Financing the Herd: Ag Lending Essentials Part 2
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Financing the Herd: Ag Lending Essentials Part 2

you don't want to be that guy that that

goes out and he's planted his wheat he's

got it Formed he gets some rain and that

wheat pops up and we see them come in

all the time and we see them come sit

down at the barn and try to buy their

wheat cattle and it it just it's a whole

lot cheaper to go out there and find the

guy that does that on a daily basis to

buy those cattle for you so go find

somebody you trust somebody that you

know that that does a really good job of

doing that and it it does it every day

on a daily basis sits through them sell

barns or sets through a video sale or

whatever he may do but he does it that's

his job it's a whole lot cheaper to hire

a professional than it is to try to go

do some of that yourself if you're not

used to doing that welcome to we live it

the live a podcast your source for

livestock market insights management

strategies and real conversations with

those who don't just work in the cattle

industry they live it here are your

hosts tidy Cordova and Casey mayy

[Music]

welcome welcome back to we live it uh

the live live a podcast with Casey maber

and myself Ty de cardova um once again

we have John Sloan on again this is a

part two of a series we decided to do

with John uh the last series last week

we talked about uh Market strategies the

volatility of the market the banking

aspect of all of it this week we're

going to dive into what we call a strand

a strand a strategy or planning um and

and John we've talked through some of

this stuff and Casey we visited about it

you know just the strategy of the

different types of operations whether

it's a wheat grass guy or a feed yard

guy that's going to finish fed cattle so

Casey you want to kind of talk on that a

little bit kind of lead into what John's

going to get to yeah I think we're going

to kind of break this into two parts and

so we're going to do a little bit of

role playing type stuff and so John look

what I was telling you before is uh you

know how do we get to a plan and so I

think you had some great Insight on that

and I think it's going to be very

educational in my mind so I mean we're

going to jump right into it so um let's

play a little bit of scenario and let's

say I'm a guy that's been feeding some

cattle or running some cattle on grass

let's talk about grass first I've been

running some cattle on grass uh you know

maybe I had two or 300 head of cattle

but now I'm starting to get bigger um

now I'm running a th000 or 1500 or 2,000

head of cattle uh my banking's become

more complex uh my scope has become more

complex you know what's I made a little

bit of money on two or 300 head of

cattle really good margins on a dollars

per head standpoint and I wanted to grow

it's kind of like whenever we you know

one scoop of ice cream is good let's go

after about five or six of them so um I

think it's really important to go

through some of the things that you talk

about uh to make sure that we don't

stubber toe or make mistakes and so

again let's talk about the grass guy the

wheat pasture guy the guy that's going

to buy lightweight cattle and sell an

eight weight perfect so that yeah that's

uh that's a great subject and that's

something that we see every day and the

way I like to think of it is uh let's

talk not necessarily about the guy

that's very established been doing this

a long time he got a whole team built

and you know maybe he's a bigger

operator what I'd like to focus on is

the the the person who maybe they're you

know 35 years old they're trying to grow

their business and they're thinking

through all the things you just said

Casey so the way I whether it's a cattle

feeding business or whether uh it's an

advertising agency you have to have a

plan to run a business you have to have

a strategy and the way I I think of it

is I like to break it down into steps so

in the cattle business the first step is

cattle procurement

so if a if a person came in and said I

want to be in cattle feeding i' I'm I'm

looking to buy some uh cattle coming off

pasture to put in the feed yard the

first question I'm going to ask them is

well how are you going to buy these

cattle where are you going to who's

going to help you are you experienced at

that uh how are you going to procure

them so that you can give yourself the

most advantage does that make sense to

you guys yeah it makes a lot of sense

and growing up in that in that industry

where um my dad my grandpa and them had

a order buying company and and we've

bought Catal out sale barn since we were

I don't know me and my brother started

probably started going to sales when we

were 17 or 18 in order buying for for my

dad's order buying company um that's a

real real thing to concentrate on you

don't want to be that guy that that goes

out and he's planted his wheat he's got

it formed he gets some rain and that

wheat pops up and we see them come in

all the time and we see them come sit

down at the barn and try to buy their

wheat cattle and it it just it's a whole

lot cheaper to go out there and find the

guy that does that on a daily basis to

buy those cattle for you so go find

somebody you trust somebody that you

know that that does a really good job of

doing that and and does it every day on

a daily bases sets through them cell

