The Rural Voice, 1985-11, Page 11Are you using these
RoyFarm Financial
Management Services
as your to greater
financi control?
`/ ■ Farmchek Cash Flow Monitoring
ystem—provides an itemized report of monthly
year to date expenses and receipts. It can help you
spot potential problem areas early enough to do something about
them. Now you can develop your own expense and receipt descrip-
tions and get details to fit your own specific operation.
• RoyFarm Financial Planning Guide—a companion guide
to the RoyFarm Application for Credit—to make it easier to plan
next years operation.
• RoyFarm Application for Credit—a special planning form
for use in preparing and analyzing next year's financial program.
■ RoyFarm Business Review—a monthly newsletter to keep
you in touch with basic market trends each month.. Ask fora copy
at your local hranch of the Royal bank.
■ RoyFarm Operating Loans—a revolving line of operating
credit financing to meet your day to day operating needs for the
year.
■ RoyFarm Term Loans—intermediate term loans to acquire
needed machinery. breeding stock or major huilding
construction.
■ RoyFarm Mortgage Loans—long term loans for land
purchases or debt consolidation with either fixed or variable
interest rates. Under both options. your paymcntsare fixed.
■ RoyFarm Creditor Life Insurance—to provide coverage for
your short and intermediate term loans.
• RoyFarm Mortgage Life Insurance—to provide coverage for
your longer term mortgage loan.
• RoyFarm Investment Options—ranging from Registered
Retirement Savings Programs to short term deposit certificates
and savings account.
WIN A COMPUTER
Come to participating branches of the Royal Bank from October 15 to
November 15. 1985 to see demonstrations of the RoyFarm financial manage-
ment services. including Farmchek and the RoyFarm Financial Planning
Guide. You could win a business computer system. including monitor.
printer. and specially developed Financial Planning software.
ROYFARM
Responsible banking
fn -farmers
ROYAL BANK
farmer' and it hit me then that if you
are a farmer, then you aren't ever 'us-
ed to be,' you always are. I am a
farmer, even though I'm not farming
at the time, it's in your blood, you are
a farmer." In counselling sessions,
Swain says he tries to help farm
families understand that farming is a
way of life, it's not something "you
can throw away and discard and put
behind you."
The other response he tries to com-
bat is the farmer's sense of personal
failure. "People who are losing farms
are made to feel it's their own fault,"
he says. When he and Brenda lost
their farm, he adds, about 70 per cent
of farmers would have agreed with
that sentiment, but as more and more
farmers have been forced out of the
industry, "today 1 would say that at-
titude would cover (only) 30 to 35 per
cent of the farmers."
While it's hard for a family faced
with losing their home and livelihood
to see anything positive coming out of
the experience, Swain says people
gradually accept the loss. They have
to say, "I've lost the farm, life goes
on, so let's make the best of what
we've got and go on ... it gives you a
little more appreciation of what
you've got." But this acceptance
won't come at once: "different peo-
ple will take different time frames for
this to take place...."
Because farmers have traditionally
been self-reliant, Swain says it's often
difficult for them to request help.
Ministers in rural charges, he adds,
have to be "finely tuned" to
recognize distress. While ministers
may be concerned about the stresses
on the farming community in the past
five to seven years, Swain says that if
they aren't from a rural background
themselves, it is more difficult for
ministers to pick up on problems.
Last year, the London conference
of the United Church launched a
series of Farm Forum meetings, held
at churches around the region, where
farm families could discuss their con-
cerns at public gatherings. While
Swain says that this program is
useful, he thinks the church must do
more.
Although the Swains have rebuilt
their lives, the experience of losing
the farm still haunts them. Eugene
Swain likens the experience to having
a bad cut on your arm. The cut even-
tually heals, but the scar remains and
if you bump your arm, the scar still
hurts.
Brenda Swain says that when she
NOVI MBFR 19Ac 9