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Financial Literacy

Financial Literacy

What is the Loan Application Process?

As a loan officer, one question that I help answer on a daily basis is, “I’m new to Farm Credit. What do I need to do to apply for a loan?” What seems like a fairly straightforward question can be...
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Home & Construction Financing

Financial Literacy

Understanding Interest Rates & Terms: What's Your Risk Appetite?

Change is inevitable, but lately it feels like everything is in flux– especially interest rates. For the last several years, borrowers have benefited from historically low interest rates for both...
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Financial Literacy

Prequalification Letters

Prequalification letters can be a valuable tool during the home-buying process. Learn about prequalification letters, their importance, where to obtain one, the process and documentation you may be...
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Financial Literacy

Record-keeping with Accrual and Enterprise Accounting

No one that I know (other than some accountants) actually likes to keep records. Even fewer people actually like to file, sort, and organize records. I mean, why isn’t a shoebox good enough?! A...
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Financial Literacy

Record Keeping and the Importance of Being Prepared

Picture a typical scenario on the farm: you just wrapped up a long day of taking care of livestock, repairing equipment, and working on crop plans for the year, along with many other tasks on the “to...
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Farm Management Resources

Financial Literacy

Weighing Your Equipment Financing Options

What if you could get a Farm Credit loan or lease at the dealer for your farm equipment— without ever setting foot in a Farm Credit office? You can with Farm Credit EXPRESS! Better yet, you can buy...
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Financial Literacy

Tips on Managing Inflation

COVID, supply chain disruptions, murder hornets, Ukraine, monkeypox, and higher inflation rates - isn’t it interesting to manage your finances in 2022?! When you read the news, you’ll see a lot of...
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Financial Literacy

Cash Flows, Budgets and Income Statements

Has a lender or investor ever asked you for your financial sheets and made you pause, search your memory, and really wished you had paid better attention in your business or finance class in college or high school, because you have no recollection on how to get those together?
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