barns or sets through a video Cale or

whatever he may do but does it that's

his job it's a whole lot cheaper to hire

a professional than it is to try to go

do some of that yourself if you're not

used to doing that cuz first thing

you're going to do is get at that cellb

barn and you got to create your seat

Well them guys that come over there

every week they ain't going to let you

have that seat so it's it's a whole lot

better on you if you'll if you'll if

you'll find somebody that you trust to

to procure those cattle for you cuz they

can get it done not saying they can do a

better job than you but they can do a

better job than you um so that would be

my advice so you think they can do a

better job than you yeah exactly well I

can only imagine I mean you think

there's always those guys that we all

think that he can save 50 cents or a

buck a hundred um and he goes and sits

in the sail Barn in his local area and

and and he's thinking about his scope

you know and that in that scope uh the

sail barn might be high that day just

for their uh but even though they see

that new and that fresh Blood come in

there and they just hammer down on him

so yeah the the uh I think back to one

story where I was you know and I was uh

just started out with Cargill and I was

the world po Poker Tour was going on and

I slipped into Golden Colorado and went

in one of those poker rooms and I

thought I was going to take them old

men's money and yeah it's about like

going in there trying to buy calvs in

the sail Barn I'm guessing I remember

going to Barn for the first time and you

know they always talked about this

certain barn out the cattle I mean the

guys there they were tough I mean it was

rugged and you get there and you try to

get in there and start buying cattle and

my goodness my dad would chew me I'm I

mean how are you buying how are they $10

higher than mine well you've been doing

it for 40 years and I haven't so now

they're just they're just taking dead

aim at you and that's just like anybody

you know just fresh blood in the water

you just kind of attack them so what's

the easiest way to get like how do you

get a hold of somebody I mean what's the

I mean how do so let's say I'm going to

relinquish procurement I'm going give a

guy an order I'm going to work with

somebody there's not like an Uber for

for order buyers so what's the easiest

thing to

do talk to your neighbor or talk to some

friends that are doing it talk to

somebody that's in the business and

that's successful in the business and

say hey who who are you using uh who who

PR your stuff for you who procures your

cattle for you or I mean go to the local

markets your local sale barns just sit

down around and watch and and see a guy

that you like what he's doing I mean

like guys sitting there tending to

business buying cattle not buying all of

them not just making the market he's

tending to them he's keeping cattle cost

in this just doing a really really good

job I mean you can go find them guys

that you trust and get a relationship

with them there were some people that my

dad bought cattle for that I never seen

and he might have met once but we bought

cattle for them for 30 years and some of

them my brother still does at at the

order binding company he still buys

cattle for them same people we might

have made them met them one time but we

send them cattle every year and uh so

it's just a once again we go back to

that relationship and and picking the

right people to do business with

somebody you can trust somebody that's

that that'll do what they say and say

what they do so so T what tell me if I'm

wrong but I think I hear you saying is

it's it's probably more important you're

going to make your money possibly on the

buy more than the sell is that

definitely yes sir yep and uh I I would

agree with that 100% so you've got to

have the right strategy going in to buy

procure the cattle because if you do

that wrong you might have put yourself

in a lost position for the whole trade

yeah CU you can sit there and and and

buy a cab that most people think man he

give $101 more than he's worth but you

they ain't looking at the flesh they

ain't looking at the way up the calf

could he could gain 200 lb in two days I

mean just off the feel and off of just a

little bit of 101 care but he's still

Stout enough to work so there's

different different things like that

that you want to look at on your in your

buyer that to make sure that and there's

there's bigger order buying companies

out there that do a really good job of

procuring cattle for you just do a

little research I mean you know just go

out there and research on on what you

like what kind of cattle you want to run

and get somebody you trust I mean we buy

some cattle for guys in Oklahoma and I

sell some C guys for some cattle for

some guys up there that they buy cattle

out of East and and they got a

relationship with the guy they've been

that guy's been buying their cattle for

25 years I mean that's what you want you

want to get that long-term relationship

that's like you said on the last segment

you don't want the guy that wants to

make home runs hit home runs you want to

base hit every time and that's what they

do yep yep I agree 100% um okay so now

we bought the cattle we've bought them

right and we've we own them now so the

next step in the process is uh

operations management taking care of the

