Extension Store

Lease Supplement for Investing in Improvements on a Rented Farm

The purpose of this lease supplement is to encourage cooperation between tenants and landowners who wish to obtain needed improvements, facilities, and buildings on a rented farm. Often rented farms are in need of additional buildings, facilities, major repairs, or soil improvements. Many of the additions and improvements that are needed on a rented farm will not be made unless the tenant pays for part or all of the cost. But tenants are not likely to make important contributions toward farm improvements unless they are sure of repayment for any unexhausted value of their investments in case they have to discontinue farming the property.

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FM 1845

Financial Performance Measures for Iowa Farms

These measures can help farmers assess the profitability, debt capacity, and financial risk currently faced by their businesses. The measures presented in this publication are based on guidelines of the Farm Financial Standards Council, ffsc.org/, and are used by most agricultural lenders and farm accountants.

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FM 1789

2022 Iowa Farm Costs and Returns

The farm record data utilized in this report were obtained from the Iowa Farm Business Association. The average of all farms in each table represents a weighted average of the values for each size group listed. Weighting factors are based on the number of farms in each size group in the state, as computed from the most recent Census of Agriculture.

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FM 1811

Survey of Iowa Leasing Practices, 2022

The Iowa farmland rental market has undergone considerable change in the past few years. Following the boom years of the land market from 2003 to 2013 and the softening and stabilizing years until 2019, Iowa farmland values rose more than 30% from fall 2020 to 2022, reaching record high values in both nominal and real terms.

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FM 1814

Lease Supplement for Obtaining Conservation Practices to Control Soil and Nutrient Loss

With more than half of farmland in Iowa under a rental agreement, cooperation between tenants and landowners is essential for establishing and maintaining needed conservation practices on a rented farm. Rents should be adjusted to reflect costs and risks incurred by both parties. Rent can also be adjusted to reflect your value set, such as when prioritizing soil and water conservation. Conservation practices and improvements will not be made unless they are agreed to in advance and the tenant has the necessary machinery and management ability to establish and maintain them.

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FFED 40

Getting Your New Business Idea Funded

This publication discusses new business funding, its risks, to-do's to prepare, and what lenders evaluate when assessing borrowers, including an overview of 'The 5 Cs': character, conditions, capital, collateral, and capacity.

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FM 1853

Revenue Protection Crop Insurance

Details are provided on a risk management tool, crop revenue insurance, that guarantees a certain level of revenue rather than just production. The guarantee is based on market prices and the actual yield on your farm. Three example scenarios are presented also.

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ICH 6

Iowa Concern Hotline magnet (Unit=Pkg of 50)

Magnet with contact information for the Iowa Concern Hotline. Hotline provides confidential, 24-hour support for individuals with financial concerns and those seeking stress counseling or legal education.

Each magnet is 2 inches wide by 3.5 inches high.

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Magnet

$10.50

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HS 101

Homebuyer Education eCourse: A Place of Your Own

Purchasing a home is probably the biggest purchase you'll ever make. It’s an exciting experience and not a simple task.

Many home loan programs require completion of a homebuyer course to qualify for a loan. A Place of Your Own is an online course to help homebuyers learn about the process of buying a home.

The six lesson topics are:

preparing for home ownership
determining a budget
shopping for a home
securing a mortgage
closing the loan
being a homeowner

Lesson activities include videos, worksheets, and quizzes. After completing the lessons, earn your homebuyer's certificate with a score of at least 70% correct on the final test.

The course can be completed anytime, anywhere from any computer with Internet access.

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Moodle eCourse

$45.00

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HS 92

Financial Literacy Lesson Plans - Grades K-5

This curriculum provides four lessons for each grade level, K-5 to address Iowa's financial literacy content standards. Most lessons use storybooks as the main activity, supplemented by activities to extend learning and to initiate discussions at home.

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Lesson plans + user guide

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User guide

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Kindergarten

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1st Grade

$0.00

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2nd Grade

$0.00

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3rd Grade

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4th Grade

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5th Grade

$0.00

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ICH 6(S)

Iowa Concern Hotline Magnet - Spanish (Unit=Pkg of 25)

A bundle of 25 magnets in Spanish,with contact information for the Iowa Concern Hotline. Hotline provides confidential, 24-hour support for individuals with financial concerns and those seeking stress counseling or legal education.

Each magnet is 2 inches wide by 3.5 inches high.

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Magnet

$12.50

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PM 1924

Planning to $tay Ahead

An 8.5" x 11" booklet that outlines a step-by-step method to develop a spending and savings plan.

