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Survival? 🤷🏼♂️
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- เผยแพร่เมื่อ 27 ก.ค. 2023
- ** How can farmers take consecutive poor crops? The answer is they can not!
** Are they too big or small to fail? The answer is no, all size of farms can AND do fail unfortunately for one reason or another.
** Here's another video I did last year on insurance • Crop Insurance? 🤔
Also, for up to date content, photos, and whole lot more, check out my Patreon account!
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Also check our website for more information about our family farm and our new merchandise at
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I remember my dad telling me years ago about two brothers that won a $10 million lottery. One brother said he was going to retire and live a happy life and the other one said he was going to keep farming until the money was gone.
While that took a year.
Wow what a loser! I rather lose my money in margaritaville!
How do you get a small farm....start a big one and wait....😮
@@jone8626 Wrong here in Sweden atleast you pay income tax on it and if it's a big win you pay alot in taxes and it turn all your income to high tax that year also.
Imagine that at least there they have containment networks. Here, in Argentina, they charge us a tax of 33% of the price for exporting soybeans and 12% for corn and wheat. And this year we had a spectacular drought that reduced our production by 50% in all crops. It was a year to forget, but like every farmer, we found a way to continue planting. I congratulate you for your videos and for making your way of working known. Successes.
So sad to see that y’all having a 3 year drought. Hope and praying for all the hard working farmers!! My god bless y’all buddy!!🙏🏻🙏🏻🙏🏻🙋🏼♂️👍
Hang on mike. Tough time will eventually bring success.
We see it trough your videos, your attitude changed. First drought year and second drought year you had fun mentally but this year we feel the struggle in your videos. Hang on ❤
Good day
Here in the land of Australia (Aussie) the only insurance we can take is hail and fire......there was a multi perrel insurance out for a few years......but as far as I k now they whent with the dodo bird
No subs here zero
Road tax on fuel is added and then taken off ?
Self insurance is in the forms of put cheep grain in bins and sell in drought at a much bigger price
Thats it your on your own
Good luck
My dad is 73 and still working on a farm. He works slowly, deliberately, takes breaks in the AC and drinks lots of water in this heat. He also tries to get a lot of work done in the shade before 11am. This is the hottest summer for us in Texas since 2011 by my recent memory. However, I remember lots of 40+ degree days in May and even into September when I was in school in a portable school building with no air.
Thanks Mike, for very clear and thorough explanation! You're great teacher!
Hope next year and North Farm will bring some sort of success.
We feel with you and you're family trough your videos, it's hard to keep up. But lots of respect to you guys. First drought year and second drought, but this year agrain, we understand and feel the struggle in your videos. Hang on there ❤
God be with you and loved ones.
In germany we are getting totally rained out.
After 9 weeks spring drought, you cant harvest now...
Half of the harvest time is over an most have hardly started.
But next year!!! Yeah the glas is half full.
Totally agree, I’m in northern part of NRW and all of the winter wheat is still standing and only like half a day of harvest time every other day.
At least the corn looks good
I agree with Mike about the heat vs the cold. You can put more clothes on to get warm but you can only take off so many clothes before you get arrested 😂.
I'm the opposite, I'd rather equipment run in the heat and dealing with heat than equipment not starting in the cold.
It’s never boring listening to you you tell it like it is with a dash of humor which you definitely need with times like these stay safe my friend
Thanks Mike, appreciate your videos
My heart goes out to you Mike, we all know how hard you and the family work. It just doesnt seem fair, but as you have stated in the past, that is farming. I actually thought it was going to be a good year for you guys as well. I thought the El Nino forming on the Pacific would bring in more rains, but it is just bringing in heat domes because of the very high temps of the Atlantic. You really are stuck between a rock and a hard place.
People in the U.S are complaining about the smoke from the wild fires in Canada. Little do they know, that isnt smoke, that is the smell of Canadians melting in this heat. It has been hot here in Ontario as well.
