AUGUST 2020
Message from the President All of us at AgCredit hope everyone is staying safe during these unusual times. The events of the past few months have been extremely disruptive and have caused an array of challenges for many farms and businesses. The stay-at-home order from the state of Ohio was the first jolt on the rollercoaster experience we shared. The initial uncertainty brought about by the quarantine and the disruption within our communities, schools, places BRIAN RICKER of worship, families and businesses was extraordinary. Soon after the quarantine was in place, we began to experience other disruptions related to worker layoffs and with various supply chains, including the critical food supply chain. Some dairy farms were forced to make the gut-wrenching decision to dump milk as the demand for food service products declined when activity at hospitals and hotels slowed and schools and restaurants closed. Meat processing plants were either temporarily shut down or production was reduced when COVID-19 cases began to spread in the processing plants. This caused significant concern to many livestock producers when they were unable to market their livestock in a timely manner. Across the country, some producers were faced with a huge backlog of livestock and were forced to make the difficult decision to euthanize their livestock and take a significant loss. Ethanol plants were shuttered as a result of the sudden lower demand for gasoline. The price for corn declined quickly, and a strong local corn basis evaporated as well. All of these disruptions continue to have a significant impact to all of us. In response to the challenges brought on by the coronavirus, the CARES Act was passed in late March and, thankfully, it has provided some needed short-term relief. Unfortunately, some segments of agriculture were not covered by the legislation, but we are hopeful they will be in future legislation. Shortages of some food products at grocery stores gave many people a new understanding of the crucial role of farmers. In a recent poll conducted in early
June, 85% of respondents said they believe the pandemic has affected the food supply chain, and 59% said they think agriculture should be classified by the government as a matter of national security.  I do wonder about the changes we will see going forward. What future changes will the pandemic cause to our food and other supply chains? What trends believed to be slowly emerging before the pandemic will now accelerate and be accepted at a more rapid pace? Telehealth is one trend that will likely become far more accepted. The headline “Telehealth set for tsunami of growth� recently caught my attention. The thought of talking to a medical professional virtually through video does not seem so strange or futuristic anymore. Another similar trend is the increased use of virtual meetings. I heard recently that one in five meetings we attended in person will now be held virtually. For AgCredit, the need for greater digital capabilities for our loan process is something we are accelerating this year. During our annual strategic board planning meeting in late July, we focused on the long-term impact of COVID-19 related to the agriculture industry and agricultural lending. As we strategize for the future, understanding the impact of this virus on our businesses and the acceleration of these trends will be critical to our success. I will close by tipping my hat to our farmers, who continue to persevere through some uncertain and volatile times. Thank you for helping to feed our world! I am also very grateful for our AgCredit team and their hard work in accomplishing so much during an extremely busy and challenging period. Tremendous effort was made by our team to re-price notes when interest rates declined and assisting customers with payment deferrals and SBA PPP loans. As we go through a scaled-back and slower summer of activities, we are looking forward to some green shoots of hope and optimism rising from our fields.
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Farm kids rock!
Here are a few of our favorite “farm kid” photos from this year’s photo contest. Photo contest winners will be shared in the December issue.
Submitted by: Sarah Rosebrock
g Submitted by: Abby Lan
Submitted by: Danielle Searfoss
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FIELD NOTES: AGCREDIT MISSION FUND GRANT ONLINE EQUIPMENT SALES: BARGAIN HUNTING OR BUYER BEWARE? FARM CREDIT EXPRESS: FAST, EASY EQUIPMENT FINANCING RURAL RESILIENCE: A SAFETY NET FOR FARMERS AND RANCHERS CROP INSURANCE CORNER NAVIGATING YOUR HOME LOAN PROCESS AROUND AGCREDIT FFA 110% AWARDS
PRESIDENT - Brian Ricker
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Submitted by: Jesicca Sautter
alton
: Rebecca D
Submitted by
BOARD OF DIRECTORS Dustin Sonnenberg, Chairman David Conrad, Vice Chairman Deborah Johlin-Bach Gary Baldosser Kevin Flanagan Daniel Rengert Scott Schroeder David Stott, Ph.D. Michael Stump Michael Thiel
AGCREDIT LEADER AUGUST 2020
EDITOR - Kayla Laubacher Address changes, questions, comments or requests for copies of our financial reports should be directed to AgCredit, ACA by writing 610 W. Lytle Street, Fostoria, OH 44830, or calling 800-837-3678. Our financial reports can also be obtained on our website: www.agcredit.net
Submitted by: Courtney Elbin
IMPORTANT DISCLOSURE We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. WHISTLEBLOWER INFORMATION Reports of suspected or actual wrongdoing can be made anonymously and confidentially through the SpeakUp Whistleblower hotline or online. All information submitted to SpeakUp is taken seriously and investigated thoroughly. WHISTLEBLOWER HOTLINE WITH SPEAK UP: 1-844-850-6494 (24 hours a day, 7 days a week) WHISTLEBLOWER ONLINE REPORTING: http://speakupAgCredit.intercedeservices.com We are an Equal Opportunity/Affirmative Action Employer. We recruit, hire, train, and promote individuals without regard to race, religion, color, sex, national origin, age, disability, sexual orientation, parental status, marital status, political affiliation, military service, or any other non-merit based factor.
