1. Marketing, human resource, and financial risk: Decision making in the retail farm market context John Berry, Agricultural Educator Penn State is committed to affirmative action, equal opportunity and the diversity of its workforce.

3. Government Payments as a Percent of Net Farm Income

5. Market risk varies significantly from commodity to commodity. Human resource risk refers to managing labor, succession of the business, disability, estate planning, labor supply, and human relationship issues. Financial risk results when the farm business borrows money and creates an obligation to repay debt.

7. Needs Planning Method Delivery Evaluation

8. Leadership State Region Partners Sponsors Administration

9. “intensive” The conference started off with “pre” workshops. full-day –Financials –Ag and Natural Resource education half-day –Create a buzz in your bakery –Communication –Bouquets, Wreaths, Swags

10. “highly anticipated” Day two was the “pre” retail farm market tour. Using 4 tour buses, participants visited premiere ag retail markets –On-Farm market4 –Farmers market2 –Winery3

11. “choice” The final piece of this conference consisted of concurrent educational sessions – 44 sessions two days – industry specific trade show 47 retail farm marketing supply vendors – Five different state retail marketing association membership meetings

12. Participants from 13 states – Workshops137 – Tours176 – Concurrent sessions214 – Speakers 48 – Vendor reps 53 – Volunteers 39

13. Quantitative Qualitative Follow-up survey

14. NECRME$17,000 Other$42,000 In-kind$30,000

15. Marketing, human resource, and financial risk: Decision making in the retail farm market context John Berry, Agricultural Educator Penn State is committed to affirmative action, equal opportunity and the diversity of its workforce.