Back to Your Roots

River Valley AgCredit, ACA

River Valley AgCredit’s podcast features topics from individuals that are outstanding in their field. Digging in to all things farming, faith, family, and financing, guiding you… back to your roots!

For more than 100 years River Valley AgCredit has provide the highest quality of dependable credit, and related services to every qualified agricultural and rural members within our territory. As part of the Farm Credit System, we serve over 6,000 stockholders totaling over $600 million in outstanding volume.

Visit our website to learn more: RiverValleyAgCredit.com

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October 16 · 36 min
Smart Farming Practices with Lead Agronomist, Darrin Holder
We talk with Darrin Holder, a local pumpkin farmer and Lead Agronomist with Winfield United, Land O' Lakes agronomy division, about how West Kentucky farmers can make smarter calls when margins are thin without sacrificing the yield that lowers cost per bushel. We dig into why some corn hybrids still respond to fungicides even when disease pressure looks low, and how protecting green leaf area can extend grain fill and improve kernel weight. Then we zoom out to the fundamentals that quietly decide profits: soil type limitations, split nitrogen programs on lighter ground, and avoiding spring tillage when it’s too wet and compaction gets baked in. We also hit the “big rocks” we refuse to skip, including soil pH, weed control, and planter setup for seed to soil contact. From Italian ryegrass and its waxy cuticle to the value of residual herbicides and fall control timing, Darrin breaks down weed pressure in plain language. We also talk cover crops for erosion control, nutrient cycling, and long term soil health gains that take years, not weeks. Finally, we look forward to new soybean traits and the real role of AI in agriculture and precision farming: a tool for faster insights, not a replacement for judgment.
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S4 · E4
July 10 · 52 min
The Benefits of FSA Financing And Programs
Most people hear “FSA” and think one thing: a backup plan. That assumption can cost farmers real options. We sit down with Anna Armstrong, a Farm Loan Specialist, and David Wayne, Kentucky’s State Executive Director, to unpack what the USDA Farm Service Agency actually does and how producers can use it to build a stronger operation. We talk through the day-to-day reality of FSA, then zoom out into the big buckets farmers rely on: agricultural lending, disaster assistance, price support, and conservation programs like CRP. You’ll hear why FSA is built to protect a farm’s financial viability when risk shows up through weather events, yield loss, livestock loss, or market swings, and why staying informed is often the difference between getting help and missing it. On the lending side, we break down direct farm loans versus guaranteed loans, how participation deals work with a local lender, and why longer terms and flexible structures can change cash flow in a tight ag economy. We also dig into underused tools like NAP coverage for specialty crops, plus Marketing Assistance Loans and Farm Storage Facility Loans that can help producers manage grain marketing and storage decisions. Along the way, we share practical advice to speed up an application, prepare clean financial and production records, and keep a close eye on your balance sheet and cost per acre. If you’re a beginning farmer, a growing family operation, or an established producer trying to refinance or expand, this conversation gives you a clear map of what to ask for and who to call. Subscribe, share this with a farmer or lender who needs it, and leave a review with what you want us to cover next.
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S4 · E3
May 14 · 33 min
Establishing Food Plots Without Buying Large Equipment
We sit down with Coye Elliott to explore hunting as a year‑round passion and the ways thoughtful food‑plot strategy can improve deer health, expand turkey opportunities, and increase the long‑term value of recreational land. The conversation also digs into realistic costs, simple equipment setups, and the biggest mistakes beginners should avoid. We talk about how hunting and the outdoors serve as a powerful stress reliever and a way to build lasting family memories. Coye explains why food plots matter far beyond hunting success, supporting overall herd management and habitat quality. We get into the importance of keeping forage available nearly 365 days a year so animals stay on the property longer, and how high‑protein nutrition influences body weight and antler development. Coye breaks down how to choose between clover, alfalfa, brassicas, wheat, oats, and standing corn, and he shares a practical rule of thumb: planting five to ten percent of your acreage can make a meaningful impact. We also cover how newcomers can do effective habitat work with nothing more than an ATV, a small sprayer, or a basic chainsaw. From timber‑stand improvement and hinge cutting to letting sunlight stimulate natural browse, Coye highlights simple habitat upgrades that pay off. He also touches on conservation programs and USDA resources that can offset expenses. We discuss how trail cameras create a kind of property “resume” that boosts future resale value, and how land appreciation, leveraging equity, and 1031 exchanges can help buyers move toward their next farm. Finally, Coye sets expectations for cost per acre and explains why starting small is almost always better than overspending.
