continue a legacy of success

Youth in Agriculture highlights Lauren Koch

FARM HELP 14 Little changes

can have big results

15 18

A little strategy is key

19 20

Being prepared

What your credit report shows

Time to update financial statements What you need to know about construction loans

FEBRUARY 10, 2020

just a

thought

What’s On Your Mind, Ozarks?

Life Is Simple

’ve always said that there’s a million ways onwoLiving rC yrrein J yB to make money on therevfarm. the greatest country on earth, freedom to choose what we do and when we do it, and Jerry Crownover is beneficiaries of a booming economy, all afa farmer and former ford us great opportunities, thus… professor of Agriculture In September of last year, one of my neighbors Education at Missouri called to see if I might help him with a cow that State University. He is a was having calving problems. When I arrived, I native of Baxter County, could see only the nose and one foot at the busiArkansas, and an ness end of the bovine. It was an unusually hot author and professional day and after a couple of attempts to drive her to speaker. To contact Jerry, the barn, we decided to sedate her, in the shade go to ozarksfn.com and of a small grove of trees. Working together, the click on ‘Contact Us.’ neighbor and I managed to retrieve the other foot, and pull the bull calf to freedom. Both cow and calf were soon back to normal and everyone was good. Five days later, the same friend called again and asked if my wife, Judy, wanted a free calf. He went on to tell me that the cow we had assisted in calving, for whatever reason, had abandoned the calf and wanted nothing to do with it, and he didn’t think he could save it. Always up for a challenge, Judy agreed, and I went and brought the calf to our home. Suffering from hunger and dehydration, my wife worked tirelessly for 10 days, nursing the little guy back to health. He required a feeding tube, utilized at three-hour intervals, for the first few days, but was sucking from a bottle and doing fine by the end of the second week. For the next three and a half months, the calf lived and thrived (mostly) in a pen in the barn, that we usually reserve for orphans and ailing critters. However, since calving season is fast approaching, and I fully expect to need his pen for other animals, I sold the calf last week at the cattle auction. It brought a whopping total — Continued on Page 6

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Eric Tietze Publisher

Administrative Kathy Myers, Marketing Manager Eric Tietze, Accounting Advertising Pete Boaz, Display & Classified Sales Kathy Myers, Production Sales Circulation Eric Tietze, Circulation Editorial Julie Turner-Crawford, Managing Editor Jerry Crownover, Columnist Jody Harris, Columnist Production Amanda Newell, Production Contributors Lance Albin, Greg Benton, Kelli Joe Buettner, Larry Burchfield, Kathy Daily, Erin Harvey, Klaire Howerton, Ken Knies, Kathy Parker, Chad Pittillo, Jordan Robertson, Terry Ropp and Brian Watkins.

About the Cover The Froud family has a long tradition in the cattle business, starting when Lee Froud made is way to Greenland, Ark. See more on page 22. Photo by Terry Ropp Ozarks Farm & Neighbor accepts story suggestions from readers. Story information appears as gathered from interviewees. Ozarks Farm & Neighbor assumes no responsibility for the credibility of statements made by interviewees. © Copyright Ozarks Farm & Neighbor, Inc., 2020. All rights reserved. Printed in USA.

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just a thought

Freshly Picked By Jody Harris

eing cooped up in the house is no fun during the winter. We have had a couple of very sick kids this past month. After the third Jody Harris is a freelance trip to our local pediatric clinic, I decommunications specialist, cided it was time for some fresh air and sunshine gardener, ranch wife and – no matter what the temperature was. mother of four. She and This past Saturday, the boys took off with their her family raise Angus beef dad to do some dirt work up at our business office cattle and other critters on for the day. They came home dirty and tired, but their northwest Arkansas they enjoyed being outdoors and helping their ranch. She is a graduate dad “work” while they played. of Missouri State University. My youngest daughter and I saddled up a couple To contact Jody, go to of horses and went trail riding all around Round ozarksfn.com and click on Mountain. The fresh air was good for our souls ‘Contact Us.’ and the horses seemed to enjoy the exercise. These are days for the memory books. The following day the sun was shining, and the weather was beautiful. After church, the kids packed up a picnic lunch and disappeared for several hours. When they came home, they were full of stories about all the places they had explored on our land. They’d been to a place called the “fish rock” for their picnic. I’m pretty sure that it is located at the top of the hill behind our house. They’d tromped through the muddy edge of our little creek on a hike. They went up to “dead calf mountain” (probably near the brush pile we’ve started piling up near the edge of our property) and dug through some old bottles that had been dumped by someone. They rode their motorcycles and Razors until they had snot bubbles coming out their noses. They revisited their swing set and playhouses, only coming back to the house to get a broom to straighten things up for their play space. They fed horses and played with the dogs until the sun was about to go down. It was a perfect day to smoke some chickens in the smoker and take time to prepare a Sunday feast for my family. By the time they made it back to the house they were all dirty and starving. They hustled around to get cleaned up for supper. The dinnertime talk was them regaling tales of their exploration and adventures. Days like this are the happiest ones. In a world where electronics and video games are the easiest way to entertain kids, I’m so grateful for this farm. It’s truly a fight against our culture to get kids off their screens to play outside. I know there is a saying, “a day in the country is worth more than a month in town.” I take this to heart all the time when I shoo my children outside to play, explore and just simply use their imaginations to entertain themselves and their little friends. As my husband was cleaning leaves out of our flower beds this past weekend, the bulbs were beginning to pop up out of the ground. I love seeing signs of spring up ahead. I don’t know about you, but I’m looking forward to warm days, digging in the dirt and playing outside, neighbor.

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Ozarks Farm & Neighbor • www.ozarksfn.com

FEBRUARY 10, 2020

just a thought

Across the Fence

By Julie Turner-Crawford

here was an interesting conversation around my dining room table recently. My dad was there for lunch, and he made the comment he was hungry because he Julie Turner-Crawford hadn’t eaten breakfast. is a native of Dallas He planned to grab a bite that morning while County, Mo., where she feeding cows, but he changed his mind when he grew up on her family’s saw the sign advertising the new fake meat options farm. She is a graduate at the local fast food joint. of Missouri State “Well, we’re never eating there again,” my husUniversity. To contact band Bill chimed in. “This is cattle country.” Julie, call 1-866-532-1960 I hate to tell my father and husband, but plantor by email at editor@ based, meat-like substances are here to stay – even ozarksfn.com. in cattle country. Plant-based products are quickly making their way into grocery stores and fast-food chains across the country. In 2016, Whole Foods became the first retailer to sell Beyond Meat “burgers,” and it quickly became the top-selling packaged “burger” in Southern California, according to Ethan Brown, chief executive officer and co-founder of Beyond Meat. I see television commercials for Beyond Meat products, as well as other brands, promoting these plant-based foods more than ever, yet very little, if anything, prompting the animal agriculture industry. The iconic deep, gravely, Southern drawl of actor Sam Elliott saying “Beef… It’s whats for dinner,” has been absent from the airways for decades. What happened to our professional athletes sporting milk mustaches, asking the question, “Got milk?” Any given day, an estimated 80 percent of all U.S. consumers came into contact with that question, according to an article published on the website fastcomany.com. Who does Beyond Meat have pitching its product? Rapper Snoop Dogg and the company, which started in 2009, is making billions. Among those Brown counts as investors/partners in his company are the Humane Society of the United States, Bill Gates and the University of Missouri. — Continued on Next Page

Desserts

Frozen Pumpkin Pie

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Directions: Combine all ingredients and mix well. Pour into a baked pie shell. Top with pecans and freeze. To serve, dip knife into hot water, then cut the frozen pie.

Know a Good Recipe? Send in your favorite recipe to share with our readers. Mail them to: PO Box 1514, Lebanon, MO 65536; fax them to: 417-532-4721; or email them to: editor@ozarksfn.com

FEBRUARY 10, 2020

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MorningStar Farms, which is owned by Kellogg, launched a line of “readyto-cook plant-based burgers” and fully prepared plant-based “Chik’n” tenders and nuggets. The supermarket chain Kroger has plans for a line of plant-based products called Simple Truth, pitching plantbased burgers, cookie dough, pasta sauce, sausage, deli slices and more. Kroger also sells Just Egg, a plant-based liquid egg substitute made from mung beans. Conagra and Hormel Foods are also joining the bandwagon. Fake meat is here to stay, but livestock producers must find a way to keep a foothold with consumers. If we don’t, we could be replaced someday. Meanwhile, I will stick to being a second-hand vegetarian, and keep real beef, pork and poultry on my table.

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We say consumers are simply uneducated when it comes to real meat vs. the fake stuff, but what are we doing to educate them? How are we sharing agriculture is not causing climate change and animals are not being tortured for the sake of a dollar? Unfortunately, self-promotion and consumer education is an area where the agriculture industry, I feel, is lacking. We have many great organizations working to promote U.S. agricultural products around the world, but are we missing the boat here at home? Beyond Meat is not the only company looking to get into the meat-free meat market. Tyson Foods purchased a 5 percent stake in Beyond Meat in 2016 but sold its shares in April 2019 to make its own plant-based products. It’s since launched Raised & Rooted, a line of products which includes vegan meat alternatives, as well as ones that blend meat and plant-based protein. Tyson also recently announced its venture capital arm, Tyson Ventures, is investing in a plant-based shrimp company called New Wave Foods to crate plant-based “shrimp” from plants such as seaweed and soy protein.

Life Is Simple Continued from Page 3 of $358.75 (before sales commission). For the three and a half months we owned the little critter, he went through three bags of milk replacer at $38 per bag, four bales of hay at $6 per bale, and 300 pounds of grain at $16 per hundred. At two months of age, he contracted a joint infection that required me to haul him to the local veterinarian, where the diagnosis and treatment

Ozarks Farm & Neighbor • www.ozarksfn.com

came to a total of $120 (not including the gas to get him there and back). The total expenses of raising the calf came to $306, yielding a net profit of $52.75 on a free calf. Estimating the number of hours that both Judy and I spent with the calf, I calculate the return for our labor to be in the neighborhood of 75 cents per hour. Life is good.

FEBRUARY 10, 2020

meet your

neighbors

An Unlikely Cattleman By Larry Burchfield

Dutch Hoggatt traveled the world, but finds Searcy, Ark., and his small cattle herd relaxing Being from Arizona and going to college in Texas, one would think Dutch Hoggatt grew up around cattle, or at least had some exposure to cattle farming. Not so. Until 2008, raising cattle was the farthest thing from Dutch’s mind, and the process of getting into the cattle business was opposite of how most folks get into the business.

‘You don’t know anything about raising cows.’ I said, ‘I know but I can learn.’ So, I got on the internet, talked to folks and bought my first set of cows in 2008.” Dutch has made a large circle from his home state of Arizona to Arkansas. He grew up in Arizona, graduated Abilene Christian University, and received his doctorate in communications from Ohio State University. Over the years Photo by Larry Burchfield

Dutch Hoggatt had no experience with cattle, but got into the business in 2008. He runs a small herd of Angus and Herefords.

Dutch and his brother bought a tract of Dutch has worked as a television news land just outside Searcy, Ark., in 2006. producer, reported and anchor for stations in West Texas. His eduThe land had some pasture cation and experience have and a large pond. After a provided the opportunity to couple years, Dutch decided Searcy, Ark. produce documentaries in Ishe wanted to buy some cows rael, Greece, Turkey and Engand start a herd. land. After teaching for 16 years “I called my brother and at Abilene Christian Dutch and told him what I was thinkhis wife Sharon moved to Searcy, ing,” Dean recalled. “He said, FEBRUARY 10, 2020

where he joined the communications department at Harding University and teaches media, audio and radio production courses, advises media production majors and manages Harding’s radio stations. “Raising cattle is a far cry from teaching in a college environment,” Dutch said. “But it is sure relaxing and provides a great escape to just get away and relax for a while. I’m not a cowboy by any means. I really enjoy it out here.” Dutch is quick to point out his cattle operation is really a hobby. The farm could handle more cattle than the current 10 head, which are a mixture of Herefords and Angus, but with a small herd the investment in equipment is minimal. A tractor, ATV and livestock handling equipment is the extent of the equipment inventory. “I sold my cattle off last year so I wouldn’t have to feed them over the winter,” Dutch said. “But this year I had a good hay crop, so I had it cut and I have a good supply of round bales.” The Arkansas Cattle Auction also provides Dutch a brief retreat from his university duties and allows him to keep up with the market. “I really enjoy going to the sale and just watching all the cattle come through,” Dutch said. “I’ve learned a lot by hanging around the sale.” While Dutch takes some individual pleasure being out on the farm and raising cattle, it is also a major gathering place for his family. The farm provides an excellent opportunity for the whole family, three grown daughters, their spouses and the grandkids to enjoy the outdoors with fishing and riding atvs. The kids and grandkids have not taken to the cattle like Dutch, but they are working on it.