animals so we're talking about cattle

coming off pasture and going into a feed

yard so whether that be a feed yard that

you own yourself or you're going to put

them in a feed yard I'm thinking you

guys would agree that the relationship

with that feed yard and knowing are they

are they good at putting gain on cattle

can they do it cost effective is there

going to be much death loss what's the

historics around death loss what's their

average cost per day of feeding the the

animals is that what you typically will

look at I don't know about y'all but I I

look at the manager first who who is

baging that yard um get a relationship

with who's the nutritionist who who

tends to that part who who is the who

helps with the vet and and the that side

of the deal but the main thing is the

manager um there are some really really

good feed yard managers out there and

and a lot of them but then there's some

that you're like oh maybe we don't need

to go back there

um but that was to be the first thing I

looked at if I was if I was going to

transition to that to the FED cattle

deal is who is managing that yard who's

in charge um how does he handle his crew

how how does he what do they what do

they do with their B on their their

feeding and their corn and and how do

they manage that risk and and and all

those things but the manager is a key

thing in in one of those deals in my

opinion yeah I think that and this is

something that's always been very

interesting to me because I've been

having the opportunity to being I mean

the vast majority of feed yards across

the country um and there's lots of

differences in feed yards there's some

that um every fence post is painted uh

there's some that don't have any and it

doesn't really translate into the

performance at the feed yard for sure um

some guys I ask them a lot of times

how'd you figure out about this place or

where do you go when he talking about

custom feed yards uh from that

standpoint um and a lot of it's word of

mouth and I think that's in a lot of the

different businesses and so I think one

big key piece of that is it goes back to

what we talked about again and again uh

building a relation ship with somebody

you trust because there's somebody

that's gr grayer hair than you uh and

somebody that's a little bit longer in

the tooth to you that's been through

these different things and all of it is

is trying to avoid some train wrecks

right and so uh there's there's good

ones I'll tell you that most of the good

one most of the good feed yards are full

uh because everybody sees that too you

know and so that's hard to get into some

of them uh but you got to try to find

your way to line up into there so

whatever geographic location you're in

and so I think one big piece that I talk

to my guys and I've got some feed yard

or some guys that are in South Texas to

where they don't want to feed cattle in

the Panhandle they think it's better to

go to Kansas and vice versa and it just

goes back to bias um and and and and

there's some guys that won't feed cattle

outside of the State of Texas uh there's

some guys in the north that'll never

feed cattle in the South and a lot of

that comes from history but um I think

really just honing in and knowing your

business and digging deep and trying to

learn it um again I think it goes back

to we can't kill the same set of cattle

twice or the same set of cattle twice uh

but I I have a tendency to lean on uh

the network of people that you have in

there whether that's with your

nutritionist that you know uh knowing

you you're as a banker you get to see uh

definitely um under everybody's uh

sheets I guess you'd say say skirt but

she you pick one you know so you get to

see you get to see a lot of things uh

that a lot of people don't get to see um

and so you get to see the good the bad

ugly I guess you'd say yeah I'd agree

with all that the only thing I guess I

would add is when we're talking about

feed yards everything you guys said is

exactly 100% right the the other piece

of that is making sure that that feed

yard which the better ones always do is

have the right record keeping that they

can tell you what what is my cost of

gain what you know on a monthly basis

exactly you know what do my cattle weigh

in these Lots what are they gaining what

are they eating yeah what's the break

even projection going to be you should

be able to get all those reports and if

you can't most likely that's going to

cause you a problem down the road I

would always laugh at my dad that Colin

telling me got a set of cattle finish

and what does he want to do he say what

do you mean what do we want to do you

got we got to sell them they're finished

sell them let's go and I would always

get tickled because his answer would be

the same every time what do you mean

what I want to do sell to some yeah

they're scared to pull the trigger and

sell the cattle cuz they're scared cuz

the last guy chew chewed them out

because they sold the cattle and your

your your dad and those guys are

thinking about man I need to get these

cattle gone and the feed yard manager

might be thinking a buck 100 which is 14

bucks ahead or something you know and

yeah we're want to send more so get them

out of the way let's let's let's keep

going let's keep rolling so well that

was a that was a perfect segue into the

next topic which is marketing cattle and

