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"Fall Inspirations" by Erin Goodling
Dairy Outlook: November 2018 - Articles Articles

Dairy Outlook: November 2018

Robert C. Goodling, Jr., David L. Swartz, Claudia Schmidt, Ph.D., Timothy Beck, Virginia A. Ishler

Milk prices appear to be starting a slow, methodical climb. Feed costs remain in flux with harvest and quality uncertainties. More
Yogurt Dairy Refrigerator-2722678 by Albany Colley. Pixabay.com. CC0
Dairy Outlook: October 2018 - Articles Articles

Dairy Outlook: October 2018

Robert C. Goodling, Jr., David L. Swartz, Claudia Schmidt, Ph.D., Timothy Beck, Virginia A. Ishler

Current dairy markets are hinting at potential gradual increase in milk price into 2019. Global trade volatility continues to hinder widespread optimism. More
milk-spilt-white-glass-spill-1543193 by ponce_photography. Pixabay.com CC0
Dairy Outlook: September 2018 - Articles Articles

Dairy Outlook: September 2018

Robert C. Goodling, Jr., David L. Swartz, Claudia Schmidt, Ph.D., Virginia A. Ishler, Timothy Beck

Milk prices remain on the low side of a four-year modest price range. Monitoring a producer's individual price regularly is vital to see trends and potential opportunities at the farm level. More
Telephone-telegraph-pole-wire-1822040 by aitoff. Pixabay.com. cc0
Dairy Outlook: June 2018 - Articles Articles

Dairy Outlook: June 2018

David L. Swartz, Robert C. Goodling, Jr., Timothy Beck, Virginia A. Ishler

Milk price continued slow climb, but milk margins remain tight. Current tumultuous environment in global trade may limit long term progress. More
David Swartz, Penn State
Dairy Outlook: May 2018 - Articles Articles

Dairy Outlook: May 2018

David L. Swartz, Robert C. Goodling, Jr., Timothy Beck, Virginia A. Ishler

Long term survival of a dairy operation will hinge on management’s ability to find ways to push the cost of production below $17.50/cwt while maintaining some level of reinvestment in the operation. More
"duck-2166056" alexas_fotos, pixabay.com CC0
Dairy Outlook: April 2018 - Articles Articles

Dairy Outlook: April 2018

Robert C. Goodling, Jr., David L. Swartz, Timothy Beck, Virginia A. Ishler

Pennsylvania dairy cash flows continue to be upside down as income over feed cost and milk margins shrink and are below breakeven levels. More
Credit Squeeze by Stevepb on pixabay.com cc0
Dairy Outlook: March 2018 - Articles Articles

Dairy Outlook: March 2018

David L. Swartz, Robert C. Goodling, Jr., Virginia A. Ishler, Timothy Beck

With cow numbers steady, increasing domestic milk production, robust inventory of dairy products, and other factors, there are no market signals to indicate strength for future milk prices. More
Roller Coaster by dlohner on pixabay.com cc0
Dairy Outlook: February 2018 - Articles Articles

Dairy Outlook: February 2018

David L. Swartz, Robert C. Goodling, Jr., Timothy Beck, Virginia A. Ishler

All milk price for December 2017 showed the anticipated drop from the previous month. Feed price were steady, created a slightly smaller Income over Feed Cost opportunity. More
"Glass-milk-white-cows-milk" by Pezibear on pixabay.com CC0
Dairy Outlook: January 2018 - Articles Articles

Dairy Outlook: January 2018

David L. Swartz, Robert C. Goodling, Jr., Virginia A. Ishler, Timothy Beck

Current predicted Class III price for the first 11 months of 2018 is averaging $14.57/cwt. To face the year with optimism is to be sure dairy producers really understand their cost of production. More
R. Goodling Penn State
Dairy Outlook: December 2017 - Articles Articles

Dairy Outlook: December 2017

David L. Swartz, Robert C. Goodling, Jr., Timothy Beck, Virginia A. Ishler

The milk price forecast for 2018 is starting to solidify, and good news is hard to find. U.S. milk production growth has slowed, but global supply is still hampering future price increases. More
MoneyWise
MoneyWise - Articles Articles

MoneyWise

Cathy F. Bowen, Ph.D.

