less than the face value of the property. Obtain the value from your insurance agent. If you own term insurance, there will be no cash value, so dont list the policies.     Accounts and Notes Receivable: List only those business assets and other assets that are not shown on a separate financial statement for your business or secured by real property. List each note (loan) people owe you and show the unpaid balance and payment schedule, as well as a description of any property securing the note. Briefly state your relationship to the payer and indicate if the payment of the loan is questionable.     Trust Deeds and Mortgages: Itemize any properties you have sold or lent money against for which you are carrying back a mortgage (deed of trust). Also list notes you hold that are secured by real property. Loans against property you own will be listed under Liabilities .), name of payer, payment terms and the current unpaid balance. State your relationship to the payer and the status of the note.     Real Estate: Describe each piece of real estate you own. State whether it is unimproved, a personal residence, a rental or whatever. Include the street address or parcel number of each property. Estimate the market value of your property by checking newspaper listings for your neighborhood, calling a local realtor or comparing the recent sale prices of similar property. If you own valuable property other than your house, its best to include a written appraisal.     If you own real estate with others and the co-owners are not going to co-sign your business loan, describe how title is held, such as, "John Jones as separate property" or "John Jones and Mary Smith in joint tenancy."     Personal Property: Personal property is anything you own that is not real estate. Separately itemize each of the more valuable items like cars, boats and collections, describing each item in as much detail as possible. Less valuable property can be grouped together, such as "household furniture," "appliances" or "power tools." You dont need to be overly detailed. Dont forget household items, valuable clothing, jewelry, electronic equipment, musical instruments and sports equipment.     Estimate the current market value. For cars, start with the high Edmunds Used Car or Kelley Blue Book price. Jewelry, antiques and other collectibles should be appraised if you plan to show them as a significant part of your assets. Make a ballpark figure of less valuable groups of property; garage sale prices should suffice.               vested portions of pensions or profit sharing retirement plans, business interests (value of partnerships, etc.), unlisted securities, trusts, life estates, copyrights, patents, trademarks and so forth should be listed in this section.     Remember not to list the income generated by your assets.     Total Assets: Finally, add up the values of all your property listed on the form. The result is your total assets.