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Making the Best Use of Forages

By Kathy Parker

Bell Rule Genetics finds great success with rotational grazing and Senepol genetics Bell Rule Genetics in Mayes County, Okla., is a 100-year-old family cattle operation. The ranch strives to produce the highest percentage of quality meat for the least cost. One method Dean Schneider and his nephew Brandon Fix use to achieve that goal is intensive rotational grazing. One of their rotational plots, 20 acres,

recently begun to feed hay for the first time this winter. “Generally it’s a day’s grazing and move them daily, but even if you have a job in town and can only move the cows on the weekend, it will still work well,” Dean said. He said recent studies show 80 percent of grass is used when grazing is limited to Photo by Kathy Parker

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The Schneider family has been in the cattle business for more than 100 years. Bell Rule Genetics in Adair, Okla., is operated by Dean Schneider (left), his wife Marti, son Jasper and nephew Brandon Fix.

fed 60 pairs for 45 days on millet and haybeans. A rain this year made the forage too mature to bale. Dean said he put down the wings of the mower and mowed strips that Brandon fenced off with hot wire. The pairs were left for one or two days on each strip. Turns out the cattle “ate it up.” “There was no baling cost and it saved our grass,” Dean said. Brandon said with planned and limited grazing, the ranch has only

Ozarks Farm & Neighbor • www.ozarksfn.com

a specific area, compared to 30 percent when cattle are left to room large pastures. “When you limit the area to the green for protein, it’s like a supplement,” Dean said. While some labor is involved to put up the electric tape, Brandon said he can put up a quarter mile Adair, Okla. in about 10 minutes. He said once a person perfects the right way to put up the electric fence, it is quickly accomplished. FEBRUARY 10, 2020

meet your neighbors “Weeds are interesting,” Dean said. “We follicles than the Angus, even though come from farm country and it’s born and the hair has mutated to be slick. bred in us to spray weeds. By moving cows “Their temperature will be about two (in rotation) they eat the weeds, too, and degrees lower in the sun,” Dean said. lots of weeds will bring up needed minerThe Senepols are red and resemble als because they have a tap root system. Santa Gertrudis in appearance. BranAnd because different plants use different don has photos of Angus and Senepol in things from the soil, a diversity of plants the same pasture when it was very hot will out produce a monoculture.” last summer. The Angus cattle are laid Brandon said the cows will eat weeds up under the trees in the shade and the better when confined with daily moves Senepols are in the sun grazing. and they will strip the leaves off some Bell Rule’s end goal is to raise commerof the worst varieties such as cockleburr. cial cows that are quarter-blood Sene“They won’t eat what makes them pol. They have an F1 generation of half sick,” Brandon said. “This whole deal is Senepol half Angus on the ground now. based before man became involved.” “We’re in the business of raising comIt must be working. Bell Rule averages mercials bulls,” Schneider said, although selling calves at 550 pounds that have they have registered Angus bulls for sale had no creep. also. The price range Rotational grazing is generally $2,500 is what prompted the to $3,500. The ranch ranch to get into Sehas a field day where nepol cattle. When buyers can look at the pastures were and purchase the fenced off in strips, bulls. All will be sethat left some times men tested. That where there was no doesn’t mean the • 1,700 Acres shade available. The ranch will not sell black Angus cattle private treaty any • 300 Commercial were getting heat time. The field day Cows stressed in some of bulls will be offered • 150 Registered these situations, so at 18 months old. the hunt began for a Bell Rule is 1,700 Cows heat-resistant breed acres and runs 300 • Registered Angus to cross on the Ancommercial and & Commercial gus and increase their 150 registered cows. heat resistance. Some of the calves Bulls Offered “We researched all are fed out on the the African breeds,” ranch anywhere from Dean said. 45 days to ready to butcher, depending on As it turns out, most African-origin the market and feed costs. Yearlings that breeds are Bos taurus genus and species are fed to slaughter weight are sold to Naas common English breeds are, and not tional Beef in Dodge City, Kan. Bos indicus like Brahmans. The biggest Now that they are breeding toward the difference between Bos taurus and Bos quarter Senepol cross, Brandon said the indicus are sweat glands, but adaptabil- ranch may keep all the heifers from this ity to heat and insect resistance is more calf crop, because “eye appeal is not necthan just sweating. essarily the best culler,” Brandon said. Senepol cattle were developed on To increase forage rates, Dean has the island of St. Croix in the 1950s. drilled sorghum, mungbeans, millet and N’Dama cattle were mixed with Red other crops into stubble on the pasture. Poll. The N’Damas are European tarina Right now he is trying triticale. zebu cattle which have high heat tolThings change in the cattle business. erance and insect resistance. They are At Bell Rule Genetics, the family strives docile and good meat and milk produc- to keep up with those changes by educaers. Dean said Senepols have more hair tion, experimentation and hard work.

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Intermediate, Innoc. 50 WHITE CLOVER, “Nitro” White Dutch

25 50 50 50

90% 4.08 3.88 90% 3.12 2.92

WHITE CLOVER - Durana ASK Coated 65% Pure

ALSIKE, Perennial SWEET, Yellow Blossom ARROWLEAF, Yuchi

90% 2.98 2.78 88% 1.74 1.54 2.62 2.42

Yuchi, Winter Annual, 99% Pure

50 CRIMSON, Winter Annual

90% 1.58 1.38

ALFALFAS

60 COMMON SENSE, Inoc., Not Coated 3.06 2.86

3-Way Blend, Liberty, Haygrazer & Cimarron VL400 50 GENUITY, Roundup® Ready 7.48 L446RR Coated, 65% Pure 50 HAYGRAZER, Cert. 90% 2.96 Inoc., Not Coated 50 CIMARRON, VL400 90% 2.96 Cert., Inoc., Not Coated

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Bag Lb.

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64 HAYMASTER OAT, Forage/Tall, 2 BU/bag 10.95 10.95 64 HORSEPOWER OAT, 2 BU/bag Grain-Type

50 SOYBEANS - LAREDO, Hay Type 36.45 29.95 50 SOYBEANS, 3’ Tall-Harvest

R-Ready® Willcross WXR7484

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50 KY-31 90% 1.14 50 KY-31 & 13% ORCHARD GRASS MIX 87% 1.18 50 KY-32, Certified & Endophyte-Free 90% 1.66 50 FAST PASTURE MIX Cattle/Horse 90% 1.68

63% Endophyte-Free KY-31 Fescue, 14% Hulled Orchard Grass, 19% Best-For Plus Ryegrass & 4% Timothy 25 BAR OPTIMA E34, Friendly Endophyte ASK

25 MAX Q II TEXOMA, Friendly Endophyte ASK 25 ESTANCIA, Friendly Endophyte ASK

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SAVE YOUR SEED SAMPLE

SUBJECT TO PRIOR SALE

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nixahardware.com

Nixa Hardware Company warrants to the extent of the purchase price that seeds sold are as described on the container within recognized tolerances. Seller gives no other or further warranty expressed or implied. Prices/Germination subject to change without notice. We reserve the right to limit quantities.

The Ozarks’ Most Read Farm Newspaper

roots Still Helping the Community

ozarks

the people, places and traditions that make the ozarks home

By Terry Ropp

For 75 years, the Viney Grove HE Club has been giving to others in a variety of ways The Viney Grove HE (Home Extension) Club celebrated its 75th year in 2019. The club meets every second Tuesday at 10 a.m. in the Viney Grove Community Center in Pairie Grove, Ark. The building has an even longer history having served as a lower and upper elementary school until Viney Grove consolidated with Prairie Grove in the late 1940s when the historic building was given to the men of Viney Grove. Originally, the long building was divided in half by huge doors with the library having an entrance on each side so both the lower and upper elementary students had access. The library evolved into the current kitchen, a very busy place in the community building. The difference between the club and other University of Arkansas Home Extension Services is that the main function of the club is philanthropic and strives to provide help for local residents in a variety of ways. “Our goal is to fill community needs through group and individual projects that help others,” explained member Virginia Vafakos. “We also help each other whenever someone is ill, recuperating from surgery or coping with loss. In the long run, each of us helps herself by being part of a close knit and active group of women.” Philanthropy efforts include collecting wet pet food for the Prairie Grove Pound, donating food and hygiene items to the Viney Grove Methodist Church outside food pantry, providing funding to the Angel Wing program (which provides money for students without money to purchase a lunch in the Prairie Grove schools – donations of food, books and club-made blankets), volunteer for the VA in Fayetteville, Ark., and snacks and bottles of water for the local Ronald McDonald Houses. A particular favorite effort is crocheting infant red

hats for the Red Hats/Big Hearts section of the American Heart Association. The hats are intended for preemies and other infants, often with heart issues. The hats are given to the association, which then professionally cleans them so they are safe for the vul-

“I discovered my mother, Reba David, was very detailed oriented,” Sondra said. “She stuck to parliamentary procedure far more than we do now and identified specific activities including the names of the women involved, using their first names.

nerable little ones. In honor of the 75th anniversary, president Phyllis Ulm pulled out all of the old records and gave them to secretary Sondra Frank to study. The club began about 50 years after the University of Arkansas Extension program began in 1905. This ladies organization first met in the home of one of the charter members, though soon a rotation began among members’ homes until the men who received the donation of the old school welcomed the organization. During her research, Sondra pulled her mother’s secretary minutes when she was secretary in 1956.

Now my daughter is also a member so three generations of my family have belonged.” Some of the activities of the early organization include serving a hamburger lunch at farm estate auctions, using a special recipe to make the hamburgers. To raise money, the women baked pies to sell from one piece to a whole pie, and they were always a big hit. The same food was available at a club booth at the Washington County Fair where members also entered quilts and food entries in the home economics division. Member Jane Gayner enters quilts at the fair now. Quilting is another club activity. Vir-

Photo by Terry Ropp

Ozarks Farm & Neighbor • www.ozarksfn.com

ginia has some of the old frames with pegs that hang from the rafters and retract when not in use. According to Virginia, when the club started during World War II, everything was in short supply. Quilts were made by cutting a quilt-sized patch out of newspaper. Then scraps were pieced together to make the patch with the newspaper being torn off the back when the quilt piece was done, that was the beginning of the concept of “crazy” quilts. Another common older style is “name” quilts. They were constructed with large squares and had people’s names on them, sometimes commemorating soldiers lost in war or club member names. The group still makes quilts and gives them away where needed. Another member, Victoria Rose, is teaching the group how to make T-shirt quilts. These quilts are often a loving memento of someone who has passed. An annual fundraiser is serving a Christmas party dinner for an antique car club. The ladies go all out and prepare a traditional turkey dinner, including dressing, sweet potatoes, homemade yeast rolls and, of course, pies. The club currently has nine members, most in their 70s and 80s. Phyllis, who was surprised to discover she had been elected president after missing two meetings due to illness, believes the interaction between the women is as important as the charity work. In addition to their monthly business meeting, they eat at restaurants. They also have a secret sister program. Gifts are given throughout the year, which culminates at a Christmas party. Then in the January meeting, the secret sisters are revealed and new ones drawn. “We are always looking for new members,” Phyllis explained. “Our club’s purpose is to help others but it’s also supportive and fun.” FEBRUARY 10, 2020

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The Ozarks’ Most Read Farm Newspaper

eye on Broken Cedar Saanen Dairy Goat Farm Located in Northwest Arkansas, our herd of high quality registered Saanen dairy goats has been in development for 10 years. We offer for sale excellent milking does, yearlings, kids, and breeding bucks.

Our bloodlines….

