8 HIDALGO COUNTY HERALD
FRIDAY, OCTOBER 7. 2011
FOR SALE
YARD SALE
REAL ESTATE
FOR RENT
YARD SALE: Children's clothes, fur-
niture, housewares, tools, antique
tools, air compressor and camper
shell. Saturday. October 8, 7:00 a.m.
to 11:00 a.m. at 1404 Lead Street
(KOA Street).
T ...........................................
YARD SALE: Saturday, October 8, 8
to 11 AM. 2 beige swivel bar stools
$30, infant boy clothes, baby swing,
toddler car seat, boys toddler bed
frame with matching comforter and
bean bag (sports theme), 100 lb.
Everlast punching bag with stand
$150 and more! 95 Soto St.
Lordsburg. For more information call
542-3753. leave message. All excel-
lent condition.
1 tp
FOR SALE
BOAT FOR SALE: 18' fiberglass out-
board motor Ski Boat,'Mercury 135
engine. $1500 OBO. Call 575-590-
0917.
ltp
Advertising in the
flidalg() C()untv
Is easier than ever!
FOR SALE:
Chevrolet Motor Home. low miles,
runs good $2000 OBO HOUSE FOR RENT: 2 or 2 bedroom,
1996 Chevrolet Corsiba, runs good 1 bath home with fenced back yard.
$750 firm
No indoor pets. Call 575-590-1063.
Webley Mark 6 454.Revolver $23/o7p
Laptop Computer with Windows XP
& WiFi $200
New Adirondack Rocking Chair,
PicnicTables, Dog Houses,
Planters & Birdhouses.
HOUSE FOR SALE OR RENT: 601
Call 575-313-0961
ltp East 7th Street, 3 BR, 2 BA. $600/Mo
Rent. Block fenced yard, newly
painted inside.Call 480-380-7873 or
ApacheWar Dance/Self Defense 575-542-3700.
YARD WORK: Call 575-313-3247.
"Cleanliness is next to Godliness."
ltp
............................................
Math Tutoring
PO Box 520
Lordsburg, NM 88045
bidandeechohi @ yahoo.com
ltp
Southside Readers of the Week
CORRECTION. Southside Elementary School Readers of the Week were Madison Miller, Vincent
Montoya, Brooklyn Romero, Skeater Lassiter, Candelario Mendoza and Vanessa Montoya. They are
pictured above with Principal Garcia. Courtesy photo
Po Box 520 07/21p, SBDC
............................................
Lordsburg, NM 88045
bidandeechohi @ yahoo.com FOR SALE or RENT: 2 bedroom, 1 dy h g
ltp bath house with attached garage forBe rea w en banks p up their lendin
............................................ sale. $40,000 or rent for $450/Month.
Big, enclosed back yard with block By SBDC Staff if minimal monthly payments are
fence. Excellent shape. Call 542-9663 Will you be sitting on "go" made. bankers question if addi-
or575-590-0818, when banks start lending again? tional interest and principal on a
ltp We may be headed into un- new loan can be afforded.
............................................ charted territory, but banks have Bankers also like to see a
WILL BUY GOLD! Gold jewelry,
scrap, broken pieces, dental gold, any
condition. 8K-18K If your not sure,
we'll test it for you. Call 575-639-2484
or stop by the Cottage House, 214
East Motel Drive. ltp
VISA
. Out of the blue.
) see if you qualify:
dblue.com/usa
tckage only. Not available in all areas.
hsted phone number.
Come watch the big
air cannons compete!
Past winners have
exceeded
3,000 feet!
Mi h ,el's
IBARBER St!0P
HOURS"
Tuesday-Friday
9 AM-5 PM
Saturdays 9 AM-3PM
207 Main Street, Lordsburg, NM
575-313-9300
14'x24' PORTABLE BUILDING
FOR SALE
Purchased new in 2007.
Building has handicap-accessible
restroom, 5'x6' closet, refngerated air
conditioning unit. Was used as a hair
salon, but is a versatile building that
has many uses. Sale includes handi-
cap ramp and porch. Must be moved.
Moving arrangements can be made
for small fee. For more information,
call 575-313-3883.
ltc
................... ~ ........................
FOR SALE OR LEASE: 4 Bedroom
House on 2.8 acres. Refrigerated air.