FIELD NOTES
AgCredit Mission Fund Grant
enables Lindsey Volunteer Fire Department to Build a Rescue Trailer BY KAYLA LAUBACHER, MARKETING COORDINATOR
Members of the Lindsey Volunteer Fire Department (LVFD), a 2019 AgCredit Mission Fund grant recipient, recently completed the build of their new rescue trailer. The trailer is equipped with specialized equipment to respond to confined space rescues, grain bin rescues, hazardous material incidents, and ice and water rescues. “The trailer is not only a great asset to our community, but it’s an asset to our entire area through mutual aid agreements,” said Deputy Chief Jason Conklin.
The LVFD has 24 members and responds to about 125 incidents annually in its area of operation, which includes the Village of Lindsey, Washington Township and Rice Township. The department was one of seven AgCredit Mission Fund recipients in 2019. AgCredit has awarded $134,000 in grants through the Mission Fund since 2018. Visit AgCredit.net to learn more about the Mission Fund and submit a grant application. All 2020 applications must be received by August 31.
AGCREDIT LEADER AUGUST 2020
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Online Equipment Sales:
Bargain Hunting or Buyer Beware? BY RYAN CONKLIN, ATTORNEY, WRIGHT & MOORE LAW CO., LPA
My dad, a retired dairy cattle broker, has three things he religiously checks online: Ohio State football sites, certain news outlets and equipment sales pages. Although my family doesn’t farm anymore and doesn’t have any equipment needs beyond our existing 4440 and 4430 tractors, he still loves to keep tabs on the farm equipment market.
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For the most part, our clients speak very highly of their online equipment purchasing experiences, mostly because they appreciate the simplicity of the transaction and access to great deals. However, some producers have had negative experiences with these transactions. Here are a few legal considerations that might help you avoid a negative online machinery deal.
AGCREDIT LEADER AUGUST 2020
RYAN CONKLIN
Do your due diligence Part of our job as attorneys is to constantly question. It is a crucial part of giving clients good legal advice. As an equipment purchaser, I suggest asking the seller a thorough list of questions about the item’s features, condition, previous use, hours and maintenance record. If possible, ask for additional photos or videos to confirm condition. Even doing a simple Google search for the seller can make a difference. The additional information can help you make a good buying decision. If you’re making a large purchase, perhaps employ a third party in the area to buy on your behalf or inspect the goods before purchasing. Also, since you might not be able to perform an inspection until pickup or delivery, putting money down is risky. If the deal falls through, the seller may keep your down payment, and you’ll have to resort to legal action to recover that money. Furthermore, be very careful about distributing bank account information or completing a wire transfer. Sometimes these actions are used to commit fraud.
Inspect at pickup or delivery Pickup or delivery is an important step in the process because it’s when you take actual possession of the machinery. It’s crucial that you conduct a final
inspection before accepting the equipment. Make sure the condition matches the photos, the hours are correct, the bargained-for features are included and there are no major defects. If there are problems, give the seller a chance to fix them. If the deficiencies are left unaddressed, then you should reject the machinery and terminate the agreement. Also, make sure shipments include all necessary parts, attachments or implements for successful operation. Don’t find yourself fighting with a dealer or seller to get missing parts delivered or picked up.