Introducing our new Junior Buck Sire, purchased from Rebekah Clarke of Willows, CA. STARLET LACE SIBER LEBEN. His Dam and Maternal Grandma were among the top five U.S. Saanen milkers in 2018. Will have kids from him later this spring. • Caprikorn Farms, Gapland, Maryland www.caprikornfarms.com • Caprikorn Zurich Bing • Des-Ruhigestelle Saanens, Molalla, Oregon www.ruhigestelle.com • Des-Ruhigestelle Eedrick

(479) 236-6498

Email: ewailes@uark.edu www.brokencedarfarm.com

ANNUAL CATTLE

MINERAL SALE FEBRUARY 1 - APRIL 30, 2020

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agri-business meeting the needs of farmers

Tulsa Feed By Terry Ropp

Owner: Chuck Jefferson Location: Tulsa, Okla. History: The original Tulsa Feed opened in 1922 in a location close to the railroad. It had a full mill, and processed and mixed own feed. “As best as I can recall, I am the fourth owner,” current owner Chuck Jefferson said. “After managing a grocery store for 30 years, I wanted to change and to be my own boss, so I purchased the business. During my time in the original facility, I remodeled it as we have now done to Photo by Terry Ropp our new location, which is only a couple of miles from the old one. Everything changed late last year when the Burlington Northern Santa Fe Railroad decided to reclaim the land in order to add another track. After renovating the new facility to meet our needs, we are in good shape and welcoming well-known customer friends and making new ones. My five employees are moving with me to the new location and are central to my business. Because my turnover is very low, they know my customers. They seem to love helping and advising others in taking care of their animals as much as I do.” Products and Services: “If it eats, we feed it,” Chuck said. “One advantage of the new site is presenting an opportunity to expand what we offer in terms of brands and variety. In addition to providing food for the local animal shelter, we also supply everything but fresh meat to the Tulsa Zoo, which was a part of the business even before I purchased it. The bulk of my business is comprised of equine and pet customers, with our main feed brands being Mid-America Feeds, Purina, and Big V. To help our equine customers, we offer square bales in both prairie hay and north Kansas alfalfa. We have increased our horse tack, which includes bridles, halters lead ropes, etc. In addition, we offer a variety of equipment for many types of animals. For chickens, we carry waterers, feeders and incubators and round out our selections for other animals, including dog kennels, collars and harnesses, as well as rabbit cages and a variety of waters and feeders. Our cattle customers are provided with cubes and water troughs. We have an extensive array of necessary medicines and vaccines for all kinds of animals. Finally, in the spring we supply annual and perennial plants for gardens and beds.” Philosophy and Future: “A business like ours is dependent upon a personal relationship with our customers. Whenever possible, we call people by name and engage in social conversation about their lives, their animals and what we can do to help meet their needs. Consequently, my staff has a depth of knowledge of a wide variety of animals and their specific nutritional needs at various point in their lives. One plan for the future is that we hope to offer deer plot supplies for our many hunters. This is an exciting time with our new location providing easier access, and we look forward to expanding our business.”

Ozarks Farm & Neighbor • www.ozarksfn.com

FEBRUARY 10, 2020

town & Photo by Terry Ropp

country

in the field and in the office

400+ Beef Industry Relevant Bulls will sell in Seedstock Plus Sales this spring!! North Missouri Bull Sale February 22, 2020 * 12 noon Kingsville Livestock, Kingsville, MO 125 bulls! All 18 month old bulls! Gelbvieh & Balancers! ALL BLACK!!

Arkansas Bull & Female Sale March 7, 2020 1 p.m.

Buck Willhour By Terry Ropp

Family: wife Allison, and sons Will, 13, and Cutter, 5. Hometown: Inola, Okla. In Town: “I walked into RCB Bank in Inola, Okla., to borrow money just after I graduated from Northeastern State University with a degree in business. I talked to Larry Dalvine, who was sitting exactly where I am now. He suggested I send in a resume and six months later I had a job learning every department as part of my training. I am now market president of the Inola, Catoosa and Coweta branches, and have been based at the Inola branch since 2013. My wife Allison runs the farm fulltime, in addition to being a mom to our sons. I am a member of the Inola School Board and a member of the Inola Chamber of Commerce and the Education Enrichment Foundation.” In the Country: “My wife and I have been around cattle all of our lives. Allison was raised on a ranch and my father Rick had an Angus-based cattle ranch. We now have a fair-sized ranch outside of Inola with both Angus-influenced commercial cattle, and several breeds of registered cattle. I use Hereford bulls for natural breeding with my commercial herd. Our smaller fall calving season comes from good cows who skipped a cycle. We like spring calving because in the fall you are fighting the cold and poor forage, as well as higher feed and medication costs. The last couple of years we have used a certified preconditioning program with regimented health protocols. While we sell some calves at weaning, most are kept for 90 days afterward and fed with a four-way mix containing corn and distillers grain. Our registered cattle are Angus, Simmental, Charolais and Hereford. We breed them by AI, though some of our best commercial cows are bred by AI with Allison doing most of the research for semen selection. From the registered group, we sell show heifers and bulls. Our boys show heifers, with Cutter’s current heifer being a miniature Hereford. We do pretty well in the show ring, with one Charolais heifer winning her division at nationals in Tulsa. All cows receive 20 percent protein caked cubes and hay we raise ourselves, Bermuda and bluestem. Allison earned an animal degree at Oklahoma State University.” Future: “Our ranch is located on land that belonged to Allison’s family. The boys seem to really enjoy ranch life and our hope is they will be interested enough to continue the heritage ranch we love so much.” FEBRUARY 10, 2020

Hope Livestock Auction, Hope, AR 75 bulls! 2 year old and 18 month old bulls! Angus, Balancer & Gelbvieh! Red & Black! Select offering of Seedstock Plus Influence Females! Breds, Pairs & Opens!

RED Reward Bull & Female Sale March 14, 2020 * 12 noon

Wheeler Livestock, Osceola, MO 60 RED Gelbvieh & Balancer bulls! 18 months old & yearlings! Plus! RED Females!

South Missouri Bull & Female Sale March 28, 2020 * 12 noon

Joplin Regional Stockyards, Carthage, MO * 150 bulls! 18 month old bulls and yearling bulls! Angus, Gelbvieh & Balancers! Plus! Open heifers! ALL BLACK! • • • • • • •

Guaranteed Sight-Unseen Purchases! Let us help you find the bull to fit your program and needs! Free Trucking on every bull! No fine print! Extensive Data & Genomic EPDs! All bulls are coat color & polled tested & Sire Verified! All Bulls Are Semen & Trich Tested! 200+ RFI tested bulls sell in these sales! Videos of sale bulls on website the week before each sale! www.seedstockplus.com. or www.dvauction.com

ALL SALES! Bid & Buy at:

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john@seedstockplus.com

The Ozarks’ Most Read Farm Newspaper

FARM FINANCE

Small Changes, Big Results By Kathy Daily

Minor changes can save and make producers more money I’ve had the pleasure many times of hearing Danny Klinefelter speak at the Agricultural Bankers Conference. Klinefelter is a former professor at Texas A & M University and a legendary farm management guru. Klinefelter often spoke about the 5-Percent Rule in agriculture. What is the 5-Percent Rule? “A 5-percent increase in price received, a 5-percent decrease in costs and a 5-percent increase in yield will often produce more than a 100-percent increase in net returns. The effect is cumulative, multiplicative and compounding.”

In the example below it results in a 35-percent increase in revenue, which isn’t 100 percent, but $91 is still a substantial increase nonetheless. This is a reminder that it’s the little changes that add up to big improvements. If someone told you that you needed to increase revenue this year by 35 percent, you would probably think they just fell off the turnip truck. However, if they asked you if you could increase your price by 5 percent, you would probably think that’s achievable. This same 35 percent increase over a three-year span would produce more than a 100 percent increase in net returns.

Price increases can generally be achieved by making a plan and sticking to it. Set the price you need and make it happen! I encourage people to work with a grain marketer if possible. The biggest problem in marketing your crops is waiting for another increase. You just know the market has one more increase left, then it drops. Determine your operation’s breakeven, add a profit, set your price, and then sell when you get there. A grain marketer will keep you disciplined. Remember, 90 percent of the people at the coffee shop didn’t hit the high either. They just said they did. You’re not competing with your neighbors, you’re running a business.

% Rule $ $ Price 3.80 +5% 3.99 Yield 180 +5% 189 $ Revenue 684 $754 $ $ Costs 425 -5% 404 $ Profit/Loss 259 $350 Difference $91

Ozarks Farm & Neighbor • www.ozarksfn.com

I’m not an agronomist, so I’m not going to try to tell you how to improve your yield, but speak to someone who is and ask them for some suggestions. Farmers are very prideful and typically don’t like to ask for help, but we need to get over that and seek input from others. You know the farmers in the area whose crops always look good. Ask some questions and find out what they are doing differently. Maybe they are using a new drought-tolerant seed, or one that is inclined to grow faster and stronger. Ask your seed salesperson or the co-op what’s new and shows promise. Cost savings might be recognized from a variety of things: • More precision chemical application instead of treating the entire field •Taking advantage of prepaid discounts • Paying on time to avoid late fees • Getting updated quotes on property insurance on a routine basis • Keeping equipment longer • Purchasing in bulk with other producers • Refinancing higher interest rate loans • Limit the number of suppliers to get better pricing – ask for a quote and shop around The 5-percent rule is easy to remember. I find myself thinking about it often in my profession. Now think about how this rule would impact your business and the impact it would have if you did this over several years? Kathy Daily is the managing director of First Financial Bank’s Farm and Ranch Division. FEBRUARY 10, 2020

farm finance

Agriculture Plus Strategy By Ken Knies

FEBRUARY 10, 2020

Saturday, March 14, 2020

Ozark Regional Stockyards • West Plains, MO • 12:30 pm (CT)

Farmers and ranchers must be strategic thinkers and planners Strat-e-gy: A plan or policy designed to achieve a major or overall aim. In the military sense: A plan for military operations or movements during a war or battle. One more I really like: A method or plan chosen to bring about a desired future, such as achievement of a goal or solution to a problem. Regardless of how you define it, our farmers, ranchers and agribusinesses use strategy daily. Modern agriculture represents the classic need for strategic thinking and planning. Consider the variables involved in decision-making involving agriculture. Farmers face a wide variety of factors when making business decisions, including weather, forecasting, commodity prices, opportunity costs on one crop or product vs. another. Other variables include markets, trade issues, local factors, environmental concerns, financing options and neighbors. Given the sheer efficiency of ag producers, it’s amazing to consider all the options and variables involved in their decision-making and strategic processes. We can use this same process in our personal and business finance decisions. With the availability and ease of using the internet, we can make better financial decisions. Considering buying a truck or tractor? Here are some questions and considerations: n New or used n Cost vs. savings n Brand and size n Application and likely usage n Implements needed n Purchase or trade n Ease of use/who will use this n Buy or finance n Warranties n Local or distant purchase n Servicing when needed These and many more decisions often

112th Edition Consignment Sale “Where Good Angus Cattle and Great People Meet”

come automatically to our farmers and ranchers. That doesn’t mean they get ignored or receive less impact in the decisionmaking process. This is just an example of a regular occurrence for our farmer-producers. Setting goals is important. Just know there can be a close relationship between effective goal management and strategic thinking and application. One compliments the other. Another strategic concept involves the use of available resources as we strive to do our jobs and conquer new opportunities. The more we use all available resources as we take on a task or challenge, the better the result. One of the best ways to do this is to talk to others who have “been there, done that.” If you know a neighbor, friend or associate who has dealt with a similar problem or task, tap into that resource. The more we learn, the less likely we are of making the same mistakes. Most people are happy to share their knowledge and often their past mistakes in order to help us. What a great resource. No doubt you’ll return the favor in some other area when you can. I can’t overestimate the power of the internet as a resource. If you can think of it, it’s highly likely someone has identified a similar issue online. Use it, but not at the expense of ignoring the great people resources available next door or at a local farm store or dealership. There’s no better lesson than one learned the hard way. Let’s learn from others when possible. That in itself can be strategic. Ken W. Knies is an agricultural and rural consultant. He holds a bachelor’s of science and arts from the University of Arkansas and a master’s of business administration from Webster University in St. Louis, Mo. He formed Ag Strategies, LLC as a business unit focused on quality borrowers and lenders.

144 HEAD OF REGISTERED ANGUS CATTLE SELL 54 Bulls • 19 Fall Pairs 11 Spring Pairs • 4 Bred Cows 6 Bred Heifers • 20 Open Heifers Lot 27

Lot 84

Check out: heartoftheozarksangus.com

for additional information or to request a sale book, contact sale manager: Missouri Angus Association Julie Conover, General Manager • 734-260-8635 • julie@missouriangus.org

Mark your calendar for our Fall Sale on Saturday, October 17, 2020!

The 10.3 million dollar question How will you spend your Patronage Cash? We’re sharing $10.3 million in 2019 profits with our members, bringing our total to more than $129 million since 1997.

