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Updated: October 31, 2025

Consumer Credit: Balancing Access and Risks to Achieve Financial Stability (FS-2025-0755)

Authors: Troy Anthony Anderson - Jesse Ketterman

Credit plays a pivotal role in modern financial planning, enabling individuals to manage cash flow, make major purchases, and secure future financial stability through strategic borrowing. While installment, revolving, and open credit accounts offer flexibility, responsible repayment is critical to avoid financial pitfalls. Budgeting is also essential to manage expenditures and prevent debt cycles. Securing credit depends on factors like payment history, credit score, and debt-to-income ratio, impacting loan terms and interest rates. Mismanagement can lead to financial distress, while effective credit use can enhance economic well-being. Authors: Troy Anthony Anderson, Ed.D., and Jesse Ketterman, Ph.D.; Title: Consumer Credit: Balancing Access and Risks to Achieve Financial Stability (FS-2025-0755).
Updated: July 24, 2025

Understanding Choices: Navigating Consumer Education for a Better Tomorrow (FS-2024-0742)

Authors: Troy Anthony Anderson

This paper delves into the multifaceted dynamics of consumer education and decision-making within diverse cultural contexts. It underscores the pivotal role consumer knowledge plays in navigating today's complex marketplace, addressing both individual and collective needs in a globalized world. By understanding essential consumer rights; such as safety, access to accurate information, and the art of choosing, individuals can enhance satisfaction and mitigate potential negative impacts. The discussion extends to exploring how consumer education enriches financial literacy and refines resource management, equipping individuals with the tools needed to understand guarantees and warranties comprehensively. The paper also highlights the consumer's crucial role in fostering ethical behavior, emphasizing the significance of laws designed to protect consumers. By merging these elements, the article presents a thorough view of how informed consumers contribute to a more equitable and efficient marketplace. Author: Troy Anthony Anderson, Ed.D.; Title: Understanding Choices: Navigating Consumer Education for a Better Tomorrow (FS-2024-0742).
Updated: March 11, 2025

Women In Agriculture Webinar Series on Risk Management: Finance

This webpage is the financial archives of the Women In Agriculture webinars.
Updated: March 9, 2023

Chapter 2: Economic assessment and risk management

Chapter 2: Economic assessment and risk management is part of the online publication "From Surviving to Thriving: Strategies for Urban Farm Success. Most of the work of a farm is in producing and marketing crops and livestock. But will this effort be economically viable? And what are the economic risks? These are questions that all farm businesses must answer regardless of whether they are for-profit or not-for-profit. To stay in business, the farm must be economically sustainable. To measure economic viability, this chapter will focus on two economic measurements – profit and cash flow.
Puzzle pieces laying over a city building.
Updated: February 17, 2023

Custom Work Charges in Maryland and Delaware

Introduction Financial and economic considerations such as limited capital, untimely cash flow, insufficient labor, small acreage or other reasons require farmers to hire custom service for field operations. Custom work charges are determined by demand and supply and are negotiated between farmers and custom operators. The purpose of this publication is to provide information on custom work charges in Maryland and to provide data to assist in decision-making regarding purchasing equipment.
Updated: September 24, 2021

Maryland Dairy Economics

These are difficult days for dairy farmers. After the high milk prices of 2014, prices have plummeted with no significant upturn in sight. Large dairies across the country have captured economies of scale that turn a profit at these low prices. So as small dairies go out of business, the large dairies continue to expand, maintaining the supply that suppresses the prices.
Dairy Cattle laying down in shelter
Updated: June 11, 2021

How Much Does It Cost You to Produce a CWT of Milk?

What price are you getting per cwt of milk? Like most dairy farmers, you know the price or you can get it quickly by reviewing milk check receipts. How much does it cost you to produce a cwt of milk? Like many dairy farmers, you may not know. Dairy farming is complex, and determining your costs of production is sometimes difficult. Yet, your costs directly affect your profit, and it is important to understand them.
Dairy cows feeding