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S4 · E2
April 16 · 36 min
A Farmer Explains the Benefit of Crop Dusting Over a Sprayer
He’s a farmer first and a crop duster second, and that changes everything about how he flies. We’re joined by Robert Houston, a fifth-generation producer who farms for a living and does aerial application because he loves the work and the relationships. If you’ve ever wondered what crop dusting actually does for corn, soybeans and canola, why some growers choose a plane over a ground sprayer, or how an ag pilot thinks about risk, this conversation gets specific fast. We talk timeliness, crop damage, and soil compaction, plus the real-world economics behind paying for aerial spraying. Robert explains how he charges, why he limits his radius, and what makes loading from his own strip so much more efficient than working around traffic at a regular airport. We also get into the equipment side of agricultural aviation: fuel burn, aircraft design, and why pattern testing, nozzle angle, and spray system setup can matter as much as the product in the tank. The most surprising part is what he calls the biggest challenge today: people. Robert breaks down drift concerns, chemical misconceptions, social media pressure, and why he’ll sometimes leave a field or even turn down acres if the situation isn’t safe or worth the risk. Along the way, we also cover his on-farm practices like injecting liquid hog manure and flying on cover crops to protect soil and recycle nutrients. If you care about farming, crop protection, cover crops, or the future of ag trust, hit play. Subscribe, share this with a producer or neighbor, and leave us a review with what you want to learn next.
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S4 · E1
January 27 · 28 min
From Tobacco Rows To Watermelon Loads
Ever wonder how a family farm survives wild price swings, weather curveballs, and shifting markets? We sit down with Kentucky producer Keith Harris to unpack the real mechanics of resilience: diversifying for stability, securing buyers before planting, and building a legacy that gives each child a lane to thrive. Keith’s story starts with dark fire tobacco, which funded decades of growth, then pivots into a multi-enterprise operation spanning 3,500 acres of row crops, retail strawberries, 270 acres of watermelons, beef-on-dairy calves, and brand-new Vital egg barns. The conversation gets specific about business strategy. Keith breaks down how he aligned crops with available labor, why retail made sense for berries, and how wholesale contracts with Costco and Walmart turned watermelons into a scalable, time-sensitive machine—often eight to ten semi-loads per day in July. He explains the quiet skills that make or break diversified farms: prioritizing small tasks, managing teams across overlapping seasons, and partnering with brokers to keep logistics tight. We also tackle the hard truths—vegetable margins are tighter than a decade ago, tobacco’s heyday is past, and row crop income runs in cycles—plus the mindset that keeps a farm moving forward. If you’re a grower, ag professional, or curious listener, you’ll hear practical, field-tested advice on risk management, market-building, and when to pivot versus push through. Keith’s family-first approach shows how to expand with intention, train the next generation to lead, and build structured income streams that steady the ship when markets rock. Subscribe, share with a farmer friend, and leave a review with the one insight you’ll apply this season.
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S3 · E7
Nov 7, 2025 · 33 min
Inside A Fourth-Generation Kentucky Farm’s High-Stakes Harvest
A wet spring, a parched August, and a combine that won’t quit—this conversation with fourth-generation farmer Allen Pace gets right to the heart of what it takes to bring a crop from the field to your plate. We talk through the harvest grind, the thin line between profit and loss, and why a few cents per bushel can swing a year when you’re moving hundreds of thousands of bushels. Allen shares how a lean crew uses crystal-clear communication and a whole lot of hustle to make good decisions when time, weather, and markets refuse to cooperate. We dive into yields across Ballard County and beyond—corn averaging around 215 on his acres, early soybeans pushing into the 60s and 70s, and double-crop beans waiting on late rain. Allen explains how this year’s weather flipped yield maps, why storage and timing matter when harvest lows hit, and how working with a marketing team helps capture those crucial pennies. We follow the grain as it leaves the farm: down lock-free rivers toward export, to regional poultry integrators, and even into Kentucky’s booming bourbon industry. There’s a bigger shift underway too. Soy oil is stepping into the spotlight thanks to renewable diesel and sustainable aviation fuel, changing the crush equation and creating new demand. Allen’s work on the Soybean Board highlights the research that got us here, and he makes a simple case for ag literacy: you may not eat soybeans, but your chicken sure did. We also look ahead at the next decade—drones, planter innovation, autonomy, hybrid powertrains—and what actually pays back versus what’s just a shiny toy. The perfect farm size? The profitable one. If you care about food security, rural economies, or just want an honest look at modern farming, this conversation delivers both grit and insight.
