Balancing medicine and margins for sustainable prosperity.
Dr. Sharma's farm faced significant challenges: unpredictable crop yields due to weather, fluctuating commodity prices impacting revenue, and the high cost of maintaining and upgrading farm equipment. Her lack of agricultural finance experience further complicated matters. Managing student loan debt and her medical practice while trying to optimize the farm created a time and resource crunch.
Using the Residual Income Calculator, Dr. Sharma determined that investing in specific high-yield crops, combined with a strategic hedging plan, could generate significant excess income beyond the farm's cost of capital. The Put Option Calculator helped her to lock in minimum selling prices for her crops, mitigating downside risk from price fluctuations. By using the Debt Service Coverage Ratio Calculator, she was able to refinance existing equipment loans at a lower interest rate, freeing up additional cash flow.
The Residual Income Calculator analyzed various crop investment scenarios by factoring in initial investment costs, projected revenue, and the farm's weighted average cost of capital. The Put Option Calculator helped assess the cost and potential payoff of different put option contracts for hedging.
$65,000 increase in projected annual net farm income through optimized crop selection, hedging strategies, and loan refinancing.
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