All people have their own personal tolerance for taking risks. California farmers will learn their own risk tolerance styles and apply them to simple, practical risk-management solutions that fit their farms and circumstances at 11 half-day Central and Northern California workshops April 20-May 14.

Following are the target counties, workshop times, locations and registration contact phone numbers:

Santa Cruz and Monterey counties - 8:30 a.m. to 12:30 p.m. April 20 - UC Cooperative Extension, 1432 Freedom Blvd., Watsonville. Contact: (831) 763-8040

San Luis Obispo and Santa Barbara counties - 8:30 a.m. to 12:30 p.m. April 21 - UC Cooperative Extension conference room, 2156 Sierra Way, San Luis Obispo. Contact: (805) 934-6240

Ventura County - 8 a.m. to 12 p.m. April 22 - Ventura Room at the school district building near Camarillo Airport. Contact: (805) 645-1451

San Diego and Riverside counties - 8:30 a.m. to 12:30 p.m. April 23 - Farm Bureau office, 1670 E. Valley Parkway, Escondido. Contact: (858) 694-3666

Tulare and Kings counties - 3 to 8 p.m. April 26 - UC Cooperative Extension Ag Building, 4437 S. Laspina St., Tulare. Contact: (559) 685-3309

Fresno County - 8:30 a.m. to 12:30 p.m. April 27 - Center For Agricultural Business, California State University, Fresno, 2910 E. Barstow Ave., Fresno. Contact: (559) 456-7560

San Joaquin County - April 28 - Time and location to be announced. Contact: (209) 468-2085.

Marin, Sonoma and Napa counties - 1 to 5 p.m. May 11 - Location to be announced. Contact: (707) 565-2621

Lake and Mendocino counties - 8:30 a.m. to 12:30 p.m. May 12 - Ukiah Valley Conference Center, 200 South School Street, Ukiah.

Humboldt County - 8:30 a.m. to 12:30 p.m. May 13 - Agricultural Center at UC Cooperative Extension office, 5630 S. Broadway, Eureka. Contact: (707) 445-7351

Butte and Tehama counties - 8:30 a.m. to 12:30 p.m. May 14 - Small Business Development Center, 19 Williamsburg Lane, Chico. Contact: (530) 895-9017

Participants will develop appropriate-scale solutions to the five major agriculture risks: family/personal, financial, production, marketing and legal/regulatory.

Topics covered at the workshops will be:

A model for approaching farm risk - Farmers will get an overview of risk in agricultural businesses and be introduced to a practical one-sheet method to look at the various types of risks and develop management strategies for each of them.

Family and personal risk - Participants will understand their own risk tolerance and their family's risk-tolerance profile in order to focus on the risk-management strategies that will work best for them.

Financial risk - A presentation on how to effectively use an accountant for more than just taxes.

Production risk - Farmers learn about crop insurance and other strategies to manage production risk.

Market risk - Participants learn how to spot trends in the market and develop market strategies allowing them to be price makers, rather than price takers.

Legal and regulatory risk - A presentation on managing risk associated with workers' compensation, air and water quality and other regulations.

The workshop is intended for all farmers, ranchers or nursery operators, however, it will have information particularly useful for those with gross receipts of less than $250,000 per year and who have been operating for fewer than 10 years.

“The participants will learn scale-appropriate solutions to their risk problems. We will share new and emerging risk management programs to help in all farming operations,” said David Visher of FACTS, an agricultural training firm that is coordinating the workshop.

Registration, including a binder of materials for each participant, is $20.

Presentation of the program is made possible by a grant from the USDA Risk Management Agency to the University of California Agricultural Issues Center. Partners are the Center for Agricultural Business at California State University, Fresno, FACTS and UC Cooperative Extension.

For more information, contact Visher at (530) 758-2429 or e-mail visher@yolo.com.