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S3 · E4
Jul 30, 2025 · 32 min
Rural Property Transactions: Realtor Chance Futrell's Perspective
Dive deep into Western Kentucky's real estate landscape with Chance Futrell of Housman Partners Realty Land & Farm as he shatters common misconceptions about today's market. Fresh from his transition to full-time real estate after years of balancing dual careers, Chance brings authentic insights forged through countless successful transactions and deep community connections. Contrary to popular belief, the local housing market isn't just surviving—it's thriving. Housman Partners celebrated their best month on record in May 2025, even with higher interest rates. After an initial adjustment period, buyers have acclimated to the new rate environment, recognizing that waiting indefinitely isn't practical when lifestyle needs demand action. Construction loans continue at surprising levels, with Chance and host Chris Griffin noting more than 20 new projects initiated during recent months. The conversation shifts to the booming rural property market, where parcels of 10-40 acres are particularly sought-after. COVID accelerated the desire for self-sufficiency, with more people seeking their "own little piece of heaven" for gardening, recreation, and privacy. Chance reveals the unique valuation factors for hunting properties, where amenities like electricity and documented hunting success can significantly impact pricing. He advises property owners to maintain detailed logs of hunting activities to maximize value when selling. Beyond market analysis, Chance offers practical wisdom for both buyers and sellers. He cautions sellers against allowing properties to become stigmatized through overpricing, while warning buyers to realistically assess maintenance requirements before purchasing rural land. "Chris Griffin goes out and buys 50 acres tomorrow and he doesn't own a tractor," he explains, illustrating how unprepared buyers often overlook ongoing costs. Whether you're considering your first home purchase, looking to invest in recreational land, or seeking to maximize your property's value, Chance's expertise provides invaluable guidance.
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S3 · E3
Jul 7, 2025 · 27 min
Beyond the Blueprint: The Construction Loan Playbook
On this episode of Back to Your Roots, host Chris Griffin sits down with Daniel Elrod, a mortgage loan originator recently voted "Best of the Best" in Cleveland, Tennessee, to unpack the ins and outs of construction financing. Ever wonder why construction loans seem so complicated? Daniel breaks down the crucial differences between traditional home purchases and building from scratch. Before you meet with contractors or fall in love with house plans, listen to his advice about establishing what you can actually afford—potentially saving you from heartbreak and wasted time. The conversation dives deep into two distinct construction loan options that serve different needs: the unique 30-year fully dispersed construction loan with one-time closing and fixed rates, and the traditional 12-month interest-only construction loan. What truly sets this discussion apart is the revelation about River Valley's note modification program—a feature that could save borrowers thousands in refinancing costs when interest rates drop. "You can always date the rate but marry the property," Daniel advises, highlighting how this program lets you secure your dream home now without missing future rate opportunities. The episode also tackles specialized construction types like barndominiums and pole barn homes, explaining how these increasingly popular rural building options can be financed at up to 85% loan-to-value. Daniel dispels common myths about who qualifies for agricultural lending (hint: you don't need to be a farmer), reveals how land equity can eliminate down payment requirements, and explains the flexibility around dwelling limits for properties over 15 acres. Whether you're just starting to dream about building or ready to break ground, this conversation delivers practical insights you won't hear elsewhere. Subscribe to Back to Your Roots for more insider knowledge on agricultural and rural financing that guides you back to what matters most.
