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How one cattleman made a fortune

3,791 Views | 17 Replies | Last: 1 day ago by Burdizzo
techno-ag
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https://www.wsj.com/finance/cattle-empire-ponzi-scheme-3d245791

Very interesting story of the Bernie Madoff of cattle, who fleeced millions from banks and investors before killing himself.

Quote:

For years, McClain had kept cattle here in his hometown and on the Texas Panhandle, buying calves at auction and selling them for profit three months later. His 80,000-head operation-powered by a $50 million loan from an agricultural bank and $120 million from investors-appeared to be a blowout success for the former chemicals plant worker… He also had a big secret: Most of the cattle were imaginary.

Once the lender got around to a physical check to count cattle and value McClain's collateral/the first full inspection after more than four years of sending him money-it enumerated only 8,916 animals.

In the end, the rancher burned through the $170 million taken in from the bank and investors-some of them friends from his small Kentucky town. He managed to placate the bank when it occasionally raised concerns about financial figures that just didn't make sense-including how his feed costs were wildly out of tune with the number of animals he claimed. And he kept his investors on board by paying out "shares of the profits," which often stayed on paper as they rolled them into new investments.

He made around $2 billion in cattle transactions to build his "ghost herd," according to bank records filed in Texas federal bankruptcy court, which is trying to pick apart the web of alleged fraud. The mystery that forensic accountants haven't found an answer to remains, where did the money go?


It seems to me that he would have done okay provided he had not gotten greedy and kept showing fake transactions. Modest loans could have covered expenses and he could have declared bankruptcy if paying everything back was too much.

Quote:

McClain's elaborate scheme came apart in April 2023, when a local truck dealer who had invested around $650,000 insisted on repayment. After bounced checks, he brought in the county sheriff.

The rancher killed himself before the law could arrive.


Sad day. What a web we weave when we seek to deceive.

The left cannot kill the Spirit of Charlie Kirk.
Dirty-8-thirty Ag
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10 years ago in Maryneal, outside of Swee****er, a guy did the exact same thing to a bank on a much smaller scale, around 20 million, and it ended the same way with him killing himself before the police arrived. Knew the guy from rodeos and never expected him to be involved in anything like that.
Ogre09
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Dirty-8-thirty Ag said:

10 years ago in Maryneal, outside of Sweetwater, a guy did the exact same thing to a bank on a much smaller scale, around 20 million, and it ended the same way with him killing himself before the police arrived. Knew the guy from rodeos and never expected him to be involved in anything like that.



I'm cracking up that Sweetwater contains a censored term.

Swee-****-er.

Or my mind keeps changing it to Sweet-****-water.

Edit: Wait! Why didn't it censor mine?
Charismatic Megafauna
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Could you even imagine blowing through $170M!?
LRHF
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Yes!!! Decent sized ranch, nice twin engine plane, badass bass boat, a few houses. About 12 big fishing trips a year, private landowner hunting tags etc…

Yep- I can Imagine!
Ol_Ag_02
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Charismatic Megafauna said:

Could you even imagine blowing through $170M!?


At 5% interest $170MM would allow you to spend $23,351 per day without touching the principal!
Charismatic Megafauna
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Exactly! It would be all I could do to keep it from growing!
Burdizzo
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Lest we forget Billy Sol Estes
Yesterday
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Most of these people figure they can pay it all back and get away with it. They just need one more loan or sucker investor. They're always too greedy. Sucks to hear some honest people lost a lot of money over this.
chris1515
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There's a long history of folks doing shady stuff when using cattle as collateral for loans.
wamvoss
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Back about 30 years ago, there was a cattle trader and feeder from the Flatonia area that was on the Bank Board that was into phantom cattle, but at a lower scale. He finally admitted to it, but I never heard of the conclusion. I think the other board members were too embarrassed to press charges and the public made aware that they let him quietly resign with some kind of repayment plan.
Not sure how many people became aware of the situation. I just happened to know one of the board members.
Mas89
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I always hate to see these crooks in the Ag business. Anyone doing a cattle loan should inspect and do an inventory annually. Personally and not by a hired guy. If a banker can't go out to inspect and inventory cattle, he shouldn't be loaning money for cattle.

Still remember the large corn theft by a group of fraudsters in Beeville at Bee Ag a decade ago. Hurt some good people. Shauer family in Beevile iirc. Their game was to provide critical trucking at harvest when trucking was tight and then not pay/ delay payment for months. Went on for years until they file bankruptcy. Hope they are still in prison but seriously doubt it.
agfan2013
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Mas89 said:

Still remember the large corn theft by a group of fraudsters in Beeville at Bee Ag a decade ago. Hurt some good people. Shauer family in Beevile iirc. Their game was to provide critical trucking at harvest when trucking was tight and then not pay/ delay payment for months. Went on for years until they file bankruptcy. Hope they are still in prison but seriously doubt it.



Bee Ag is still talked about to this day by people who trade grain in Texas and were around when it happened, I'll still run into someone who mentions it once or twice a year. Crazy how much money was eventually owed.

Yeah they aren't in prison anymore according to google's AI. In fact at one time I had heard they tried to open another company under his daughter's name and were operating with that, something like Bee Distribution LLC or similar, but I can't find anything about it online, maybe just a rumor.

Look up Garcia Grain in the valley for another big one that was recent, over 20 million owed and they declared bankruptcy a year or two ago,

Lot of crooks in agriculture, just like any other industry.
Rattler12
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Best way to make a small fortune as a cattle rancher is to start out with a large fortune.....
Burdizzo
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Rattler12 said:

Best way to make a small fortune as a cattle rancher is to start out with a large fortune.....


Unless you're Hillary Clinton
Mas89
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Hansen-mueller also filed bankruptcy Fall 25 After taking in corn to their Houston facility during harvest last year.
They had operated at the port of Houston for years and surprised their customers by taking in grain they knew they would not ever pay for. Current lawsuit but again it was the farmers not getting paid and Hansen-Muller kept the corn after filing bankruptcy. Hansen should be hung, regardless what the judge rules. Complete crook.
3 Toed Pete
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If you are running a ponzi scheme, when you inevitably get to the point that you can feel the walls start to close in you have 2 options:

  • cut spending and postpone the inevitable as long as possible
  • double down and live it up and go out in a blaze of glory.
The rancher in this story chose the latter. In 2020 he divorced his second wife and 10 weeks later married a 30 year old friend of his daughter. The author didn't spend much time on this but the divorce had to have cost him millions (on paper he was wealthy - according to his falsified figures). The divorce would have greatly sped up his path to bankruptcy and if it didn't the ex-wife and her attorney are idiots. She should have come out of that marriage very wealthy.

This story would actually make a great series on Paramount. Call it Cattle Rancher. Kind of like the old show Dallas.
Burdizzo
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Cattle Call Saul
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