The document discusses USDA Farm Service Agency loan programs for farmers and ranchers in Kansas. It provides details on direct and guaranteed loan options for farm ownership, operating costs, microloans, emergency loans, and storage facility loans. Eligibility requirements include being a farmer or rancher unable to secure commercial credit and having a satisfactory credit history. The document outlines various loan terms and limits and provides contact information for the Kansas FSA office.
It describes different lending schemes of IMF along with eligibility criteria and access limit under concessional and non-concessional conditionalities.
It describes different lending schemes of IMF along with eligibility criteria and access limit under concessional and non-concessional conditionalities.
“Straight Talk, Straight Actions” says it all in the title of this high energy, no-holds-barred approach session. Straight talk on the global economic trends that will impact your business bottom line and decision making will be presented in a manner that links global economics to your farming operation, family, and personal life.
Straight actions in business and financial decisions will be discussed as to what actions need to be taken to keep the business on course and also position it for new avenues of success. “Straight Talk, Straight Actions” will provide insight and answers to the most common questions asked by producers, owners, and managers. This energetic session will provide information and perspectives which will be invaluable not only to your business but also your personal life.
Powerpoint presentation on the 2012 Farm Bill process and agricultural policy and market conditions influencing the legislation. Presented at multiple events throughout Missouri in April and May 2011.
“Straight Talk, Straight Actions” says it all in the title of this high energy, no-holds-barred approach session. Straight talk on the global economic trends that will impact your business bottom line and decision making will be presented in a manner that links global economics to your farming operation, family, and personal life.
Straight actions in business and financial decisions will be discussed as to what actions need to be taken to keep the business on course and also position it for new avenues of success. “Straight Talk, Straight Actions” will provide insight and answers to the most common questions asked by producers, owners, and managers. This energetic session will provide information and perspectives which will be invaluable not only to your business but also your personal life.
Powerpoint presentation on the 2012 Farm Bill process and agricultural policy and market conditions influencing the legislation. Presented at multiple events throughout Missouri in April and May 2011.
The seminar is intended for executives and Human Resource leadership. This seminar will focus in particular on non-profit and government employers, who may have employees eligible for Public Service Loan Forgiveness.
Under PSLF, non-profit and government employees could be eligible to have their federal loans forgiven after 10 years. The first round of forgiveness starts October 2017. We will cover a broad range of student loan topics, including:
• Student loan legislation and policy updates
• Public Service Loan Forgiveness
• Employer responsibilities on PSLF certification
• Student loan impact on workers
• Options for employer student loan benefits
American Ranchlands Capital LLC Investor DeckWes McCrimmon
Introducing American Ranchlands Capital LLC,
a Preservation Capital Partners offering.
American Ranchlands Capital is a specialized, private placement, credit fund. The opportunity is proprietary, low LTV, fully collateralized loans to Agricultural (farms/ranches) and Small Balance Commercial Real Estate borrowers.
-Targeted Minimum Annual Distribution of 8%
-Portfolio LTV not to Exceed 55%
-2 Year Minimum Commitment
American Ranchlands Capital LLC Investor DeckWes McCrimmon
Introducing American Ranchlands Capital LLC,
a Preservation Capital Partners offering.
American Ranchlands Capital is a specialized, private placement, credit fund. The opportunity is proprietary, low LTV, fully collateralized loans to Agricultural (farms/ranches) and Small Balance Commercial Real Estate borrowers.
-Targeted Minimum Annual Distribution of 8%
-Portfolio LTV not to Exceed 55%
-2 Year Minimum Commitment
Similar to FSA Farm Loan Opportunities - Robert White (20)
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
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FSA Farm Loan Opportunities - Robert White
1. 1
USDA Farm Service Agency
Women Managing
the Farm
2017 Conference
Our mission is to deliver timely, effective programs and
services to America’s farmers and ranchers to support them
in sustaining our Nation’s vibrant agricultural economy, as
well as provide first-rate support for domestic and
international food aid efforts.