The Ozarks’ Most Read Farm Newspaper

myaglender.com

market sales reports

bulls

(Week of 1/26/20 to 2/1/20) Arkansas Cattle Auction Ash Flat Livestock Benton County Sale Barn

72.00-87.00 † 60.00-88.00 †

Cattlemen’s Livestock Auction

Not Reported* None Reported* Not Reported* 47.00-89.50*

Farmer’s & Ranchers - Vinita Farmer’s Stockyards - Springdale Fort Smith Stockyards Four State Stockyards I-40 Livestock - Ozark Joplin Regional Stockyards Mid-State Stockyards North Arkansas Livestock - Green Forest

54.00-95.00* 59.50-92.50 † 71.00-98.00 † 75.00* 67.00-89.50 †

OKC West - El Reno Ouachita Livestock Auction Ozarks Regional Stockyards Stilwell Livestock Auction Tulsa Livestock Auction

69.00-94.50 † 50.00-72.00 † 55.00-93.00 † Not Reported* 83.00-99.00 †

Welch Stockyards

70.00-90.00*

cattle

110

130

5 Area (Tx-Ok, Ks, Neb, Ia, Colo) Live Basis Sales - Over 80% Choice Steers: 121.00-124.00; wtd. avg. price 122.10. Heifers: 120.00-124.00; wtd. avg. price 122.03. Dressed Basis Sales - Over 80% Choice Steers: 192.00-194.00; wtd. avg. price 192.82. Heifers: 194.00-194.00; wtd. avg. price 194.00.

dairy cattle NONE REPORTED sheep & goats

Buffalo, Mo. • Buffalo Livestock Market

1/28/20

Receipts: 961 Compared to a much lighter supply at the last market two months ago, feeder lambs sold 10.00 to 20.00 higher, slaughter lambs sold 20.00 to 40.00 higher, and kid goats sold 15.00 to 25.00 higher. Despite freezing (Week of 1/26/20 to 2/1/20) rain and light snow entering the area right after sale time Arkansas Cattle Auction 30.00-64.00 † 3 started there was not many open seats in the barn and Ash Flat Livestock 27.50-66.00 † they remained full right up until the last drop of the aucBenton County Sale Barn 25.00-68.00 † tioneers hammer. The supply was moderate to heavy and Cattlemen’s Livestock Auction 45.00-69.00* demand was good. Supply included: 10% Feeder Sheep/ 29.00-55.00 † County Line Sale - Ratcliff Lambs (14% Lambs, 86% Hair Lambs); 52% Slaughter Decatur Livestock Auction Not Reported* Sheep/Lambs (6% Wooled, 77% Hair Breeds, 1% Ewes, None Reported* Farmer’s & Ranchers - Vinita 13% Hair Ewes, 3% Hair Bucks); 1% Replacement Farmer’s Stockyards - Springdale Not Reported* Sheep/Lambs (100% Families); 8% Feeder Goats (100% Fort Smith Stockk 14.00-70.00* Kids); 29% Slaughter Goats (68% Kids, 26% Nannies/ Four State 10.00-69.00* Does, 6% Bucks/Billies). I-40 Livestock 19.00-73.00 † Feeder Sheep/Lambs: Joplin Regional 23.00-72.00 † Lambs - Medium and Large 1-2: 225.00. Mid-State Stockyards 50.00* Hair Lambs - Medium and Large 1: 235.00. North Arkansas Livestock 38.00-66.00 † Hair Lambs - Medium and Large 1-2: 175.00-230.00. 35.00-73.50 † OKC West - El Reno Hair Lambs - Medium and Large 2: 205.00-220.00. Ouachita Livestock 19.50-48.00 † Slaughter Sheep/Lambs: Ozarks Regional 15.00-71.00 † Wooled - Choice and Prime 1-3: 227.50. Stilwell Livestock Auction Not Reported* Hair Breeds - Choice and Prime 1-3: 170.00-250.00. Tulsa Livestock Auction 35.00-69.00 † Hair Breeds - Good and Choice 1-3: 150.00-220.00. Welch Stockyards 40.00-73.00* Ewes - Good and Choice 1-3: 80.00. 0 10 30 50 70 90 110 Hair Ewes - Good and Choice 1-3: 80.00-117.50.

300-400 lbs. 400-500 lbs. 500-600 lbs. 600-700 lbs. 700-800 lbs.

Bulls, Med. & Lg. 1 300-400 lbs. 400-500 lbs. 500-600 lbs. 600-700 lbs. 700-800 lbs.

Heifers, Med. & Lg. 1 300-400 lbs. 400-500 lbs. 500-600 lbs. 600-700 lbs. 700-800 lbs.

16 16

Ark. Cattle Auction, LLC - Searcy✝ 1/28/20 696

Ash Flat Livestock✝

Uneven 172.50-212.50 150.00-192.50 143.00-175.00 136.00-148.00 120.00-131.00 190.00-195.00 160.00-175.00 135.00-151.00 128.00-138.00 120.00 141.00-162.50 127.50-162.50 125.00-150.00 127.00 115.00

Cattlemen’s Livestock*

1/31/20 892

Benton Co. - Siloam Springs✝ 1/30/20 703

St-10 Lower

stocker & feeder Farmer’s Stockyards*

Fort Smith Stockyards*

---------

Farmer’s & Ranchers Vinita, Okla.* 1/29/20 -----

---------

-----

---------------------

171.00-179.00 165.00-171.00 149.00-165.00 ---------

---------------------

148.00-155.00 140.00-148.00 133.00-140.00 ---------

Decatur Livestock*

1/29/20 438

County Line Sale Ratcliff✝ 1/29/20 115

Uneven

St-8 Lower

Uneven

----140.00-170.00 140.00-153.00 135.00-150.00 130.00

174.00-185.00 173.00-192.00 147.00-167.00 144.00 -----

123.00-177.00 117.00-182.00 110.00-170.00 120.00-152.00 103.00-134.00

148.00-175.00 139.00-160.00 140.00-153.00 ----130.00-132.00

155.00-175.00 140.00-165.00 130.00-140.00 120.00-131.00 110.00-120.00

167.00-175.00 155.00-196.00 143.00-166.00 128.00-142.00 124.00

---------------------

--------135.00-143.00 133.00-141.00 -----

136.00-150.00 120.00-140.00 120.00-133.50 120.00-130.00 110.00-119.00

140.00-158.00 135.00-154.00 135.00-143.00 125.00 120.00

119.00-155.00 105.00-155.00 108.00-140.00 100.00-120.00 -----

130.00-152.00 137.00-140.00 132.00-135.00 126.00 123.00

NONE REPORTED

Steers, Med. & Lg. 1

cows

NOT REPORTED

slaughter

Pennsylvania: wooled and shorn 40-50 lbs 280.00-285.00, few 300.00; 50-60 lbs 247.00-265.00; 60-70 lbs 250.00270.00; 70-80 lbs 220.00-255.00, few 280.00; 80-90 lbs 220.00-247.00. hair 49 lbs 242.00; 50-60 lbs 275.00. few 290.00; 60-70 lbs 247.00-250.00, few 270.00-285.00; 70-80 lbs 230.00-240.00, few 262.00; 80-90 lbs 225.00-240.00. Kalona, IA: wooled and shorn no test. hair no test. Ft. Collins: wooled and shorn 70-80 lbs 181.00-198.00; 85 lbs 189.00; 90-100 lbs 177.00-187.00. hair 48 lbs 218.00; 50-60 lbs 212.00-225.00; 60-70 lbs 205.00-208.00; 78 lbs 199.00. Missouri: hair 50-60 lbs 220.00-240.00; 60-70 lbs 222.50250.00; 70-80 lbs 215.00-230.00; 80-90 lbs 197.50-205.00; 90-100 lbs 170.00-190.00. wooled and shorn 59 lbs 227.50. South Dakota: wooled and shorn 85 lbs 210.00; 90-100 lbs 177.50-187.00. Billings, MT: no test. Direct Trading: (lambs fob with 3-4 percent shrink or equivalent) 4900: Slaughter Lambs wooled and shorn 125-167 lbs National Sheep Summary 1/31/20 144.07-165.00 (wtd avg 156.02). Compared to last week slaughter lambs uneven. At San Slaughter Ewes: Angelo, TX 5.00-15.00 lower, other locations 5.00San Angelo: Good 3-4 (very fleshy) no test; Good 2-3 8.00 higher. Slaughter ewes steady to 10.00 lower. No (fleshy) 86.00-92.00; Utility and Good 1-3 (medium flesh) comparison on feeder lambs. At San Angelo, TX 5791 92.00-110.00, high yielding 112.00-116.00; Utility 1-2 head sold. No sales in Equity Electronic Auction. In (thin) 74.00-90.00; Cull and Utility 1-2 (very thin) 54.00direct trading slaughter ewes and feeder lambs were not 70.00; Cull 1 (extremely thin) no test. tested. 4900 head of negotiated sales of slaughter lambs Pennsylvania: Good 3-4 (very fleshy) no test; Good 2-3 were 4.00 higher. 4,061 lamb carcasses sold with all (fleshy) 90.00-135.00; Utility 1-2 (thin) 95.00-110.00; weights no trend due to confidentiality. All sheep sold per Cull 1 no test. hundred weight (CWT) unless otherwise specified. Ft. Collins: Good 3-5 (very fleshy) 87.50-102.50; Good Slaughter Lambs: Choice and Prime 2-3 90-160 lbs: 2-3 (fleshy) 68.00-102.50; Utility 1-2 (thin) no test. San Angelo: wooled and shorn 100-160 lbs 140.00-176.00. Billings, MT: Good 3-4 (very fleshy) no test; Good 2-3 PA: wooled and shorn 100-135 lbs 180.00-240.00. (fleshy) no test; Utility 1-2 (thin) no test; Cull 1 Ft.Collins, CO: wooled and shorn 100-130 lbs 173.00no test. 193.00. So Dakota: Good 3-4 (very fleshy) 90.00; Good 2-3 South Dakota: wooled and shorn 105-145 lbs 155.00(fleshy) 73.00-87.50; Utility 1-2 (thin) 60.00-77.00; Cull 175.00. 1 52.50. Kalona, IA: wooled and shorn 100-135 lbs no test. Missouri: Good 2-3 80.00-117.50; Utility and Good 1-3 Billings, MT: no test. 66.00-77.50. Missouri: no test. Kalona: Good 3-4 (very fleshy) no test; Good 2-3 (fleshy) Equity Elec: no sales. no test; Utility and Good 1-3 (medium flesh) no test. Slaughter Lambs: Choice and Prime 1-2: Feeder Lambs: Medium and Large 1-2: San Angelo: hair lambs 40-60 lbs 234.00-249.00; 60-70 San Angelo: 60 lbs 196.00; 74 lbs 202.00; 90 lbs 176.00; lbs 220.00-230.00, few 240.00-246.00; 70-80 lbs 208.00106 lbs 176.00; 117 lbs 152.00. 228.00; 80-90 lbs 190.00-214.00; 90-110 lbs 184.00-192.00. Ft. Collins: no test. wooled and shorn not tested. Billings: no test. Kalona: no test.

Hair Ewes - Utility and Good 1-3: 66.00-77.50. Hair Bucks - 1-3: 90.00-105.00. Replacement Sheep/Lambs: 2/2/20 Families - Medium and Large 1 w/<20 lbs lamb: 150.00195.00. Families - Medium and Large 1-2 w/<20 lbs lamb: 120.00-160.00. Feeder Goats: Kids - Selection 1: 250.00-290.00. Kids - Selection 2: 225.00-280.00. Kids - Selection 3: 210.00-220.00. Slaugter Goats: Kids - Selection 1: 195.00-310.00. Kids - Selection 2: 175.00-270.00. Kids - Selection 3: 217.50-250.00. Nannies/Does - Selection 1: 150.00.-220.00. Nannies/Does - Selection 2: 127.50-155.00. Nannies/Does - Selection 3: 90.00. Bucks/Billies - Selection 1-2: 140.00-175.00.

Midwest - High Plains Direct Slaughter Cattle

76.50-94.00* None Reported †

County Line Sale - Ratcliff Decatur Livestock Auction

beef

50.00-80.00 †

1/27/20 2,056

I-40 Livestock Ozark✝ 1/30/20 434

Joplin Regional Stockyards✝ 1/27/20 5,007

-----

St-5 Lower

3-10 Lower

Uneven

---------------------

149.00-213.00 133.00-184.00 129.00-173.00 120.00-150.00 -----

170.50-181.00 151.00-177.00 150.00-161.00 141.00-150.00 133.00-143.75

150.00-190.00 140.00-174.00 139.00-156.00 139.00-146.00 -----

190.00-210.00 162.00-200.00 143.00-177.00 137.00-151.00 134.00-145.50

---------------------

----151.00-163.00 120.00-144.00 135.00 -----

--------127.00-148.00 135.00-139.00 134.00-135.00

--------147.00 113.00 -----

---------------------

129.00-170.00 117.00-158.00 112.00-162.00 106.00-132.00 -----

137.50-158.00 135.00-158.00 132.00-155.00 125.00-139.00 112.50-125.00

137.00-162.50 131.00-152.00 121.00-137.00 122.00-132.00 121.00

142.00-170.00 139.00-165.00 130.00-157.00 127.00-138.00 127.00-131.50

✝ USDA Reported * Independently Reported

Ozarks Farm & Neighbor • www.ozarksfn.com Ozarks Farm & Neighbor • www.ozarksfn.com

Nati

Che The $1.9 Flui Mild here say sem also need Mid Cre pric One are are 1.18 SPO BU $2.1

prices

Four State Stockyards Exeter, Mo* 1/28/20 1,090

NOT REPORTED

slaughter

FEBRUARY 10, 2020

Mi Stoc

140 135 130 122 120

120 110 110 118 110

.00-117.50; Utility and Good 1-3

y fleshy) no test; Good 2-3 (fleshy) od 1-3 (medium flesh) no test. m and Large 1-2: .00; 74 lbs 202.00; 90 lbs 176.00; 152.00.