Check for existing liens Purchasing encumbered machinery can be risky because a third-party creditor may get involved in the deal. Ask the seller about any existing liens or encumbrances on the piece for sale and whether those will be paid prior to transfer. If the seller does not cooperate, a good practice is to perform a UCC search for any equipment liens. For most states, the secretary of state is responsible for maintaining UCC records, and those filings are available online. Online court records or county records offices can be other places to check on liens against a seller.
Who is paying for the equipment? Some farmers may be purchasing equipment for use in a business entity. It’s a relatively minor detail, but make sure you are paying for the machinery with business funds. This is part of operating a business in a legitimate manner, and it can be important for liability management purposes. If you pay for the item with personal funds, talk with your attorney or accountant about the steps to transfer ownership to the business. For tax reasons, this step should be completed before you claim any depreciation on the equipment. There is an element of “buyer beware” that should be employed in these situations. If you run into a problem with purchased equipment in Ohio, sometimes the sale or auction website will assist if you report the problem. Otherwise, talk to your attorney about next steps. Your attorney may recommend retaining out-of-state counsel to assist with non-Ohio purchases.
Participating Dealers in Our Area: farmcreditexpress.com
Fast, Easy Financing. • Up to 100% financing • Credit decisions in minutes • Excellent terms • Opportunity to share in AgCredit’s profit-sharing program Need more information? David White 419.435.7758 ext. 1602
A.G. Irrigation Edgerton
Haar Brothers Gibsonburg
Polen Implement Elyria
A.N. Farm Equipment Shiloh
Holgate Implement Sales Holgate
Randall Brothers Holgate
Anderson Tractor Supply Bluffton
Homier & Sons Continental, Payne
Bay Tractor & Turf Gibsonburg
Independent Ag Bellevue
Redline Equipment Archbold, Bellevue, Bowling Green, Ottawa and Sherwood
Born Implement Amherst
Ken Lugibihl Auto & Truck Center Bluffton
Buckeye Application Continental
Krystowski Tractor Sales Wellington
Burkhart Farm Center Bucyrus Dan’s Truck Sales Perrysburg E & R Trailer Sales & Service Middle Point Evolution Ag Upper Sandusky Findlay Implement Co. Findlay George F. Ackerman Company Curtice Green Field Ag Gibsonburg H.G. Violet Equipment Delphos
Rodoc Sales, Service & Leasing Delphos Sensenig Ag Equipment Greenwich
KW Farms Upper Sandusky
Steiners Equipment Sales and Rental Shiloh
MH Eby West Jefferson
Tawa Equipment Ottawa
Nathan Frey Farm Equipment Upper Sandusky
Tiffin Ag & Turf Tiffin
North Central Ag New London
Wellington Implement Ashland, Wellington
Northwest Tractor Co. Ottawa
WMS Equipment Sales LLC Upper Sandusky
Norvin Hill Machinery Greenwich
Wood County Implement Bowling Green
Paul Martin & Sons Napoleon
Wyandot Tractor Upper Sandusky
Peters Used Equipment Pemberville
Farm Credit EXPRESS : Fast, Easy Equipment Financing
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BY KAYLA LAUBACHER, MARKETING COORDINATOR
Just over six years ago, AgCredit joined Farm Credit EXPRESS, an equipment financing program that teams up AgCredit and equipment dealers. One of the program’s goals is to provide easy, on-the-spot financing at dealers located in AgCredit’s 18-county chartered territory. How Can Farm Credit EXPRESS Benefit You? David White, AgCredit’s Farm Credit EXPRESS relationship manager, says the program is ideal for farmers interested in taking advantage of cash discounts from the manufacturer for new equipment, and fixed-rate loans and leasing options are also available.
• While all paperwork is handled by the dealer, AgCredit borrowers continue to earn patronage refunds. • Financing is on one item and not cross collateralized, so it’s not tied to other loans or assets. • AgCredit respects and values the relationships that are formed between customers and loan officers. A member who leverages Farm Credit EXPRESS financing keeps the same loan officer, and any loans go to that loan officer’s portfolio. Visit FarmCreditEXPRESS.com to find a participating dealer near you!
Additional benefits of participating in Farm Credit EXPRESS include: • Faster service and a one-stop shop is part of the convenience factor. Time is money, and Farm Credit EXPRESS helps farmers get the financing they need quickly.