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May 29, 2025 · 27 min
Future of Farming for YBS Farmers: From Autonomous Planters to Vet Schools
What does the future of farming look in today's world? Who's leading agricultural innovation in the river counties? And how can young people break into an industry where the traditional advice has been "inherit it or marry it"? Dr. Tony Brannon, former dean of agriculture at Murray State University for 25 years and current leader with the West Kentucky Alliance for a Vibrant Economy (WAVE Ag), joins host Chris Griffin to answer these questions and more. From his childhood on a farm to his decades shaping agricultural education, Dr. Brannon brings wisdom earned from both academic leadership and hands-on farming experience. The conversation delves into the revolutionary technologies transforming agriculture—autonomous planters operating without drivers and heavy-lift drones capable of spraying 1,000 acres daily. "It's not my granddaddy's agriculture anymore," Brannon explains, describing how modern farmers need technological savvy alongside traditional agricultural knowledge. We also explore the economic importance of the river counties' agricultural production, the progress toward establishing a veterinary school at Murray State to address the shortage of large animal veterinarians, and practical advice for succeeding in today's agricultural landscape. For aspiring farmers, Brannon emphasizes perseverance, networking, and diversification as key strategies. He explains how the Young and Adult Farmer Program through WAVE Ag provides valuable connections and resources for those entering agriculture, whether they come from farming families or not. As he puts it, farmers must be "eternal optimists" in a profession where success depends on factors beyond their control—from unpredictable weather to volatile markets. Ready to learn more about the future of farming or connect with agricultural resources in Western Kentucky? Follow Back to Your Roots for more insights into all things farming, financing, and farm life, and visit rivervalleyagcredit.com for additional agricultural resources.
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Mar 20, 2025 · 20 min
Cooperative Advantage: $4.8 Million Reasons it Pays to be a Member
"$95 million returned to members over 30 years, with $4.8 million coming this April." That's the staggering figure River Valley AgCredit CEO Kyle Yancey shares as he breaks down the cooperative's patronage refund program in this revealing conversation. What exactly is patronage, and why don't traditional banks offer it? Yancey explains the concept using a vivid waterfall analogy, showing how money flows through the organization - first covering operating expenses and capital requirements before cascading back to members. This systematic approach has allowed River Valley to return significant funds to borrowers each year since 1993. The benefits are substantial and concrete. Patronage effectively reduces member interest rates by an average of 1%, which, when combined with no-cost note modifications, can sometimes create rate advantages of 1.75% or more compared to traditional lenders. As Yancey pointedly asks, "What is your bank giving you?" A common misconception gets thoroughly debunked: patronage doesn't mean the cooperative overcharges for loans. River Valley is regulatorily required to offer fair, equal pricing and maintains competitive rates. With patronage checks arriving in early April (now available via direct deposit), members gain a timely financial boost for spring expenses or tax obligations. The cooperative's financial success directly translates to member benefits - a true embodiment of the cooperative principle that sets farm credit apart from other financial institutions. Ready to maximize your patronage returns? Beyond traditional loans, consider River Valley's additional services like crop insurance, credit life, and equipment leasing. The more business you do with your cooperative, the more you'll see coming back to you when patronage season arrives.
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S3 · E2
Feb 28, 2025 · 34 min
How to Buy Land at Auction: A Step-by-Step Guide
Step into the dynamic realm of land auctions where opportunities abound and strategies can mean the difference between winning and losing. In this engaging episode, we chat with Michael Harris, owner of Harris Real Estate and Auction, who shares his multi-generational expertise in navigating the auction landscape. With an impressive family legacy spanning over four generations, Michael brings invaluable insights into the auction process, emphasizing the importance of preparation for potential buyers and sellers alike. Throughout our discussion, we unravel the intricacies of bidding, including the often misunderstood buyer's premium, equipping you with knowledge to enter the auction confidently. Michael gives essential tips for first-time bidders, encouraging them to seek guidance and understand what to expect on auction day—navigating bid strategies and property combinations efficiently. Furthermore, he clarifies the distinctions between absolute and reserve auctions, outlining when each method may be most beneficial. As we dive deeper, Michael discusses current land price trends—from the impact of market dynamics to factors influencing buyer decisions. This is a must-listen for anyone considering land transactions, whether you are looking to buy or sell. Join us as we uncover the secrets of successful land auctions and learn how you can maximize your outcomes. Don’t forget to visit our website and subscribe to Back to Your Roots for more insights to keep you ahead in the agricultural sector!