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HS 109

Money Talk

This workbook discusses financial basics, insurance, investing, retirement planning, and planning for life events. This practical, clearly written guidebook is the work of two certified financial planners and educators at Rutgers University.

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BFC 33B

Iowa Farm Transition Case Studies: Pursuing the Farming Dream

Justin Van Hof's route to become a farmer was nontraditional. He graduated from college, worked in his father's business and was employed in other professions, yet always returned to farming. It took 16 years, yet Justin has found his niche as a farmer working as a salaried manager for a large diversified farming operation.

This case study highlights the transition planning process and timeline, tools used, lessons learned, and the Van Hof's advice for other individuals considering a career in farming. Questions about employee status and career opportunities are included for family or classroom discussions.

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BFC 33A

Iowa Farm Transition Case Studies: Loomis Family Farm Transition

The Loomis family from northern Iowa has recently completed a successful family farm business transition to the next generation. The transition of their row crop and swine farm spanned the first 22 years of the younger generation's farming career, was well planned and implemented gradually.

This case study highlights the transition planning process and timeline, tools used, the older generation's estate plan, lessons learned, and the Loomis's advice for other farm families considering a farm business transition. Questions about the family's current situation and possible future of the farm are included for family or classroom discussions.

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PM 1825B

Retirement Transitions: Social Security -- Retirement: Secure Your Future

Social Security has numerous options regarding when to file for retirement benefits that have very different consequences for a lifelong retirement income. Use the information in this publication to start considering social security options during the transition to retirement.

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FCS 2206

Money Management Calendar

Individuals and families can increase their money management skill by using this calendar regularly. It provides a place to list fixed, occasional and flexible expenses for each month of the year. These lists then provide a great start for building a budget and comparing year-to-year spending patterns.

These calendars may remain available. Please visit our friends at Alabama Cooperative Extension System (ACES) and browse for resources.

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PM 1797

Decisions After a Death

It is difficult to make decisions or even know where to start after the death of someone close to you. Here are practical suggestions regarding financial and legal matters.

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PM 1820

Where Will Money for Your Nest Egg Come From? -- Retirement: Secure Your Future

Creating a written spending plan and living below your means are discussed to help you consider the choices you have for retirement income.

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PM 1822

Retirement Investment Options -- Retirement: Secure Your Future

Learn about several tax-advantaged retirement plans -- their tax benefits and possible employer match.

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HS 44

Iowa Concern Business card (Unit=Pkg of 50)

A bundle of 50 business cards, measuring 3.5" x 2", with contact information for the Iowa Concern Hotline.

Hotline provides free 24-hour confidential assistance for stress issues, legal questions, and financial concerns.

(previously known as ICH2)

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Miscellaneous Item

$2.00

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HS 44(S)

Iowa Concern Business card - Spanish (Unit=Pkg of 50)

A bundle of 50 business cards in Spanish, measuring 3.5" x 2", with contact information for the Iowa Concern Hotline.

Hotline provides free 24-hour confidential assistance for stress issues, legal questions, and financial concerns.

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Miscellaneous Item

$2.00

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PM 1660I

Coping with Unemployment - Stress: Taking Charge

The loss of a job can be devastating. Taking charge in those circumstances means taking stock of your resources to survive the immediate situation and bring about a positive future. To cope with unemployment or sudden income loss, you can do specific things to help manage until you find another position or until business picks up.

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PDF - English

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PDF - Spanish

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PM 1819

Money Math -- Retirement: Secure Your Future

Figure out how your money will grow and compound, and how costs will increase to help you make informed decisions as you set retirement goals.

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PM 1818A

Retirement Income: How Much Do You Need? -- Retirement: Secure Your Future

Use this five step retirement income planner worksheet to take the mystery out of what you'll need.

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PM 1818B

Estimating Your Retirement Expenses -- Retirement: Secure Your Future

Get detailed help from this expense worksheet that considers early, mid, and late retirement needs.

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PM 1821

Growing Your Nest Egg: Risk and Return -- Retirement: Secure Your Future

You have the most control over your savings and investments -- understand the risks and returns.

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PM 1827

Considering Early Retirement Options -- Retirement: Secure Your Future

Several factors should be considered when making a decision about whether to accept an early retirement offer. Understanding those options will allow you to make the best decision possible.

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PM 1825A

Retirement Transitions: Strategies for Retirement Income -- Retirement: Secure Your Future

There is more than one approach to arranging your financial resources for retirement, each with advantages and disadvantages. Learn more about income strategies to ensure a smooth financial transition into retirement.

