"Where Fillmore County News Comes First"
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Wednesday, May 27th, 2015
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Q: Will F&M Community Bank advance funds to be used for hedging livestock and continue to advance if there are margin calls?


Mon, Jul 25th, 2011
Posted in Ask the Expert



A: Markets have never been more volatile. A government report or a disease outbreak can shrink margins to unprofitable levels. Many different marketing tools are available, including hedging, but first you must know your production costs so you can lock in a profit.

 Hedging has a low initial cost but in a rising market, margin calls can be large. When the market is rising, so is the value of the livestock you plan to sell. You will not realize the price increase but you will not get a lower price than the price you locked. If prices fall, your hedge funds account will increase to offset the price you will receive.

 F&M Community Bank cannot predict prices but will fund hedge accounts for farmers that lock in profits.

F & M Community Bank

100 St. Anthony Street N., Preston 507 765 3823

229 Main St. N., Chatfield

507 867 1605

How can I protect my pet from heat stroke?

Mon, Jul 25th, 2011
Posted in Ask the Expert

Heat stroke can be a serious and even life threatening condition in your pet. Fortunately, it is easily preventable by taking these precautions and watching for the warning signs. Always make sure your pet has access to fresh clean water. Also, make ..... 
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First time home buyers

Mon, Jul 25th, 2011
Posted in Ask the Expert

first time home buyers

Purchasing a home can feel like unfamiliar territory for first-time home buyers. Yet every day, the desire to own a home compels individuals and families to consult with realtors for help.

The stats tell the stor ..... 
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Q: In these times, is it sensible to spend the extra dollars it takes to upgrade my printing to the highest quality glossy finish available?

Mon, Jul 25th, 2011
Posted in Ask the Expert

A: High quality glossy print relays the fact that you are a top quality, successful company who can afford

the best. It is a proven fact that glossy finish pieces allow all the vibrant color to jump off the page, catch the eye of a potential ..... 
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I'm buying a new set of tires. Should I have them balanced?

Thu, Jul 21st, 2011
Posted in Ask the Expert

Yes - Balancing helps to guarantee a smooth ride at highway speeds, and it helps to maximize tire life. An out-of-balance tire can be very annoying because it produces a shake that increases in intensity the faster you go. The up-and-down shaking of ..... 
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How much Life Insurance do I need?

Thu, Jul 21st, 2011
Posted in Ask the Expert

The old rule of thumb was 5 to 8 times your annual salary. Now it seems like most of the time you hear 7 to 10 times your annual salary. But the truth is it really varies. You must determine your family's short-term and long-term needs, subtract your ..... 
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What should I do with my will if I have property in two states?

Thu, Jul 21st, 2011
Posted in Ask the Expert

If you have real property located in different states, your family may have to deal with two probates if you do not do proper planning. There are things you can do now to prevent that. First, understand that you do not need two wills. As long as your ..... 
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Q: What Are Good Ergonomics?

Thu, Jul 21st, 2011
Posted in Ask the Expert



A: According to the United States Department of Health and Human Services, ergonomics is the science of fitting workplace conditions and job demands to employee capabilities.

When lifting, follow these simple suggestions:

  ..... 
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