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Full-Text Articles in Business

Avoid Year-End Operating Loan Pitfalls, Jessica J. Groskopf Nov 2024

Avoid Year-End Operating Loan Pitfalls, Jessica J. Groskopf

Center for Agricultural Profitability

As the year draws to a close, many producers rely on operating loans, or lines of credit, to finance essential expenses when cash flow is tight. These loans function like credit cards but usually come with lower interest rates. An operating loan is a short-term financing tool — often lasting less than a year — designed to help manage business cash flow. Borrowers are usually granted a pre-set limit they can draw from and repay multiple times throughout the year, primarily for purchasing inputs rather than long-term assets like land or equipment.

However, as the year ends, it's crucial to …


Nebraska Crop Budgets 2025, Robert Klein, Gelnnis Mcclure Nov 2024

Nebraska Crop Budgets 2025, Robert Klein, Gelnnis Mcclure

Center for Agricultural Profitability

This publication contains 83 crop production budgets for 15 crops, as well as tables for power, machinery labor, and input costs used to develop these budgets. Each budget consists of five sections, including:

  • Heading
  • List of representative field operations
  • List of materials and services used
  • Operations and interest tabulations
  • Overhead costs, including real estate taxes and opportunity charges

The 2025 budgets have been entered into the Ag Budget Calculator (ABC) program at: agbudget.unl.edu. After creating a free account in ABC, individual enterprise budgets can be downloaded and edited or customized in the program. This link provides more information: cap.unl.edu/abc


Trucks, Trains, And Barges: For Brazilian Soybeans, It’S Not Your Grandpa’S Infrastructure Anymore, Fabio Mattos Oct 2024

Trucks, Trains, And Barges: For Brazilian Soybeans, It’S Not Your Grandpa’S Infrastructure Anymore, Fabio Mattos

Cornhusker Economics

In the popular movie “Planes, Trains & Automobiles”, the tagline said, “Steve Martin had no reason to panic… until John Candy came along”. In the soybean market, we could say, “We had no reason to panic… until Brazil came along”. Brazil has been rapidly growing its soybean production for the last 30 years and has recently become the largest exporter in the world. In 2024/25, USDA estimates that Brazil will account for 58% of soybean exports worldwide, followed by the United States with 28%. These are roughly the numbers for 2023/24 and 2022/23 as well.

Still, despite the massive growth …


13th International Conference On Business, Technology And Innovation 2024, University For Business And Technology - Ubt Oct 2024

13th International Conference On Business, Technology And Innovation 2024, University For Business And Technology - Ubt

UBT International Conference

Welcome to IC – UBT 2024

UBT Annual International Conference is the 13th international interdisciplinary peer reviewed conference which publishes works of the scientists as well as practitioners in the area where UBT is active in Education, Research and Development. The UBT aims to implement an integrated strategy to establish itself as an internationally competitive, research-intensive university, committed to the transfer of knowledge and the provision of a world-class education to the most talented students from all background. The main perspective of the conference is to connect the scientists and practitioners from different disciplines in the same place and make …


Maximize Profitability By Choosing The Right Corn Hybrid, Matt Stockton Oct 2024

Maximize Profitability By Choosing The Right Corn Hybrid, Matt Stockton

Center for Agricultural Profitability

The most expensive seed is not always the best when trying to achieve profitability over yield. Dr. Matt Stockton uses data from the University of Nebraska-Lincoln’s TAPS farm management competition to illustrate why buying the wrong corn seed may be more costly than you think.

Prior to working with the UNL TAPS farm management program (Testing Ag Performance Solutions), I had not fully understood the economic impact that the seed selection decision potentially has on farm profitability. Sure, I knew that paying too much for seed relative to its return results in a reduction of profit, and yes, …


The Corporate Transparency Act: A New Reporting Requirement Affects Many Agricultural Businesses, Jay Parsons, John Hewlett, Jeff Tranel Oct 2024

The Corporate Transparency Act: A New Reporting Requirement Affects Many Agricultural Businesses, Jay Parsons, John Hewlett, Jeff Tranel

Center for Agricultural Profitability

When considering the sources of risk in agriculture, many producers recognize institutional risk as a risk that is growing in impact and importance. Institutional risk pertains to people outside the business causing change that affects the business. It includes government rules, regulations, and policies.

