The Sidney herald., 1959-10-28
Financing Farm Changes


Eugene Quenemoen, Extension
farm specialist, says that often {
sound adjustment program coupled
with adequate credit over a perioc
OF years can improve a farmer:
income. For example, a study Of
the farm operations might show
that it would be advisable to en-
large the farm or to make some
change in the farm enterprises
However, to make such changes in
a short time usually means that
the farm operator needs to borrow
additional capital. And for fin
ancing major changes of this kind,
the loan must be one that can be
repaid over a period of years. So
here are some things a farmer can
do in such a situation that will i'm
prove his chances of getting a loan
that best suits his needs.
Firt, Quenemoen advises against
piecemeal borrowing. By this he
means financing one purchase at
a time without explaining the
long-range plan to the lender. 1t
would be better for the farmer to
develop his long-range plan first
and then talk it over with the
lender. Such a plan should show
estimated receipts and expendi-
lures in order to help the lender
analyze the situation.
He also suggests that arrange
ments be made for all the credit
needed to complete the change
nyyo~ h0fNro <Ha nl5Ytcfr1n mt Ho1fDr
Another helpful step is to con-
centrate the borrowing at one in
stitution rather than having it
split among several. This concen-
tration makes planning easier and
mutual trust between len
der and borrower.
Store That Seed Dry
Be sure the seed grain harvested
year is stored dry. Most grow
ers realize the Importance of this
in maintaining high
termination for the coming year.
moisture test will make sure.
above 1879 will cause
oss, and up to 40 above the de-
tired 1915 may be serious.
Management Determines The
lie OF Pasture
Information from r. A. Give,
lgronomist at the South Dakota
Agricultural Experiment Station,
indicates that the life Of a grass
'asture Is directly related to the
ray it is grazed.
Severe grazing can completely
uin a pasture within a couple of
ears, while careful management
will maintain and even improve a
assure. A good rule for pasture
is take half and leave
according to Mr.. Give. Dur
ng dry years even more growth
ould be left to prevent range
ange. Resting OF reSeeding OF /,
anne pasture areas is also cited as
n important phase of the manage +.
nent plan. With winter around the
orner, a careful look should be
AIKEN at reserves on hand. Hay, /
rain, pasture, and ungrazed range i
figure in the reserves present. I
live concludes by stating that the {
.ockman should select the grazing i
nd feed plan which will fit the y
ype of grassland he has. We might
i'd that the present condition of f
IS range should be considered in I
decisions. +
ertilixer Helps Control O
otafo Scab s
Fertilizers high in nitrogen ap-
ear to be good in controlling pot D
scab, according to research c
en- at the North Dakota Agricul- t;
lral Department. Results from 6
Dakota experiment stations il
ad scientists to recommend 1916 fl
8 fertilizer to be used at the u
tie of 400 pounds per acre.
Gardeners wishing a scab-free
ED of potatoes would no doubt !
!, well in yield and quality by :
flowing this recommendation,
flowing a soil test. Another pre-
ution given is the need for TO
ton since potatoes after pota-
es showed a 40 percent increase \,
scab the second year. n
Ire OF Game -
The big game season is on SO it ~
Special Session. d