Corn

9 6

5.93

3 0 Blyt

hevil

9.01

8.60

5.85

5.92

5.55

4.02

3.97

3.99

3.72

Hele

Elain

eola

Osc

Little

Arkansas Cattle Auction Ash Flat Livestock Benton County Sale Barn Cattlemen’s Livestock Auction

Joplin Regional Stockyards✝ 1/27/20 5,007

Mid-State Stockyards*

10 Lower

Uneven

1/27/20 418

OKC West - El Reno, Okla.✝ 1/28/20 5,517

Ouachita Livestock Ola✝ 1/31/20 306

Ozarks Regional West Plains✝ 1/28/20 3,020

-----

St-7 Lower

St-9 Lower

St-5 Lower

190.00-210.00 162.00-200.00 143.00-177.00 137.00-151.00 134.00-145.50

140.00-202.00 135.00-179.00 130.00-157.00 122.00-152.00 120.00-147.00

----161.00 150.00-157.00 140.00 132.00

177.00 166.00-185.00 151.00-165.00 144.50-156.00 132.00-149.00

156.00 145.00-157.00 131.00-153.00 129.00-148.00 122.00-126.00

179.00-200.00 169.00-185.00 150.00-177.00 137.00-147.50 133.00-145.00

--------7.00-148.00 5.00-139.00 4.00-135.00

--------147.00 113.00 -----

---------------------

165.00 150.00-163.00 132.00-141.00 130.00-140.00 -----

---------------------

158.00-197.00 143.00-172.00 133.50-167.00 136.00 -----

155.00 150.00-151.00 132.00-143.00 ---------

120.00-151.00 110.00-152.00 110.00-152.00 118.00-130.00 110.00-120.00

FEBRUARY 10, 2020

140.00-142.00 134.00-140.00 129.00-139.00 131.00 -----

155.00-157.00 146.00-160.00 130.00-149.00 125.00-131.00 124.00-130.00

134.00-146.00 124.00-150.00 124.00-138.00 123.50-128.00 120.00-132.00

140.00-167.50 137.00-155.00 129.00-140.00 127.00-132.50 125.00

Week of 1/5/20

131.00 144.39

162.44 **

138.35

159.49 149.55 148.84 151.66

135.73 133.07 129.52 128.83

159.71 **

** 164.99

1750

137.25 132.82

159.26

132.00

148.65

143.77

162.37 122.00

159.00

2250

Stilwell Livestock Auction* ---------

Tulsa Livestock Auction✝ 1/27/20 2,498

Welch Stockyards*

-----

2-8 Higher

-----

161.18 * * ***

133.29 *** 136.62 134.00

154.28 167.27

190.00-207.50 180.00-194.50 169.00-184.00 140.00-150.75 128.50-140.00

170.00-192.00 165.00-180.00 142.00-170.00 135.00-150.00 130.00-138.00

---------------------

179.00-200.00 161.00-190.00 140.00-160.00 125.00-140.00 -----

160.00-182.00 140.00-158.00 130.00-141.00 112.00-129.00 100.00-109.00

142.61 135.83

161.48

122.42

144.10

138.01

159.27

130.71

154.37 155.83 132.97 143.77 149.50

145.00-158.00 140.00-151.00 138.00-147.00 125.00-136.00 110.00-130.00

The Most Read Farm Newspaper TheOzarks Ozarks’ Most Read Farm Newspaper

138.30 131.09 126.98 134.50 127.99

148.90 *

160.71

144.37

171.41

156.00-170.00 149.50-159.50 141.00-157.00 128.50-142.00 120.00-132.50

137.31 *

146.78

1/28/20 1,235

---------------------

134.34

140.00

1100.00 † 1050.00 †

N. Ark. Livestock Green Forest✝ 1/29/20 168

138.86 136.46

156.97

None Reported * Not Reported * 675.00-1560.00 * None Reported *

1250

133.00 132.15

163.26

None Reported * None Reported † Not Reported *

750

130.43

154.05

600.00-900.00 †

0.00-190.00 0.00-174.00 9.00-156.00 9.00-146.00 -----

142.00-170.00 139.00-165.00 130.00-157.00 127.00-138.00 127.00-131.50

145.00

None Reported †

250

136.52 129.83

154.89

750.00-1570.00 †

Welch Stockyards

143.67

143.81

2000

130.41

152.73 110

Ouachita Tulsa

131.06

155.31

None Reported * Mid-State Stockyard 1025.00-1275.00 † North Arkansas Livestock - Green Forest 625.00-1125.00 † OKC West - El Reno Ouachita Livestock Auction 650.00-750.00 † Ozarks Regional Stockyards 600.00-950.00 † Stilwell Livestock Auction Not Reported * Tulsa Livestock Auction 925.00-1275.00 †

Roc

Ash Flat El Reno Green Forest Joplin Ozark Ratcliff Searcy Siloam Springs West Plains

122.91

146.50

550.00-780.00 †

Fort Smith Stockyards Four State Stockyards I-40 Livestock - Ozark Joplin Regional Stockyards

I-40 estock Ozark✝ 1/30/20 434

1500

heifers 550-600 LBS.

154.75

pairs

County Line Sale - Ratcliff Decatur Livestock Auction Farmer’s & Ranchers - Vinita Farmer’s Stockyards

ices

7.00-162.50 1.00-152.00 1.00-137.00 2.00-132.00 121.00

1000

Nov. 19 Dec. 19 Jan. 20

160.31

300.00-1175.00 † Not Reported * 750.00-1250.00 † 900.00-1385.00 *

500

Ouachita Tulsa

148.06

625.00-900.00 † 675.00-1200.00 † 650.00-1100.00 * 685.00-1000.00 †

(Week of 1/26/20 to 2/1/20)

Sorghum

8.92

Not Reported * None Reported * 965.00-1100.00 *

cow/calf

12 8.94

Ash Flat El Reno Green Forest Joplin Ozark Ratcliff Searcy Siloam Springs West Plains

550.00-1350.00 † 315.00-1120.00 †

Apr. 19 May 19 June 19 July 19 Aug. 19 Sept. 19 Oct. 19

steers 550-600 LBS.

Not Reported* None Reported *

OKC West - El Reno Ouachita Livestock Auction Ozarks Regional Stockyards Stilwell Livestock Auction Tulsa Livestock Auction Welch Stockyards

Daily Report 2/4/20

Soft Wheat

Feb. 19 Mar. 19

Week of 1/12/20

County Line Sale - Ratcliff Decatur Livestock Auction Farmer’s & Ranchers - Vinita Farmer’s Stockyards - Springdale Fort Smith Stockyards Four State Stockyards - Exeter, Mo. I-40 Livestock - Ozark Joplin Regional Stockyards Mid-State Stockyards North Arkansas Livestock - Green Forest

avg. grain prices Soybeans

$80

850.00 * 52.00 † Prices reported per cwt

Week of 1/12/20

very fleshy) 90.00; Good 2-3 tility 1-2 (thin) 60.00-77.00; Cull

$120

460.00-1225.00 † 700.00-1100.00 †

Week of 1/19/20

1/31/20

Cheese: Barrels closed at $1.5000 and 40# blocks at $1.9200. The weekly average for barrels is $1.5580 (-.0576) and blocks, $1.9225 (-.0688). Fluid Milk: Milk production is level across most of the country. Mild winter weather, with the exception of a regional snowstorm here and there, has given a number of reasons for contacts to s 220.00-240.00; 60-70 lbs 222.50- say cow comfort could be worse. Bottlers are amid the school 0-230.00; 80-90 lbs 197.50-205.00; semester and therefore most are reporting steady intakes. There 00. wooled and shorn 59 lbs 227.50. also seems to be plenty of milk for other processing and drying and shorn 85 lbs 210.00; 90-100 lbs needs across the country. Cheese plant managers in the upper Midwest reported Class III prices down to $1.50 under Class. Cream is readily available nationwide and has fallen to flat class price points in both the West and Midwest. Butter plants are full. fob with 3-4 percent shrink or One positive note for cream suppliers is ice cream manufacturers are slowly beginning to reenter the fray. F.O.B. cream multiples s wooled and shorn 125-167 lbs are 1.10-1.20 in the East, 1.00-1.20 in the Midwest, and 1.00g 156.02). 1.18 in the West. SPOT PRICES OF CLASS II CREAM, $ PER POUND (very fleshy) no test; Good 2-3 tility and Good 1-3 (medium flesh) BUTTERFAT F.O.B. producing plants: Upper Midwest $2.1670 - $2.2417. ding 112.00-116.00; Utility 1-2 ll and Utility 1-2 (very thin) 54.00y thin) no test. 4 (very fleshy) no test; Good 2-3 Utility 1-2 (thin) 95.00-110.00;

very fleshy) 87.50-102.50; Good 50; Utility 1-2 (thin) no test. 4 (very fleshy) no test; Good 2-3 1-2 (thin) no test; Cull 1

710.00-1050.00 †

Week of 1/19/20

National Dairy Market at a Glance

Arkansas Cattle Auction - Searcy Ash Flat Livestock Benton County Sale Barn - Siloam Springs Cattlemen’s Livestock Auction

$160

Prices reported per cwt

Week of 1/5/20

dairy sales

cows

(Week of 1/26/20 to 2/1/20)

550-600 lb. steers

Week of 1/26/20

replacement

$200

NOT REPORTED

and shorn 40-50 lbs 280.00-285.00, 47.00-265.00; 60-70 lbs 250.000-255.00, few 280.00; 80-90 lbs lbs 242.00; 50-60 lbs 275.00. few 0-250.00, few 270.00-285.00; 70-80 262.00; 80-90 lbs 225.00-240.00. d shorn no test. hair no test. d shorn 70-80 lbs 181.00-198.00; 85 77.00-187.00. hair 48 lbs 218.00; 0; 60-70 lbs 205.00-208.00; 78 lbs

12 Month Avg. -

$240

Week of 1/26/20

es reports

✝ USDA Reported * Independently Reported

137 164 191 218 * No price reported in weight break **USDA Failed To Report *** No Sale

245

Prices Based on Weighted Average for Steers and Heifers 550-600 lbs.

116 137 158 179 * No price reported in weight break **USDA Failed To Report *** No Sale

200

Prices Based on Weighted Average for Steers and Heifers 550-600 lbs.

17 17

farm finance

It’s ‘That’ Time of Year By Erin Harvey

A new year means it’s time to update your financial statements Happy New Year! 2019 is a year most farmers and ranchers won’t forget. We experienced an interesting planting season – inclement weather, market challenges, and a near record-slow harvest which left many looking forward to putting 2019 behind them and getting focused on 2020. As everybody knows, a new year brings new goals, new outlooks, and in the banking world it also means updating financial statements (que the sighs and eye rolls). Since most farmers utilize cash-based calendar-year accounting, the end of the year is prime time for bringing it all up to date. Your lender will more than likely want to sit down with you in January or February and will want updated financials, so getting a jump start on it now will ensure more accurate information is provided. Use your information to create a budget and set financial goals for the new year. This can make a big difference in your financial outlook for the new year. With your goals

Genetic POWER

in mind, determine where you stand today given crop and cattle budgets and current commodity prices. Update your projections, as well as your expectations, regularly. Ag lenders want to know that you have a certain level of financial understanding to operate and run your farm. Being able to have the conversations about your farm’s financials gives lenders the confidence in your ability to run a successful farm business. Let your banker know what your financial goals are for the year. Are you looking to buy more cattle or is your neighbor up the road looking to retire and you have always had your heart set on buying their farm? Another area I urge customers to dive in to as the new year takes off is their insurance policies and coverage. Sit down with your insurance agent and make sure all the changes in your balance sheet are reflected. Did you trade tractors, did you build a new barn? Are they covered? Are your life insurance policies enough to cover all of your debt and provide for your dependents future? Also, verify your beneficiaries to ensure correctness. Taking the time to review these small things can help alleviate risk in the future. On a final note, as we dive into 2020, I urge each of you to share the positivity in our industry. There is so much to be excited about when it comes to the future of agriculture. The more we focus on the positive bright future of the industry, the more we progress. I urge each of you to speak up and tell your story of how great farming is for raising a family, sustaining your community, and feeding the world. Every farmer needs to be an advocate for agriculture. Erin Harvey, is the CRCM, vice president at Community National Bank & Trust in Lamar, Mo. She may be reached at erin.harvey@communitynational.net

11th Annual Sale SATURDAY, MARCH 14, 2020 • 1:00 PM CST

SPRINGFIELD LIVESTOCK MARKETING CENTER, SPRINGFIELD, MO

Selling 60

Gelbvieh and Balancer® Bull Sale

Homo Black Homo Polled Purebred 94% Sire: JKGF New Horizon C51 ET

J & K GELBVIEH FARMS, INC. Jerry & Karen Wilson

335 Gelbvieh Lane, Ava, IL 62907 618-521-8620

Homo Black Homo Polled 50% Balancer Sire: Basin Payweight 1682

Gelbvieh and Balancer® Bulls

Homo Black Homo Polled Purebred 94% Gelbvieh Sire: JKGF Final Frontier

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SALE MANAGEMENT BY: Mitchell Marketing Service