The Corporate Transparency Act (CTA), enacted in 2021, is one example of a recent change that affects many agricultural producers. Under CTA, companies doing business in the United States are required to report their beneficial ownership information (BOI) to the Financial Crimes Enforcement Network

(FinCEN), a bureau of the U.S. Department of the Treasury. The reporting …


Sizing Up The Farm Bill Safety Net, Brad D. Lubben Oct 2024

Sizing Up The Farm Bill Safety Net, Brad D. Lubben

Center for Agricultural Profitability

Lower commodity prices and higher production costs over the past couple of years have crop producers concerned about tighter margins and cash flow for their operations.

The federal farm income safety net provides substantial support to producers through commodity programs, crop insurance programs, and disaster assistance. Crop insurance has been the primary safety net tool for producers in recent years as commodity prices generally fluctuated at levels above commodity program support levels. Even declining markets in the past couple years left prices that remained above Price Loss Coverage (PLC) support levels and revenue calculations above Agriculture Risk Coverage (ARC) guarantees …


How To Communicate Your Estate Plan To Family When Dividing Assets Unequally, Anastasia Meyer Oct 2024

How To Communicate Your Estate Plan To Family When Dividing Assets Unequally, Anastasia Meyer

Cornhusker Economics

Provides a guide on how to effectively approach estate planning conversations with family members.

Effectively communicating an estate plan with unequal division of assets can be challenging, but approaching it with honesty, clarity, and empathy can help prevent misunderstandings and family disputes. Open, respectful dialogue—paired with thoughtful explanations and transparent documentation—ensures that your family understands your intentions and feels valued, even when tough decisions are involved.

Ultimately, your goal isn’t just to pass down financial assets, but also to preserve family harmony and, where applicable, secure the future of a viable business. By fostering open communication, you can create a …


The Economics Of The ‘Buy Local’ Trend, Susweta Ray, Konstantinos Giannakas Oct 2024

The Economics Of The ‘Buy Local’ Trend, Susweta Ray, Konstantinos Giannakas

Cornhusker Economics

The results of our study underline the significance of the explicit consideration of consumer and producer heterogeneity and the size and type of the locality when analyzing the market and welfare impacts of the ‘Buy Local’ trend. In addition to providing important new insights on the market and welfare impacts of the ‘Buy Local’ trend, our analysis can also provide a valuable theoretical grounding for empirical studies aimed at quantifying the economic impacts of the trend in different food product markets as well as the impact of current and emerging policies affecting the markets for local foods.


How To Communicate Your Estate Plan To Family When Dividing Assets Unequally, Anastasia Meyer Oct 2024

How To Communicate Your Estate Plan To Family When Dividing Assets Unequally, Anastasia Meyer

Center for Agricultural Profitability

Estate planning and transition planning are terms that are often used interchangeably. However, it is important for businesses, including farms, to designate the differences between the two.

Estate planning uses legal tools to ensure the next generation inherits assets when the owners retire or pass away. However, many farmers and business owners seek to involve their heirs in the day-to-day operations long before ownership is transferred. This is where transition planning comes into play, offering a more comprehensive approach. Transition planning encompasses four critical components, blending estate planning with business planning to not only prepare for the transfer of ownership …


Cryo-Em Analysis Of Pseudomonas Phage Pa193 Structural Components, Stephano M. Iglesias, Chun-Feng Hou, Johnny Reid, Evan Schauer, Renae Geier, Angela Soriaga, Lucy Sim, Lucy Gao, Julian Whitelegge, Pierre Kyme, Deborah Birx, Sebastien Lemire, Gino Cingolani Oct 2024

Cryo-Em Analysis Of Pseudomonas Phage Pa193 Structural Components, Stephano M. Iglesias, Chun-Feng Hou, Johnny Reid, Evan Schauer, Renae Geier, Angela Soriaga, Lucy Sim, Lucy Gao, Julian Whitelegge, Pierre Kyme, Deborah Birx, Sebastien Lemire, Gino Cingolani

Department of Biochemistry and Molecular Biology Faculty Papers

The World Health Organization has designated Pseudomonas aeruginosa as a critical pathogen for the development of new antimicrobials. Bacterial viruses, or bacteriophages, have been used in various clinical settings, commonly called phage therapy, to address this growing public health crisis. Here, we describe a high-resolution structural atlas of a therapeutic, contractile-tailed Pseudomonas phage, Pa193. We used bioinformatics, proteomics, and cryogenic electron microscopy single particle analysis to identify, annotate, and build atomic models for 21 distinct structural polypeptide chains forming the icosahedral capsid, neck, contractile tail, and baseplate. We identified a putative scaffolding protein stabilizing the interior of the capsid 5-fold …


Two Lives, Shruti Trehan Mbbs Oct 2024

Two Lives, Shruti Trehan Mbbs

Journal of Wellness

A busy oncologist makes a decision to leave her busy, thriving, community practice in the Mid-West and moves to a Veterans Affairs hospital in South Florida in the quest for a better work-life balance.