That's because the El Nino hasn't developed correctly. Right now it is in between states with no indication that it will get where it is going anytime in the near future. I suspect that it will finally get there just in time to make last winter's snowfall totals look like it was just sprinkling all winter.
Thank you for the best explanation of insurance that I have heard. Very discouraging to witness your third crop failure in a row; however, we farmers continue to always have hope that next year will be better. This is a hope for better conditions in the coming year but that may not always be answered quickly as we have learned from experience. Our family suffered a seven-year drought in west Texas in the 1950's and when the rains finally came it was almost impossible to farm because everything was so muddy. The good news is that there was no bad drought event for the next 30 years. Memories of those horrible years remain vivid as we continually are concerned that the current drought will extend. One major difference was that Dad was farming with $1,200 tractors compared with enormous prices of today's equipment.
Not boring Mike great knowledge
Your vids are fantastic. Here in Niagara county New York the rains been plentiful for the farmers. Wish you had got some as well. Stay safe
21:24 you don’t bore us you educate and it’s vital for many of us watching. Thank you so much for all your help Brother Mike I love you for helping us all! ❤️🖖🏼🇺🇸
🙏here in Australia we went through those dry years then nearly 3 years of drought, lucky we had flood year I remember that year was best crops I seen 9t/ha wheat n 5t/ha canola. Hopefully you have better next year.
But no multi peril crop insurance in Australia. Can insure for fire and hail but not frost, drought or too wet.
@@christopherembry8804 chemically incursion is another insurance but you have prove it.
In Australia we have been putting up with all the things you mention for ever. Drought is a big thing here as well as high trmperatures and the only way you get any government help is when you are ready to walk away and then it is in the form of a loan which eventually has to be paid back which makes more debt.
Thank you for explaining to those who dont understand. You said that very well and we at welker farms feel your disappointment in another dry year. But no matter how difficult it may get god is more then good. Stay strong buddy
Are you guys in s similar situation weather wise this year. Wasn't sure how far south the dry area is.
Yes its been very dry.
@@jameshill4900even in southern Alberta (I’m in the irrigation area around Lethbridge) hour and a bit above Shelby where Welker is and the dry land is completely gone 3 weeks ago even the irrigation kinda looking iffy because of water shortages
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I like this kind of straight talk about farmers issues. I learn from this. I pray for better times for you and all farmers so you can feed us & stay in business.
Mike your farm name says it all, Faith- Hope - Farms 🙏🙏🙏
Back in 89,90,91 if memory serves we had 3 years in a row drought in our location, Southern Ontario a few Ike’s from Lake Huron.
Thank goodness for drop insurance, but like you said just gets you by.
I’ve learned just about nobody loves what they do like a farmer. It seems they’re always on the edge to do something like planting, spraying, fertilizing or combining. I’d venture trying to sell a couch to a farmer is kinda impossible.
Couple of clarifications - too big to fail usually means that something is so big and systemically important that it cannot be allowed to fail, rather than that it's so big it won't fail. I'm not sure how the commenter meant it, but that's what the term 2B2F means.
On insurance, you mentioned reinsurers and I think you just meant insurers. Reinsurers are important though as they are the insurers of the insurers, so the give extra capacity to the insurers, and help to spread the risk some more. The challenge for reinsurers though is that they are being hit harder and more often on catastrophes - i.e. floods, windstorms, droughts, etc. that they are not able to put more capital into it, which means that insurers either have to reduce their risk appetite (i.e. not insure where doughts or floods are more likely to happen), or increase their price to make-up for the gap in capacity. Most farmers already see crop insurance (and most other kinds) as a "luxury" or nice to have, so increases in price have a big effect in changing the attractiveness of insurance. And with less people buying, and more expensive claims to be paid, it makes little sense for many isurers to stay in.
In Alberta AFSC the extra insurer is Lloyd's of London. If Alberta has a really bad year they can get money out of the policy but there premiums to them will go up.
