Registration is now OPEN for the 2025 Ag Lender Seminars by OSU Extension.

A great lineup of speakers, professional development, and networking.  Please check out the 2025 Featured Speakers, Agendas, and Registration pages for more details.  Time of day for Seminars is 9 am to 3 pm. Dates and location addresses are listed on each site-specific agenda and provided here:

October 14 – Ottawa, OH -Putnam County Educational Service Center, 124 Putnam Pkwy, Ottawa, OH  45875

October 16 – Urbana, OH -Champaign Co Community Center Auditorium, 1512 U.S. Hwy 68, Urbana, OH 43078

October 16 – Washington CH, OH -Fayette County Extension Office, 1415 US Hwy. 22 SW, Washington Court House, OH 43160

October 21 – Wooster, OH – OSU CFAES Fisher Auditorium, 1680 Madison Ave., Wooster, OH  44691

More details at: https://u.osu.edu/aglenderseminars/

Deadline to apply for economic injury loans approaching

ATLANTA—The U.S. Small Business Administration (SBA) is reminding small businesses and private nonprofit (PNP) organizations in Ohio of the June 2 deadline to apply for low-interest federal disaster loans to offset economic losses caused by the drought beginning Sept. 24, 2024.
The disaster declaration covers the Ohio counties of Adams, Brown, Butler, Clermont, Clinton, Coshocton, Guernsey, Hamilton, Highland, Holmes, Knox, Licking, Montgomery, Muskingum, Pike, Preble, Scioto, Tuscarawas and Warren and Dearborn, Franklin, and Union in Indiana as well as Boone, Bracken, Campbell, Kenton, Lewis, Mason, and Pendleton in Kentucky.

Under this declaration, SBA’s Economic Injury Disaster Loan (EIDL) program is available to small businesses, small agricultural cooperatives, nurseries, and PNPs with financial losses directly related to the disaster. The SBA is unable to provide disaster loans to agricultural producers, farmers, or ranchers, except for small aquaculture enterprises.

EIDLs are available for working capital needs caused by the disaster, even if the business or PNP did not suffer any physical damage. The loans may be used to pay fixed debts, payroll, accounts payable, and other bills not paid due to the disaster.

“Through a declaration by the U.S. Secretary of Agriculture, SBA provides critical financial assistance to help communities recover,” said Chris Stallings, associate administrator of the Office of Disaster Recovery and Resilience at the SBA. “We’re pleased to offer loans to small businesses and private nonprofits impacted by these disasters.”

The loan amount can be up to $2 million with interest rates as low as 4% for small businesses and 3.25% for PNPs, with terms up to 30 years. Interest does not accrue, and payments are not due until 12 months from the date of the first loan disbursement. The SBA sets loan amounts and terms based on each applicant’s financial condition.

To apply online, visit sba.gov/disaster. For more information on SBA, applicants may also call SBA’s Customer Service Center at (800) 659-2955 or email disastercustomerservice@sba.gov.

If you and your family are grappling with the critical issue of transitioning farm operations and farm assets to the next generation, OSU Extension is here to help. Producers are encouraged to attend a four-evening virtual “Planning for the Future of Your Farm” workshop on February 3, 10, 17, and 24, 2025, from 6:30 to 8:00 p.m. via Zoom.

This workshop challenges farm families to actively plan for the future of the farm business. Learn how to have crucial conversations about your farm’s future and better understand the strategies and tools that can help you transfer your ffarm’sownership, management, and assets to the next generation. We encourage parents, children, and grandchildren to attend together to develop a plan for the future of the family and farm. The teaching faculty for the workshop are David Marrison, an OSU Extension Farm Management Field Specialist, and Robert Moore, an attorney for the OSU Agricultural & Resource Law Program.

Pre-registration is required so that a packet of program materials can be mailed to participating families in advance. Electronic copies of the course materials will also be available to all participants. The registration fee is $99 per farm family. Register by January 24, 2025, to receive course materials in time. Register at go.osu.edu/successionregistration. If you have questions about the workshop, do not hesitate to contact David Marrison at marrison.2@osu.edu or 740-722-6073.

With snow covering much of the landscape for over a week now, we will now get arctic cold temperatures and windchills with daily high temperatures that will be the coldest in roughly ten years.  It is interesting to note that the Centers for Disease Control (CDC) documents that there are more deaths in the United States due to cold weather exposure (hypothermia) than hot weather exposure (hyperthermia) each year.  The CDC has also tracked an average of 1,300 deaths per year in the US due to excessive cold or hypothermia.

Many jobs are affected little with the change in temperature outside, but others do not have that luxury.  Occupations such as agriculture (and others) work outside a great deal no matter what the conditions.  Helpful reminders are often beneficial to keep safe while accomplishing these tasks.

Everyone responds to cold weather and temperature extremes in general very differently.  It is what we are “used to” and what we can “tolerate”.  What Alaskans think of as cold in January may be quite different than what we perceive as cold in the lower 48.  Specific contributing factors may also affect a person’s susceptibility to cold temperatures such as getting wet, exhaustion, high blood pressure, hypothyroidism, diabetes, and general poor physical condition.

General good practices for working in cold weather include:

• Planning routine maintenance on outdoor equipment for warmer seasons.
• Let others know where you will be working and when you will return.
• Dressing in layers so clothing may be added or taken off in specific instances.
• Keeping dry. Keep extra dry clothes, gloves, and shoes/boots nearby.
• Protecting ears, face, hands, feet, and head. Extremities away from the body core have less blood flow and are more difficult to keep warm.
• Taking breaks in warm locations.
• Staying hydrated. Not often thought of as an issue in cold weather, but just as important.

In some cases, cold-related illness and injuries will occur.  It is important to know the symptoms so you can watch yourself and others for signs.

Hypothermia:

• Body loses heat faster than it can be produced.
• Symptoms are shivering, fatigue, confusion, disorientation.
• Can be mild to severe depending on symptoms.

Frostbite:

• Actual freezing of tissue.
• Symptoms are numbness, stinging, or pain and top layer of skin feeling hard and rubbery.
• Wear appropriate clothing and seek medical attention if symptoms remain after 30 minutes.

Trench foot:

• Feet lose heat due to cold or wetness too long and tissue becomes damaged.
• Symptoms include swelling and pain in the feet. Differs from frostbite in that the skin does not actually freeze.
• Keep feet warm and dry.

Cold weather injuries are preventable.  Take the time to make the necessary plans for yourself and your workers to stay warm and dry and safely get the job done.

Wayne Dellinger, ANR Educator Union County, can be reached at 937-644-8117 ex. 3024 or dellinger.6@osu.edu. This column is provided by the OSU Extension Agricultural Safety and Health Team. https://agsafety.osu.edu/.