2. 2
USDA FARM SERVICE AGENCY
• Kansas FSA:
– 96 County Offices in 105 Counties
– Management Team
• County Executive Director
• Farm Loan Manager/Officer
• Program Technicians
• County Committee (Farmer Elected)
• USDA Service Centers:
• Farm Service Agency (FSA)
• Natural Resources Conservation Service (NRCS)
• Rural Development (RD)
3. 3
Fiscal Year 2016 Accomplishments
• During FY 2016, Kansas funded 1,492 loan
applications. In excess of $221 Million was
provided in both Direct and Guaranteed loan
programs.
• Loans made increased more than $29 million
over FY 2015, or a 15% increase.
• The $221 Million loaned in FY 2016 equates
to approximately $879,500 every working
day.
Fiscal Year: October 1, 2015 – September 30, 2016
4. 4
Fiscal Year 2016 Accomplishments
Current Loan Portfolio
$807 million:
• 3,426 Direct borrowers with a total
indebtedness of $496 million.
• 987 Guaranteed borrowers with a
total indebtedness of $311 million
Fiscal Year: October 1, 2015 – September 30, 2016
5. 5
FARM LOAN PROGRAMS
Farm Loan Programs provide loans, loan guarantees, and business
planning to eligible farmers, ranchers, and others to promote, build, and
sustain family farms in support of a thriving agricultural economy.
Who are our potential customers?
• Beginning farmers and ranchers
• Farmers whose needs may not be met by commercial credit
• Multigenerational family farms
• Socially disadvantaged farmers and ranchers *
• Value added farming operations
• Organic and specialty farmers
• Farmers who have hit hard times and now require a safety net
6. Eligibility
General Eligibility Requirements typically include:
• Be an operator of a family farm;
• Not be delinquent on Federal debt;
• Have a satisfactory history of meeting credit obligations;
• Has not caused the Agency a loss through debt forgiveness;
• Must not have had a violation with Federal Crop Insurance;
• Be a citizen of the United States, US non-citizen national, or a
qualified alien under applicable Federal immigration laws;
• Be within the time restrictions as to the number of years applicants
can receive FSA assistance.
• Have sufficient managerial ability to assure reasonable prospects of
loan repayment;
• For Direct Farm Ownership (FO) loans, applicants must have
participated in the business operations of a farm or ranch for 3
years;
6
7. Guaranteed Loans
FSA provides a guarantee of up to
95% to a commercial lender
(such as a Bank or Farm Credit).
Loan limit of $1,399,000.
7
8. Guaranteed Loans
• Farm Ownership (FO) – Funds may
be used for the purchase or
improvement of real estate or
refinancing. Loan terms are limited to
40 years or less.
8
9. Guaranteed Loans
• Farm Ownership (FO)
• Operating (OL) - Funds may be
used to purchase machinery or
breeding livestock, or for
refinancing. Loan terms typically
limited to 7 years. 9
10. Guaranteed Loans
• Farm Ownership (FO)
• Operating (OL)
• Line of Credit (LOC) – Funds to
be used for annual crop or
livestock inputs. Maximum term of
5 years.
10
11. Guaranteed Loans
• Farm Ownership (FO)
• Operating (OL)
• Line of Credit (LOC)
• EZ Guarantee – Limited to $100,000,
simplified application process for any
of the above loan types and
purposes.
11
13. Direct Loans
For FSA Farm Loan
Program (FLP) direct
loans: Eligibility
includes a requirement
that the Applicant be
unable to obtain
sufficient credit
elsewhere at
reasonable rates and
terms.
Examples:
–Inadequate
security margin
–Limited cash
flow
–New operation
–Recovering from
a financial loss 13
15. Down Payment FO Program
• Required down payment of 5%
• FSA’s interest rate is 1.5%, fixed
• Max loan term of 20 years
• FSA lends up to 45% of purchase price (FSA’s
portion not more than $300,000)
• 50% of financing from participating lender
• Must be an Underserved Applicant or Beginning
Farmer
15
16. 16
• Loans to Beginning Farmers & Ranchers
– In addition to general eligibility requirements, a beginning
farmer/rancher may qualify to purchase real estate with the
following additional conditions:
• Has not operated a farm for more than 10 years.
