Farm Credit Services Southwest: Notebook: Financial Tips



	Financial Tips Credit Your Equity Line of Credit Easy access to cash, flexible repayment and just what you need for land purchase, business start-up or seasonal cash-flow requirements Loan or lease? The advantages and disadvantages are spelled out in an easy-to-read format so you can carefully weigh the options. Management Have you checked your title lately?—An ounce of prevention is worth a pound of cure. The form of title (or ownership) that you select for your assets is an area where that old saying rings loudly. Farm Credit Services Southwest offers real "growth" for ag operations—Loans, leases just part of a very big picture—Anyone who has anything to do with agriculture in the southwestern United States knows about Farm Credit. Phishing: Will you take the bait? Be on guard for the latest e-mail scam. 9 Business Succession-Planning Mistakes to Avoid Most business owners expect to pass on some day their pride and joy—mostly likely to their children, but possibly to an employee or an outside buyer. How can I contribute more to my retirement fund? A SIMPLE-IRA is a tax-deferred retirement plan that's available to small businesss. A closer look at an income statement and balance sheet. Learn how both reports can help you achieve your business goals. Are you getting all you can from your loan officer? Besides servicing your account, your loan officer can provide dependable advice on a range of financial issues. Building a business plan. Learn how you can use your business plan to measure the success of your business. Business management advice. Common sense tips that really make a difference. Who needs a consultant? Questions to help yourself determine if hiring a business consultant is right for your business. Estate Planning Estate planning is essential for anyone who owns a business - FCSSW just made it a whole lot easier for you. Here's how ... Is Estate Planning Worthwhile? You bet it is — as long as you do it and you do it right! Do you need a will? Will your estate be at the mercy of federal and state laws? Learn how proper planning can help you provide for your heirs the way you want. Estate planning tips. Questions you can ask yourself that may save you estate tax dollars. Knowing your net worth is key to managing your money. Your estimate is probably wrong... by a lot of dollars! Appraisal Do you need an appraisal? A simple questionnaire to help you decide if you need a business appraisal. Tax Records: What to keep and for how long? Handy guidelines to help you decide what financial records to hang on to and what to throw out. Year-end tax tips. The end of your business year is an excellent time to regroup, inspect your situation and plan for the future. Alternative Minimum Tax, is it in your future? See if you are among the growing number of taxpayers who must pay the AMT. Education tax credits. Don't forget two important education tax credits. Ask Ken Buy-Sell Agreement - Q: My business partners and I run a successful farming operation that has grown in value well beyond our expectations. What can we do to be sure that if one of us dies, the business will remain intact and all our families will be treated fairly? Savings Plans. Smart ways to save for your children's college tuition. Estate Planning - Q: My wife and I plan to meet with you shortly to discuss our estate plans. What can we do to prepare for our meeting with you? Newsletter The BottomLine. Click here to view our newsletter.			Tax and Business Alert Newsletter Credit Loan or lease? Equity Line of Credit Management Have you checked your title lately? Real "growth" for ag operations Phishing 9 Business Succession... SIMPLE-IRA A closer look Loan officer Building a business plan Business mgt. advice Who needs a consultant? Estate Planning Estate plan essential Do you need a will? Estate planning tips Is Estate Planning Worthwhile? Knowing your net worth... Appraisal Who needs an appraisal? Tax Records: What to keep... Year-end tax tips Alternative Minimum Tax Education tax credits Ask Ken Buy-Sell Agreement - Q and A Savings Plans Estate Planning - Q and A Newsletter The BottomLine
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