Why Tariffs Are A Tax On American Consumers, Timothy L. Meyer Oct 2024

Why Tariffs Are A Tax On American Consumers, Timothy L. Meyer

Cornhusker Economics

Summary

The takeaway from this article should be that tariffs are a political tool, not an economic one. They do raise prices and revenue, but not as much as advertised (by either side).

At its core, Economics is the study of how scarcity is solved. That is, how limited resources are best utilized. Time and time again, Adam Smith’s idea that the invisible hand of markets would guide us to welfare-maximizing solutions, largely through specialization and trade. It’s why most of us specialize in one career and trade our hard-earned money for goods and services instead of producing them at …


2024 Celebration Of Scholarship, Creativity, And Engagement, Todd Bruns, Anna Nelson Oct 2024

2024 Celebration Of Scholarship, Creativity, And Engagement, Todd Bruns, Anna Nelson

Programs

Annually, Eastern Illinois University honors faculty achievements in the areas of research, creativity, and engagement. The list of faculty accomplishments is truly impressive, reflective of an engaged faculty committed to excellence and the ongoing pursuit and creation of knowledge. Many of these accomplishments occurred in collaboration with our students, who serve as co-authors, research assistants and partners in bringing these activities to fruition. In some cases, these professional ambitions transpired over many years and are a testament to persistence and tenacity. We extend a sincere message of congratulations for this diverse range of achievements, which bring distinction to our departments, …


Insect Pests And Their Management In Oats, Department Of Primary Industries And Regional Development, Western Australia Oct 2024

Insect Pests And Their Management In Oats, Department Of Primary Industries And Regional Development, Western Australia

Biosecurity factsheets

Field pests

Damage from invertebrate pests is generally not a major factor for oat crops, however there is a zero tolerance to live pests in export hay.

Significant damage can occur if pest populations build up. Planning rotations to minimise pest carryover, timely sowing, adequate crop nutrition, and good control of weed and root diseases will assist in reducing the likelihood of crop damage by insect pests. Check crops regularly throughout their growth for field insects.

• Control redlegged earth mite and lucerne flea during the seedling stage if necessary.

• Aphids should be checked for and controlled from flag …


Climate Smart Agriculture, J. David Aiken Sep 2024

Climate Smart Agriculture, J. David Aiken

Cornhusker Economics

There are several programs encouraging producers to reduce their carbon intensity, including United States Department of Agriculture climate-smart agriculture programs, the 2024 Nebraska Climate Action Plan, and the 2024 Nitrogen Reduction Incentive Act. The hope is that producers with lower carbon intensity (CI) scores will receive a premium for their products. Producers would be well advised to learn more about these programs, as reducing carbon intensity in agriculture seems to be an emerging agricultural policy trend that will be with us for some time to come.


Chacahoula 2024, Vol 91, Alayna Pellegrin Sep 2024

Chacahoula 2024, Vol 91, Alayna Pellegrin

Chacahoula

MERGING REALITIES:

The 2023 issue of Chacahoula includes December 2023 and May 2024 graduating classes, as well as stunning photography of Week of Welcome, Homecoming, Mardi Gras, and Spring Fever. With features covering notable students, faculty, and staff, this year's time capsule beautifully preserves an academic year in the life of the University of Louisiana at Monroe.


Determining A Fair Rent For Farm Buildings, Glennis Mcclure Sep 2024

Determining A Fair Rent For Farm Buildings, Glennis Mcclure

Center for Agricultural Profitability

Establishing a fair rent for farm buildings and storage facilities involves multiple factors. There isn’t a universal formula, as conditions vary depending on building type, usage, and local market conditions. However, a comprehensive evaluation of both fixed and variable costs, as well as cash and non-cash expenses, is essential.