It’s hard over here in Western Australia coz we don’t get government subsidies so it’s either get more money of somewhere or sell up and go broke
I’m an adjuster and you explained it perfectly. You should be an agent. 😊
At least guys can get insurance. In Australia we can get fire frost and hail insurance for winter crop. And that only covers the difference between what is left of your crop and the areas average. There is no government subsidy or failure protections at all.
47 degrees, 8% humidity, great harvesting conditions in South Australia :D ....as long as there's no wind
Hey Mike, thanks for giving us insight into some of the management issues you guys got to battle! Every farmer has to be a tough businessman in todays time.
Here in Germany we actually have hektar based subsidies but trust me they come with a LOT of obligations. Like to the point most farmers would prefer to get rid of the whole subsidie system and all the prohibitions that come with it.
That is just not true about farmers wanting to get rid of subsidies. They are some of the most strongly defended things in domestic and EU policy across the EU. Yes, they have significant requirements to meet to get them, but that's a good thing - and clearly not enough to reduce biodiversity decline and nitrogen pollution in most countries, including Germany
@@TerriblyNice_Not th-cam.com/video/S8DjqJdCIYM/w-d-xo.html
This gives a fairly well overview even If the video has some shortcomings.
I think the problem narrows down as follows: yes, modern agriculture does have an adverse effect on nature and, more likely that not, is not long-term sustainable. BUT constant and harsh measures on the supply side are ineffective. Instead the demand has to be controlled. However, that would effect way more people who would not be happy about it and probably not vote the politicians again that put the measures in place. No politician does what's right, they only do what will get them votes in the next period, which is not evil but simply their nature.
@@TerriblyNice_Notyeah because the prices are way too low for farmers to profit. Any farmer would want to survive on just selling what they produce instead of having to rely on subsidies
Modern agriculture practices allowed this area of Saskatchewan to be farmed/cropped into wheat/barley/canola etc. It’s really only suitable for low impact grazing of cattle and I think that was a big part of the Mitchell farm in the past. 3 years of crop failures in a row not common in western Canada.
Still dang tough and disheartening to have to go through.
It depends, usually it isnt this bad to have 3 serious drough years in a row. And 2018 and 2019 were not great. I do agree though it is a tough area to crop, but there are some economics that make sense about it, just the problem is no rain
I like Mike but he's farming a desert
@@motormech1h343 Basically everything from southern SD north is a "desert" or can be called that on dry years.
@@J-1410 yes for sure doesn't seem sustainable it's gonna get dryer
How do you survive question havent been answered though. I think people were expecting more like, well, this is our vegetable patch outside the house, we have 2 hens in that box for eggs, that carcass hanging inside the garage next to my car is a bear we shot last week and Chapel is at the corner of the road with his lemonade and cupcake stand.....😁
I would buy some lemonade.
Keep your head up Mike, here in Alberta it was dry this spring now we are at 11 inches of rain, one extreme to the next
Haha. One year it was so dang hot I worked on the combines at night. Putting up with the bugs was better than the heat.
Mike. That was not a boring video. Good summary.
99-102 today in south louisiana mike😀😀110% humidity
Trudeau is trying his best to hurt the agriculture industry. Stay sane and I hope things turn around Mike
97 F Here today central Mississippi/Alabama state line @ 2:00 pm. F.Y.I. A lot of fluids, water and Gatorade, fruit juices.
Thx for the clear info video, Mike
Hi Mike it has been over 110 degrees fahrenheit or 43 degrees celcius for the month of July here in Las Vegas.
I feel your pain. Farming is in my blood. I miss it. But I don’t miss praying for rain. Need irrigation. Lol. If only hey…
Last summer here in Australia, we were hitting 46 plus degree days . Yes, it was brutal, but the upside winter makes up for it lol with rain and bloody cold.
Mike, I'm From Southern US Like North Carolina. Lol It Is Currently 85 Degrees & It Feels Like 95 Degrees. And Holy Shenanigans Is It Extremely Hot Out 😭 I Would Rather Be In 7 Months Of Full Blown Winter Than To Deal With HOT!! ---- Hope Your Day Is Going Great, Have A Blessed Day & Stay Cool & I Pray Your Crops Do Great This Year. I've Been Watching Y'all For Years Now
A lot of us farmers, here in the UK would swap weather with you right now. July has been a washout just as harvest has started and the first half of August looks just as awful!
