A culmination of Gary Sipioriski's noteworthy advice published in his Money Matters column of Hoard's Dairyman magazine, this guide serves as an approachable resource for farmers, agricultural students, and industry professionals to better understand agricultural business management. Farmers can look to this book as a "survival guide" whenever they cross unfamiliar territory in their financial decision-making.

The failing economics of the traditional small dairy farm, the rise of the factory mega-farm with its resultant pollution and disease, and the uncertain future of milk

Abbe Turner just wrote the book she wished she could have read before she set out on her farm-based entrepreneurial path 17 years ago. Co-written with her daughter, Madeline, this inspirational collection of stories, insights, and tools is perfect for anyone who loves food - entrepreneurs, eaters, and farmers alike. The Land of Milk & Money spotlights a community of strong women who are here to help.When Abbe established Lucky Penny Farm in Portage County, Ohio back in 2002, she was a young mother, wife and professional fundraiser who was driven by a dream. She wanted to live off the land of her family's century farmstead, raise goats, make cheese, and feed her family from the bounty of the land and the sweat of her brow. That overflow of goodness has since been shared with an ever-widening audience of devotees who, since catching her vision of cultivating a more sustainable food and agricultural system that we all can live with, share in that vision's power. While The Land of Milk and Money revolves around Abbe's story, it is richly complemented by firsthand accounts from female dairy entrepreneurs throughout Ohio who have withstood their own challenges and setbacks, plus their resulting adjustments and victories. The 15 women profiled tell inspiring stories about making ends meet, building business, attending to matters of the home and heart, and finding balance among overlapping demands.

In Land of Milk and Money, Alan I Marcus examines the establishment of the dairy industry in the United States South during the 1920s. Looking specifically at the internal history of the Borden Company—the world’s largest dairy firm—as well as small-town efforts to lure industry and manufacturing south, Marcus suggests that the rise of the modern dairy business resulted from debates and redefinitions that occurred in both the northern industrial sector and southern towns. Condensed milk production in Starkville, Mississippi, the location of Borden’s and the South’s first condensery, so exceeded expectations that it emerged as a touchstone for success. Starkville’s vigorous self-promotion acted as a public relations campaign that inspired towns in Tennessee, Alabama, Louisiana, and Texas to entice northern milk concerns looking to relocate. Local officials throughout the South urged farmers, including Black sharecroppers and tenants, to add dairying to their operations to make their locales more attractive to northern interests. Many did so only after small-town commercial elites convinced them of dairying’s potential profitability. Land of Milk and Money focuses on small-town businessmen rather than scientists and the federal government, two groups that pushed for agricultural diversification in the South for nearly four decades with little to no success. As many towns in rural America faced extinction due to migration, northern manufacturers’ creation of regional facilities proved a potent means to boost profits and remain relevant during uncertain economic times. While scholars have long emphasized northern efforts to decentralize production during this period, Marcus’s study examines the ramifications of those efforts for the South through the singular success of the southern dairy business. The presence of local dairying operations afforded small towns a measure of independence and stability, allowing them to diversify their economies and better weather the economic turmoil of the Great Depression.

My philosophy towards personal finance is that you need to give as much care and attention to your inner wealth and well-being as you do to your budget, spending habits, savings account and net worth. When you get the two areas working in tandem, that's where you'll find your personal financial flow. Do you want to save money but still live well? Are you dealing with a huge student loan or credit-card debt? Feel like you're locked out of the housing market? If so, this book is the answer. Money Matters features links to online tools and a wealth of practical guidance. Now is your chance to: become debt-free save and budget successfully decide whether to rent or buy your first home understand KiwiSaver set out on the path to financial freedom. Money Matters will show you how to live the life you want and still get ahead financially. Find your flow and the money will follow!

The bestselling author of You Can Retire Sooner Than You Think and host of Money Matters reveals the 10 essential habits for a rich, rewarding, and blissful retirement. What does it take to have a truly happy retirement? Is it money? A mortgage-free home? An active social life? A long-lasting marriage—or maybe a new one? Finance expert, author, and radio host Wes Moss asked more than 2,000 of the nation’s happiest retirees to find out—and their answers may surprise you. Through a series of revealing surveys, Moss noticed a pattern of distinct, recognizable habits that the happiest retirees shared, from the simplest of lifestyle choices to the smartest of financial strategies. These are the kinds of habits anyone can develop—the perfect road map to a healthy, secure, and joyful retirement—sooner. Whether you’re already retired or just starting to make plans, these 10 simple actions and attitudes can make a profound difference in every aspect of your life. The book is packed with hard-won wisdom and invaluable advice on how to make little changes now that will have the biggest impact later. It’s filled with proven ways to develop smarter habits with: Money (“Think river, not reservoir”); Family (“Get your kids off your payroll”); Housing (“Live mortgage-free”); Investing (“Be a tomorrow investor”); Spending (“Be pound wise—so you can be penny foolish”); and much more. With these 10 transformational habits, you can stop obsessing over money, stay socially connected, and start enjoying your new life—as the happiest retiree on the block.

This guide is intended to help farm families prepare a set of financial statements. It introduces the main components of farm financial management, specifically: financial statements; analysis of financial statements; credit and risk management; planning farm strategy.