David White Farm Credit EXPRESS relationship manager (419) 435-7758, ext. 1602 dwhite@agcredit.net
AGCREDIT LEADER AUGUST 2020
Convenience is king in many aspects of our lives. Make something quick and easy — be it meals, a more efficient farm implement or an ATM at the grocery store — and we’re usually all for it. That goes for farm equipment financing, too.
Legislative update
Rural Resilience: A Safety Net for Farmers and Ranchers BY DAVID WHITE, ACCOUNT MANAGER FINANCIAL SERVICES AND GOVERNMENT RELATIONS
DAVID WHITE
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Farming is a stressful job, even in good times. The COVID-19 pandemic and resulting economic turmoil has only added to the stress farmers are already feeling. Rural communities also face challenges: isolation, lack of mental health professionals and a perceived stigma about seeking assistance for mental health concerns. Farmers and rural community members need resources to help manage their own stress while they support their friends and neighbors.
While the general public reads media reports about the stress farmers and farm families face, AgCredit’s member-borrowers live it every day. For this reason, the Farm Credit System, of which AgCredit is a proud part, has created a free, online stress-management course in partnership with the American Farm Bureau Federation, National Farmers Union, Michigan State University Extension and University of Illinois Extension. The course is also open to members of the general public. Rural Resilience is designed to help participants: • Understand sources of stress.
AGCREDIT LEADER AUGUST 2020
• Learn the warning signs of stress and suicide. • Identify effective communication strategies. • Reduce the stigma related to mental health concerns. • Connect farmers, their families and rural community members with appropriate mental health and other resources. The course features engaging content, self-paced activities, voiceover slide presentations and downloadable resources. It will take approximately two and a half hours to complete all three units.
A Five-Step Approach to Alleviating Farm Stress https://morrow.osu.edu/sites/morro w/files/imce/ A_Five_Step_Approach_to_Alleviating _Farm_Stress.pdf
How Stress Affects You https://morrow.osu.edu/sites/morrow/files/ imce/How%20Stress%20Affects%20You.pdf
Manage Stress to Increase Farm Safety w/files/imce/ https://morrow.osu.edu/sites/morro 20farm%20safety%20.pdf ase% Manage%20stress%20to%20incre
Farm Stress Resources https://putnam.osu.edu/program-ar eas/agricultureand-natural-resources/farm-stress-re sources
For more information, please visit farmcredit.com/rural-resilience. AgCredit has compiled a list of other great resources you may want to explore on this topic. Use your phone camera to take a picture of the QR code, which will take you directly to each site. More resources are also available at AgCredit.net.
For the Individual Feeling Pressures of Farm Life https://u.osu.edu/2019farmassistance/whatstress/ resources-are-available-to-help-me-cope-with-farm-
Crop Insurance Corner BY CALEB DOUCE, DOUCE AGENCY, LLC
CALEB DOUCE
Many would agree that no truer words have been spoken. The American farmer is not only an optimist, but he’s a pivotal cog in the wheel that helps our country grow. That being said, now’s a great time to review some details for those farmers who may be thinking of planting winter wheat and barley. Barley is now an insurable crop in a number of Ohio counties. Be sure to ask your agent if barley coverage is available in your county.
Fall seeded crops have a final plant date of Oct. 20 to ensure that 100% coverage is maintained. If that deadline is missed, there’s a 1% reduction in coverage for each day of late planting from Oct. 21-25. Once the calendar reads Oct. 26, the maximum reduction in coverage is leveraged but with full premium still in place. The premium due date for fall seeded crops is July 1. One final note about fall seeded crops and the insurance that covers them: There’s no replant coverage for these crops. Again, we salute and thank the farmers who keep going day after day, year after year, and never give up to ensure they keep America running.
Timeline and Deadlines for Wheat and Barley As with any crop insurance, there’s a deadline for signups. For wheat and barley, that date is Sept. 30. Planting prices for both wheat and barley are set on Sept. 15. For wheat, the discovery period for establishing the planting price is Aug. 15 through Sept. 14. During this discovery period, the September futures on the Chicago Board of Trade are averaged. This is how the planting price is calculated. Similarly, barley planting prices use the same discovery period, Aug. 15 through Sept. 14, but July futures are used in the calculation instead of September futures. Now that we know how plant prices are handled, let’s look at how harvest prices are set. Wheat harvest prices are set Aug. 1, after September futures are averaged during the discovery period of July 1-31. Barley harvest prices are set on July 1, after July futures are averaged during the discovery period of June 1-30.