Perceptions Of Pharmacy Students Towards The Transition To Online Communication In Learning: Lessons From The Covid-19 Pandemic, Wejdan Shroukh Dr Sep 2024

Perceptions Of Pharmacy Students Towards The Transition To Online Communication In Learning: Lessons From The Covid-19 Pandemic, Wejdan Shroukh Dr

Middle East Journal of Communication Studies

This study aims to explore the experiences of pharmacy students at Middle East University (MEU) in the transition to online communication in pharmacy education during the COVID-19 pandemic in the academic year 2021/2022.The current study follows an inductive qualitative research design based on conducting semi-structured interviews with students. Thematic analysis of data was carried out, and the six phases of analysis described by Braun and Clarke were followed. Data analysis yielded the following themes: acceptance of the transition to online communication in pharmacy education, the perceived difficulty of online courses delivered during the pandemic, drawbacks of online communication in pharmacy …


Feeder And Live Cattle Markets Face Mixed Signals As Fall Approaches, Elliott James Dennis Sep 2024

Feeder And Live Cattle Markets Face Mixed Signals As Fall Approaches, Elliott James Dennis

Center for Agricultural Profitability

As the cattle market reopened following Labor Day, feeder and live cattle futures weakened to contract low levels of resistance. The October feeder cattle contract ended on a down note at approximately $230, as the market continues to grapple with whether prices will rise this fall amid uncertainty over how many heifers will go through sale barns. A significant factor contributing to current market conditions is the deterioration of pasture conditions, which has led to expectations that some feeder cattle will be brought to market earlier. However, this impact is tempered by a large hay crop and the availability of …


Tracing Atlantic Sea Scallops Using Radio Frequency Identification (Rfid) Technology, Will Shoup, David Rudders, Jonathon Peros Sep 2024

Tracing Atlantic Sea Scallops Using Radio Frequency Identification (Rfid) Technology, Will Shoup, David Rudders, Jonathon Peros

The Journal of Extension

Radio Frequency Identification (RFID) represents a technology that has the potential to enhance many aspects of the Atlantic sea scallop fishery. Driven by fishery management and market forces, fishery product traceability benefits fisheries managers, consumers, and fishermen. In order to demonstrate the capabilities of RFID technology in the scallop fishery, a solution is proposed that would help establish clear Chain of Custody (CoC) so that the scallop supply chain can be better documented. Implementation and acceptance of any new technology will hinge on effective communication and extension efforts that can leverage the multi-benefit aspects of adopting RFID into the fishery.


Setting Custom Rates For Fall Harvest, Gelnnis Mcclure Sep 2024

Setting Custom Rates For Fall Harvest, Gelnnis Mcclure

Center for Agricultural Profitability

We’re approaching the fall harvest again, so harvest rates are a topic of interest. Custom rates for harvesting operations in Nebraska have continued to increase based on data gathered from the latest biennial Nebraska Custom Rates Survey completed in 2024. Custom rate figures are provided by operators who perform custom hire services and respond to the survey. The first several pages of Part II of the 2024 report provide custom rate figures for harvesting grains and soybeans, followed by updated figures for hauling operations for grain and hay. The report is one source custom operators may use to help determine …


Wheat Streak Mosaic Virus And Wheat Curl Mite And Their Management, Department Of Primary Industries And Regional Development, Western Australia Sep 2024

Wheat Streak Mosaic Virus And Wheat Curl Mite And Their Management, Department Of Primary Industries And Regional Development, Western Australia

Biosecurity factsheets

Wheat streak mosaic virus (WSMV) is a seed and mite-borne virus that infects wheat, causing severe leaf symptoms and reduced yields. The symptoms and damage are more severe in wheat than other hosts, in which infection is symptomless.

Wheat streak mosaic virus can cause crop failure when widespread infection occurs in seedling wheat, particularly when a heavily WSMV-infected green bridge is not controlled before sowing an early crop, and warm temperatures favour mites.

Wheat curl mite (Aceria tosichella) is the only known vector of WSMV. It can transmit the virus in its nymph and adult stages.


Armyworms And Their Management In Cereal Crops, Department Of Primary Industries And Regional Development, Western Australia Sep 2024

Armyworms And Their Management In Cereal Crops, Department Of Primary Industries And Regional Development, Western Australia

Biosecurity factsheets

Armyworms are pests of cereals crops. They are frequently found along the south coast of Western Australia and occasionally in other grainbelt locations.

