Carroll Class Outline
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1 Carroll Class Outline Annie s Project Annie was a woman who grew up in a small town in Northern Illinois. Her goal was to marry a farmer and she did. Annie spent her lifetime learning how to be an involved business partner with her farm husband. Together they did great things, but it wasn t easy. This is Annie s Project to take her experiences and share it with farm women living and working in a complex business. Objectives Annie s project is designed to empower farmwomen to manage information systems used in critical decision making processes and to build local networks throughout the state. The target audience is farmwomen with a passion for business and involvement in the farm operation. Project Topics cover the five areas of Risk Management Production, Market, Financial, Legal Risk, Human Resources. Class Instructor information contact Ginger Myers gsmyers@umd.edu (O), (C) or visit the website at Carroll Community College In the event of inclement weather on the day of a scheduled Annie s Seminar; please contact the college emergency closing hotline at or visit If the college is closed or opening is delayed due to weather, the class is also canceled.
2 Dinner will begin at 5:30 pm in Room T323 with social and networking sessions. Classes will begin promptly at 6:15pm. April 3 Session One 6:15pm - Annie s Project Introduction Class Introductions Pre-Class Survey 6:45 pm The Seven Habits of Highly Effective Women Farmers Leslie Hart, Washington County Economic Development, Agriculture 7:30 pm University of Maryland Extension- The Best Kept Secret Resource Peter Coffey, Carroll County Extension Office 7:50 pm - Colors Personality Test Ginger Myers, State Marketing Specialist, Ag and natural Resources, University of MD Extension The Personality I.Q. workshop is a spinoff of the Myers-Briggs Type Indicators. Using a simple series of word associations, participants will acquire a deeper understanding and insights of their personality style and work type. Hopefully this leads to clearer perceptions about ourselves and the different gifts we each bring to our families, work groups and personal relationships. 7:15pm - How Property is Titled: Who Else is in business with you? Stacy Shaffer, Esquire We will discuss the different forms of ownership or property titling that impacts the rights of each and every person: Sole Proprietor, Joint Tenancy; Rights of Survivorship; incorporation versus Partnership. Some issues related to passing on the farm and estate tax will also be investigated. April 10 Session Two Since Carroll Community College is closed for Spring Break, this session will be held at Evermore Farm, 150 Rockland Road, Westminster, MD See the website for directions No dinner service is available, so please brown bag your dinner and bring a beverage. Dinner scheduled to start at 5:30 pm 6:15pm - How Property is Titled: Who Else is in business with you? Stacy Shaffer, Esquire We will discuss the different forms of ownership or property titling that impacts the rights of each and every person: Sole Proprietor, Joint Tenancy; Rights of Survivorship; incorporation
3 versus Partnership. Some issues related to passing on the farm and estate tax will also be investigated. 7:00 pm Business Planning Ginger Myers, Agriculture Educator, University of MD Extension Planning is essential to any business, no matter how large or small your inventory, payroll and bank account. To be sustainable and profitable a farm operation must have a clear understanding of production, marketing, finances and labor. Having these plans mentally is not enough! Taking time to formulate thoughts, evaluate your business, devise a strategy, and anticipate possible problems will help your business be successful. 8:00 pm- Marketing Basics and Social Media Ginger Myers, Agriculture Educator, University of MD Extension April 17 Session Three 6:15pm - Straight Talk about Farm Transfer John Dove, Edward Jones, Ellicott City When communicating with family members and other heirs about farm transfer, many issues and tensions can arise. This segment will highlight some resources that you can access to make these communications more effective. Resources will include information about mediation programs, fact sheets to guide you through specific aspects of talking with others about the future of your farm, and handouts pointing you to trusted online sources of information. 7:00pm - Estate Planning John Dove, Edward Jones, Ellicott City An effective estate plan ensures that you and those you care most for will enjoy the security of your assets. This in-depth discussion focuses on best practices to preserve your life's holdings, ensure their efficient transfer to your beneficiaries and meet family objectives. Attendees will learn: Wills, Living Wills, Powers of Attorneys - What they do- and don t do; When to update?, How to protect your assets from death taxes and nursing home care costs, Your options for paying for home care and assisted living care, Keeping the peace: Ideas for reducing conflict among family members, Stretch IRA- reducing tax liability over multiple generations, Special issues unique to farmland and farming businesses, What you can start doing now to prepare for the possibility of your death or disability. 8:00 pm MREDC, Extension Tools and Resources Update, Agri-tourism Sites Ginger Myers, Director, Maryland Rural Enterprise Development Center University of Maryland Extension has a wealth of resources for farmers of all ages and experience levels. Find what you need here
4 April 24 Session Four 6:15pm 7:15 Understanding Your Numbers Dale Johnson, Financial Management Specialist, University of Maryland Extension Keeping good financial records is only part of any farm s financial management strategies. Understanding your financial statement based on your own farm numbers is an excellent way to determine profitability and potential for change and/or growth. Learn how to set up Excel spreadsheets to maintain records. Learn how to read and interpret farm financial statement. 7:15-8:00 When to Consider Borrowing, Loan Options, Other Funding Sources William Schrodel, MidAtlantic Farm Credit Farming is a business that requires capital for establishment and to grow and change. Learn what is required borrow funds and the type of loans offered to farming businesses. 8:00- TBD May 1 Session Five 6:15 pm - Understanding Crop Insurance and Your Farm Insurance Policy (Invited to Bring Your Policy to Class) Nationwide Insurance Farming can be a risky business therefore farms should take measures to protect themselves. This session will focus on insurance topics and policy information regarding liability protection and risk management. It will also suggest points to ponder including off premises and ATV as well as production liability insurance, agri-tourism enterprises and equine operations. 7:15pm USDA FSA Update Missy Donnelly, Frederick County Office 8:15- TBD May 8 Session Six 6:15 pm 7:00 pm Credit Reports Jesse M. Ketterman, Jr., Extension Educator, Western Maryland Cluster Credit history or credit report is a record of an individual's past borrowing and repaying, including information about late payments and bankruptcy. When you fill out an application for credit from a bank, store or credit card company, their information is forwarded to a credit
5 bureau. Therefore, it is important that you understand credit reports and know your credit score. We will cover how to read and access your credit report. Budgeting for either your farming operation, agricultural business, or personal accounts helps manage both professional and personal financial risks. 7:00pm 7:20 pm - The Risk Management Checklist Ginger Myers, University of Maryland Extension. 7:20pm -7:45- pm MREDC, Extension Tools and Resources Update, Agri-tourism Sites Ginger Myers, Director, Maryland Rural Enterprise Development Center University of Maryland Extension has a wealth of resources for farmers of all ages and experience levels. Find what you need here Course Wrap-Up End of Class Evaluation Annie s Graduation
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