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May 22, 2020 | 08:25 1 What has changed with the advanced payment program to make them so slow processing applications? Did AAFC change something? Reply With Quote
May 22, 2020 | 10:18 2
Quote Originally Posted by NoBS View Post
What has changed with the advanced payment program to make them so slow processing applications? Did AAFC change something?
I think they have new credit check requirements and people working from home. ...

Meanwhile they tossed billions out to the general population and are going to look for the scammers next year....as in never...
Last edited by bucket; May 22, 2020 at 12:30.
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  • May 22, 2020 | 15:47 3 I said it a lot earlier there are big acres not being seeded.

    There is so much tied up in security that it will take months for some.

    All our farm groups patted them on the back for a fk d up job of doing nothing. Fcc only got money for processors and if small farmers want to sell out to Chinese or other corporates they have more money for those loans that will all get lost in the bankruptcies that we ve all seen.

    Totally lost lending institution no direction of keeping Canadians actually farming. Shouldn’t be called farm credit but transfer your farm to a foreigner or large corporate credit. Reply With Quote
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  • May 22, 2020 | 16:10 4 Farm with cash. Quit living beyond your needs and means. Then there's no need for FCC cga etc etc Reply With Quote
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  • makar's Avatar May 22, 2020 | 16:31 5
    Quote Originally Posted by Zephyr View Post
    Farm with cash. Quit living beyond your needs and means. Then there's no need for FCC cga etc etc
    You must be a pipeline welder. Reply With Quote

  • May 22, 2020 | 22:38 6
    Quote Originally Posted by makar View Post
    You must be a pipeline welder.
    Or using daddy’s money Reply With Quote
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  • May 22, 2020 | 23:20 7
    Quote Originally Posted by Zephyr View Post
    Farm with cash. Quit living beyond your needs and means. Then there's no need for FCC cga etc etc
    Same could be said for the rest of the population so the government didn't have to throw 250 billion into the economy...

    You do realize they are paying people to watch Netflix...

    Give a farmer money and he will be working.... Reply With Quote

  • May 23, 2020 | 04:12 8 Nothing more dangerous than a farmer with money Reply With Quote

  • ColevilleH2S's Avatar May 23, 2020 | 04:29 9
    Quote Originally Posted by caseih View Post
    Nothing more dangerous than a farmer with money
    Give a farmer five dollars, and he'll go to town and spend ten. Reply With Quote
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  • May 23, 2020 | 06:39 10 He might even spend fifteen, because man that crop that is 3 months from being in the bin sure looks good. Reply With Quote
    May 23, 2020 | 08:47 11 2.3 billion sitting in agri invest accounts. Perhaps govt should give assistance to those that have used it up and are still struggling due to matters out of farmers control. instead of looking whats in farmers accounts as a whole. Reply With Quote
    May 23, 2020 | 10:03 12 Using other people’s money works. Until it doesn’t. These guys have a point in saying to use your own cash/ live within means etc.. I guess I can see both sides, because I was on the one side and I got burnt. Now I am more on the other side I guess.

    Hard to understand unless you are hit by multiple years of pure crap. Most will be fine with this system, because multiple years of pure crap seems to be rare generally. But some of us who have had multiple years of crap are not.

    Nothing is scarier, or more humbling than losing multiple crops and then being unable to pay back other people’s money in a timely manner.

    It works, until it doesn’t work. Reply With Quote
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  • May 23, 2020 | 11:11 13
    Quote Originally Posted by woodland View Post
    Or using daddy’s money

    Or build a business from the ground up and have the discipline to grow it with cash.


    It's a massive hindrance in Canada. Debt.

    Every person business farm etc has so much debt, these entities have no freedom or power over their destinies.

    Small businesses in Canada have so much debt, it doesn't add to productivity.


    If taking new debt doesn't increase output and profitability it is bad debt.

    Every dollar of debt you take on has to increase productivity by $1.50 or it isn't worth the risk.


