MICHAUD 



Nurseries & Greenhouses, Inc. 



Route 85, PO Box 334, Exeter, NH 03833 

 (603) 772-3698 



Wholesale & Retail 



Annuals, Perennials, Nursery Stock, 

 Landscape Supplies 



STEENBURG & CALLIORAS 



THE AUCTION 

 PROFESSIONALS, INC. 



AUCTIONEERS: 



Archie Steenburgh 



603/989-5690 



Route 10, Haverhill, NH 03765 



Peter Callioras, C.A.I. 

 603/868-1070 



Calef Highway (Lee), Dover, NH 03820 



PIONEER POINTERS 



Credit as a Business Tool 



The 1996 growing season is here and you are 

 busy malting daily management decisions that hope- 

 fully will maximize the profitability of your business. 

 Many of you are planning and growing for 1996 without 

 taking time to maximize your financial return or to con- 

 sider methods to improve future profitability. Financial 

 management is often neglected by business owners, but 

 it's important to develop a plan to keep your money 

 working for you as you add to your business and per- 

 sonal wealth. 



If you use credit to operate your business (most 

 successful businesses do), review the debt structure. Is 

 the credit (both operating and term debt) structured in 

 a method that will maximize the return to your business 

 within the scope of your long-term business plan? Oper- 

 ating credit lines may be used to take advantage of 

 cash discounts with your suppliers. Interest rates on op- 

 erating lines are typically lower than supplier finance 

 charges. 



For more on how credit can assist you witk your business man- 

 agement — and additional pointers for you to consider as well, the 

 Bedford office of First Pioneer Farm Credit is at 2 Constitution 

 Drive; the phone number there is l-800-82?-3232. 



"Helping You to Qrow" 



B»E» Supply 



GREENHOUSE SUPPLIES & EQUIPMENT 



Hemlock Road, Langdon 

 Mailing Address: RO. Box 0, Charlestown, New Hampshire 03603 



• Nu-Form Products 



• Reb Products 



• Pre-filled Flats & Pots 



• Distributors for Plasti Form &. Plasti Vac 



• Restricted Pesticides 



• Kord Products 



• Fertilizers 



• Distributors for Hyde Park &. Sunshine Soils 



603-835-6930 Fax: 603-835-2180 



APRIL ♦ MAY 1996 



27 