When barley crops are maturing in spring, large armyworm caterpillars climb plants and can chew through the stems, causing the heads to fall to the ground. Damage to wheat and oat crops occurs less frequently and is usually minor compared to damage in barley. Armyworms are seldom a serious problem in pastures.


Bean Yellow Mosaic Virus And Its Management In Lupins, Department Of Primary Industries And Regional Development, Western Australia Sep 2024

Bean Yellow Mosaic Virus And Its Management In Lupins, Department Of Primary Industries And Regional Development, Western Australia

Biosecurity factsheets

Bean yellow mosaic virus (BYMV) is an aphid-transmitted virus that commonly causes necrotic symptoms that kills lupin plants when infected early before pod set. When plants are infected after pod set, black pods develop (known as black pod syndrome).

BYMV is found predominantly in high rainfall areas of the Western Australian (WA) grainbelt. This page outlines the symptoms, diagnosis, factors favouring disease risk and spread, yield and quality impacts, and management for BYMV in lupin crops in WA


Capeweed And Its Management, Department Of Primary Industries And Regional Development, Western Australia Sep 2024

Capeweed And Its Management, Department Of Primary Industries And Regional Development, Western Australia

Biosecurity factsheets

Capeweed (Arctotheca calendula) is a prostrate, stemless, sprawling annual herb that germinates during autumn and winter. In Western Australia (WA), competition from 7 to 90 capeweed plants per square metre in a wheat crop can reduce crop yield by 28 to 44% and net return by 25 to 76%.


Managing Aphids And Viruses In Lupins, Department Of Primary Industries And Regional Development, Western Australia Sep 2024

Managing Aphids And Viruses In Lupins, Department Of Primary Industries And Regional Development, Western Australia

Biosecurity factsheets

Aphids reduce yields by direct feeding damage, which causes flower and pod abortion and occasionally plant death in lupins. The extent of damage varies between seasons, but losses can be severe in years that favour aphid population development.

Lupins are most vulnerable to aphids during budding and flowering, as severe feeding damage on growing tips can cause buds to drop, flowers to abort, and reduced pod set. Some lupin varieties are more susceptible to aphids than others.

Aphids transmit serious virus diseases, which reduce yields and contaminate seed stocks. Some species of aphids are more difficult to control than others.


Aphid Feeding Damage And Its Management In Cereal Crops, Department Of Primary Industries And Regional Development, Western Australia Sep 2024

Aphid Feeding Damage And Its Management In Cereal Crops, Department Of Primary Industries And Regional Development, Western Australia

Biosecurity factsheets

Adult and nymph aphids suck sap from cereal crops, with large populations, especially in winter and spring, limiting grain yield and size. This page relates to feeding damage from oat aphid (Rhopalosiphon padi) and corn aphid (Rhopalosiphon maidis) in the absence of virus, and Russian wheat aphid (Diuraphis noxia).


Ascochyta Blight Disease And Its Management In Faba Beans, Department Of Primary Industries And Regional Development, Western Australia Sep 2024

Ascochyta Blight Disease And Its Management In Faba Beans, Department Of Primary Industries And Regional Development, Western Australia

Biosecurity factsheets

This factsheet summarises the symptoms, disease risk, infection cycle and control measures for Ascochyta blight (Ascochyta fabae) in faba bean compared to the diseases, Alternaria and Cercospora.


Barley And Cereal Yellow Dwarf Viruses And Their Management, Department Of Primary Industries And Regional Development, Western Australia Sep 2024

Barley And Cereal Yellow Dwarf Viruses And Their Management, Department Of Primary Industries And Regional Development, Western Australia

Biosecurity factsheets

Barley yellow dwarf viruses (BYDV) and cereal yellow dwarf viruses (CYDV) damage cereal crops worldwide. These yellow dwarf viruses infect wheat, barley, oats and grasses and are transmitted by aphids.

This page describes these collective yellow dwarf viruses (barley and cereal yellow dwarf viruses), which damage cereals crops and advises on their diagnosis, monitoring, and management the viruses in the Western Australian (WA) grainbelt.

Growers are encouraged to check cereal crops for aphids on a regular basis, especially early in the season during autumn when winged aphids migrate into cereal crops during the crops’ most vulnerable growth phase. Early detection …