Spending Money to Save Money. Farm Style.

It’s a funny thing.  Spending money to save money, that is.  As consumers, it’s easy to get sucked in by marketing schemes such as “buy one, get one,” or “spend $100 and save $25.”  I’m pretty sure if you posses a debit card, you are guilty of buying stuff you weren’t planning on buying  just to “save money.”  And most of us get home after doing something like that and roll our eyes when we realize what we did.  Well, spending money to save money on the farm isn’t quite the same, but it’s a similar concept.

Instead of tying our money up in a Washington bureaucracy, we gave some to this farmer, for his tractor. And he is going to turn around and buy another tractor with it, stimluating the economy in our own way. :)

Well, if you’re a business owner, chances are you’re familiar with an accountant and tax accounting, and you see where I’m going with this.  A couple weeks before the end of the year, Justin and I paid a visit to our accountant.  We had what’s called a pre-tax planning session.  Essentially, the accountant looked at how much money we had taken in (income) and how much we had spent on business expenses.  Take the income minus the expenses, and you have our taxable income.  Taxable income is what Justin and I have to pay our family expenses such as food, shelter, and transportation.

We don’t get much control over the prices we receive for our crops and livestock, nor do we have a lot of control over the costs of caring for those crops and livestock.  This means our taxable income varies wildly from year to year.  Some years we will make a lot of money, other years we will make no money, and some years we will lose money.  In the years we make a lot of money, it is advisable to spend it on business expenses before the end of the year, to reduce our taxable income and therefore our tax bill.  In the years that we make no money or lose money, we will attempt to sell some crops or livestock before the end of the year to give ourselves some taxable income.  It is desirable to try to keep our taxable income with a reasonable range from year to year.  At least, that’s our philosophy.

Well, this year was a good year.  A very good year.  Our income was considerably higher than our expenses.  Which means we had to spend some money or give a huge chunk of it to Uncle Sam.

Think of it this way…

Instead of getting a tax refund, you owe the government $10,000 in taxes on April 15th.  But, you could invest $7500 in your IRA or 401K and only owe $2500 to Uncle Sam.  Which would you do?  Invest the money and pay $2500 or just give the whole $10,000 to help reduce the federal defecit?  I have a pretty good hunch that most would choose to invest in themselves.

So….we purchased a tractor and grain cart as opposed to sending an exorbitant amount of money to our representatives in Washington and Des Moines.  Don’t worry, we will still have a taxable income and will be sending in a healthy chuck of money to take care of our patriotic duty to pay taxes as well as operate our farm more efficiently.

See Russell down by the tire?? The grain cart we bought is huge!! It holds one and a half semi's worth of grain!

7 Years of Reality – Advice for Newlyweds and Engaged Couples

7 years ago today my life was forever changed.  I made a commitment to Justin, God, and my family to honor and cherish my husband until death parts us.  Some of you know, but most of you don’t, that the past year has been a challenging one for me personally and my marriage.  I refuse to go much deeper into to the details, as quite frankly, they are no one’s business.

I am compelled to say this much….

I have some advice for newly engaged and married couples.  It’s probably advice you’ve heard before, and it’s probably advice you will ignore.  But, someday down the road, when all the magic and bliss you are feeling  is completely depleted and you have nothing left to run on but a commitment you made before God and family, you will remember this advice and wonder why in the world you thought you were better or different than those giving it.

Here is my advice…

Marriage doesn’t “just happen.”  It takes work.  Always.  You don’t get to coast, and you don’t get to coexist.  You must constantly take inventory of each other’s feelings and desires and work to reach agreement.  And by agreement, I mean compromise.  Which means that sometimes you will be sacrificing and it won’t feel good.  Once you become married, you give up some of your individuality.  And if you are not constantly communicating and compromising with your spouse you will become resentful.  This happens gradually until one day you wake up and wonder what happened to the bliss you once had.  It will have slipped through your hands and you will be at a loss on how to get it back.  And once you get to this spot it is easy to let Satan into your life and make mistakes.  You will selfishly hurt your spouse out of revenge.  You will bottle it up and go dead inside.  And if you really let it go, you will do both.