740-386-2991
An equal opportunity provider
AGCREDIT LEADER AUGUST 2020
“The farmer has to be an optimist or he wouldn’t still be a farmer.” —Will Rogers
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Navigating Your Home Loan Process BY KAYLA LAUBACHER, MARKETING COORDINATOR
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Purchasing a home is a step in life that helps fulfill what we like to refer to as the American dream. Few things in life give us the feeling of roots, belonging and success like a piece of the world we can call our own. Making a home purchase does, however, lead to a lot of paperwork. Let’s take a look at the first step and some of the required documents.
AGCREDIT LEADER AUGUST 2020
AgCredit offers three primary types of loans when it comes to homes: Purchase, refinance or construction. Each may require different documents. We also offer government loans, including FHA, USDA, and VA loans, as well as loans to finance a building lot.
Prequalifying: The First Step Let’s start with prequalifying for your home loan. Think of this as your starting point. For the prequalification step, the lender will want to see a pay stub and will also pull information on the customer’s credit to verify what the credit score is and the debt they are carrying. This helps get a snapshot of a person’s financial situation to determine the prequalification amount they can afford. When a person is prequalified, they have a good idea of the price range to stay within when looking for ready-built homes or making their plans to build.
You’re Prequalified. Now What? After prequalification, and as soon as customers find a home to purchase or select the licensed builder they wish to work with, it’s recommended to get a turnkey, fixed-cost contract and to finalize their house plans. At this point, they’re ready to apply for a loan. This is where a whole array of information may be required. It’s helpful to begin gathering documents before meeting with your lender for the actual loan application phase. For the entire process, allow 30 to 45 days from the date of the loan application.
What Documents Will I Need? Possible documents needed: • If you’re building on land you own, a copy of the deed. • If you’re purchasing the land, it may be possible to wrap it into one loan with the construction portion of the loan, preferably the contract be at least a 45-day contract. • A turnkey, fixed-cost contract from a licensed builder in good standing. • House plans and specifications for the home. • Builders risk insurance on construction loans or homeowner’s insurance policy if it’s an existing home. • For refinancing, current homeowner’s insurance and tax bill for the property. • If you’re purchasing a home, a fully executed purchase agreement. • Paystubs or a 1099 form, personal/business tax returns, or a YTD profit/ loss statement if self-employed. • Two recent bank statements. • Details on down payment funding. Savings account? Land as collateral? • Some lenders request 401K or IRA statements. • If divorced, information on alimony and child support obligations. • If you’re selling another home, details on that mortgage and information concerning the sale. • Driver’s license. The key to making the whole process go smoothly is gathering all your paperwork ahead of time and presenting it at one time to your loan officer. Communication with your loan officer throughout the course is essential to keep the process moving.
Around AgCredit Welcome New Employees!
Stay Connected with us! Email marketing@agcredit.net to join our email list!
Interns
AUSTIN SEARFOSS
BETH BROWN
BARB WELLY
ETHAN CAMPBELL
ABBY RUTH
Austin Searfoss joined the Upper Sandusky team as an Account Officer Trainee in March.
Beth Brown started as a Branch Assistant in the Norwalk office in May.
Barb Welly began her career with AgCredit as an Associate Accountant in Fostoria in May.
Ethan Campbell will be a sophomore at Heidelberg University in Tiffin, OH and worked with the IT team this summer.
Thank you for your service this summer!
Abby Ruth will be starting her senior year at Wilmington College in Wilmington, OH and worked with various departments at our admin office this summer.
