It’s their business: Mesa Financial

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CNJ staff photo: Cortney Graham By Jean Verlich: CNJ news editor Name: Mesa Financial Location: 403 Pile St. What they do: Lending institution — make loans to purchase vehicles, personal loans, mortgages Who’s in charge: Jason Crume is the manager and partner. Employees: Two plus Crume How long in business: 10 years, moved in April […]

List: Memorial Day closings

The following government offices, financial institutions and schools will be closed for Memorial Day: Banks Federal credit unions City Animal Shelter Curry County State Wayland Baptist University Clovis Community College Clovis Municipal Schools Eastern New Mexico University

Check your ROI often

By Sandra Taylor-Sawyer: Everybody’s Business In previous columns, I’ve discussed how business owners can use financial ratios to assist in making management decisions. Another important financial ratio in determining success is the return on investment ratio. Business owners should set an ROI goal and review the ratio regularly. A business owner’s desire is to make […]

Organization key to reaching financial success

By Janet Taylor-Birkey It’s the time of year when people think about getting their finances in shape. According to Dave Ramsey, the average enlisted person will have $750,000 go through their hands in a 20- year career. It’s important to know what is going on with that money. When was the last time you looked […]

Everybody’s Business: Gauge success with financial ratios

By Sandra Taylor-Sawyer Last month’s column included discussion of important financial statements owners of small businesses can use to analyze the financial condition of their business. This column continues the discussion with information about another important financial ratio: debt to equity. A balance sheet is needed to obtain the information to compute the debt-to-equity ratio. […]

Education Digest: Seniors should consider checklist

By Marlena Hartz: CNJ staff writer College-bound seniors should do three things before Dec. 31, according to a press release from Scott Anderson, an author and expert in college funding. In his press release, he recommends seniors heading to college should: 1) Remove savings from their name. If that isn’t possible due to IRS regulations, […]

Everybody’s business — Financial statements powerful asset

By Sandra Taylor-Sawyer As 2006 comes to an end, it is a good time to reflect on past accomplishments, future endeavors and failures. Yes — failures. Failures can build or weaken a business depending on the step taken immediately following the mishap. That step should be to get up and not lie down waiting for […]

Clovis candy company helps soldiers in need

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CNJ Staff Photo: Andy DeLisleKathy Martinez makes peanut By Sharna Johnson: CNJ Staff Writer The Friends of Cannon Families helps airmen bridge financial gaps when needs arise, yet this year the group found its coffers lacking. That is when a Clovis businessman devised a plan to sweeten the pot. During a spring meeting of the […]

Data-mining of banks blow to liberties

Freedom Newspapers The banking data-mining program exposed by the New York Times and Los Angeles Times on Friday might be legal and it might even have been helpful as an emergency response, but it is more evidence that what was once the freest country in the world is turning into a government run rampant. Worse, […]

The battle for your buck

Janet Taylor-Birkey (Editor’s note: This is the second of a three-part series about Airmen and their money.) Vulnerabilities often result from financial storms While the phrase, “It’s only money” is commonly used, Airmen and other military members may face a special vulnerability when it comes to dealing with their finances. Benefits such as medical and […]

Wal-Mart likely to lower banking cost for consumers

Freedom Newspapers Who would have thought that one of the nation’s most successful firms, renowned for helping consumers by offering low prices and decent jobs, would become a lightning rod for so many disgruntled people? Once again, during hearings this week at the Federal Deposit Insurance Corp. in Washington, D.C., we see that mere mention […]

Encourage legislators to encourage savings

By Fred Nathan: Guest columnist The national savings rate is at its lowest point since the Great Depression, according to a report issued recently by the Commerce Department. Last year, Americans’ personal savings actually fell into negative territory (at minus 0.5 percent) for the first time since 1933. With fewer and fewer companies providing pensions, […]

Learn how to curb those cards

Janet Taylor-Birkey The average American will spend about $763 for holiday shopping according to the USA Today. Typically, if a credit card is used, it will take approximately 36 months to pay off those seasons greetings. Holiday spending is inviting, but often digs a hole that is almost impossible from which to climb out. But […]

Base chapel offers financial peace

By Capt. (Chaplain) Mark McKellen If you are in debt and are having trouble making ends meet, what do you do? Get another credit card? How about attending a program called Financial Peace University? FPU was founded by Dave Ramsey who was a multi-millionaire in his mid-20’s while working in the real estate business. His […]

Economist to explain financial safeguards

By David Irvin: CNJ staff writer A former bank chief and published economist will give advice to local residents Thursday about how to safeguard their nest eggs, especially since Cannon Air Force Base has been recommended for closure. Larry Bates will talk at the Economic and Political Risk Conference at 7 p.m. at the Clovis […]

Securities law should embrace, not stifle, risk

Freedom Newspapers American securities law should be transparent, so investors can see what’s going on with a company, yet not so cumbersome that it harms business. We’re not yet at that ideal balance. A major problem is the Sarbanes-Oxley legislation Congress passed and President Bush signed in 2002 in the wake of the financial collapse […]

Consider capacity for action, not intent

By Walter E. Williams: CNJ columnist “On Sept. 11, one in 3,000 New Yorkers perished, but in the same year, over one in 1,000 urbanites were murdered in three major cities in the Western Hemisphere alone,” according to Russell Seitz in his article “Weaker Than We Think” in The American Conservative. He adds that the […]

More than one-third of CCC students received finicial aid in 2003-04

CNJ staff Clovis Community College disbursed more than $6 million in financial aid in 2003-2004, according to numbers presented by the school at Wednesday’s Board of Regents meeting. April Chavez, CCC director of financial aid, said more than 1,700 students received some type of aid, making up more than one-third of the school’s enrollment. Many […]

Enron court case will not prevent further problems

Freedom Editorial It is easy to view the recent indictment and arrest of former Enron Chairman and CEO Kenneth Lay with a degree of satisfaction. Executives of the now-bankrupt Enron have been accused of hiding billions of dollars in debt and embellishing company financial statements with complicated off-the-books transactions. Its collapse hurt thousands of employees […]

Time, patience, earns degree

By David Arkin: CNJ Correspondent Lenna Rolan doesn’t think it’s a real good idea for her to pursue a master’s degree. She’s just not sure when she finish it. You have to understand, it took her 26 semesters to get her undergraduate degree. It’s not that Rolan had trouble in class — in fact she […]