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Eugene Heathman
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The economic vitality of  resort and secondary markets are reliant on a solid infrastructure. Companies reaching out to these communities not only base their decisions on housing, schools and a skilled workforce but  the quality of infrastructure to sustain long term objectives.
The New Mexico Infrastructure Finance Conference will be in Ruidoso, NM Oct  26-28.

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Are you ready to do some hunting?
Well here is a sneak peek at one of our very special live auction hunts.
The Regional Director Turkey Hunt is a Filmed Eastern Turkey Hunt in North Georgia.
This is a 1 person 3 day filmed hunt in the beautiful ridges of North Georgia at the foothills of the Blue Ridge Mountains. Taking Place in the spring of 2017

This hunt is filled with history, picturesque scenery, and lots of excitement!! All filmed and edited into a show type format for you, your friends, and family to enjoy for years to come.

Includes Meals and Lodging
(License Fees &Travel to Georgia responsibility of Winner)

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Celebrating Ten Years of Hunting Heritage in New Mexico!

The Best Premium Gun Tables in the West! The Platinum Gun Table provides reserved front and center seating with all the privileges one would expect. Not to mention your choice of a premium Remington Versamax Sportsman 12 gauge shotgun, Browning X-Bolt Stalker 30.06 or Springfield Armory 45AP 1911 hand gun.
Platinum Sponsorship gives you the pride of ownership! Your table also comes with plenty of NWTF gear . Your business or namesake will be listed on the website for one year, recognition with your sponsor marketing at local events and the Annual Hunting Heritage Banquet.
Enjoy a Lincoln County BBQ Dinner, Cobbler Dessert, a one year NWTF membership with the opportunity to play games for prizes, raffles for excellent prize packages, bid on great hunts an premier firearms. Fun for the entire family!

Reserve your tickets online today

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Business development services help clients improve bottom line
By George Kenefic, director of enterprise empowerment, The Loan Fund
By the time a client gets a loan from The Loan Fund, she’s in a committed partnership with the nonprofit lender. That’s because The Loan Fund offers business development consulting to all potential clients — not just those who receive loans.
The Loan Fund loan officers provide “pre-loan consulting” the moment they receive an inbound call or greet an office visitor.  And consulting continues after the client walks out the door — either to get more prepared or to start putting the loan money to work building a business, creating jobs and improving communities. The Loan Fund is fully invested with the people whose business startup and expansion plans it helps finance —even with those who aren’t ready for a loan.
To fulfill its mission “to provide loans and assistance to improve the economic and social conditions of New Mexicans,” The Loan Fund offers the kind of advice and support that help businesses grow and reach sustainability.
But even if the business isn’t ready for a loan right away, the owner benefits by talking with The Loan Fund. If a loan officer sees the business isn’t ready for a loan, she can help the business owner develop a strategic plan or refer him to the Small Business Development Center or WESST, where the applicant can attend business-training workshops.
In 2014, The Loan Fund provided 4,000 hours of business development services — the equivalent of one full week of consulting to every one of its clients.
The Loan Fund and its clients share a mutual benefit in ensuring that a client’s business is sustainable or is growing. When a loan recipient succeeds in business and repays the loan, those funds become available to other businesses, many of which might not qualify for a loan from a traditional lender.
If a business fails and the client defaults, those funds are lost, and that makes it harder for The Loan Fund to ask its funders — the New Mexico Small Business Investment Corporation, USDA Rural Development and the Small Business Administration, as well as private donors — for more loan capital.
In fact, such pre- and post-loan assistance is required by some state and federal organizations. For example, when the SBA initiated its relationship with The Loan Fund in 2011 by providing $750,000 in funds for small-business loans, it awarded an additional $170,000 to underwrite technical assistance services.
That money allowed The Loan Fund to hire professional consultants with intimate knowledge of local markets. Two consultants now serve the northern region from Santa Fe, another serves Southern New Mexico from Las Cruces and the central region is served from The Loan Fund’s office in the Barelas neighborhood of downtown Albuquerque.
Since its inception and initial funding in 1989, The Loan Fund has loaned $61 million and helped create or preserve more than 8,000 jobs across New Mexico. In the past 18 months, the organization loaned businesses — 80 percent of which are owned by women or minorities — more than $9 million. That translates to 17 startups per year over the past five years.
For more information about The Loan Fund, visit or call 505-243-3196.
Finance New Mexico is a public service initiative to assist individuals and businesses with obtaining skills and funding resources for their business or idea.  To learn more, go to

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Ruidoso Youth to Take Aim at Shooting Sports

The NWTF Lincoln County Spurs Chapter will be hosting a Jakes Take Aim , youth hunting and conservation event Monday August 03 at the NWTF Lincoln County Spurs Pond & Wetland Conservation and Outdoor Lab project site 801 Resort Drive Ruidoso, NM 88345.