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S3 · E1
Jan 20, 2025 · 32 min
The Evolution: Athens Stockyard through Dean Williams' Vision
Join us on "Back to your Roots" as we explore the bustling world of agriculture with Dean Williams, the passionate owner of the Athens Stockyard in Tennessee. Raised amidst the dynamic environment of a dairy farm and family-run grocery stores, Dean brings a wealth of knowledge and experience to the table. Discover how his early adventures in stockyards shaped his journey to becoming a seasoned cattle trader, transforming the Athens Stockyard from a modest 50-cattle operation to a thriving enterprise handling over 2,000 cattle weekly—all while emphasizing the essential value of respect and collaboration in business. As we navigate the evolving landscape of the cattle and stockyard industry, gain invaluable insights from seasoned professionals who have weathered economic storms and the shifting tides of market demands. We'll discuss the pressing issue of an aging farmer population and the critical need to engage younger generations through initiatives like 4-H and FFA, ensuring the future vitality of agriculture. Against the backdrop of land development challenges, we delve into strategies that can keep the spirit of farming alive among youth. The nationwide shortage of large animal veterinarians presents unique challenges for cattle farmers, and we shed light on its impact from a personal and professional perspective. Hear practical advice on making smart investments in genetics and equipment, and learn the importance of perseverance through market fluctuations. This episode emphasizes the supportive dynamics between farmers and lenders, underscoring the significance of adapting strategies to individual circumstances. Don't miss the opportunity to connect with us on social media and share your thoughts on future topics you'd like us to explore as we continue this agricultural journey together.
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S2 · E15
Dec 3, 2024 · 27 min
A Sustainable Future in Kentucky Agriculture: The Influence of Jonathan Shell
What shapes a person's journey into politics? Kentucky's Commissioner of Agriculture, Jonathan Shell, joins us to share the influential figures and experiences that led him to public service. From the pivotal guidance of his grandfather to the encouragement of U.S. Congressman James Comer, Jonathan's story is a testament to the power of everyday people making a difference in politics. We explore his admiration for the Kentucky Farm Bureau and Rush Limbaugh, both of which played a significant role in forming his conservative beliefs and igniting his political career. This episode offers a personal glimpse into the values and inspirations that have guided Jonathan's path. Kentucky's farming community faces unique challenges, and Jonathan Shell is committed to supporting them. Discover the New and Beginning Farmer Loan Program, aimed at empowering young farmers with low-interest loans, and learn about the significance of crop insurance and community support in navigating natural disasters. We also discuss future policy goals to maximize taxpayer resources, promote economic growth, and connect consumers with the origins of their food. Jonathan's dedication to advancing agriculture in the Bluegrass State shines through, as he strives to position Kentucky as a national leader in healthy eating and sustainable practices.
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S2 · E14
Nov 14, 2024 · 30 min
Legislative Pathways in Kentucky Agriculture with State Representative, Steven Rudy
Kentucky's political and agricultural landscape comes alive in our conversation with Steven Rudy, the Kentucky State Representative for the 1st District. Join us as he reminisces about growing up in Ballard County, sharing amusing childhood anecdotes and his longstanding friendship with our CEO, Kyle Yancey. Steven's unique perspective provides a rare glimpse into the distinctive cultural fabric of Western Kentucky, where the challenges and rewards of representing the expansive River Counties are as vast as the land itself. Steven takes us on a journey through the intricacies of agriculture legislation, revealing how seemingly minor laws, such as those concerning hogs in Hickman County, play a crucial role in preserving Kentucky's agricultural heritage. He shares his vision for the future, including bold plans for a veterinary medicine school at Murray State University and the state's unprecedented investment in public river ports. Through collaborative efforts with Commissioner of Agriculture Jonathan Shell, Stephen aims to fortify Kentucky's standing as a leader in the agricultural sector, ensuring the economic vitality of local farms and communities. Amidst discussing policy challenges, we also celebrate the profound impact of agricultural education programs like 4-H and FFA in fostering leadership and bridging the gap between consumers and producers. Steven delves into the role of institutions like Murray State University's School of Agriculture in nurturing regional growth and preparing new generations for leadership roles. The episode is a testament to the power of communication, education, and legislative leadership in shaping the future of Kentucky's vibrant agricultural community.