Back to the whole sacrificing and not feeling good about it…I’m going to expand on that.  Sometimes marriage requires that you do things for “US.”  Which means that you do things you wouldn’t do as an individual, but you realize that it is something that benefits your spouse, and in turn benefits your marriage as a whole (“US”), and by benefitting “US” you are benefitting yourself.  Basically what I’m saying is that allowing yourself a little discomfort now prevents you from feeling a lot of discomfort and destruction later. No pain, no gain!

There are two words that you should eliminate from your vocabulary… they are “never” and “always.”  The second you believe that you or someone else would “never” or “always” ….do/say/be… something, you are setting that person up to fail.  God is the only one you can say “never” or “always” about.  To do so with a human is to place them on the same level as God.  NEVER say NEVER!  And the second you say ALWAYS about someone, they will eventually prove you wrong!  Good or bad!  We can have intentions as humans, and we can work hard to carry them out.  But we can not be 100% sure of the future or ourselves.

What works for Justin and me, and what I would strongly suggest for all married couples, is to put your agreements in writing.  Contact form.  Signed, framed, and easily accessible.  I know this sounds so unromantic, and that things will always come naturally for you.  And who knows, maybe they will.  And if that’s the case you should have no argument in drafting your contract (hardy har har har!)  It’s a simple little tool that we use to hold each other and ourselves accountable in our marriage, and it has been working wonderfully for us.

Basically what we did was both came to the table with our lists of needs and desires, and negotiated.  Learning about our love languages was helpful for us as well.  Our contract is pretty specific, and we intended for it to be that way, so neither one of us could bend it. Here it is. Short, sweet, and specific…

The Contract of “US”

Entered into by Liz and Justin Nieman

for the good of their marital and family life.

  • Liz agrees to do Justin’s cattle chores 1 day per week during January and February- 3 days per week during March – Every day possible in April and May – 3 days per week during June, July, and August – Every day possible in September, October, and November – and 3 days per week in December.   Justin places confidence in Liz that she will prioritize additional farm work appropriately and at her discretion.  
  • Justin agrees tto do the dishess.  He also agrees to set aside Sundays for family time.  One weekday afternoon per week will be used as a “date night.”  One weekend night per month will also be reserved for “date night”  and can be used in place of a weekday afternoon. Liz places confidence in Justin that he will take the initiative in suggesting and scheduling some of these activities.  
  • 1 family vacation per year and 1 couple alone getaway per year shall be scheduled.  
  • Both parties agree to sit down and schedule family and work time once per week.  Activities will be put on the calendar.  
  • Both parties agree to communicate about and allow for flexibility of scheduling and compromise.  
And finally, I must say that when God is focused on, our marriage improves in ways I’d never have imagined.  The closer to God we are, the harder it is for Satan to take hold.  And taking victory from Satan is a very satisfying feeling.  My last bit of advice for new lovers is to trust God always.  It’s very hard to do, but the alternative is much harder and the consequences are not worth it.  Listen to him, even when you don’t want to.  Learn to discern God’s voice from Satan’s, as that is also very hard to do sometimes, especially when life gets challenging.  Trust that God put you with your spouse for a reason, and that it is his intention to keep you there.  You don’t have to know the reason, you only have to trust that there is one.  Trust in the Lord, and you will be rewarded.
It’s crazy how much has happened in the past 7 years I’ve been married to Justin.  Three beautiful lives have come into this world as a result of our union.  We have experienced highs and lows I couldn’t imagine.  We’ve grown in many ways and we’ve learned a lot.  We have much to be proud of and even more to look forward to.
Justin is my partner in every sense.  We work well together, and we have remained friends through thick and thin.  We’ve been distanced from each other and we’ve taken on challenges together when almost all hope was lost.  When our marriage was worn thin, we kept the dedication to figure things out.  Sometimes it took one of us to pull the other one out of the temptation to give up.  But Satan was never so strong as to get ahold of both of us at the same time.  Our marriage cord was frayed at times, but the one strand that never broke was God.