    There are some farmers and business people with low debt levels and cash reserves these will be making a killing going forward Reply With Quote

  • May 23, 2020 | 11:33 14 I like your thinking Zephyr, but in a country with punitive and regressive personal income taxes, how does one save up the capital to start a business in the first place? The system is almost designed to force entrepreneurs into debt. Reply With Quote
    May 23, 2020 | 12:13 15
    Quote Originally Posted by AlbertaFarmer5 View Post
    I like your thinking Zephyr, but in a country with punitive and regressive personal income taxes, how does one save up the capital to start a business in the first place? The system is almost designed to force entrepreneurs into debt.


    You're right.

    The TFSA was a good start. A fund to allow persons to put their income into an account tax free for 8 years with no limits on the condition they start a business with those funds within the 8 year period would be a good start.

    An incubator of sorts.


    Banning foreign ownership and investment in single-family homes, individual condos, and individual townhouses.

    Rejig our money laundering surveillance, policing, and prosecution systems with hefty fines and seizures would bring in billions of income while stabilizing home prices.


    For a country our size, with every building material available within the nation and surplus land a "normal" (non-luxury) single family home should not be worth $1,000,000 never mind $3,000,000.


    Rejig immigration to bring in people with skills from known countries that have skills, perhaps help some move that have talent and drive but aren't able to come on their own.


    There would need to be supports in place for the bloodbath a 50% drop in housing would cause, but we are already in a position of uncharted territory.


    Build out our energy infrastructure. Oil/gas, electricity (Manitoba and Quebec need to be able to sell their renewable power across a national grid), hydrogen, geothermal, biomass.

    High speed train or Hyperloop tech connecting every Canadian city over 175,000 people. Power it with green/renewable energy from dams, geothermal. Build it now and put 50,000 Canadians to work. The effect it would have on GDP would be incredible.


    Build out our nuclear power capacity.


    Increase export capacity through more/new/upgraded port facilities on all three coasts.

    Make inputs (land, buildings, power, resources) efficient and cheap to get. This will spur manufacturing and allow people to work good paying jobs.

    Agriculture - disband FCC. Replace it with FSA type system. Max loans $1,000,000 max farm size to use 1500 acres. Interest free for a decade to those wanting to start a farm. We need more, smaller, diversified producers. Same for processors.
    Production needs to be decentralized.



    I can go on. But we're way off topic already! Reply With Quote

  • May 23, 2020 | 12:20 16 Zephyr for Prime Minister. Reply With Quote
    LEP
    May 23, 2020 | 13:06 17
    Quote Originally Posted by Zephyr View Post
    You're right.

    The TFSA was a good start. A fund to allow persons to put their income into an account tax free for 8 years with no limits on the condition they start a business with those funds within the 8 year period would be a good start.

    An incubator of sorts.


    Banning foreign ownership and investment in single-family homes, individual condos, and individual townhouses.

    Rejig our money laundering surveillance, policing, and prosecution systems with hefty fines and seizures would bring in billions of income while stabilizing home prices.


    For a country our size, with every building material available within the nation and surplus land a "normal" (non-luxury) single family home should not be worth $1,000,000 never mind $3,000,000.


    Rejig immigration to bring in people with skills from known countries that have skills, perhaps help some move that have talent and drive but aren't able to come on their own.


    There would need to be supports in place for the bloodbath a 50% drop in housing would cause, but we are already in a position of uncharted territory.


    Build out our energy infrastructure. Oil/gas, electricity (Manitoba and Quebec need to be able to sell their renewable power across a national grid), hydrogen, geothermal, biomass.

    High speed train or Hyperloop tech connecting every Canadian city over 175,000 people. Power it with green/renewable energy from dams, geothermal. Build it now and put 50,000 Canadians to work. The effect it would have on GDP would be incredible.


    Build out our nuclear power capacity.