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S2 · E13
Oct 7, 2024 · 28 min
Decoding Agricultural Economics: Research with Dr. Aaron Smith
Join us for an insightful conversation with Dr. Aaron Smith, a distinguished professor and extension economist from the University of Tennessee, Knoxville, as he navigates the complex world of agricultural economics. Dr. Smith shares his journey from a farm in Western Canada to becoming an influential figure in understanding economic trends that impact agriculture. Learn how historical data, although often lagging, plays a crucial role in the future of agriculture. We'll unravel the importance of interpreting economic indicators and their varied impact on different agricultural sectors, providing you with a clearer picture of how these insights can guide decision-making in the farming industry. The episode further explores the indispensable role of immigrant labor through programs like H-2A, crucial for maintaining stability in labor-intensive agriculture. With Dr. Smith's expertise, we examine global market dynamics, focusing on how countries like Brazil and Argentina affect U.S. agriculture, particularly in the soybean sector. Discover how advances in drone technology are not just futuristic fantasies but real tools transforming modern farming with AI and precision applications. As we look towards 2025, Dr. Smith shares strategies for navigating potential shifts in crop prices, highlighting the importance of strong marketing and management strategies to maintain profitability. Get ready to expand your knowledge and gain valuable insights into the evolving agricultural landscape.
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S2 · E11
Aug 19, 2024 · 26 min
From Soil to Jar: Marni Ausenbaugh's Journey in Gardening and Canning
Discover the secrets to a thriving home garden and the joys of canning with our special guest, Marni Ausenbaugh. Growing up amid her grandparents' lush gardens, Marni has cultivated a deep appreciation for knowing exactly where her food comes from and the gratification of feeding her family with homegrown produce. From jalapenos and tomatoes to blueberries and blackberries, Marni shares her journey and expert advice on gardening, soil testing, and adjusting to different environments, infusing her stories with a passion that is both inspiring and informative. Curious about how to start a garden that fits your busy lifestyle? Marni provides practical tips and tricks for small-scale gardening, offering insights into harvesting okra and the delightful taste of burpless cucumbers. Our conversation also touches on Southern culinary treasures like white lightning, chow chow, and the irresistible cowboy candy—a sweet and spicy twist on jalapenos. We delve into the rising trend of canning among younger generations, discussing the best produce for freezing versus canning, with a special focus on preparing for natural disasters. Learn how canning can be a rewarding and practical solution for food preservation, especially in the face of potential freezer storage losses. Marni shares her personal experiences and valuable tips to ease any intimidation around canning, highlighting the surge of interest during the COVID-19 pandemic. This episode also underscores the importance of family bonding through gardening and canning, encouraging a simpler, more intentional lifestyle. Don't miss out on the hidden resources offered by local counties to enhance your gardening and canning skills. Stay connected with us for more insightful tips by subscribing to our podcast and following us on social media.
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S2 · E10
Jul 16, 2024 · 28 min
Bulletproofing Your Farm: Financial and Technological Strategies with Aaron Wilson
How do modern farmers navigate a landscape riddled with economic volatility, high input costs, and unpredictable weather? In our enlightening conversation with Aaron Wilson, a seasoned generational farmer from Ballard County, Kentucky, you'll uncover the secrets to successfully managing a 3,000-acre farming operation focusing on corn, soybeans, and wheat. Aaron shares his strategies for bulletproofing his business against financial pressures through strategic debt management and liquidity. Learn how he tackles sky-high costs of equipment, chemicals, and fuel, and why diversification with beef cattle is a smart move. Get ready to explore the cutting-edge world of drone technology in agriculture. Aaron explains how drones revolutionize crop protection by offering precision, reduced labor costs, and flexibility compared to traditional methods. Discover the practical benefits of drones, from adjusting droplet sizes to operating post-rainfall, making them a cost-effective alternative to ground sprayers. We also dive into the critical role of crop insurance and grain storage in mitigating weather and market risks. Aaron's expert insights are invaluable for anyone looking to navigate the multifaceted challenges of modern farming. Tune in for a comprehensive look at strategies to optimize farm efficiency and profitability.