“There was a man all alone; 
   he had neither son nor brother. 
There was no end to his toil, 
   yet his eyes were not content with his wealth. 
“For whom am I toiling,” he asked, 
   “and why am I depriving myself of enjoyment?” 
This too is meaningless— 
   a miserable business!

  Two are better than one, 
   because they have a good return for their labor: 
 If either of them falls down, 
   one can help the other up. 
But pity anyone who falls 
   and has no one to help them up. 
Also, if two lie down together, they will keep warm. 
   But how can one keep warm alone? 
 Though one may be overpowered, 
   two can defend themselves. 
A cord of three strands is not quickly broken.”

Ecclesiastes 4:8-12

Happy Anniversary Honey, here’s to many more.

Love,

Your Wife


Mud Season

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I was listening to the radio today.  Its 60 degrees in March. In Iowa, that is noteworthy.  And its lovely.  To an extent.  Spring is my least favorite season after winter.  On the farm, spring should really be called MUD.

The radio deejay was going on and on about how beautiful it was outside and how much she loved spring.  My city dwelling facebook friends were gushing about sunny afternoon walks, chirping birds, and open windows. Don’t get me wrong, these are all great things.
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While it seems that no one was noticing the down side of the thawing weather. I was.  I went shopping for extra tall rubbers to wear over my boots.  I darn near fell on my butt wearing said rubbers when slogging through a particularly thick patch of mud.  I pressed the four-wheel-drive button 3 times more than usual while feeding cattle, and my tractor’s windows are splattered with mud.  There is no point in washing my vehicle, as the gravel roads are a soupy mess just waiting to coat a freshly washed vehicle.

There’s another not-so-good side to spring, it’s effects on the livestock.  Rainy weather and wildly fluctuating temperatures are hard on animals who must endure them.  We do all we can to keep them comfortable.  We give them extra bedding and watch them closely for signs of illness.  We spend extra time keeping their pens as clean as possible.  But Mother Nature makes it an uphill battle this time of year.

So my prayer for the spring season goes something like this.  (Written in the form of an Irish prayer in honor of my heritage and St. Patrick’s Day.)

May the sun shine and the wind blow.

May the soil thaw and the puddles dry quickly.

May 4WD be a blessing in times of need.

May your rubbers be the only part of you that gets muddy.

May the snow leave gradually and not return until fall.

and

May your car’s windows stay clear and tires unstuck.



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Celebrating Ag Week

A picture from our county's ag luncheon last year. A couple hundred people always turn out to appreciate agriculture, a good meal, and an opportunity to socialize.

This week many businesses and organizations will recognize National Ag Week.  Around here, all the local papers will have special ad sections where businesses can salute agriculture.  The area chamber hosts an annual luncheon where conservation awards are given to farmers and a local “friend of ag” is designated.  The FFA students attend an ag career fair where booths from ag banks to veterinarians can be visited.

Russell already contributes to agriculture, as a consumer of food. In the future, chances are he will work in the ag industry and contribute even more!

I personally like to take this week to appreciate all the businesses that I work hand in hand with as a farmer.  Equipment manufacturers and dealers. Livestock nutritionists, feed dealers, and feed companies.  Fuel distributors, mechanics, welders.  Accountants, lawyers, banks.  Just to name a few.

Also, there are my customers… the local butcher, the large meat processor, the
farmers co-op that buys our grain, ethanol plants, and cereal and food manufacturers.

And the crazy thing is that all of this boils down to the consumer. So many individuals working together to ultimately sustain each other. And THAT is something worth recognizing!

Too Soon

Well, it looks like I may have jumped back into the pool a little too quickly.  I’ve gotta get back out for a bit and work on some things.  So, I’m taking the month of February off, with the plan being to ease back in in March.