This flyer explains some of the ways Penn State Extension can help you manage your money. More
"Open road stormy sky" Desertrose7, pixabay.com CC0
Dairy Outlook: November 2017 - Articles Articles

Dairy Outlook: November 2017

David L. Swartz, Robert C. Goodling, Jr., Timothy Beck, Virginia A. Ishler

Markets continue to move sideways with little prospect for forecast price improvement. None of the factors that are well known give much optimism for price improvement More
Build Wealth Not Debt: Become a Pennsylvania Saver
Build Wealth Not Debt: Become a Pennsylvania Saver - Articles Articles
This brochure provides tips and contacts for money-saving programs. More
Robert Goodling, Penn State
Dairy Outlook: October 2017 - Articles Articles

Dairy Outlook: October 2017

David L. Swartz, Robert C. Goodling, Jr., Timothy Beck, Virginia A. Ishler

October dairy outlook: little potential for increases in milk price; feed prices trending downward; harvests provide breathing room to milk margin/IOFC for Pennsylvania producers. More
Cutting Credit Costs: Understanding Credit Fees
Cutting Credit Costs: Understanding Credit Fees - Articles Articles
This article explains fees other than interest that can be assessed on credit cards, including carrying charges, annual fees, cash advance fees, late fees, and transaction fees. More
Cutting Credit Costs: Understanding Grace Periods
Cutting Credit Costs: Understanding Grace Periods - Articles Articles
This article explains what a credit card grace period is, why credit users should be concerned about it, and how to find out whether a credit card has a grace period. More
Cutting Credit Costs: Pay Credit Card Bills Early
Cutting Credit Costs: Pay Credit Card Bills Early - Articles Articles
This article answers questions about paying credit card bills early and how it can save money. More
Cutting Credit Costs: Free Credit Reports
Cutting Credit Costs: Free Credit Reports - Articles Articles
This article explains free credit reports, how to obtain them, how to read them and interpret your score, and what to do if your credit report has errors. More
Bouncing Back When Income Drops 5: Paying Creditors and Keeping Your Reputation
Bouncing Back When Income Drops 5: Paying Creditors and Keeping Your Reputation - Articles Articles
This publication explains steps you can take to work with your creditors to protect your financial reputation. It includes advice about prioritizing bills, and examining income and expenses. More
Spending Choices
Spending Choices - Articles Articles

Spending Choices

Cathy F. Bowen, Ph.D.

This publication demonstrates that spending choices must be made with limited dollars. Participants must make choices about housing, utilities, furnishings, food, transportation and other variables. More
My Monthly Spending Plan
My Monthly Spending Plan - Articles Articles

My Monthly Spending Plan

Cathy F. Bowen, Ph.D., Rebecca Escott

This article features a spending plan calendar and tips to make your plan work. More
Preparing for Emergencies: A Consumer's Guide
Preparing for Emergencies: A Consumer's Guide - Articles Articles
This article aims to help you prepare your home and family for emergency situations. More
Financial Security in Life: Pay-Yourself-First
Financial Security in Life: Pay-Yourself-First - Articles Articles
Pay-yourself-first is a simple concept that paves the way for wealth accumulation or an upcoming need you may have. More
Considerations for Hiring Financial Professionals
Considerations for Hiring Financial Professionals - Articles Articles

Considerations for Hiring Financial Professionals

Cathy F. Bowen, Ph.D., Robin Kuleck, RN, MSEd

Regardless of the type of financial professional you need to hire for your natural gas well, there are some steps to take that will ensure the person you hire is the right person for your need. More
Bouncing Back When Your Income Drops: Overview
Bouncing Back When Your Income Drops: Overview - Articles Articles

Bouncing Back When Your Income Drops: Overview

Cathy F. Bowen, Ph.D., Marilyn Furry, Ph.D.

Losing your job, being laid off, or having your family income decrease is traumatic. More
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