• Does not own real farm property or who, directly or through
interests in family farm entities owns real farm property, the
aggregate acreage of which does not exceed 30% of the
average acreage of the farms in the county where the
property is located.
• The average farm size will be based upon information
obtained from the most recent Census of Agriculture.
Information on average farm size by acres is available at the
local FSA County Office.
FARM LOAN PROGRAMS
17. 17
Definition of Underserved Applicant for Farm Loan Purposes:
A group whose members have been subject to racial, ethnic, or gender
prejudice because of their identity as members of the group without regard to
their individual qualities.
These groups consist of:
Women
American Indians
Alaskan Natives
Asians
Hispanics
Native Hawaiians or other Pacific Islanders
Blacks or African Americans
A certain percentage of farm loan program funding is targeted for Underserved Applicants.
FARM LOAN PROGRAMS
19. FO Participation (50/50) Loan
• No minimum down payment required.
• FSA loans 50%, participating lender 50%.
• FSA loan rate of 2.5%, fixed for up to a 40
year term.
• $300,000 loan limit for FSA’s portion.
19
20. FO 100% Loan
• No minimum down payment required.
• FSA loans up to 100%.
• FSA loan rate of 4% (Feb. 2017) fixed
for up to a 40 year term.
• $300,000 loan limit.
20
21. Direct Loans
• Farm Ownership (FO)
• Operating (OL) – Funds may be used for
annual inputs, or machinery and breeding
livestock purchases. In some cases, for
refinancing debts. A maximum term of 7
years, with amortizations up to 21 years.
2.875% interest rate (Feb. 2017) $300,000
loan limit.
21
22. Direct Loans
• Farm Ownership (FO)
• Operating (OL)
• Microloans – Loans up to $50,000,
reduced application requirements and
potentially less security necessary.
Either of the above loan types and
purposes.
22
23. Marketing and distribution expenses
Purchase of livestock
Minor farm improvements such as
wells and coolers
Annual operating expenses such as
seed, fertilizer, utilities and land rents
Loan amount limited to $50,000
23
~ FSA Microloans can include ~
Initial start-up expenses; such as: hoop houses to extend the
growing season
Essential tools or equipment needed for the operation
Irrigation equipment
24. Direct Loans
• Farm Ownership (FO)
• Operating (OL)
• Microloans
• Emergency (EM) – Actual Loss loan
amounts are based on losses from a
declared disaster. Interest rate of
3.875% as of Feb. 2017. $500,000 loan
limit. 24
25. Direct Loans
• Farm Ownership (FO)
• Operating (OL)
• Microloans
• Emergency (EM)
• Youth (YL) – For applicants 10 to 20
years old, participating in 4-H or FFA.
2.875% interest rate (Feb. 2017). $5,000
loan limit.
25
26. Farm Storage Facility Loans
In addition to Farm Loan Program (FLP) loans, the
FLP staff in Kansas administer Farm Storage Facility
Loans (FSFL). The FSFL Program provides financing
for producers to build or upgrade farm storage and
handling facilities, as well as purchase of equipment.
Qualified facilities include grain bins, hay barns and
cold storage facilities. The current fixed rate for a
seven year loan is 2.25% (Feb. 2017). Unlike FLP
loans, eligible applicants may be able to obtain credit
elsewhere.
26
27. Farm Service Agency, Farm Loan Programs
Guaranteed Loans
• Farm Ownership (FO)
• Operating (OL)
• Line of Credit (LOC)
• EZ Guarantee
Farm Storage Facility
Loans
Direct Loans
• Farm Ownership (FO)
• Operating (OL)
• Microloans
• Emergency (EM)
• Youth (YL)
27
28. Farm Service Agency, Farm Loan Programs
For current interest rates, additional
information, or application materials see:
http://www.fsa.usda.gov/programs-and-
services/farm-loan-programs
or contact your local FSA Farm Loan Team
28
31. Contact Information
Bob White, Farm Loan Chief
Kansas FSA State Office
3600 Anderson Ave
Manhattan, KS 66503
PH: 785-564-4759
Fax: 855-782-9610
robert.white@ks.usda.gov
USDA is an equal opportunity provider, employer, and lender
31