I’ve got other things going on right now that take priority over this blog.  Things I need to get right and on track in order for this blog to start flowing smoothly again.  I know that if I focus on those things everything else will fall into place.  So, hang in there.  I may try to pop a post in if it happens to strike me this month, but I make no promises.

Here are a bits of wisdom I have been leaning very hard on lately:

Never say never.  Anyone is capable of anything.  Good or bad.  To ignore this fact is to place yourself and others at risk for failure.  

Do not let yesterday ruin today.  God gives us new grace every day, do not waste it.  

Don the garment of praise when you are in the spirit of heaviness.  Soon the real feeling will take over.  

God comforts us in the hard times, not out of them. We must first turn to God for strength, then ourselves, then each other. 

Forgiveness is an amazing thing, almost as amazing as love.  It is wonderful to give, and it is wonderful to receive.

Until March.

Liz

Farmers in Hawaii

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USS Arizona memorial. An absolute must see.

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Hammock on the beach. Paradise.

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Kahua Beef Ranch on the big island.

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A vanilla plant. Very delicate and expensive.

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Yes. Almost $5 for a gallon of milk.

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Horseback riding in Hawaii. Now checked off my bucket list.

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On our way to the luau.

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Hula dancers.

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Itty bitty lizard.

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Whale watching boat.

Counting Our Blessings

This is not the post I inteded to publish today.  But circumstances changed yesterday in a split second, and the post that was going to go up today will have to wait for another day.

I have bad news and good news.

The bad news is that my beloved Expedtion is no longer with us.

The good news is that everybody involved in her death is ok.

It seems my family just can’t stay out of the media this week: Afternoon crash blocks traffic in Black Hawk County

Many will remember this letter she wrote to me last year: A Letter from My Expediton  I had plans on expanding her involvement in this blog, and giving her a monthly column.  And now it’s too late. :(

So, the details:

Justin, the kids, and I were in Cedar Falls yesterday on family business.  I was driving and turned left into oncoming traffic, hitting another car.  It was a very busy intersection, and it all happened so fast.  The airbags deployed, and I think that scared the kids more than anything.  Justin lost his glasses but was able to get out of his door, and helped the kids out.  My leg hurt, but I was able to get out of Justin’s door and help him get the kids to safety.  Praise the Lord for good samaritans.  A lady had pulled over and offered her warm car for the kids to sit in.

I have no idea how much time passed before the ambulance and cops arrived, but it wasn’t long at all.  When I got the chance to look at our car, it was pretty scary.  The whole front end was smushed up.  the other car was across the intersection, and other samaritans were helping them.  They looked ok, but the intersection was far too dangerous for us to cross and find out.

The ambulance pulled up to them first.  A paramedic came over and we told them we were ok.  He said the other people were ok, and the amblance crew didn’t stick around long.  This is the important part.  Nobody was hurt.  Praise the Lord. Praise the Lord. Praise the Lord.

Long story short, the cops handled things, called a tow company, and everything was cleaned up and taken care of in less than an hour.  We were all pretty rattled by the whole thing, and my stomach churns whenever I think of how much worse it could have been.

So, farewell old Expediton, you served me well.  Thanks for protecting me and my family.

Parties and Presents

A New Year, A New Start

I’ve fallen off the face of the planet.  I know.

I’m back now.

My reasons for disappearing are deeply personal.  I’m still working on things.  Maybe someday I’ll share.  But not now.

But I’m back now.  And I’m vowing to stay here.

I’v been planning my comeback for a couple weeks now.  And what better time to start than the new year?  I’m not a big resolution maker.  But this year, I’m gonna try it.  I resolve to post three times a week here.  I’m re-committing to this blog.  With the help of Jan at Farmnwife, I’m going to participate in her 31 Days to a Better Ag Blog  group.  I hope it brings some good changes and helps me in my resolution. :)

And to give me another little kick in the pants, we were surprised over the weekend with news that we were on TV.  This past summer, we hosted a camera crew and reporter from PBS. We weren’t sure when the segment was going to air.  It turned out pretty darn good.  Here’s the link to watch it: http://www.pbs.org/wnet/need-to-know/video/video-playing-the-field-ethanol-in-iowa/12742/

2012…Bring it on!