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S2 · E9
Jun 14, 2024 · 28 min
The 5 C's of Credit: CCO, Kip Ellington's Agricultural Credit Advice
How do you go from a chance interview to being the cornerstone of an organization? Join us for an inspiring conversation with Kip Ellington, the Chief Credit Officer at River Valley, as he recounts his extraordinary journey from an unexpected hire to becoming a respected leader in the company. Kip shares invaluable insights from his time as a loan officer, his rise through the ranks, and his dedication to mentoring new employees. He reflects on the strong relationships he's built with customers and the unique challenges and rewards he's encountered working in the agricultural lending sector. With Kip approaching his retirement, we celebrate his lasting impact on River Valley and its staff. In this episode, we also uncover essential strategies for young borrowers to build robust credit scores, crucial for future loan eligibility. We discuss practical steps like responsibly managing credit cards and the importance of early loans such as a first vehicle loan. Kip emphasizes the value of character and relationship building in lending, particularly in agriculture, providing a comprehensive approach beyond mere credit scores. We delve into the significance of financial literacy, balance sheets, and maintaining trust-based relationships with borrowers. Tune in to gain insights into mentorship, steady leadership, and the commitment to helping borrowers navigate financial challenges with confidence knowing the 5 C's of credit.
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S2 · E8
May 24, 2024 · 25 min
Planting For The Future: Young, Beginning, Small Farmer Programs
Ever wondered how the farming dreams of the young and ambitious can be nurtured in today's economy? We're Jordan Turnage and Chris Griffin, and we're here to unfold the mysteries of the Young, Beginning, and Small (YBS) loan program, a vital initiative that's keeping the agricultural heartbeat strong. As the farming population ages, it's like a tree in need of new roots—we're eager to support the growth of fresh farmers. Our latest episode peels back the layers on the updated qualifications for YBS loans, illustrating the lifeline they offer to those starting their journey in agriculture. You'll learn that meeting a single YBS criterion might be the golden ticket for an aspiring farmer, and we share stories on how this program is expanding the agricultural horizon for the next crop of growers. Switching gears, we cast a light on the indispensable toolkit every budding farmer should have when eyeing agricultural loans. Think beyond credit scores and dive into the world of financial statements, the ins-and-outs of co-signers versus guarantors, and the art of presenting a compelling repayment ability. With a focus on practical advice and real-world strategies, we empower our listeners with the knowledge to secure the necessary capital to sprout their agribusiness. Our episode doesn't just lay out the path to success—it equips you with the map, compass, and provisions for the journey. Join us to cultivate your understanding and grow your confidence in the fertile field of agriculture.
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S2 · E7
May 2, 2024 · 38 min
Foundations of Home Construction Revealed by Contractor Israel Sanders
Ever wonder what goes on behind the scenes of building the place you call home? Uncover the intricacies of home construction with Mr. Israel Sanders, a seasoned general contractor with 24 years under his belt. As the owner of IS Custom Homes, Israel navigates us through the highs and lows of the industry, revealing the real impact of the pandemic on costs and market fluctuations. He also pays tribute to his father's influence, sharing how family legacy has shaped his approach to creating dream homes amidst today’s unpredictable landscape. Tackling a home build seems daunting, but Israel Sanders shares why it's a task for experienced hands, especially with today's labor market challenges. The loyalty and trustworthiness of subcontractors have become more valuable than ever, and Israel discusses how government assistance programs have reshaped the workforce. For those tempted to don the general contractor's hat themselves, he offers a candid warning: without the right expertise, the dance of coordinating trades can quickly turn into a costly misstep. Finally, we unwrap the various contracting methods that could make or break your home-building dreams. From the comprehensive turnkey process to the transparent cost-plus contracts, Israel illuminates the financial nuances of each approach. He offers sage advice on how to keep a tight rein on your budget, manage change orders effectively, and why communication with your contractor is the cornerstone of a successful project. By the end of our chat, you'll be equipped with a richer understanding of the home construction process, straight from a master builder's perspective.
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