uh so uh it's just as important as I

believe as as buying the cattle so now

you got to determine the day that you're

going to sell them and you guys know all

that better than I do so let's talk

about that a little bit but as as part

of a marketing strategy I wrap hedging

strategy in there as well because that

is part of your marketing strategy it's

not just risk management you're deciding

when you pull the trigger on those

Hedges basically you're making a sale

whether those cattle are still in the

feed yard pin or not so let's talk about

that a little bit because I think that's

every every bit of this is equally as

important so let let's expand a little

bit on the marketing strategy and and

well Ty what you see Falls that'd be a

little bit of different marketing

strategy on on grazing cattle and wheat

cattle and stuff and then I would let

Casey touch on the marketing strategy of

of the fat cattle and the FED cattle I

mean because that's a kind of a it's two

different two different sets of the

industry so as far as the the grass

cattle and the wheat cattle a lot of

that's predictability of when you want

to ship ship them is is predicted by

weather and especially if you're doing

weed or grass I mean if you got a grow

yard setting it's a little different

however long you want to keep them how

big you want get them get with a program

get it if you're doing a grow yard deal

stick with a

program get get a reputation going okay

this guy keeps his cattle 7580 days he

makes them way 750 to 775 he's going to

have a good set of cattle every 75 to 8

days or five loads or 10 loads whatever

your whatever your deal is but get with

a program and it don't matter whether

you're you're selling them to an

individual or you're selling them on a

video sale or how you're Market them but

you you got to build your reputation

when you build that reputation up the

marketing of the cattle gets easier

because everybody wants them because

they know how they're going to perform

well let take that back everybody either

wants them because they know what

they're going to do or they don't want

them so if they don't want them then you

need to change something you're going to

have to adapt so if you if you see

yourself struggling of getting your

cattle sold maybe you need to reflect

and say okay what do I need to do

different maybe ask them guys why didn't

they like them why aren't they not

coming back did they feed bad so do I

need to do I need to lighten up my

ration where I'm not getting them so fat

do I need to keep a little bit more

condition on them where they're

performing at the next level those are

things that you need to ask yourself if

you're having trouble marketing them um

the grass cattle and the wheat cattle it

all depends on like I said the weather

um but you can you know a lot of the

grass cattle come off the wheat deal if

you got to come off your early grze I

mean your your harvest wheat you got to

come off in March April and then your

grze out April May so just just form you

a

strategy we like to stay ahead of the

market cuz it's here lately it's been

the closer you get to your delivery date

the tighter it is the tighter pin space

is so you know I'm kind of telling my

guys to say try to stay 45 60 days out

uh on some of their on some of their out

deliveries there's some guys that they

can't do that uh they got to get them up

they got to get them in they got to sort

them they got to know what they got so

that's a two week sale but the rest of

them guys where they've run the same

kind of set of cattle for the last

several years they know they kind of can

predict what they're going to do they

can predict their outdate if they get

the weather right so you you got to stay

if you'll stay out a little bit this

Market will it's a little bit easier to

sell them and Market them and if you

feel like you got more outs because

people aren't space isn't so tight so

that's what we've been feeling here

lately anyways on selling those cattle

yeah so I'm going to say on a

flexibility standpoint let's stay on

wheat pasture cattle and grass cattle un

let's really specifically talk about

wheat Pastor cattle so we generally buy

those things when the wheat starts

popping up right cuz we don't know if

we're going to get some some rains

unless you're irrigated obviously but in

Dryland wheat country uh you get the

cattle bought uh you get those cattle

bought in the fall uh we start getting

the wheat popped up we kicked those

things out uh you know Lord willing the

the rains come and the wheat comes and

everything's great like we got a year

like this where you got tons of wheat uh

you got lots of flexibility uh what I

try to do with most guys um and let's

talk about you know you have two periods

where you're going to Market them cattle

March and may right whether you're going

to you know pull them cattle off early

and harvest the we or you going to graze

the kettle out and graze the wheat out

um you got some flexibility there let's

say we're talking about a graze out

wheat pasture deal where you're going to

have some cattle that are coming off in

May where I start to combine and this

just goes back to whatever size you're

at let's say I'm straight wheat pasture

guy this lrp has been tremendous for

that uh what it's been tremendous for is

the vast majority of the years uh the

longer you wait to sell the cattle the