    Increase export capacity through more/new/upgraded port facilities on all three coasts.

    Make inputs (land, buildings, power, resources) efficient and cheap to get. This will spur manufacturing and allow people to work good paying jobs.

    Agriculture - disband FCC. Replace it with FSA type system. Max loans $1,000,000 max farm size to use 1500 acres. Interest free for a decade to those wanting to start a farm. We need more, smaller, diversified producers. Same for processors.
    Production needs to be decentralized.



    I can go on. But we're way off topic already!
    Lots of good ideas. Especially nuclear. The small modular nuclear plants seem to have merit. Place them near coal fired set to be retired and no capital expediture on grid infrastructure because it already exists. This is a massive savings. Reply With Quote
    SASKFARMER's Avatar May 23, 2020 | 13:08 18 Totally agree that’s a great start to build canada and drop the stupid world plan that they are pushing where we are the hunger games fools Reply With Quote
    May 23, 2020 | 14:01 19 Zephyr, you really need to post more often, one of the few on here with some optimism, and offering up solutions. You have started some good conversations, even if you don't always appreciate the feedback. Reply With Quote
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    LEP

  • May 23, 2020 | 16:40 20
    Quote Originally Posted by Zephyr View Post
    You're right.

    The TFSA was a good start. A fund to allow persons to put their income into an account tax free for 8 years with no limits on the condition they start a business with those funds within the 8 year period would be a good start.

    An incubator of sorts.


    Banning foreign ownership and investment in single-family homes, individual condos, and individual townhouses.

    Rejig our money laundering surveillance, policing, and prosecution systems with hefty fines and seizures would bring in billions of income while stabilizing home prices.


    For a country our size, with every building material available within the nation and surplus land a "normal" (non-luxury) single family home should not be worth $1,000,000 never mind $3,000,000.


    Rejig immigration to bring in people with skills from known countries that have skills, perhaps help some move that have talent and drive but aren't able to come on their own.


    There would need to be supports in place for the bloodbath a 50% drop in housing would cause, but we are already in a position of uncharted territory.


    Build out our energy infrastructure. Oil/gas, electricity (Manitoba and Quebec need to be able to sell their renewable power across a national grid), hydrogen, geothermal, biomass.

    High speed train or Hyperloop tech connecting every Canadian city over 175,000 people. Power it with green/renewable energy from dams, geothermal. Build it now and put 50,000 Canadians to work. The effect it would have on GDP would be incredible.


    Build out our nuclear power capacity.


    Increase export capacity through more/new/upgraded port facilities on all three coasts.

    Make inputs (land, buildings, power, resources) efficient and cheap to get. This will spur manufacturing and allow people to work good paying jobs.

    Agriculture - disband FCC. Replace it with FSA type system. Max loans $1,000,000 max farm size to use 1500 acres. Interest free for a decade to those wanting to start a farm. We need more, smaller, diversified producers. Same for processors.
    Production needs to be decentralized.



    I can go on. But we're way off topic already!
    Only catch I see is this requires our country to become unified and work together. That appears to a huge hurdle to overcome given our political situation. Reply With Quote
    May 23, 2020 | 16:52 21
    Quote Originally Posted by Zephyr View Post
    There are some farmers and business people with low debt levels and cash reserves these will be making a killing going forward
    Go on...... Reply With Quote
    makar's Avatar May 23, 2020 | 17:56 22 61 years on this earth and still not a clue how zephyr thinks struggling to survive can build a cash nest egg, pipeline mentality, no profit no cash, bil still don't get it and yes he is plw. Reply With Quote
    makar's Avatar May 23, 2020 | 18:00 23 https://www.youtube.com/watch?v=Rq6L99Zf8fI Reply With Quote
    RTK
    May 23, 2020 | 18:27 24 Quick look at that video and I thought to myself seems more productive work being done there than the paper pushers in a a lot of government agencies. Perhaps a few less regulations and a plan to get sh$t done would help our economy? Reply With Quote
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  • makar's Avatar May 23, 2020 | 18:40 25 This kind of work just to see the farm eat it has made me a miserable sob at times, but I am worth a lot money but cash poor, worst part is not seeing family for months on end, hell one summer never saw the wife and we were both home, I built leases all day and she worked nights. Reply With Quote
    May 23, 2020 | 18:44 26
    Quote Originally Posted by RTK View Post
    Quick look at that video and I thought to myself seems more productive work being done there than the paper pushers in a a lot of government agencies. Perhaps a few less regulations and a plan to get sh$t done would help our economy?
    Regulation creates useless jobs for people that are really too stupid other than to stare at a wall....

