Morrisons Cove Herald - Putting cows on the front page since 1885.

Articles written by Ashley Hicks

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 By ASHLEY HICKS    Life    September 9, 2021

Fall Rural Roadway Safety Tips

This fall, during the busy harvest season, you may find yourself sharing the roadway with various forms of farm equipment. America’s rural roadways are often not equipped for accelerated speeds and can present several safety hazards, especially to...

 
 By ASHLEY HICKS    Opinion    August 5, 2021

Beginning a Farm. Where to Start?

Starting a farm can be daunting. What tips can you share for beginning farmers? First and foremost, I recommend beginning farmers connect to others. In some cases, a beginning farmer may be part of a family operation, so they already have a network....

 
 By ASHLEY HICKS    News    June 3, 2021

The Soaring Costs of Land and Lumber

Rising real estate prices are all over the news, with reports of homes selling well above asking prices. A similar phenomenon is happening to farmland and timberland tracts, impacting many farmers...

 
 By ASHLEY HICKS    News    April 22, 2021

AgChoice: Land Appraisal 101

This month, Nick Pease, chief appraiser with AgChoice Farm Credit, discusses appraisals and their role in the land buying process. Why are appraisals important and why are they needed for a loan? By definition, an appraisal is an opinion of value...

 

Home Construction Tips

After you've identified your future home site, you can begin planning for your home construction. Choose a reputable builder – There are many options for home construction and many different...

 
 By ASHLEY HICKS    News    March 4, 2021

PPP Loans Reopen With Benefits for Self-Employed Farmers

With the latest Pandemic Relief Bill, signed into law on Dec. 27, 2020, sole-proprietor farmers gained an opportunity to participate or revise an existing loan in the Small Business Administration's...

 
 By ASHLEY HICKS    Life    February 11, 2021

The Hidden Cost of Prepayment Penalties

What is a prepayment penalty, and how does someone know if they have a prepayment penalty condition on their loan? A prepayment penalty is a clause in the mortgage contract that states the lender may...

 
 By ASHLEY HICKS    Life    December 3, 2020

Improve Farm Performance With Management Teams

No matter the name – profit team, management team, succession team, troubleshooting team – the team approach to investigating and solving farm problems has many benefits. Advantages remain...

 
 By ASHLEY HICKS    News    October 29, 2020

Can I Buy Now and Build Later?

Is it a good approach to buy land now and later build a home on the property? Our team answers that common question and offers advice if a property purchase is in your future. Many people ask the question if they should buy land now to build their...

 
 By ASHLEY HICKS    Life    August 13, 2020

Five Steps for Beginning Farmers

Every year, thousands of aspiring farmers pursue their dreams of running their own agricultural enterprises. Agriculture supports one out of every 10 jobs in Pennsylvania. According to the 2017 Ag Cen...

 
 By ASHLEY HICKS    News    July 2, 2020

How to Cultivate a Productive Mindset

Special thanks to Michigan State University Extension for these helpful tips as we all manage through challenging times. There are many factors in agriculture that farmers have no control over....

 
 By ASHLEY HICKS    Life    May 14, 2020

AgChoice Farm Credit

On March 18, 2020, and March 20, 2020, the Department of Treasury and the IRS issued Notices 2020-17 and 2020-18 effectively postponing the due date for both filing Federal income tax returns and...

 
 By ASHLEY HICKS    Life    March 19, 2020

AgChoice Farm Credit Report

Land is an asset that generally holds value and appreciates over time. While your land investment grows, you can enjoy its many unique benefits. In Pennsylvania, land provides investment...

 
 By ASHLEY HICKS    News    January 2, 2020

2020 Risk Management Decisions

As we settle into January, we often reflect back on yet another year and our many blessings. We might also contemplate that if only we had 20-20 hindsight, we would have made better decisions the...

 
 By ASHLEY HICKS    Life    December 5, 2019

The Farm Credit Corner

Budgets are a valuable tool to help manage our financials and make decisions for the future. However, building a budget, whether it is for your home, farm or business, can be daunting. As our thoughts...

 
 By ASHLEY HICKS    News    November 7, 2019

A Lesson in Cash Flow

Cash flow is a critical financial measure for business managers and lenders. Understanding how and when money is earned and spent is one of the best methods to spot potential problems in a business, a...

 
 By ASHLEY HICKS    Life    September 5, 2019

The Farm Credit Corner

Identity theft is defined as all crimes against individuals where personal and financial data is illegally obtained by fraud or deception, usually for financial gain. Once identity thieves steal your...

 
 By ASHLEY HICKS    News    July 5, 2019

AgChoice Reviews the Dynamic Factors that Affect Land Value

Land, as an investment, has physical characteristics that distinguishes it from all other assets. Those characteristics include the following: 1. Land is unique in location – You may have heard it...

 
 By ASHLEY HICKS    News    May 2, 2019

Ten Qualities to Look for in an Agriculture Lender: Ag Choice

The borrower-lender relationship is an important one, especially if you're in the agricultural industry. As you are looking for financing for that next tractor, piece of property or home on acreage,...

 
 By ASHLEY HICKS    News    April 4, 2019

Why Benchmark?

Do you ever wonder how your peers are doing? Are they controlling their input costs better than you? Do they have greater outputs per unit? How do their gross margins compare? We all strive to have su...

 
 By ASHLEY HICKS    Life    March 14, 2019

The Dynamic Factors Affecting Land Value

Land, as an investment, has physical characteristics that distinguishes it from all other assets. Those characteristics include the following. Land is unique in location You may have heard it said...

 
 By ASHLEY HICKS    News    February 7, 2019

For Farmers, Now is Time to Manage Risk Through Crop Insurance

By ASHLEY HICKS AgChoice Loan Officer Everyone has insurance – either you buy it from an insurance company or you insure yourself. When you self-insure, you are taking all of the risk. In today’s economic climate, that may not be the best risk...

 
 By ASHLEY HICKS    News    January 3, 2019

Dairy Revenue Protection (Dairy-RP): Churning Innovation

What is all the hype about on Dairy Revenue Protection or Dairy-RP? What does this product offer for protection and how does this program work? Innovation, such as Dairy-RP, is often born through...

 

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