We are all revved up with no place dry enough to Combine.
But you have a crop to combine and plenty of other options for land use should you not want to grow a crop.
@@DaveG7920 True. But I have a crop I cannot harvest and that is deteriorating daily, now!
And I am a farmer who naturally wants to grow food rather than any ridiculous so-called non food crops for so-called environmental reasons, while people cannot afford their weekly supermarket food bills.
Well said Mike. We have a lot of similar crap to deal with here New Zealand.
Hi Mike! I m a farmer in France and the subsidies are nowadays no what will save us! Our parents use to have very good subsidies but it is not so anymore! The government keep a few but on te other side we have so many things to respect…many stupid rules…some farmer says that they d prefer no subsidies at all and no stupid rules to respect!
Our insurances are sort of the same as yours!
Diesel is same as your we pay less tax but the government want to stop that😢
Depending on your company, you can get GST off as well
Cheers from France! And thanks for your vids! Very interesting to see the “other side of the world” farming!
Sorry about all the misfortune bud. I hate it that you and some of the other farmers I watch are not getting the rain that you need to produce crops. Many prayers buddy.
You need a cab-top evaporative Air Conditioner and a water supply tank. Works great when not too humid outside. The refrigerated AC for humid days, evaporative can work well on dry days. 4:51
Mike...
Good on ya for going out there and throwing all in... glad to see the no shoes on in the cab come back,.. missing the power jamoca hot shop shakes?
Ok, a little more to the real side of drought & insurance farmin..
Seed, fertilizer & chemical,... central and eastern
Oregon went through about 7 years of drought..
They found a company that would pre sell inputs, fert, chem, seed then uitly, don't take full delivery, of product, then get a refund for 85% of supplies....
Documenting with original receipts .
Then put that 15% of inputs down there about 8" 's... no harvest worries?
We are one of the farms who has never taken out crop insurance. We have not lost enough crop to hurt us. One winter we lost some alfalfa do to a freak January thunderstorm that caused a lake over the alfalfa and killed it.
I did get nervous this spring though with the drought. We did lose 20bu average on our wheat. Corn is uneven for a lot of farmers in my area.
A lot of it depends where you are...my area of SW Ontario has very "stable" weather for the most parts, droughts are rare, hail is rare...could probably get by without insurance...south sask sounds like its very drought prone ..so much riskier to run without insurance. Fwiw in my case i think i collected insurance 4times in 30 years... but 2 of those times saved my bacon as i was just starting out
We are required by farm credit to have insurance on all our crops irrigated and dry land. You would be lucky to get out your inputs on a crop back from insurance no help with equipment payments. Still some people in our area can work the insurance to make money I don’t know how they do it
Been dealing with the Florida heat for 60 sixty years and it never gets easier ✌️
I don't understand how you guys can survive Mike. I tip my hat to you. You are correct when fertilizer doesn't move in the soil without rain to leach it down, or with deep tillage to move it down in the soil profile. Nitrogen can evaporate if it isn't tilled in or rained on. But the rest will still be there. Hope your harvest is more bountiful than your last one. God bless 🙌
Hang in there! Cheers from Sweden!
I understand what your talking about Mike. I've had 3 bad flocks of chickens in a row and it has me on my knees. Only think left to do is 🙏
Love these videos and the field/crop tours. Thank you.
Temperature in central Florida yesterday was 94 f heat index 104. We put a quarter mile a day of fence up in this heat. It’s crazy hot.
Your finger doesn’t hurt as bad if you hit it when it’s over 40c 😂
We had 3 yrs of little to no crop 6yrs ago in Australia and had to get creative with bulldozers to try survive, still feeling the effects. Unfortunately insurance in Australia is basically fire and hail, can’t really insure for lost income. Then add on virtually no subsidies it’s no wonder we are nuts😂😂
sending love from Australia mate!. hang in there! ❤
Mike ,here in Toba we can run dyed diesel in farm trucks. Just sucks about the drought.
