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The Rural Voice, 2005-01, Page 19information and suggestions for successfully entering this dynamic industry. It's available to download on the site at: http://farmcentre.com/english/newfar mer/beafarmer-english.pdf. A more detailed, up-to-date print version is available for $19. Farm Credit Canada offers help on its website http://www.fcc- fac.ca including a "Farm Finance Kit" to help both beginning farmers and established farmers to define the goals for their operation. For those who have an off -farm job but are dreaming of having a farm of their own, they also offer something called a "payday loan", allowing them to get established for a downpayment of as little as 10 per cent. Via the internet, beginning farmer information is available farther afield. PennSate University's College of Agricultural Sciences offers information at: http://agmarketing. extension.psu.edu/begfrmrs.html Food and Agriculture Policy Research Institute at the University of Missouri (www.fapri.missouri.edu/) U.S. websites offer mang resources offers articles such as "What's it Take?: Getting Started in Farming Today". NY FarmLink is a program to help young farmers get into the industry that Ontario could only dream about with listings of farms for rent and farmers looking to sell out. As well the website (www.nyfarmlink.org/) offers information buch as "Getting Started in Farming: 5 keys to Success by N\ FarmLink director Steve Richards. In the article Richards notes that in New York, at least, two out of every 10 farm seekers in FarmLink's data base may be successful in getting started each year. The successful news farmers have certain common traits, he says: experience, equity; education and a clear business plan. Several of the websites offer advice on seeking niche markets and high- value products that allow farmers to get started in a small way and build. Some even offer advice on ways of making money on small acreages. Paul Nichol, Economic f?‘Managing a farm is never easy The business of farming is getting tougher. You need professional advisors who are able to make sense of the big picture, while still being able to take action on the details. That's why BDO offices throughout Ontario and Canada offer a spectrum of professional services including: - Pre -year end tax planning - Income tax return preparation - GST problem solving - CAIS application assistance - Intergenerational farm transfers - Capital Gains tax planning - Business planning - Personal financial planning - Estate planning - Auditing - Accounting/bookkeeping - Computer/management services Our fees are competitive, our service is personal. Call us today. We'll help you succeed. OBDO Dunwoody Chartered Accountants and Advisors Hanover Kincardine (519) 364-3790 (519) 396-3425 Owen Sound Port Elgin (519) 376-6110 (519) 832-2049 Wiarton Wingham (519) 534-1520 (519) 357-3231 13D Collingwood (705) 445-4421 Orangeville (519) 941-0681 Mitchell (519) 348-8412 Stratford (519) 271-2491 Woodstock (519) 539-2081 • Talk to us about our complimentary review of your operations and last year's financial records. LLP Mount Forest (519) 323-2351 Walkerton (519) 881-1211 undalk District Credit Union Limited Community Banking & Investment Services .%fie e j.34 kr 1 a RRSPs MUTUAL FUND SALES BY W.H. STUART MUTUALS LTD. Chequing, Savings and Term Deposits Personal Loans, Residential and Farm Mortgages Farm and Commercial Loans Mastercard, Money Orders and Travellers Cheques 79 Proton St. N. DUNDALK, Ont. Proud to Provide Quality Member Service Since 1943 519-923-2400 Fax: 519-923-2950 JANUARY 2005 15