worse the market is now this year likely

is going to shape up a little bit

different than that it feels it feels

like as we turn the calendar the market

just goes higher so uh but most years

aren't like that so seasonally the

market uh puts a peak in kind of in the

January time period and then it

seasonally breaks going into the May

time period so a lot of times what I

recommend to guys TI is like try to

forward sell them weat pasture cattle

you know for the grze out time period if

it looks like the Wheats there um and

then buy an lrp policy that uh that exp

we buy the lrp policy first that expires

in that March April May time period

whichever whatever fits you uh whatever

price period you like there and then we

start to look for an opportunity to sell

those cattle as the market kind of Peaks

out if the market stays low we drag our

feet because the security that lrp

policy allows us that confidence to

continue to do that if the markets at a

raging high like we are right now maybe

you go ahead and sell the cattle and

take the profit where you're at uh and

then you still have that lrp policy in

place and so I think from a from a wheat

pasture grass deal that's the that gives

us uh the lrp allows us to have that

security

um and then have the flexibility to sell

the cattle whenever it works

yeah perfect perfect another one of them

awkward silences again so let's talk

about marketing fat cattle okay so we're

going to talk about marketing fat cattle

for a second because we kind of combined

both these things together so marketing

fat cattle I think that goes back to uh

the feed yard and the relationship that

that feedy yard has so you might have

some feed yards that are just going to

be a Straight Cash seller um and there's

fewer and fewer of those as we've all

been aware of over time but there's a

handful of those guys in all areas that

straight up sell cash cattle so if

you're a producer that loves that side

of it and you want the cash Market you

find a feed yard that does there you

tendency you have a tendency to have uh

more say and what you want for your

cattle um from that standpoint uh but

obviously sometimes that could run to

your detriment as well like you talked

about with your dad wanting to you know

just go ahead and sell the cattle uh

they got other feed yards that what I

would refer to to his own formula uh and

those formulas are different at

different feed yards they're all vastly

different uh but by and large they all

do the same thing and they reward cattle

that are better from a cutability

standpoint and a yield standpoint and

the ones that grade more they they

reward those and then uh so if you got

cattle that are really really good and

you've gone back and bought really

high-end frontend cattle uh from a

conventional standpoint you might want

to grid those uh so that you get the

reward for that so different feed yards

there and again you can ask all the

questions and figure out where to go and

uh where to what what who has what grids

and different Packers have different

scenarios based on Geographic locations

uh from a hedging stpoint and so this is

where I probably we'll probably dig a

Little Deeper on this uh we start to get

a bit a little bit more complex and

really what I try to do is is is

depending on the size of the producer um

the exposure that the producer has we

got varying different risk management

strategies that are in place what I

always recommend is if a guy's got a

couple of pin of cattle or like let's

say it's less than a thousand head of

cattle I'm probably going to push those

guys predominantly to use a forward

contract um to where they don't have a

margin call uh they they can go to the

you know Packer through their feed yard

and just forward sell those cattle on a

basis trade uh and go ahead and price

them and they're just locked in as we

start to get bigger uh you know 500,000

2500 head of cattle we start to get into

more in-depth risk management plans

where we we're using a comprehensive

approach using lrp Liv stock risk

protection

insurance the thing that's synonymous

with that are the same or very similar

as a put

option um we start to get into where we

have brokerage accounts uh managing

margin calls and things like that with

options and Futures uh we start to take

a very hybrid approach between lrp which

is the livestock risk protection

insurance and options short calls

Futures and different things like that

so I'm not going to bore people with

what all those things are cuz we could

get down a big time Rabbit Hole uh but

taking a very very you know a

level-headed approach based on

seasonality timing market prices and

trying to achieve the goals that you

have there so what I would say is find

whoever you have comfort in it doesn't

have to be me or uh it could be whoever

you're comfortable with uh who you can

sit down and have a really deep in depth

conversation with who you like uh

generally speaking um and who's willing

to sit down and have that conversation

with you on what fits your specific

needs um but you mentioned uh as far as

the banking side of things go um how you

know managing margin calls and different

things like that from a from a sector we

might get into that here in a minute but

uh just making sure you have all of

those things in place and somebody can

help you understand that yeah exactly I

I think what you said is there Casey is