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Dustin Kittle 256-996-5822

Broadcasting Real-Time Auctions

Videos available of all sale bulls at www.mms.bz

Ozarks Farm & Neighbor • www.ozarksfn.com

Chris Mitchell 334-695-1371

www.mms.bz

FEBRUARY 10, 2020

farm finance

Be Prepared with a Bucket By Lance Albin

Understanding working capital As production agriculture enters its sixth year of narrow profit margins, it is critical to be thinking about your working capital ratio and how to maintain or improve it. To many bankers and financial lenders, it is perhaps the most important financial element to an operation. But for many producers, it’s not a priority until it is. I’ve heard it compared to oxygen in the human body – easy to ignore until it’s no longer there. If you’re not familiar with the term, working capital ratio is simply computed by dividing current assets by current liabilities. Current is defined as assets that can be converted to cash within one year

and obligations that will have to be met within one year. This may also be commonly expressed as net working capital (current assets minus current liabilities). In good economic times, the working capital position is typically strong and not that much attention is paid to it. In tougher economic times, it becomes the difference between being able to meet obligations or serious financial trouble. A few potential ways to improve your working capital position in 2020 could include: Selling non-productive assets, such as equipment or land, that are no longer contributing to the economic earnings of the farm. In leaner economic

times, astute managers will eliminate non-essential items to help build or replenish working capital. Restructuring loans to move current or intermediate term debt to long-term financing on real estate. This can be a difficult decision to make when that land is paid off, but it may be required to keep the farm operating properly in the short and intermediate term. Even if your farm is not currently experiencing financial stress, building and maintaining a strong working capital position should still be a top priority. This strong position will enable the farm to perform well in various parts of the

agricultural economic cycle and will allow you to take advantage of opportunities that may arise in the coming months and years. Warren Buffett has said, “‘Opportunities come infrequently. When it rains gold, put out the bucket, not the thimble.” Having a very solid working capital position will allow you to put the bucket out, whether it’s buying land, cattle or another agricultural asset at a great price. Lance Albin is the president of UMB Bank’s Agribusiness Division. He has a master’s degree in business administration from Fort Hays State University. He can be reached at Lance.Albin@ umb.com.

MEAD FARMS Saturday • March 7, 2020 • Noon Missouri’s #1 Pathfinder Program!

Performance-Tested

BULL SALE MEAD COMFORT ZONE T336

BD: 11-26-2018 • Reg. M924589 M6 Comfort Zone 227 P x LT Rushmore 8060 PLD CED 6.8 BW 0.8 WW 36 YW 61 SC 0.8 Milk 15 CW 13 MB 0.09 REA 0.65

MEAD ADVANCE T240

BD: 11-22-2018 • Reg. 19502284 • Koupal Advance 28 x SAV Resource 1441 CED +8 BW +2.0 WW +74 YW +132 SC +1.27 Milk +27 CW +52 MB +.29 REA +.90 $W +77 $B +125 $C +232

Call or email to request a sale book and join our mailing list! Mead_2_20_OzarkF&N.indd 1

FEBRUARY 10, 2020

At the Mead Sale Headquarters • Versailles, MO

250 Bulls Sell!

185 Angus Bulls - plus 25 Charolais Bulls, 20 Hereford Bulls, and 20 Red Angus Bulls

MEAD 504C CUDA T543

BD: 11-26-2018 • Reg. 44049830 BEHM 100W Cuda 504C x PW Victor Boomer P606 CED +7.8 BW +0.9 WW +67 YW +105 SC +1.6 Milk +37 CW +80 MB +0.28 REA +0.80

Since 1942

MEAD FARMS

The Ozarks’ Most Read Farm Newspaper

MEAD Q719 REDEMPTION T109 BD: 10-29-2018 • Reg. 4136042 Mead Redemptionn Q179 x Andras New Direction R240 CED 11 BW -0.7 WW 74 YW 122 Milk 21 CW 41 MB 0.46 REA 0.21

21658 Quarry Lane • Barnett, MO 65011 Office (573) 302-7011 • Fax (573) 348-8325 email: meadangus@yahoo.com www.meadfarms.com Alan Mead, Owner (573) 216-0210 Jennifer Russell (573) 721-5512

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417-863-8446 1-888-360-9588

by When you don’t have your Farm Hand Ag Resource Directory handy, you can still find the information you need on your phone, computer or tablet.

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Improve Hay & Pasture Yields Now is the time to talk to a Farmers Coop professional to avoid weed problems and determine your fertilizer needs.

By Brian Watkins and Greg Benton

Obtaining a construction loan is not the same as a mortgage

WORMERS Agrimectin Pour-On, 5.0 Liter Cydectin, 5.0 Liter IMPLANTS Cydectiin, 10.0 Liter Synovex Cart Dectomax, 500 ml. Ralgro Eprinex 5.0 liter Noromectin, 500 ml. ANTIBIOTICS Noromectin, 1000 ml. Agrimycin 200, 500 ml. Safeguard Dewormer Noromycin 300, 500 ml. VACCINES One-Shot, 10 Dose Ultrabac 7 Som, 50 Dose Bovi-Shield 5

Coweta, OK 918-486-5322

Loan Tips

Stilwell, OK 918-696-3191

www.farmerscoop.biz

Tahlequah, OK 918-456-0557

“Homesteading” a piece of undeveloped land can be a challenging yet reachable goal. According to a Federal Reserve report, continuing strength in the labor market and continued low mortgage rates are contributing to a favorable building environment. A construction loan may be the only loan you will ever apply for on an asset that does not exist – yet. However, a construction loan is a legitimate financial tool to turn your dreams of having a custom-built home into a reality. It takes an experienced “guide” to navigate a path from envisioning a new home to finalizing your punch list items on the final walk-through. Building a home can get very complicated, especially if you need to take out a shortterm loan for construction and a second, longer-term mortgage to permanently finance your new home. Everything starts with a construction loan, a short-term loan that provides both the financing necessary to build the house and the safeguards to ensure expenses are measured and monitored throughout the process. From a business standpoint, banks consider construction loans more of a lending risk than traditional mortgages. That’s because your completed home acts as collateral with a traditional mortgage. In the case of a home construction loan, the bank has no collateral to claim, since your house is still under construction. To acquire a construction loan, aspiring builders usually start off with architectural plans as the basis for estimating the projected value of the finished home. When the plans are approved and accepted by all interested parties, construction loan providers generally offer a loan based on a percentage of the completed projected value of the house. Typically, a 20 percent down payment by the borrower is contemplated,

Ozarks Farm & Neighbor • www.ozarksfn.com

requiring a remaining loan value of approximately 80 percent of the projected value, to provide all the funds necessary to build your new home. Construction loan disperse the loan in installments called “draws” as needed during various stages of construction. For instance, a concrete contractor will likely request payment after foundations are poured and set. As the construction progresses, other building trade contractors will want payment for their services. Then there are costs for extra items, like titling, inspections, appraisals, landscaping and interior finishing millwork. Your construction loan provider should be your partner from the first building blueprints to the final walk-through of your completed home. When the building phase is completed, the construction loan is paid back immediately when a more traditional long-term mortgage is put in its place. Provided you had no cost overruns and your home appraises at the original projected value, obtaining the mortgage loan financing is not nearly as arduous a process. Some loan providers offer a financing package that includes both the construction and mortgage loan. Homesteading is a journey involving many partners along the way, and it’s good to have an experienced advisor to help navigate the financial crossroads. Brian Watkins is the Commerce Trust Company’s director of private banking and Greg Benton is a Commerce Bank mortgage banker.

FEBRUARY 10, 2020

farm finance

What Your Credit Reports Says

Free Portable Corral Use for Customers • Hauling Available • Covered Pens

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On Farm Appraisal Receiving: Mon.: 8 a.m.-10:00 p.m. Sale: Tues., 12 p.m. Owners: Chris Buffer 479-531-2962 Shawn Sperry 479-957-1387

Livestock Auction Inc. Serving the Tri-State Area

By Kelli Joe Buettner

Your score is similar to a grade for financial management and how you handle your financial obligations As a farmer or rancher, you know the importance of good record keeping and using it to track the progress of your operation. Predicting or estimating results is part of your daily decision making. You spend time watching weather reports, reading publications, and looking back on previous experiences to make decisions. Similarly, your lender uses a variety of information sources to analyze risk and predict future credit behavior when making financing decisions. One of those sources is your credit report. Your credit report verifies your identity and illustrates how you handle financial obligations. It includes your social security number, date of birth, current and past addresses, occupation, financial history, and details past and present performance on loans and credit card accounts. It also often includes information related to judgments, liens, bankruptcies and collection accounts. The information comes from the creditors and lenders with whom you do business. The three major credit bureaus are Equifax, Experian, and TransUnion. Lenders may voluntarily share information with any of them. Creditors have the right to choose which of the three bureaus they furnish information to, which means your credit report from each bureau may contain slightly different information. Your credit report can affect approvals, interest rates, terms, and more. Similarly, it’s important you understand your credit score. Derived from the information contained in your credit report, your credit score is a quick measure of financial health. Depending on the bureau and model used, your score may vary slightly. A score generated by Fair Isaac Company known as the FICO score is commonly referenced. FICO scores range from 300 to 850, and they move constantly as information is reported. While FEBRUARY 10, 2020

there is no magic recipe for a perfect score, your score is influenced by your payment history (35 percent), debt level (30 percent), length of credit history (15 percent), new accounts (10 percent), and types of credit in use (10 percent). The credit reporting process is governed by the Fair Credit Reporting Act (FCRA), which requires data furnishers (creditors and lenders) to provide timely and accurate information to the credit reporting agencies. Under the FCRA, you have the right to obtain a free personal credit report from each of the three major bureaus each year. You may access your free reports by visiting www.annualcreditreport.com. Review your reports for accuracy even if you don’t finance your operation with debt to ensure you aren’t a victim of identity theft. If you find errors or fraudulent activity in your reports, contact the appropriate bureau to launch an investigation. Additionally, free credit education apps are accessible online. Companies like Credit Karma offer access to your credit report with multiple bureaus if you agree to view the ads on their site or app. They may also include estimates of your credit score free of charge. The online apps allow you to actively monitor your credit report more than once a year and offer tips to improve your credit score. The next time you visit with your lender, ask if they use credit bureau reports or scores in making decisions. If they do, share the information you know is in your report. Your lender understands your credit report is a good indicator of future behavior, but certainly not a perfect one as they aren’t representative of the whole story. Be prepared with your credit report and open to share more information to ensure your lender understands you and your operation. Kelli Jo Buettner is the FCS Financial Vice President of Scored Lending and Credit Operations.

479-752-8499 • Hwy. 59 South • Decatur, AR

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The Ozarks’ Most Read Farm Newspaper

169 Satterfield Farm Rd • Norfork, AR 72658 Mark & Nancy Loyd & Joanne (501) 944-9274 (870) 499-7151 satterfieldfarms@icloud.com www.satterfieldcharolais-angus.com

meet your neighbors

Building on Success By Terry Ropp

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The first 240 acres of Froud Farms in Greenland, Ark., was purchased in 1974 by Lee Froud. Lee dropped out of high school at 15, and he always said, “If I’m old enough to call the teacher honey, I’m old enough to get out of high school,” he said. Lee Froud understood how to make money and followed a philosophy with

Greenland, Ark. That new acreage added six chicken houses to his ever-present commercial cattle herd. Lee also custom baled as part of his firm belief in diversiThree generations of the Froud family manage 1,000 acres of land, as well as more than 100 head of cattle.