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PM 1825C

Retirement Transitions: Required Minimum Distributions -- Retirement: Secure Your Future

Tax-advantaged options for retirement saving and investing are designed to help people accumulate resources that will support them during retirement. Learn more about Required Minimum Distributions (RMDs), how they affect retiree finances, and how to avoid penalty.

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PM 1825D

Retirement Transitions: Income Annuities -- Retirement: Secure Your Future

Annuities can play a valuable role in structuring your retirement income, but they are fairly complex products and may come with high fees. Learn more about the types of annuities and pros and cons of each. Use the consumer worksheet to evaluate your income annuity options before making a purchase decision.

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PM 1816

Begin by Planning Today -- Retirement: Secure Your Future

When you consider your ideal retirement, cost is a factor. This publication covers the basics of financial planning, including the value of starting early, contributing often, and finding investments that are right for you.

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PM 1817

Picture Your Future -- Retirement: Secure Your Future

If you start planning now, you can customize your retirement picture. Ask yourself these important questions and begin working toward securing it today.

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PM 1823

Special Considerations for the Self-employed -- Retirement: Secure Your Future

Find out how your retirement will be affected by your business, whether you transfer ownership, sell, or lease. Family-owned businesses have unique issues.

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PM 1826

Legal Issues in Later Life -- Retirement: Secure Your Future

Some decisions people make or do not make can impact their financial future or that of their loved ones. This publication is designed to help you think about some possible legal issues in later life.

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PM 1660H

Using What You Have to Get What You Want - Stress: Taking Charge

Reduce stress and manage your resources by making six types of decisions: setting priorities, dealing with unexpected events, assessing resources, planning, carrying out the plan, and evaluating the outcomes.

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PDF - English

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PDF - Spanish

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PM 3031

Smart Uses for Your Tax Refund

A tax refund is always a welcome bonus. No matter the amount, the way you use that money can have a real impact on your personal and financial well-being. Before you spend, stop and think. Making the smart choice today will lead to a firmer financial foundation tomorrow.

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PM 1918

Tracking Your Spending

Manage your money with one of these six tracking methods: receipt, calendar, envelope, checkbook, account book, or computer software program.

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PM 1918(S)

Como Seguir La Pista de Sus

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PM 1294

Starting a Home-Based Food Business in Iowa

Find the information you need to sell food products from your home. Includes Iowa licensing and inspection requirements. Also includes contact information for additional help. Full color, 4 page brochure.

IowanEntrepreneurship

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PM 1103

The Spending Game

Managing money means making choices. This game will help you decide what is most important to you among categories like housing, food, and recreation.

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PM 1776

The Allowance Game

Help your child make decisions about spending allowance money wisely. Publication includes game instructions and questions to begin discussion.

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PM 1121

Getting Organized -- Personal and Financial Records

Can you find key information when you need it?

Would someone else be able to find essential information if you were away or ill?

Learn how to keep tabs on the many parts of your personal and financial matters with the forms presented in this electronic 65-page workbook. Download/ print the workbook and record essential financial and family information, lists of financial accounts, insurance policies and credit cards; names of professional advisers; health and employment records; location of important documents; and more...

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PM 1321

Farm Electric Power Sales Tax Exemption

Fuels, including electricity, used directly in processing and production on the farm are exempt from Iowa state sales tax. To receive this exemption, a farmer must provide adequate documentation. This publication provides information, worksheets, and a sales tax exemption certificate to aid farmers.

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PM 1460

Buying a House -- Money Mechanics

This publication and worksheet explore the advantages and disadvantages of home ownership and the costs that are involved. You can estimate the maximum loan and housing price you can afford.

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PM 1462

Saving and Investing -- Money Mechanics

Saving money so it is available for emergencies and short-term goals is the first step of success money management. Investing comes next. This publication can help you get started.

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PM 2037

Iowa Farm Business Resource Directory

This publication offers contact information for programs that will help Iowa farmers improve their operations.

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PM 1455

Income Taxes -- Money Mechanics

A little time and effort can pay handsome dividends. This publication will help you spot tax overpayments and learn to take advantage of tax-saving strategies.

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PM 1459A-B

Credit and Analyzing Your Debts Worksheet -- Money Mechanics

This publication will help you understand when and how much to borrow, give you tips on how to shop for credit, and includes information on credit reports and credit rights.

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PM 1463

Estate Planning -- Money Mechanics

This publication can help you develop your estate plan by providing details on the process and explaining legal guidelines.