the key is the more complicated the the

uh the hedging strategy is the more you

need to rely on the relationship you

have with your broker and really really

having that person explain it manage it

some of these hedging strategies are

fairly simple I I would say some of them

are very very complex and if you're

trying to do it yourself because you

know you watching CNBC that day and

heard some crazy strategy next thing you

know you might not be hedged and you

thought you were so I think certainly as

it gets more complicated those

strategies you got to rely on a

professional that's what I would say on

that yeah and there's been a lot of

times where I'll get on I tell my guys

all the time like hey get your Banker on

the phone let's talk about this because

the last thing that I ever want to get

is to a position to where we have to we

have a plan everything's great we have a

strategy it's all great Market goes one

way or the other and then we have to do

something different because of

constraints and so uh I mean I'm going

to tell you this like get get your

Banker on the phone with your broker uh

get your Banker on your phone with your

feed yard making sure that all of those

things are good because you could have a

plan in place and then things go right

exactly so the first three steps are

really the exciting part of the cattle

business right that's what every

producer likes loves to buy cattle loves

to raise cattle loves to sell cattle

that's what we've talked about so far

well these last two steps are what

everybody hates the worst and I don't

even like it I'm a banker that's

recordkeeping and uh financial reporting

which kind of go hand inand but it

really is two separate steps the reason

I break them up is because the

recordkeeping part is really internal

you're as a as a business owner owner

and an operator or trying to determine

what records do I need to manage my

business and what records do I need to

show my accountant show my banker Etc so

they can do the financial reporting and

when we're talking about cattle feeding

there's lots of different ways you could

do it you could do it on a notebook

paper you can buy software you could

hire a bookkeeper to do it for you so

there's many many ways to do it I think

the only point I want to make there is

you need you really need to think about

where are you trying to take your

business long term and if you're going

to scale it up then put yourself in a

position as you're making these

decisions that whatever recordkeeping

that you have it's going to work on your

business for let's say the next five

years so if you don't really intend to

grow maybe you don't need a uh you know

sophisticated recordkeeping strategy but

if you plan to grow from say 200 head to

you know 2,000 head or 5,000 head or

10,000 head or whatever you probably

want to make sure you've got the the

right systems in place early on so that

you could scale your business and you

don't have to worry about that you know

a year or two down the road because it's

it's it's costly to put those in place

and there's also a lot of training

involved so I I just think that that's

very important because everybody's going

to be asking you for these records and

they need to be accurate they need to be

timely especially when we're talking

about a banking relationship so we

talked about borrowing based reports

when we met last time and those reports

really are not not that hard to do but

they need to be accurate and it's

important for you to know what is my

cost of gain what what am I spending to

uh to feed these pasture cattle or or

whatever on their cost of gain that's a

little different than cattle in the feed

yard so I I make that point to say make

sure whatever you're doing is accurate

and you can do it timely and you said I

think there's several of those good

record keeping marketing tools out there

um that they they've developed them and

and they're really good at what they do

um and if those guys ever want to

advertise or something with us would

would we would love for you to advertise

on the podcast so just look up Katie but

those recordkeeping deals are fabulous

to use I mean just to be able to put

your inputs in and and they have it all

lined out for you they got good training

they can train you on what to do they

can train you how to put your inputs in

there and then it tells you how to do it

all I mean and then it figures it all

for you then and that's something that

your banker and your accountant would

love for you especially if you're SC in

your program up going from 500 to 1,000

or th000 to 2,000 or whatever you have

to have some kind of recordkeeping

system and and you're right that if you

want to research those and go find you a

good one they're out there yep yep yeah

I've got some customers that I mean one

in particular that that guy spends two

or three hours a night going through his

records and making sure it's there and

he does everything pen and paper and

it's a fairly young guy not many people

have the opportunity or the time to do

that especially if you're want to grow

and push and things like that so I mean

a lot of the stuff's automated and then

the days of AI there's probably even

it's easier than what it is and so if

you got any kind of personality type

like I do you need a system I mean for

sure uh that way you could just easily