    That's why we are paying people to watch Netflix.
    Last edited by bucket; May 23, 2020 at 20:27.
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  • makar's Avatar May 23, 2020 | 18:48 27
    Quote Originally Posted by bucket View Post
    Regulation creates useless jobs for people that are really too stupid other than to state at a wall....

    That's why we are paying people to watch Netflix.
    Cousin had a stepson who is a safety geek, told him why does the the guy running the job hate me, he told him he has a job to do and you are his worst enemy. Reply With Quote
    May 23, 2020 | 19:34 28
    Quote Originally Posted by Zephyr View Post
    Agriculture - disband FCC. Replace it with FSA type system. Max loans $1,000,000 max farm size to use 1500 acres. Interest free for a decade to those wanting to start a farm. We need more, smaller, diversified producers. Same for processors.
    Production needs to be decentralized.
    What do you get for a million dollars in grain farming? 2 - 4 quarters of land? New iron is insane, and someone has to buy new or there won't be any good used equipment. The trend is big, we have literally been left behind, by choice.....opportunities to buy or rent turned down.

    Maybe people shouldn't have chased land prices past its productive capacity. The people that should be buying it can't. But now they get to trip over themselves and others trying to rent it because it's cheaper than buying it. Say that ten times in your head and see if it makes sense for the guy carrying most of the risk, it's fùcked right up. Speaking of laundering money.....you can attribute alot of Sask land price increases to foreign AND domestic money looking for a home, and the lion's share of that cash.....not a thin fúcken dime of it was money made in Ag.

    I really don't think you have to incentivize young people to start farming, there's enough willing people, it's just nearly impossible under the current circumstances.
    Last edited by farmaholic; May 23, 2020 at 19:37.
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  • May 23, 2020 | 19:47 29
    Quote Originally Posted by makar View Post
    61 years on this earth and still not a clue how zephyr thinks struggling to survive can build a cash nest egg, pipeline mentality, no profit no cash, bil still don't get it and yes he is plw.

    Quit struggling.

    It's pretty simple.

    I've never worked on a pipeline. I'm two provinces away.

    Once you bring housing down and have people live decent lifestyles there is surplus money.

    $1200 mortgage. $400 car payment

    It's doable.


    The problem is everyone wants the lifestyle of somebody who has gotten successful and worked their asses off without the work or knowledge to do so.


    The trend is bigger because FCC is pushing it that way

    Banks don't care if you farm 1000 or 100,000 acres if your margins are there



    Quit being addicted to debt. This is all going to collapse in on itself and then we begin again. Reply With Quote
    May 23, 2020 | 20:25 30 Tell us how you started your farm zephyr. That will tell the tale.

    Debt is a necessary evil for anyone starting or expanding a farm. I would need to clear $600k every year after living expenses to be able to buy another quarter of land each season. To clear $600K would require a 2500 ac farm free and clear to generate that cash flow.

    Just one thing about your hyperloop idea. Canadians don't want to visit each other. People in each Canadian province visit the US more than any other province in Canada. Makes little sense to connect an already divided country.

    There is only one way for Canada to be capitalized like you suggest and that's let the US do it.
    Last edited by jazz; May 23, 2020 at 20:31.
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