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Photo by Terry Ropp

three options: use it, sell it, or buy it- fying income, a belief the family follows to this day, with income from rentals whichever makes the most money. After dropping out of high school, Lee taking care of monthly fixed costs. After Lee passed, sons Darrell and bought a small filling station, which he sold to buy a grocery store, followed by Kevin took over managing the farm for their mother Sue, with the a couple of farms. He apprehelp of Darrell’s 25-year-old ciated his grandfather, who son Darian. was a farmer/rancher near Greeland, Ark. Darrell and Kevin’s sister TeSearcy, Ark., and wanted the resa Baker and her husband Tersame kind of life. ry live in Bentonville. Terry helps Eventually, Lee sold the with the farm by handling grounds store and farms to buy the maintenance and helping with the first 240 acres outside of Ozarks Farm & Neighbor • www.ozarksfn.com

hay. Darrell graduated from University of Arkansas with a degree in animal science and works in food manufacturing management. Kevin, on the other hand, graduated from Arkansas Tech with an education degree and is a schoolteacher and girls basketball coach for the Prairie Grove school district. Darian works for Professional Cabling Solutions in fiber optics, telephone security and door access. Kevin handles most of the bookkeeping while financial decisions are shared. “Darian is a really important part of what we do,” Kevin said. “He fills in wherever he is needed and can reach as many as 10 friends through social media very quickly to help us during emergencies, such as severe weather damage, hay needs or when working cattle.” Darrell and Kevin were definitely brothers. Kevin remembers being 6 or 7 when a 500-pound calf in a chute ran over him while big brother Darrell laughed loudly. In addition, Kevin remembers Darrell being very bossy and trying to teach 9-year-old Kevin how to drive a tractor, even though Darrell had learned on his own when he was only 6. Lee frequently gave young Darrell a lot of responsibility because he wanted Darrell to take over if something ever happened to him. He encouraged the boys to work hard on the farm by explaining that if Lee did all the work, he would do all the spending; but if he got help with the work, he would have help with the spending as well. The farm ceased producing chickens, but expanded over the years until it now has 1,000 owned and leased acres with 100 mommas and 40 bred heifers. The females are bred by eight registered bulls: two red Angus, one black Angus, five Charolais and one Hereford. The Frouds keep replacement heifers with the exact number changing according to each year’s needs. Last year, Darrell and Kevin had Bridger Smithers, a veterinarian from West Fork, Ark., preg check the cows with ultrasound which resulted in a heavy cull of 35 percent. “Bridger Smithers is pretty new to our area but we really like him and use him for herd evaluation, special projects and any emergencies,” Darrell explained. Another important advisor is Cary Bartholomew, a field representative for FEBRUARY 10, 2020

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the Benton County Sale Barn as well as a rancher. Rather than selling calves on a set schedule, the Frouds follow Cary’s advice, which is determined by a number of factors including grain costs, cash flow, the number of animals available-for-sale and upcoming preconditioning sales. This year, they successfully began fed hay silage, with calves choosing it over grain. However, while working in the field, Darrell and Kevin noticed very tiny holes in the wrapping material and are now searching for one with a heavier mil. Pastures are mostly Bermuda and fescue, in addition to a 40-acre wheat field for winter forage. While pastures are fertilized by incorporating manure, hay fields are fertilized with chicken litter or a commercial product on a rotational basis. Kevin recently completed a class to obtain a license for weed control and has broadcast sprayers of various sizes in addition to spot sprayers. Kevin is especially vigorous spraying the thistles because he used to have to dig them out as a child. The brothers hay 300 acres for their own use and an additional 200 for bale sales. Another important component of the farm’s diversity is custom baling. The baling is done for a list of customers on a specified rotation. “We have really good customers and deeply appreciate their acceptance of the rotation because we have to be efficient to make the system work,” Kevin said. “All of our custom hay equipment is purchased to be the most efficient and cost/ time effective as possible. Their understanding and support help us to do the very best job we can.” Darrell added. In the next 10 year, Kevin and Darrell plan to retire, preferring to spend their time on the farm, with Darian taking over some of the management. Darrell has an adult daughter named Jennifer and a 3-year-old son named McIntyre, with Kevin having three boys: 16-year-old Brady, 13-year-old Trey and 11-year-old Craig. As time passes and the boys grow, they will become more involved with the farm.

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NORTH ARKANSAS LIVESTOCK AUCTION, INC. Call 870-438-6915 For Sale Information & For Special Sales For on Farm Appraisal or Hauling Contact One of the Following:

Berryville

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FEBRUARY 10, 2020

The Ozarks’ Most Read Farm Newspaper

Put Some Extra

youth in

PROFIT

In Your Production Sale

agriculture tomorrow’s ag leaders

Lauren Koch By Jordan Robertson

Reach Your Potential Buyers With The Ozarks’ Most Read Farm Newspaper.

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Age: 14 Hometown: Mayflower, Ark. Parents: Kimberly and Ronnie Koch

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More than 19,000 copies are mailed primarily to farm families and producers in 61 counties across the Missouri, Arkansas and Oklahoma Ozarks. Research indicates you will reach more than an estimated 45,000 readers when you run your sale ad in Ozarks Farm & Neighbor.

Arkansas/Oklahoma Production Sale Issues March 2 • March 23 • April 13 Missouri Production Sale Issues February 24 • March 16 • April 6 The Ozarks’ Most Read Farm Newspaper

What is your involvement in agriculture?

“My family and I own a farm, as well as black Angus cows. I also show animals in 4-H, so in addition to cows, we own other animals as well. Pigs, goats, you name it.”

What is your favorite part about being involved in agriculture/living on a farm? “To me, growing up on a farm is not only fun, but it teaches you a lot of life skills. Not everyone has the opportunity to learn how to feed and take care of animals at a young age.”

What are your future plans?

Photo by Jordan Robertson

“I’m not sure where I am going to college yet, but I hope to have a career in music. Even while I am pursuing my career in college, I plan to stay very involved in agriculture. I am sure I will always be a huge part in the family farm, too.”

What’s the best advice about agriculture you have received from adults?

“It is both my 4-H and FFA leaders’ philosophy to have compassion for others. For example, we feed our animals at a certain time each day. It’s the same way for people. Putting other’s needs before your own is very important.”

What advice would you give to other young people who want to be involved in agriculture? “I would say agriculture gives you an aspect of not only where your food comes from, but a sense of responsibility as well. You’ll learn more in agriculture class than you would think possible. If you are thinking about joining, go for it.”

1-866-532-1960 24

Ozarks Farm & Neighbor • www.ozarksfn.com

FEBRUARY 10, 2020

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By Chad Pittillo

s an ag lender, I’ve had the honor of partnering with hardworking farmers for the last 23 years, signing off on farm loans and providing consultative financial advice to keep our nation’s farms strong. It’s from this vantage point that I encourage farmers to maximize their financial relationships by digging deeper with their bankers and accountants. You’ll accelerate your loan process and put your accountant miles ahead by scheduling periodic, three-way conversations to discuss goals. Your Chad Pittillo is banker and accountant can help you develop a Simmons Bank’s personalized roadmap to meet your objectives, lending manager for especially when you come with numbers in hand. Pine Bluff, Ark. Here’s what you’ll need to make the most of those conversations: A thought-out budget: Your banker and accountant will be best equipped to help you if you’ve thought through your budget in advance of a meeting. Budgets eliminate guesswork by helping you identify your most profitable choices and curb losses, providing a firm foundation to stand on when it comes to future planning. Key numbers: Be prepared to talk specifics when it comes to your breakeven and/or profit positions, crop sales, fixed and variable costs, purchasing incentives and rebates on inputs like seed, chemical and fertilizer. Any labor costs – including employees (seasonal and full-time) and family expenses – are also a good idea to have on hand. And while you’re updating your banker and accountant on these essential numbers, don’t miss the opportunity to discuss larger financial trends that might affect your farm. Relevant documents: Records of yield history and acres planted are key to obtain the personalized financial advice you’re after. Not to mention, these documents are also important when working with crop insurance and the Farm Service Agency. Next, be sure to bring contracts for crop rental agreements, terms and cash/cropshare. Crop inventory documents should also cover any plans for sales, stored inventory, booking contracts and delivery points. Equipment information: Any equipment list you have that reflects recent purchases, trades and sales would be of interest for your banker and accountant. Equipment leases are also helpful, as these reveal a lot about depreciation and your tax implications. Be ready to discuss depreciation on your farm’s assets to put yourself ahead when it comes to financial statements and tax discussions. Exit plan: A hallmark of responsible business ownership, a succession plan helps set up your family and farm for continued success after your retirement. These plans are a special comfort for families and safeguard for farms that suffer the unexpected loss of their business leader, whether temporarily through an accident or illness or permanently through death. An exit plan should be discussed years before retirement, so it’s never too soon to start.

View catalog at www.charolaisusa.com Real world production. Bulls developed in the Ozarks on fescue. Performance data available and all bulls guaranteed Trich and BVD free. Clifford Mitchell: 405-246-6324 ccmosu@msn.com

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Making farming

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Improving Immunity By Klaire Howerton

A vaccination protocol, proper nutrition and reducing stress will keep animals healthier Healthy herds and flocks are vital to a successful farming operation. Healthy animals perform better, live longer and increase a farm’s bottom line. One way to raise healthy animals is by boosting the herd or flock’s immunity to diseases.

Vaccinations

To increase immunity, it pays for a producer to take a look at their vaccination program. Newborn animals receive immunity from the colostrum they receive from their mothers, but as they age that immunity wears off and must be boosted in other ways to prevent costly loss of animals to fatal diseases. “Vaccines are cheap insurance for higher farm and ranch profits,” Dr. David Fernandez, with the University of Arkansas at Pine Bluff, said. “The price of a single animal – calf, lamb or kid – lost to a preventable disease will pay for the vaccination program for an entire herd or flock in most cases.” Consulting with a veterinarian can

what do you say? What farm finance advice would you offer to other producers?

help producers determine what diseases their herd could be at risk for and establish a vaccination protocol that will be most effective for their livestock. To make the most of vaccinations and the disease immunity they provide, producers need to ensure proper storage, handling and administration of vaccines. Improper management can render vaccines useless, which will not protect the herd or flock. According to the Noble Research Institute in Oklahoma, most vaccines need to be stored refrigerated or at room temperature. Vaccines must be kept cool and out of the sun while in use because UV light can cause some to become ineffective. Use a small ice chest at the chute. If using vaccines that are shipped freeze-dried, reconstitute only enough to be used in about 30 minutes. Throw away reconstituted vaccine not used within one hour of mixing. Cleanliness of equipment is also a vital component of vaccine management. Equipment contamination by dirt, bacteria or chemicals are among the most

“As a banker as well as a cattleman, I know you need to watch your debt and manage it in addition to having as little as possible.” Cas Sally Rogers County, Okla.

common causes of vaccine failure. Change needles as often, at least after every 15 head. Always use a fresh needle to draw additional vaccine into the syringe. When setting the syringe down between each vaccination, use a clean, empty tray as a container. It’s also important to label reusable syringes to ensure the use of the same product in them. Throw disposable syringes away. Clean equipment with hot water only, because residues from detergents or alcohol can contaminate vaccines. Boiling in water equipment is the best way to disinfect it. To further keep up herd and flock immunity, producers should quarantine any new animals for two to three weeks and ensure that they have received the same vaccinations as the rest of the farm residents.

Nutrition and Stress Reduction

boost immunity and keep animals healthy. Feed and environment are pieces of the puzzle, too. Andy McCorkill, livestock field specialist with the University of Missouri Extension, encouraged producers to look at the “big picture.” “We have long known proper nutrition and stress reduction strategies for our grazing animals is one of the first lines of defense we have against disease outbreak,” he said. “A more holistic and intense approach to management where forage resources and animal nutrition are considered along with the use of a disciplined preventative health program might unlock the key to reduced illness and added profit potential.” Working with a livestock nutritionist, conducting a forage analysis and implementing rotational grazing, paired with a herd health plan developed with the aid of a trusted veterinarian, all benefit livestock when it comes to increasing immunity.

Vaccinations are not the only way to

“The secret to handling farm finance is to think big but start small, making sure not to overspend.” Blake Stevens Muskogee County, Okla.

“Be sure to start moderately, especially if you’re trying to finance a farm.”

Lloyd Keck Washington County, Ark.

Ozarks Farm & Neighbor • www.ozarksfn.com

“It’s important to consider all options, even nontraditional ones, and to take advantage of as many programs as possible.” Aaron Artripe Madison County, Ark.

FEBRUARY 10, 2020

The Ozarksâ&#x20AC;&#x2122; Most Read Farm Newspaper

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Energy Needs to Battle the Cold By Klarie Howerton

Pregnant and lactating cows have different needs in the winter months Cattle are often pregnant or lactating this time of year, which means their energy requirements are different than during warmer months. Energy is a vital macronutrient that is responsible for an animal’s health, maintenance and productivity; the amount of this macronutrient in livestock feedstuffs is derived from total digestible nutrients (TDN) found in fat and carbohydrates. “Cattle get the majority of energy in the diet from carbohydrates, primarily fiber,” according to University of Missouri Extension Beef Cattle Nutrition Extension Specialist Dr. Eric Bailey. Making effective management and nutritional choices that ensure cows’ energy requirements are met can ease some of the woes of wintertime on the farm. Evaluate Condition: Dr. Shan Gadberry, ruminant nutrition specialist with the University of Arkansas Extension, encourages producers to evaluate cattles condition to make appropriate feed purchases. “A cow’s energy need is influenced by her size, pregnancy, milk production and her environment,” he said. “This time of year, ranchers may wonder if they need to feed extra for cold weather. We have to step back and assess before going and purchasing a lot of extra feed. First, are the cows in good body condition and have a good winter hair coat? These are insulating factors that makes the cow more tolerant of lower temperatures.” Keep Hay Out: Keeping quality hay available helps cows meet their energy requirements and can reduce the need for supplemental feed. “When temperatures drop, cows compensate by eating more so it is important they can eat as much as they want.”