I always learn-- thanks mike!
Like house insurance in Florida so many reinsurance companies went broke from hurricane IAN
Agroinvest has saved me past 3 years. Tough times around the outlook area. Goverment stated this rm a disaster zone.
2016 I had an amazing crop. 2017 was alright but my wheat was 70% hailed out. 2018 we had a bad frost in August which ruined the crops. 2019 crops were snowed under, and left to harvest in the spring. 2020 we had so much rain the crops were complete crap. 4 bu canola kinda stuff. 2021 was a drought. Last year was average and this year looks like it will be ok. But all of those bad years pulled my average way down. So by 21' the insurance pay out was very small. That was the longest run of bad years in a row for us.
In greece if you dont have insurance you cant seed, the cost for cotton is about 30euros per acre
Thanks Mike.
In Brisbane, it's more the humidity than the heat, we get to 35/35C plus easily during summer, currently in late winter and 25C, pleasant.
The thumbnail says it all, Mike! Absolutely soul destroying.
Great video Mike
We're all in the same boat, Mike. Our hay crops this year are averaging less than 1.5 bales/acre, at least so far. I'm hoping the next field or two can bump that up a bit, but it's still a far cry from last year's 4.9 bales/acre average overall (a bale is roughly 1400lbs in a 5x6-foot round bale, at least for us). I'm just glad we have some carry-over from last year in terms of feed, or we're gonna be in deep trouble.
Fascinating video Mike! I’m sorry that times are tough and the future equally uncertain. It seems to be that way across the world at the moment. Keep positive if you can, and talk to friends if you need to. 🫂
Thankyou Matt! I just like talking about agriculture and the challenges that we farmers face everyday. One day we'll have to talk about the mental health that farmers face. 🙂
Hey Mike have you thought about seeding winter wheat???? Maybe try a couple hundred acres over this winter i bet your winter snow will provide a good amount of moisture for winter wheat.
Winter wheat has to start growing before winter starts if it does not the seeds will rot in the ground.
Wish I could share some rain with you, 3 inches of rain a week here in maine since the middle of May
Heh, love that you're hiding from the heat in your AC cab! Heat is tough on the body, keep up the fluids and wear sun protection Mike.
Great video today, totally get that you are gambling with insurance, betting against a disaster season, which the premium is the bet. Aussie is very similar, but no insurance against drought, I knew of guys who didn't insure but set aside considerable funds as a backup, then if they didn't need it they still have the cash down the track..
Mike it is a hundred degrees farinhite where I live in north Idaho.
39c is like 102F…
As much as I dislike wind turbines and solar panels being placed on agricultural land, it might be a good way to subsidize your farm. Not sure what kind of programs Canada has, but it's worth looking into.
Were looking at 4th year of crop failure from water logging in south east west australia
Sheep are our savior, they always do well, wool and meat
If the sheep fail from dry the crop is good, were in a high rainfall area so a dry year is still 12in of rain in the year
This year we've had 18in already
The sheep never really fail but if we have to buy in feed the profit is not there
Insurance isnt a thing in australia, you can i sure for fire but if you ever claim the insurance company will set your premium sp high theyll recover thoer costs the next year lots of farmers self insure now, its just too expensive
Lake front property....😮 .....I just want to come out to the Saskatchewan Seal Hunt.....when is it on this year?
my big toe is throbbing here comes the hail. Brilliant Mike lmao
Running a business well is managing money in the good and bad years. For any business. Easy to spend yourself broke. Not easy to spend yourself profit. I do not know how to get ahead much these days and not spend while still getting all the work done. I farm thousands of acres, not a little garden.
Wow. SW SK is fifty shades of brown.
Only hail/fire insurance in Australia, no subsidies only diesel fuel rebate for off road
You can't get production insurance, ie yield guarantee based on your past averages??