see it and kind of snow where you're

sitting right there you know so like a

reporting system yeah and then so the

the last piece of that is is the

financial reporting piece it's really

that's likely going to be your

accountant because most you know and I

will say you know we talked about this

is a younger operator we're talking

about probably that's trying to grow

their business business is where we

started this and we haven't said one

word about having to go out and hire

somebody yet so I'm not saying you need

to go hire five people to do these

things you may be able to do them all

yourself if you have the right

relationships with a commodity broker

with a with a cattle buyer with a banker

so and and you have the right software

so we haven't talked at all about having

to hire somebody till now which would

probably be an accountant MH and the

reason that you you think well that's

pretty simple but it's not really and

the reason is is because you probably

need especially if you're going to grow

your cattle business somebody that's

very familiar with not only the cattle

industry but cattle feeding in general

because that's a a cattle feeder

somebody that's turning cattle a lot

that's a lot different than somebody

that's just has a cal calf operation and

maybe they sell Cavs once a year that's

yeah and and you have to have the right

account that's experienced in uh in that

type of work so what I'd recommend there

is you know talk to your your friends

and neighbors find out who who's good at

at what they do and try to find somebody

that can meet deadlines and and I can

tell you that that's getting harder and

harder every day these accountants seem

extremely busy I think there's only so

many really highly qualified ones that

are specialized and it gets more and

more difficult to to get the reporting

on time and that's not usually the uh

producer's fault and I'm not saying it's

really the accountant fa it's just a

reality so do a little bit of research

make sure you find the right one and

it'll pay you dividends in the end I

mean do you have some guys that you that

you work with I mean you're not the same

on here but I mean that you if somebody

came to you uh John and said hey look

I'm I'm I'm frustrated I'm pulling my

hair out um I don't I don't I want to

you know I've got an accountant that

doesn't know anything about cattle I

mean I hear that quite a bit you know um

or is there a list of them out there

that we can find is there somebody that

you could I mean if if I came to you in

confidence uh you can recommend them

yeah I don't know of a list so to speak

but absolutely we'd be willing to give

some names and what I say is you know

those those are about as good as what

you pay for them and I'm not charging

you anything so uh do your own research

because a lot of that's also about

relationship and you you need to know if

they're qualified but you also need to

say can I get along with this person

because you're going to have some very

intimate conversations and uh you need

to make sure that you're comfortable

with the person and you like talking to

them because they're going to know

everything about you

yeah well I think we kind of dove into

most of it is there anything else y'all

kind of want to cover is there anything

else you want to talk about John the

only thing I would say is in each of

these steps deps you can create yourself

advantages over your competition so your

competition really is the next guy

feeding the cattle right and you can

give

yourself Pennies on every head in each

one of these steps so if you do a good

job and all of them you can give

yourself a significant Advantage as

you're feeding these animals through the

cycle so that's what I would say is look

at them all and see see how you can make

yourself more gain without any risk yeah

you're you're talking about like just

kind of creating a plan and and then

having the ability to kind of Step

through that thing versus just rolling

in there and gambling in the cattle

market or buying a set of cattle and

hoping this thing works and I mean one

thing I tell people all the time is like

Hope's not a strategy I mean when when

you hear that all the time I hope the

cattle market goes up I hope it's good I

hope you know I hope it rains you know

there's there's really no strategy in

terms of that but those are not

controllable but controllable is knowing

who's buying your cattle for you and

making sure they're not

cheating uh you know having the the

right you know partner whenever you go

to grass or go to wheat pasture and make

it sure your cattle are there whenever

they go to ship uh going to the feed

yard and making sure that those guys are

going to care for them in the right way

and there's lots of good feed yards I

mean I mean I've got a list a mile long

um and then uh the the bad ones usually

don't don't don't last around very long

they end up getting sold or shut down or

whatever but um and then the the part

that I personally have need to that or

like that I think is vastly as important

as that financial reporting part of it

so you know where you're at and then

again whenever you get to a point where

you've got you know need to buy cattle

or you need to buy more you know I mean

the Market's always going to go up over

time right from from the time that we

were little kids until now you're going

to have some chop in between there my