Ozarks Farm & Neighbor • www.ozarksfn.com

A forage test will help producers determine the quality of their hay and can assist them in making effective decisions if they purchase supplemental feed by making sure what they buy meets their cattle’s needs. Check the Weather: While straight “cold” is not always a problem for cows, cold temperatures combined with other weather factors can cause the herd to need some extra calories. “Is the air temperature cold or is there a lot of wind and precipitation too? The combination of these three is what really forces cows into a negative energy balance. If all three are true and the adverse conditions are expected to linger, then ranchers should provide some additional supplemental feed,” Gadberry said. He went on to explain that oftentimes it isn’t practical to fully compensate for the difference while inclement weather is occurring, so what many will do is to continue to feed the extra amount after the weather has improved to try and keep cows in good shape after unfavorable conditions have occurred. Long bouts of cold, wet and windy weather can result in thinner cows come spring, so in those situations, continued extra calories are important. Other Considerations: “In addition to providing some extra calories when cold and wet weather develops, some additional things to do is try to have a wind break for the cows and move hay feeding areas to prevent deep mud. When cows have to work through more than 6 inches of mud depth to get to hay, consumption can drop,” Gadberry said. Don’t forget water. Cows need plenty of water no matter what season, so producers must ensure an adequate water source. FEBRUARY 10, 2020

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Keeping Calves Healthy By Klaire Howerton

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Keeping younger stock in good condition is critical for productive calves Keeping calves healthy is a cornerstone of farm management practices. Calves have their own set of needs when it comes to managing their health, and while producers should always inquire with their veterinarian about the best practices for their farm, there are a few common things that can be implemented with the majority of calf crops.

Set Them Up for Success

Calves stand a much better chance of having a productive career they are born into an environment that sets them up for success. Calves might not have access to a weather-tight barn filled with fluffy cedar shavings, but they do benefit from windbreaks and shelters. The Noble Research Institute advises producers to plan to calve in the driest, most protected area possible to reduce stress on both the dam and her newborn. Calves can stand a lot of cold if they are dry and out of the wind. Calves need to be kept as dry as possible. Mud-free areas to rest in outdoors and clean bedding, if indoors, creates a healthy environment. Adequate space where calves are not at risk from being stepped on by adult cattle or too crowded with other calves will keep stress levels low. Evaluating the area where calves will be born and reared to identify improvements prior to

FEBRUARY 10, 2020

calving can go a long way towards comfortable, healthy youngsters.

Illness and Disease Prevention

Scours is a common problem for many cow/calf producers and can be costly – fortunately, there are preventative strategies. “Calf scours is almost entirely a manmade problem brought on by having the herd closely confined at calving time. Developing a rotation to allow manure to dry down and kill bacteria is a good starting place,” Andy McCorkill, livestock field specialist with the University of Missouri Extension, advised. He recommended the “Sandhill’s Shuffle method” to help with overcrowding and scours prevention. “If you continually have scours issues, it might take the addition of a scours vaccination program to aide in getting some colostral immunity passed on to the newborn calf to keep it healthy,” he said. Other vaccinations producers might consider (always consult with a veterinarian for the most effective protocols) are blackleg and viral respiratory vaccines. Deworming is also strongly recommended beginning around 4 to 8 weeks of age. For deworming to be the most effective, consider pairing this protocol with a rotation of some kind to reduce the amount of parasites calves are exposed to.

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Keep Dams Healthy

Dams in good condition will raise healthier calves. Keeping cows well fed prior to and after calving, giving precalving vaccinations to transfer immunity via colostrum and administering both internal and external parasite preventatives on a regular schedule will go a long way towards calf health and herd health in general.

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February 2020 11 Pesticide Applicator Training – 6 p.m. – White County Extension Office, Searcy, Ark. – 501-268-5394 15 4-H Chili Supper and Pie Auction – 6 p.m. – Heritage Methodist Church, Van Buren, Ark. – 479-474-5286 15 Pesticide Applicator Training – 9 a.m. – Washington County Extension Office, Fayetteville, Ark. – 479-444-1755 17 Serve Safe (Food Safety) – Crawford County Extension Office, Van Buren, Ark. – call 479-474-5286 for more information 18 River Valley Beef Cattle Conference – 8 a.m.-1 p.m. – register at the door, $20 per person, includes steak dinner – I-40 Livestock Auction, Ozark, Ark. – 479-667-3720 18 Pesticide Applicator Training – 6:30 p.m. – Charleston Courthouse, Charleston, Ark. – 479-667-3720 18 Forest Landowner Workshop – 5:30-8 p.m., dinner provided – Marion County Fairgrounds Community Building, 513 E. Seawell Avenue, Summit, Ark. – register before Feb. 14 – 870-449-6349 19-24 Cherokee County Spring Livestock Show – Cherokee County Fairgrounds, Tahlequah, Okla. – 918-456-6163 20 Pesticide Applicator Training – Johnson County Fairgrounds, Clarksville, Ark. – 479-754-2240 20 Landscape Expo – 8:30 a.m.-4 p.m. – Don Tyson Center for Agricultural Sciences, Fayetteville, Ark. – Cost: $25, includes lunch – registration deadline is Feb. 17 – 479-444-1755 or https://uaex.formstack.com/forms/ls_expo 20-22 Wagnoner County Livestock Show – Coweta, Okla. – call 918-486-4589 21 Pesticide Applicator Training – 9 a.m. – Franklin County Extension Office, Ozark, Ark. – 479-667-3720

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February 2020 15 Genetic Blend Bull Sale – Joplin Regional Stockyards, Carthage, Mo. – 417-830-8180 22 Seedstock Plus North Missouri Bull Sale – Kingsville Livestock Auction, Kingsville, Mo. – 877-486-4460 23 63rd Missouri Angus Breeders Futurity Sale – Columbia, Mo. – 734-260-8635 March 2020 7 Judd Ranch 42nd Gelbvieh, Balancer & Red Angus Bull Sale – at the Ranch, Pomona, Kan. – 1-800-743-0026 7 Mead Farms Performance Tested Bull Sale – Mead Farms Sale Headquarters, Versailles, Mo. – 573-216-0210 7 Peterson Farms 27th Annual Top Pick Charolais Bull Sale – Peterson Farms Sale Headquarters, Mtn. Grove, Mo. – 405-246-6324 7 Hilltop Farms Annual Gelbvieh & Gelbvieh Balancer Bull & Female Sale – Joplin Regional Stockyards, Carthage, Mo. – 417-529-0081 7 Satterfield Charolais & Angus 9th Annual Bull Sale – at the Farm, Evening Shade, Ark. – 785-672-7449 7 Arkansas Bull & Female Sale – Hope Livestock Auction, Hope, Ark. – 877-486-1160 14 Heart of the Ozarks Angus Association Spring Sale – West Plains, Mo. – 734-260-8635 14 Wright Charolais 13th Annual Bull Sale – at the Farm, Kearney, Mo. – 785-672-7449 14 Seedstock Plus Red Reward Bull & Female Sale – Wheeler Livestock Auction, Osceola, Mo. – 877-486-1160

25 Pesticide Applicator Training – 6 p.m. – Cost: $20 – Workforce Training Center, Timberwolf Drive UACCM Campus, Morrilton, Ark. – 501-329-8344 or rbeard@uaex.edu 25 Pesticide Applicator Training – 6:30 p.m. – Paris, Ark. – 479-675-2787 25 Horticulture Conference – commercial pumpkin and strawberry production – 9 a.m.- 4 p.m. – White County Extension Office, 2400 Old Searcy Landing Rd., Searcy, Ark. – Cost: $25 per person, lunch provided – register by Feb. 14 – 501-268-5394 or 501-329-8344 25 Information Meeting on GoGreen – meal at 5:30 p.m., program starts at 6:30 p.m. – Pruitt Mid State Stockyards, Damascus, Ark. – contact Van Buren County Extension Office at 501-745-7117 for more information 26-28 Sequoyah County Junior Livestock Show – Sequoyah County Fairgrounds, Sallisaw, Okla. – 918-775-4838 27 Pesticide Applicator Training – 6 p.m. – Fulton County Fairgrounds, Salem, Ark. – 870-895-3301 27 Pesticide Applicator Training – 9 a.m. – Crawford County Extension Office, Van Buren, Ark. – 479-474-5286 27 Pruning Workshop – Fruit Research Station Clarksville, Ark. – register at 12:45 p.m., program 1:15-4 p.m. – Cost: $10 – must preregister 479-754-2406 March 2 3 4

2020 Pesticide Applicator Training – 5 p.m. – Washington County Extension Office, Fayetteville, Ark. – 479-444-1755 Surge Valve and Sensor School – Searcy, Ark. – call White County Extension Office for more information 501-268-5394 Tri County Forage Meeting – Paris, Ark. – 479-667-3720

14 Genetic Power Gelbvieh & Balancer Bull Sale – Springfield Livestock Marketing Center, Springfield, Mo. – 334-695-1371 14 Jac’s Ranch Annual Spring Bull & Commercial Female Sale – at the Ranch, Bentonville, Ark. – 479-366-1759 18 Valley Oaks Angus Bull & Female Sale – Oak Grove, Mo. – 573-280-2351 20 THM Land & Cattle Production Sale – Vienna, Mo. – 573-443-4521 21 Aschermann Charolais/Akaushi 30th Edition Bull Sale – at the Ranch, Carthage, Mo. – 417-793-2855 21 Missouri Bison Association Spring Sale – Mo-Kan Livestock, Butler, Mo. – 816-585-4779 21 Circle A Angus Ranch Spring Bull & Heifer Sale – at the Ranch, Iberia, Mo. – 573-280-5308 21 Cattlemen’s Choice Bull & Female Simmental, Sim Angus Sale – Fredonia Livestock Market, Fredonia, Kan. – 620-437-2211 21 Pinegar Herdbuilder XXVI Sale – at the Farm, Springfield, Mo. – 417-833-6784 21 Brinkley Angus Ranch 18th Annual Production Sale – Green City, Mo. – 660-265-5565 21 Falling Timber Farm Bull & Female Sale – at the farm, Marthasville, Mo. – 636-358-4161 22 Magness Land & Cattle Southern Division Bull Sale – at the Ranch, Miami, Okla. – 970-396-3584 24 Superior Beef Genetics Bull Sale – Lamar, Mo. – 417-214-4090 24 GENETRUST Brangus Sale – Suhn Cattle Company, Eureka, Kan. – 620-583-3706 26 Maplewood Acres Production Sale – Sedalia, Mo. – 660-826-1880 28 Seedstock Plus South Missouri Bull & Female Sale – Joplin Regional

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FEBRUARY 10, 2020

Cattlemen’s Seedstock Directory ANGUS Jac’s Ranch - Bentonville, Ark. 479-273-3030 Rocking A Ranch - Berryville, Ark. - 870-480-7651 870-423-3567 parthurrockinga@hotmail.com Rose Bud Bull Development & Sales - Rose Bud, Ark. 501-940-0299 www.rosebudfeeders.com BALANCERS Bob Harriman Genetics - Montrose, Mo. - 660-492-2504 Hodges Ranch - Omaha, Ark. 870-426-4469 - 870-704-9450 Rose Bud Bull Development & Sales - Rose Bud, Ark. 501-940-0299 www.rosebudfeeders.com BRANGUS Rose Bud Bull Development & Sales - Rose Bud, Ark. 501-940-0299 www.rosebudfeeders.com CHAROLAIS Rose Bud Bull Development & Sales - Rose Bud, Ark. 501-940-0299 www.rosebudfeeders.com GELBVIEH Hodges Ranch - Omaha, Ark. 870-426-4469 - 870-704-9450 HEREFORDS Rose Bud Bull Development & Sales - Rose Bud, Ark. 501-940-0299 www.rosebudfeeders.com LIM-FLEX Glen Odglen - Springdale, Ark. 479-200-2677 - 479-361-2407 RED ANGUS Watkins Cattle Company Harrison, AR - 870-741-9795 – 870-688-1232 – watkinscattleco@windstream.net SIM ANGUS Bob Harriman Genetics - Montrose, Mo. - 660-492-2504

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OFN February 10, 2020

Articles inside

The Frouds continue a legacy of success

Youth in Agriculture highlights Lauren Koch

Time to update financial statements

What your credit report shows

Being prepared

What you need to know about construction loans

A little strategy is key

Jody Harris – The faint signs of spring

The Winey Grove HE Club still serves the community

Little changes can have big results

Bell Rule Genetics move to rotational grazing and Senepol cattle

Julie Turner-Crawford – Fake meat is here to stay

Dutch Hoggatt is an unlikely cattleman

Eye on Agribusiness spotlights Tulsa Feed

Jerry Crownover – A costly free calf