Calendar September 7
Offices Closed for Labor Day
October 12
Offices Closed for Columbus Day
November 26 & 27
Offices Closed for Thanksgiving
SCOTT SCHROEDER
Years of Service Awards
Congratulations to Scott Schroeder and Michael Stump who were both reelected to serve another term on our board. 2021 NOMINATING COMMITTEE County
YEARS
HEATHER THOMAS-EIDEN
YEARS
AARON STOLLER
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HEATHER BRICKNER
40
YEARS
YEARS
GREG SIEBENALLER
JOHN ORIANS
Crawford Erie Hancock Hardin Henry Huron Lorain Lucas Marion Morrow Ottawa Paulding Putnam Sandusky Seneca Van Wert Wood Wyandot
Nominating Committee Member Ron McGinnis Frank E Hill Roger D Rader Shane Kellogg Brian Petersen Justin Martin Kathy Duplaga Lonnie Perry Scott Isler Bill Creswell Michael Libben Ryan McClure Nathan Schroeder Todd Lindsay Bret Margraf Luke Lichtensteiger Tim Obermyer Alan Richards
Alternate Douglas Phenicie Jeff Bohn Adam Kirian Trent Watkins James Agler Eric Leber Ron Baumann Bob Hoen Roger Groll Karole Skidmore-Roth Daniel A Jensen Jack C Yearling Jeffrey P Schroeder Michael Dennis Art Feck Brian W Callow Dale Brown Kevin Boes
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AGCREDIT LEADER AUGUST 2020
MAY-AUGUST
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MICHAEL STUMP
Around AgCredit
FFA 110% Awards
The AgCredit FFA 110 Percent Award is given to students who give 110 percent effort in their FFA Chapters. We appreciate the hard work these young people give to their chapters and communities.
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Pictured left are AgCredit Bucyrus Branch winners from Colonel Crawford High School in Crawford County. From the left are:
AGCREDIT LEADER AUGUST 2020
Allie Brause, Mariah Cotsamire, Megan Shull, Alex Lawson, and Alana Burkhart.
Kim Tuck
Bucyrus Branch Wynford High School Crawford County
Samantha Hinton
Bucyrus Branch Buckeye Central High School Crawford County
Trent Mathias
Fremont Branch Lakota High School Sandusky County
Levi Schwochow
Fremont Branch Lakota High School Sandusky County
Kelsey Stanfield
Kenton Branch Ridgemont High School Hardin County
Rebecca Bash
Audrey Grindell
Brayden Flowers
Kenton Branch Ridgemont High School Hardin County
Kenton Branch Hardin Northern High School Hardin County
Kenton Branch Hardin Northern High School Hardin County
Abigail Erdy
Cassady Healea
Micah Dawson
Mt. Gilead Branch Highland High School Morrow County
Mt. Gilead Branch Northmor High School Morrow County
Norwalk Branch Willard High School Huron County
Ashton Schwaderer
Liliana Dietrich
Marion Branch Elgin High School Marion County
Marion Branch Crestview High School Marion County
Sarah Hoak
Chance Coultrip
Norwalk Branch Plymouth High School Huron/Richland Counties
Norwalk Branch Firelands High School Lorain County
Anna Shearer
Norwalk Branch Black River High School Ashland County
Scott McCraw
Norwalk Branch Wellington High School Lorain County
Wyatt Collins
Norwalk Branch Lorain County JVS High School Norwalk County
Corbin Evans
Van Wert Branch Lincolnview High School Van Wert County
Colton Howell
Van Wert Branch Paulding High School Paulding County
Not Pictured Kayla McCoy
Lydia Feik
Cameron Overmyer
Hazel Jolliff
Jamie Ankney
Samuel Boss
Sidney Gossard
Ally Burton
Konnaly Kale
Logan Mahler
Meredith Bischoff
Natalie Ferguson
Bowling Green Branch Eastwood High School Wood County Bowling Green Branch Bowling Green High School Wood County Bowling Green Branch Bowling Green High School Wood County
Bucyrus Branch Colonel Crawford High School Crawford County Fremont Branch Oak Harbor High School Ottawa County Fremont Branch Clyde High School Sandusky County
Fremont Branch Woodmore High School Ottawa County Kenton Branch Ada High School Hardin County
Kenton Branch Kenton High School Hardin County
Mt. Gilead Branch Cardington High School Morrow County Norwalk Branch South Central High School Huron County Norwalk Branch New London High School Huron County
AGCREDIT LEADER AUGUST 2020
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PRSRT STD US POSTAGE
PAID
610 W. Lytle Street Fostoria, OH 44830
Tell us what you think! Our annual customer satisfaction survey will be coming to you in September via email. If you’d like to participate in the survey—be sure your Account Officer has your correct email address on file! Benefits of being on our email list: • Early access to the Leader magazine • Opportunity to participate in our customer satisfaction survey • Notifications of upcoming events and important information
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