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PM 1924(S)

Planear para $alir Adelante

An 8.5" x 11" booklet that outlines a step-by-step method to develop a spending and savings plan.

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ISUP 1

Better Farm Accounting: A Practical Guide for Preparing Farm Income Tax Returns, Financial Statements, and Analysis Reports

Better Farm Accounting has been an agricultural institution since its initial publication in 1946. This inexpensive, easy-to-use book has served as a practical aid to agricultural producers for generations. The new edition will include updated headings for income and expenses and information will be reorganized to make this edition even more user-friendly. In addition, new separate sections devoted to purchases and sales of capital assets, loans, and loan payments will also be added.

Currently available from publisher John Wiley & Sons, Inc.

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NRAES 182

Small Steps to Health and Wealth

Twenty similarities between personal health and wealth issues are described and common obstacles to change are reviewed. Then twenty-five strategies to change behavior for improved health and increased wealth are described. Fourty-four worksheets and sixteen information-packed tables help the reader adapt these strategies to their situation. Health and wealth benchmarks are included to help define health and wealth goals. Includes extensive lists of reference and web-based resources.

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PM 1461

Owning a Car -- Money Mechanics

Most families spend more on transportation than on any other expense category. This publication can help you make wise decisions and learn ways to trim the cost of owning a car.

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PM 1458A-B

Health and Disability Insurance with Shopping Worksheets -- Money Mechanics

Learn more about health and disability insurance options and how best to shop for them. Includes worksheets to help you compare companies.

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PM 1457

Life Insurance -- Money Mechanics

Life insurance protects your family’s financial resources when you die. Learn tips on buying life insurance, how to estimate your insurance needs, and the types of policies that are available.

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PM 1456

Home Insurance -- Money Mechanics

In case of disaster, buying home insurance is one way to protect yourself against having to risk replacing your home and personal possessions. Here’s help on choosing the right policies and coverage.

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PM 1454A-B

Spending Plans and Worksheet -- Money Mechanics

A spending plan is a tool to manage your money. Making a spending plan involves setting long- and short-term goals, analyzing what income you have available to meet those goals, developing a plan, and putting the plan into action. Includes helpful worksheets.

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PM 1452A-B

Record Keeping -- Money Mechanics

Record keeping can help you keep a close tab on your spending habits, manage your family’s daily financial responsibilities, and locate records and business papers easily when needed.

PDF includes an Income and expenses/Net worth statement worksheet.

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PM 1453

Communication -- Money Mechanics

Talking about money isn’t easy but this publication has tips to start your family communicating. Also includes a plan to reach financial goals and a “talk about money” quiz.

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PM 1720

Managing income and expenses - Divorce Matters

Financial stress from divorce can be minimized by enabling individuals to carefully make the best of their financial situation and avoid costly errors as they move forward.

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PM 1167E

Farming: Special Considerations - Ready, Set, Retire

Farmers need to consider some unique situations regarding retirement. Read about setting retirement goals and estimating cost of living and income in retirement. Two worksheets are provided to help the process. Also discussed -- what will happen to the farm business.

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PM 1167F

Farming with an Operating Heir - Ready, Set, Retire

It is in the best interests of both generations that the farm transfer be accomplished with a minimum of financial and emotional cost. This publication explores the many options available and how all parties’ needs can be met.

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PM 1167G

Farming without an Operating Heir - Ready, Set, Retire

In general, there are five major alternatives available to retiring farmers who have no heirs interested in taking over the farm operation. The alternative chosen depends primarily on the amount of leisure time desired and the amount of work the retiring farmer wants to do.

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PM 1167H

Farming: Social Security Issues - Ready, Set, Retire

As a self-employed individual, a farm operator is covered by social security. This publication discusses social security issues for farmers prior to and after retirement.

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PM 1167I

Farming: Investment Planning - Ready, Set, Retire

As farmland values and stock markets can be unstable, having all of a family’s investments in one venture is risky. This pamphlet presents issues in investment considerations before retirement and at retirement.

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PM 1719

Separating Your Finances - Divorce Matters

The financial separation that comes with the divorce process can be made less difficult if you find out what your options are and remain aware of your financial situation.

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VID 3

Take Control of Your Spending video

Everyone talks about planning and managing money, but no one ever really explains how to do it. A lot of us live paycheck to paycheck, with no idea where the money goes and no plan for the future.

In this video, we show you how to make a spending plan. You will learn:
• How you currently spend your money
• How you can spend in order to reach your goals.
• How you can track your spending to stay within your spending plan.

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