assumption is if some guy's walking in

with a watered up piece of paper and he

says that's his barring base you're

probably going to not necessarily get

all excited about that but if somebody

walks in there with a lap top and has

these R you know really good financial

reporting tools that you guys are going

to listen and you're going to probably

be more excited about lending money to

those guys compressing their margins

higher or I mean their their line their

note higher and working with them and

driving higher absolutely I could have I

could have said that better myself so if

I walked in on my big big chief tablet

with writing on it you're probably not

going to must been ju Jason redid it all

the other day we had to deal with some

banks the other day and I had it on Big

Chief tab he said give me that I imagine

people's financial statements are

written on the back of a cop I'm I'm a

little bit old I'm a little bit old

school too so I don't really mind Big

Chief tablets necessary but they got to

have the right stuff on them yeah yeah

yeah well once again John thank you uh

John Sloan with a Texas if you got any

questions for John feel free to call him

it's

3884 give him a call he'd love to answer

any questions like you said this

is this is informative we want to be we

want to be more educational that's the

whole purpose of these podcasts well

sometimes we'll get on here and have a

little fun we might do that on the next

one or two but we want to be informative

and we want to we want to educate the

people that are wanting to grow and

wanting to get bigger um something that

we you know we could probably have went

and found it when we was trying to get

bigger but just wasn't readily out there

really available for us um but so just

yeah and if you guys have any questions

whatsoever I mean you feel free to to

message Ty or get a hold of Ty or myself

or I mean we got a whole team of people

that can help you I mean I he wasn't

going to say this a second ago but if

you guys are looking for somebody to buy

cattle he can probably find somebody to

help you oh yeah or at least kind of get

you through those pitfalls I mean we'

this this industry is a family this

industry is a network um and and

obviously there's there's uh easier ways

or easier routes to do this the vast

majority guys in the cattle business are

they're they're a little bit uh I'd say

reclusive sometimes and don't want to

step out there and somebody there's all

kinds of different forms of

communication that you can reach out to

us on he he was saying something earlier

about advice and I think you said

something about being able to call

somebody and ask them a question that's

been there done that they they they're

long in the tooth gray haired they've

been they've been through it all you

know I've been fortunate in my life that

my dad had put me in a lot of positions

to meet a lot of different people and a

lot of very intelligent people and

there's a couple of them guys I can

still pick up the phone and call and say

look I'm beating my head against the

wall on this this deal what do I do and

and they'll they'll walk through it with

us and you need to have those you need

to find those relation they won't give

you the answer they're not going to give

you the answer they're just going to say

no the answer they don't but but they

will say well you know have you tried

this you going to do this might look at

this might do this but they'll walk

through it with you but you got to have

those relationship for them guys to do

it they're not just going to talk to no

stranger but that's what we're talking

about if you're young in this game and

you're wanting to get better and bigger

in this industry build those Rel ships

reach out and talk to those guys don't

be afraid to sit down and just visit one

of them guys go through the sale bar and

sit down and chat with them um go to

these video sales pick your brains or

pick up the phone call somebody well

I'll be at the I'll be at the live sale

tomorrow so if anybody's got any

questions this is all about education

for me we're not trying to sell you

anything yeah we just want to be here

for you if you got any questions so the

best part about it is just like the

title says we live it we all we all in

the business we're all in the industry

we do it on a daily basis so we love

what we do um some days we love it more

than others true true true so but it's

it's a great industry to be in and

thanks again um thank you for joining us

thank you for the Insight on what you do

what you guys do is me and case have

been talking about this for a couple

month month or so now about how all this

ties together in the banking world and

trying to find somebody that would come

on here and be open and and and we might

have shot some pretty tough questions

your way but not be afraid to to answer

them so we appreciate that um not try to

sell something we're just trying to

educate so uh once again thank you guys

for watching the weiv it podcast uh for

live a uh if you got any questions visit

live- a.com um or look up Katie give her

a shoot shoot her an email if you want

to advertise with us um don't forget

once again hit subscribe when you watch

it so so now I'm getting brownie points

with Katie so thank you guys and

remember we live it and we love you

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