For more information registration or to volunteer for the NWTF Lincoln County Spurs Chapter simply Facebook message the Lincoln County Spurs or email

 There is no charge. All skill levels are invited to attend; volunteers will be on hand to assist.
 Participants also will have the opportunity to enjoy The Village of Ruidoso Parks and recreation department Wilderness Camp  

The NWTF started JAKES Take Aim with a goal of tripling the annual number of youth shooting participants at JAKES (Juniors Acquiring Knowledge, Ethics and Sportsmanship) outreach events – from 50,000 to 150,000 youth – by 2016. 

Larry and Brenda Potterfield, shooting enthusiasts and founders of MidwayUSA, an online shooting and hunting program. Without the Potterfield donation, the program would not be possible.

Daisy Outdoor Products is the equipment sponsor for the JAKES Take Aim program, which presents opportunities for youth age 17 and under to try target shooting and sporting clay shooting with air guns in a safe, fun environment. The company stocks JAKES Take Aim shooting trailers with airguns, pellets, targets and other equipment to set up safe airgun ranges at any youth event. 

Studies have shown that participation in sport shooting is declining, which is mirrored by a decline in hunting participation. Both declines are a growing concern for state fish and wildlife agencies, nonprofit organizations and conservationists because a large percentage of conservation projects are funded through the taxes on firearm sales and ammunition. 

The NWTF is helping to counteract this trend by recruiting and retaining youth hunters, shooters and conservationists and introducing youth to the outdoors through its JAKES and JAKES Take Aim outreach programs. 

“Shooting builds confidence and gives young people confidence and an instant sense of accomplishment. The JAKES Take Aim program introduces the next generation of conservationists to the shooting sports and helps promote our hunting heritage and wildlife conservation,” said Mandy Harling, JAKES program coordinator. 
This year, fully equipped JAKES Take Aim shooting trailers have debuted in seven states with 18 additional trailers available by the end of 2011. Trailers are available for use through state agencies and NWTF state chapters. 

About the NWTF:  The NWTF is the leader in upland wildlife habitat conservation in North America. A nonprofit organization dedicated to conserving the wild turkey and preserving our hunting heritage, the NWTF and its volunteers work closely with state, federal and provincial wildlife agencies and other partners.

Through these dynamic partnerships, the NWTF and its members helped restore wild turkey populations throughout North America, spending more than $372 million to conserve 17 million acres of habitat. Wild turkeys and hundreds of other species of upland wildlife, including quail, deer, grouse, pheasant and songbirds, benefit from this improved habitat.

The NWTF also brings new conservationists and hunters into the fold through outdoor education events and its Women in the Outdoors, Wheelin’ Sportsmen, JAKES and Xtreme JAKES youth outreach programs. Dedicated NWTF volunteers introduce about 100,000 people to the outdoors through these programs every year.

Founded in 1973, the NWTF is headquartered in Edgefield, S.C., and has local chapters in every state and Canada. According to many state and federal agencies, the restoration of the wild turkey is arguably the greatest conservation success story in North America’s wildlife history. 
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January New Mexico Housing Trends Slightly Above 2013; Slightly Below 2014
1,012 sales were reported to the REALTORS Association of New Mexico (RANM) during January 2015.  This number is 0.8% ahead of January 2013 when 1,004 sales were reported and 1.4% lower than the January 2014 number of 1,026.
“Low interest rates, new policies introduced recently including the Federal Housing Finance Agency’s 3% down payment program and the Federal Housing Administration’s mortgage insurance premium reduction policy have helped,” says Baro Shalizi, 2015 RANM President.  “However, the January 2015 New Mexico housing market reflects national trends.”
RANM CEO Steve Anaya reports, according to the NATIONAL ASSOCIATION OF REALTORS, January closings are down throughout the country.  “January housing data can be volatile because of seasonal influences.  REALTORS are reporting low rates are attracting potential buyers, but the lack of new and affordable listings is leading some to delay decisions.”
January’s reported median price for a property sold in New Mexico was reported at $167,500.  Not surprisingly, this number is 6% higher than the median reported in January 2013 ($158,000) but 0.9% less than January 2014 median of $169,000.  Median price indicates half the properties sold for more and half for less.
The trends and numbers reported are only a snapshot of market activity.  If you are interested in buying or selling, consult a REALTOR familiar with your market area; he/she can provide information on specific trends in your neighborhood.

