Turner County News & Events
SGBC Celebrates National Ag Day with Financial Tips for Farmers
“There are a number of challenges facing today’s young producers. We’re here to help navigate the financial ones,” said Sam McCard, SGBC Executive VP and Chief Credit Officer. “We want to make financial decisions easier so farmers can focus on the farm.”
When speaking to a banker, young and beginning farmers should keep the following in mind:
1. Sweat the small stuff. Keeping accurate and detailed records encourages both short-term and long-term financial planning. Not only does it help you stay organized and make better management decisions, it makes it easier for your lender to assess your financial situation.
2. Develop a business and marketing plan. You will work smarter and improve your odds when you focus and organize your goals.
3. Evaluate your capital investments for profitability and payback. Keeping track of how long it will take to generate enough cash flows from a capital investment to justify the investment will help you make better financial decisions for the future.
4. Know your costs. When you consider your cost of living and expenditures, including depreciation and family living, you’ll have a better understanding of your overall financial situation. Your local banker can provide guidelines to monitor your financial ratios.
5. Decide on what type of operation you want to run. New farmers and ranchers should either be very efficient, low-cost producers or should add value that someone else will pay for.
6. Consider supplementing your operation with off-farm income until your operation is large enough to employ you profitably full-time.
7. Consider renting farm equipment or custom hiring instead of purchasing.
8. Shop around. Getting price quotes on supplies such as feed, fertilizer and fuel can uncover lower cost sources. Your research might get you a discount from a local, preferred supplier that gives excellent service. Make sure product quality is part of your evaluation.
9. Ask your banker about how to get access to state and federal credit enhancement programs. Some banks also offer special benefits for first-time schedule F tax filers.
10. When in doubt, ask for help and guidance from someone you trust–an experienced farmer or rancher, a trusted adviser or your local banker. You don’t have to make these important financial decisions alone.
7 Ways to Stay Safe Online
South Georgia Banking Company offers tips in recognition of Safer Internet Day Feb. 7
“Criminals have become more and more sophisticated with their hacking techniques,” said Melinda Moore, SGBC Executive Vice President and COO. “As a result, it’s extremely important for consumers to secure their wireless networks and set strong network passwords using a combination of letters, numbers and special characters to actively guard against online threats.”
SGBC recommends the following tips to keep you safe online:
• Keep your computers and mobile devices up to date. Having the latest security software, web browser, and operating system are the best defenses against viruses, malware, and other online threats. Turn on automatic updates so you receive the newest fixes as they become available.
• Set strong passwords. A strong password is at least eight characters in length and includes a mix of upper and lowercase letters, numbers, and special characters.
• Watch out for phishing scams. Phishing scams use fraudulent emails and websites to trick users into disclosing private account or login information. Do not click on links or open any attachments or pop-up screens from sources you are not familiar with. Forward phishing emails to the Federal Trade Commission (FTC) at firstname.lastname@example.org – and to the company, bank, or organization impersonated in the email.
• Keep personal information personal. Hackers can use social media profiles to figure out your passwords and answer those security questions in the password reset tools. Lock down your privacy settings and avoid posting things like birthdays, addresses, mother’s maiden name, etc. Be wary of requests to connect from people you do not know.
• Secure your internet connection. Always protect your home wireless network with a password. When connecting to public Wi-Fi networks, be cautious about what information you are sending over it.
• Shop safely. Before shopping online, make sure the website uses secure technology. When you are at the checkout screen, verify that the web address begins with https. Also, check to see if a tiny locked padlock symbol appears on the page.
If you are a South Georgia Banking Company customer, there will be no interruptions of service. Our top priority at SGBC is to meet our customers’ needs to ensure their financial success, and we are committed to making this change as easy as possible for you. The Ashburn Branch will continue to provide the same products and services you have been accustomed to and you can count on seeing the same familiar faces as well. Even more, we have expanded our business hours at the Ashburn branch:
South Georgia Banking Company
561 E. Washington Avenue
Ashburn, Georgia 31714
Monday-Thursday: 9: 00 am – 4:00 pm
Friday: 9:00 am – 5:30 pm
Monday-Thursday: 8:30 am – 5:00 pm
Friday: 8:30 am – 5:30 pm
Saturday: 8:30 am – 12:00 pm
In addition to our seven convenient locations throughout South Georgia, you may also access your accounts 24 hours a day, 7 days a week by using SGBC online and mobile banking at www.sgbconline.com, calling 1.877.482.5680 for telephone banking or download our mobile app.
Age Category: Under 18 ( ) 18 & over ( )
Title of Photograph: _____________________________________________________
Choose the Appropriate Category: People ( ) Animals ( ) Landscape ( )
An impartial judging committee will judge the photographs on composition, clarity, use of subject and conveyance of theme.
Rules: Amateur photographs only. Professional photos will not be accepted.
All photographs must be submitted as 8 x 10’s. They may be in color or black and white. They must be matted or mounted for display. NO frames.
Limit 2 photographs per person per category.
One Registration Form is required for each photograph.
Photographs are due no later than 5:00 P.M. on FRIDAY March 17th at South Georgia Banking Company in Ashburn to the attention of Donna NeSmith.
Photographs will be on display at South Georgia Banking Company, Ashburn, during the week of the festival, March 20-24.
The Photography Show will be displayed on Saturday at the Fire Ant Festival at a location later announced.
Contact Donna NeSmith with questions: Phone: 229-567-9686 Email: email@example.com
Life’s is a beach in Ashburn ... or at least, it was for a day. Customer Appreciation Day was enjoyed by customers and employees alike. All we were missing was the salty beach breeze!
- City of Ashburn (Opens in a new Window) (Opens in a new Window) (Opens in a new Window) (Opens in a new Window)
- Turner County Chamber of Commerce (Opens in a new Window) (Opens in a new Window) (Opens in a new Window) (Opens in a new Window)
- Turner County School System (Opens in a new Window) (Opens in a new Window) (Opens in a new Window) (Opens in a new Window)