@@dirtdevil70no we do not have insurance like that. If you have a crop wipeout from drought or flood you have to self insure in otherwords you eat the losses and keep adding more debt to the farm.
@darrylpaulhus3069 ahh see here in Ontario, Canada we purchase production(yield with sole quality factors)insurance...hail ,insect ,disease and other WEATHER related losses are covered .. can choose various levels from 70-90% of 5 yr average yields.. rates vary but if you a good claim history rates are discounted (up to 30%), poor history leads to surcharges.. system works well imho
@@dirtdevil70 similar to saskatchewan crop insurance i grew up in Saskatchewan but live in Australia now.
Interesting explanation about insurance. We have never had insurance on our farm with the exception of two years hail insurance, Never collected on it though. I still don’t understand how insurance works, every time we get quoted we are told we wouldn’t get paid out anyways.
Im farmer from croatia, europe
This is worst year i can remember, weather is killing us, and last 2 where preaty bad but we survived. Every crop i seeded im harvesting with loss of money. If next one gona be bad as last few i think il give up. I dont mind 18 h work. But i mind if i can not put food on the table for my kids. After 3 generation of farming i am the one that will put the key in the lock and that is killing me with stres
i kinda wish we could get more small farms back instead of all these huge farms taking all the land and increasing the prices of equipment and land everywhere.. if enough insurance companies pull out and these large farms can't insure there would be a hope of small farms making a comeback
Every farmer has his problems. We in central Europe face insane prices for fertilizer because of Russian war situation. Fertilizer prices went 4times up, now they are 2 time the price. Right now we are paying 300 Euro for 1 tone of 30%N. Year ago it was almost 700. Stay strong Mike, good times are coming
10:04 Welker’s need Hail insurance for sure. Every year for the last 3 they lost substantially over Hail. I don’t remember what happened with you Brother Mike I don’t remember you having much Hail I’m wondering if there’s Drought insurance you should try to have that. God Bless you all! ❤️😌🖖🏼🇺🇸
Read Gabe Brown’s book. You might have? Your soil can help you get thru droughts.
WHen the government subsidizes stuff the consumer almost never benefits. Where does teh subsidy go? Into the pocket of the seller (insurance co, etc) as they raise the price almost the exact amount of the subsidy.
Its a dry heat though right? LoL.. ive never seen 40C. .but 35C with high humidity is a killer..cant breath, cant drink water fast enough to stay hydrated, cant escape it in the shade
The content of this video is as good as it can be. This is why Canadians need to wake up and understand that big governments has been the worst thing we could have ever done. That being said, it's now time to actions. Who in this country, will be Canadian enough to lead a platform that will act at making the government small enough so that, whomever is voted up to power, it will work for Canadians? Actions is key for all not for farmer/entrepreneurs only. Choice is important. Anyway enough yapping from my end. Thank you Mike for sharing your reality and may God keep on blessing you and your love ones as well. Cheers
Rule 1-10 is cashflow on a near worse case scenario. We've had 3yrs drought hell no insurance . Auction the x9's and fendts go to early 2000's equipment and have a positive cashflow
Yeah I’m from Texas Mike so y’all’s hot is nothing. I work out in 100 degrees Fahrenheit almost everyday. And mind you it hasn’t really gotten below 100 degrees for a high in almost two months.
Very informative video. Only question is which private insurance would have lower premiums than the government subsidized crop insurance?
I think that about you guys when the extreme cold hits. How do they do it?
Magnifique matériel agricole 😮😊
Didn’t see any
We've been told that we can expect this up till 2025 and then it will taper off and slowly get better, problem is our deficit is so big on moisture, normal moisture won't cut it, we've had a fluke rainstorm of 4 in and you couldn't find it.
At least the north farm had rain
I'm with ya Mike, I would gladly take -40 over +30 any day of the week.
This is where Faith comes in. Philippians 4:19
It was 108 F here in southwest Wisconsin