 

 

8th Graders, Conservation, and Agriculture

Mrs. Hogan and a few of her students, headed out to test water quality on her farm.

They have more in common than you may think.  :)  Really.

This past week I had the opportunity to participate in Mrs. Hogan’s 8th grade Conservation Field Day.  It was such an awesome, educational day.  I had a great time hanging out with 70-some 8th graders at Mrs. Hogan’s farm and listening to several different presentations about soil and water conservation.  There were representatives from the NRCS, a crop input company, the conservation station, and a naturalist from the DNR.

Al tossed foods, like yogurt, bananas, and granola bars out to the kids to demonstrate how fertilizer is like food for the soil.

It was a a crisp fall day, a gorgeous day for a field trip.  The bus full of kids rolled in and our first presentation was from Al, a salesman from crop input company.  He told us all about fertilizer and what it means to cropland and why we use it.  He had an interesting analogy to compare N (nitrogen) P (potassium) and K (phosphorous), the three main essential nutrients for the soil  to essential nutrients we need for our bodies.  N is protein, P is carbohydrate, and K is fat.  He had a ton of interesting facts about the nutrients present in our soils and how we must maintain and preserve them.

Surprisingly, no one got pushed into the stream. I was impressed by the good behavior of these kids on this beautiful day.

After Al’s presentation, the kids broke into 3 groups to rotate through 3 sessions.  I was assigned to help supervise a group; our first session included a hay ride down to the small stream that ran through the back of John and Margaret’s farm.  On the ride, Mrs. Hogan distributed various water testing kits and equipment amongst the kids.  When we arrived, they set to work testing the water for various nutrients and other factors.  I was impressed with how well they got down to business and assessed the stream.

The Conservation Station was an awesome educational experience!

This display at the Conservation Station was incredibly interesting, demonstrating the effects of soil runoff and how management of the soil affects it.

Our next stop was the Conservation Station.  This traveling exhibit was abosultely fascinating.  First, the kids got a chance to “own” and develop a piece of land in a watershed.  Then they discussed how their use of the land would affect water quality and what they could do to preserve it.  Then, we moved to a display of different soil preservation techniques and how they are affected by rainfall runoff.  The Conservation Station is sponsored by several different organizations across the state.  I highly encourage you to click on the link and check out it’s schedule of appearances, if you are able, you will get a lot out of seeing this display in person.   The presenters did an awesome job of providing factual information to the students about soil conservation and erosion.

Finally, the group got to learn about soil sampling techniques, and what sort of things farmers test their soil for.  Crop Production Services, a local agronomy company, was on hand with their soil sampling equipment, and the kids got a chance to take a soil sample and discuss the importance of caring for the soil.  (I missed out on this particular session, as it was part of my duties for the day to get lunch ready.)

A naturalist from the Swiss Valley Nature center brought a bunch of furs from native Iowa critters.

We had a nice lunch of ham sandwiches, chips, ice cream, milk, and cookies.  And afterwards, we listened to a naturalist with the Swiss Valley Nature Center.  She told us all about the way Iowa looked before it was settled, and what sort of animals lived here (and still do today.)  She brought a wealth of knowledge and a bunch of furs to show the kids.  I can’t wait to take my kids to the nature center some day!

The day wrapped up with each kid getting a t-shirt from the Conservation Station.  It was such a fun and educational day, I was honored to be a part of it!!  Margaret did an awesome job of putting together a balanced group of experts to educate her students about soil and water stewardship.  I’m certain her students gained knowledge they will appreciate for the rest of their lives.

If you want to see more pictures from my day, click here to view my Facebook album.  

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