Return on investment begins at the drawing board
By Finance New Mexico
Businesses invest lots of human and capital resources into marketing, asset purchases and outreach. Their goal is to generate the best return on every dollar spent, every hour worked and every keystroke made.
Return on investment, or ROI, measures how much money or other tangible benefits the business makes on every investment.
For example, if a business invests in a modern computer system to expand its reach and improve its service to Internet shoppers, the return on investment would measure how many new customers it gained and how much these newcomers spent. These gains would be analyzed in relation to the amount of the investment.
ROI should be considered for every business investment, and various formulas can be used.
Classic formulas and variations
To calculate the classic ROI formula, the prospective business investor divides the cost of the investment into the estimated benefit or gain — the returns after costs are subtracted. The equation, expressed as a percentage, looks like this: Percent ROI = (Gains – Cost) / Cost.
It seems straightforward and simple: A negative number equals a poor ROI, while a positive one suggests a good investment — and the higher the positive number the better the investment potential. Yet the results can be deceiving, as the number can vary depending on what the investor includes in the “returns” and “costs” categories.
That’s why businesses sometimes use ratios to analyze a prospective investment. These ratios illustrate relationships between the investment and the expected increase in sales or net income it generates. And they can be analyzed alone or as part of the overall cost of operations.
The investment turnover ratio, for example, takes gross sales or revenue and divides this number by the company’s total assets. If the ratio is calculated on both the new investment alone and the investment as part of existing operations, its effects can be compared and seen in context.
A related ratio measures return on assets by dividing net income by total assets.
Whatever formulas work best for the potential investment, the business owner should know what inputs are being used as variables. Furthermore, the resulting ratios should be compared to industry standards or, absent those figures, to ratios resulting from the company’s previous lucrative investments.
The formulas can also be used to isolate specific moments in the company’s history that can be compared to detect trends.
Respect for resources
Even if all the major profit-and-operations ratios point to a profitable investment in a company expansion, purchase or product outreach, the business can sabotage a positive ROI if it doesn’t research the market and involve core stakeholders in the project.
Rigorous planning that invites input from employees, investors and customers can identify potential costs and risks associated with any new investment, whether it’s introducing a new technology or buying a rival business.
Forecasting returns should never be done without also forecasting risks. The strategic plan for any business investment — big or small — should include room for solutions to every problem that planners can imagine.
Finance New Mexico is a public service initiative to assist individuals and businesses with obtaining skills and funding resources for their business or idea.  To learn more, go to

Real estate loans help business owner promote community health
By Metta Smith, director of lending and client relations, Accion
Health is a common denominator of Deanna Montoya’s Belen businesses: the Extreme Fitness gym, which she started seven years ago, and the Enchanted Smiles dental practice, which opened in September 2013.
The lifelong Belen resident operates both businesses, leading Zumba classes at the gym and working as a dental hygienist at Enchanted Smiles.
Montoya’s passion for fitness is obvious to locals — whether they’re the other instructors she employs to lead spin, rip and circuit training classes at Extreme Fitness; the dentist, receptionist and part-time hygienist who work at the dental practice; or the people who’ve benefited from community fundraisers Montoya has hosted to help pay her neighbors’ medical bills or raise awareness about cancer.
That enthusiasm was equally apparent to loan officers at Accion New Mexico, the nonprofit business lender that provided the commercial real estate loans that Montoya needed to open the gym and purchase the dental practice.
“In addition to a deep commitment to running a business and knowing what she was looking for in a commercial property, Deanna’s great character and passion for what she does was evident from the start,” said Justin Hyde, New Mexico market manager for Accion.
Commercial real estate loans are often more complicated than home mortgages, in part because the businesses that occupy the property typically need to generate sufficient revenue for the loan payments.  As a result, the loans often require more paperwork and analysis, and Montoya had little time to spare for either as a working mother of four children. “I approached Accion, and with both loans I was assured I would more than likely get the financing, and that the committee meets every (week) to review loans, and if any other paperwork was needed they would let me know. They are very easy to work with.”
Accion offers commercial real estate loans of up to $750,000, and will consider more in some cases.  Certified as a Community Development Financial Institution (CDFI), Accion can oftentimes be more flexible than a traditional lender around considerations such as credit history and collateral values for commercial real estate loans.
Montoya first spoke to Accion about the gym loan, and she had the money within a month.  The longest part of the process was getting a commercial appraisal, which took two weeks, Hyde said. The loan for the dental office took longer, mostly because it involved a business acquisition rather than a simple real estate purchase.
Deanna’s history with Accion on the gym loan helped her prepare for the process on the second loan, Hyde said. “The underwriting process and the work on our side remain the same for returning clients. But Deanna was motivated, so she provided the necessary documents in a timely manner, allowing us to act quickly.”
Accion accepts down payments as low as 10 percent of the property value to purchase commercial real estate, whereas many traditional lenders require 25 to 30 percent down. The business property itself serves as collateral.  Initial loan terms range from five to seven years with amortizations of 15 to 25 years.    
To apply for a loan at Accion, visit or call 800-508-7624.
Finance New Mexico is a public service initiative to assist individuals and businesses with obtaining skills and funding resources for their business or idea.  To learn more, go to

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