2 corrals, 2 poultry houses, pond, fruit
trees, pecan trees, sheds, 4 fencedin
enclosure~ around house for small
animals. Ideal location for children. Call
542-9663 or 575-590-0818.
ltp
LEGAL NOTICE
A regular meeting of the Southwest
New Mexico Council of Governments
wil be held Thursday, October 20,
2011,9:00 a.m. at the Silver City Town
Annex, 1203 Hudson Street, Confer-
ence Room (on l"t Floor), Silver City,
New Mexico.
A closed session may be called dur-
ing the Annual Meeting, pursuant to
NMSA 1978 10-15(H). If you are an
individual with a disability who needs
a reader, amplifier, qualified sign lan-
guage interpreter or any other form
of auxiliary aid or service to attend or
participate in the meeting, please con-
tact the Council of Governments of-
rice at 1203 North Hudson, Silver City,
New Mexico or call 388-1509 at least
one week prior to the meeting. An
agenda may be obtained at 1203
North Hudson (Town of Silver City
Annex. 2"~ floor) in Silver City or by
calling (575) 388-1509. All members
are urged to attend. The meeting is
open and the public is invited to at-
tend.
Jovita G.Gonzales, Chair
to lend at some point. That's why written business plan to under-
now is the time to start building a stand the direction the business
strong banking relationship. Find is going and its viability. A busi-
out how to be ready when funds ness-plan is just as valuable to
are available in this week's article the business owner, and the time
by Paul Goblet. investment ad- spent writing one is a good in-
viser to the New Mexico Small vestment in the business's future.
Business Investment Corpora- A written plan will also help
tion. communicate variances that
Tight credit markets of the might be present in prior year's
past few years have made it diffi- financial reports. Assistance with
cult for business owners to obtain writing a comprehensive busi-
loans to expand their business, ness plan is available at the 20
Getting a loan is still as hard as New Mexico Small Business De-
ever, even though most financial velopment Centers around the
institutions have plenty of capi- state.
tel to lend. With the interest rate It's not easy to get a loan
charged banks by the Federal these days. Having a business
Reserve Bank at almost zero. it's plan. managed expenses, and
surprising so little capital is mov- credit score awareness is the stax~-
ing around. Loans. as a percent- ing point for thoughtful dia-
age of deposits, are very low. logue and good relations with a
Credi! will loosen eventually lender who can make a loan hap-
because banks can't survive long- pen:
term without making loans. Stung Western New Mexico
by losses when loans defaulted.
banks are understandably more
conservative: but they need in-
terest revenue from loans to grow.
Recent financial activity
suggests money might be start-
ing to flow again. That's why now
is a good time to build a relation-
ship with one or more financial
institutions through dialogue.
Before dialogue starts, business
owners should fully understand
their financial position.
Most business owners have
a clear grasp of the sources and
amount of cash generated by their
business. While it's important to
be aware of all revenue sources.
it's far more important to under-
stand every .line item in the ex-
pense chart. The past few years
have forced many companies to
face reduced revenues, yet ex-
penses have continued to go up.
Salaries and benefits make
up a large portion of expenses in
a service busNess, while a retail
We love you with all our
hearts. You bring us so
much joy & happiness!
Love YotL hbbm!
Love, Mommy & Daddy
& allyour Family
business has inventory and a
much higher cost of goods sold.
Owners focused on these may
overlook smaller expenses that
make a business less profitable-..
A little time spent understanding
each expense will go a long way
toward making necessary reduc-
tions.
A banker will want to see fi-
University's SBDC offers assis-
tance to entrepreneurs who are
starting a business or wanting to
expand an existing business.
These services are available at
no cost. Call 538-6320 for an
appointment with a business ad-
visor, or email
sbdc@wnmu.edu. The SBDC
office is located on the second
floor of the Besse-Forward Glo-
bal Resource Center on 12th
Street. More information may
be found at www.nmsbdc.com/
silvercity/index.html.
Call or email the SBDC of-
fice for information about the
following events:
October 7 - Inaugura-
tion Ceremony for WNMU
President Joseph Shepard
October 8 - Home-
coming parade and football
game
An archive of SBDC Busi-
ness Reports can be found at
h t t p : / /
www. grantcountybeat.com/
Home.html
Nowlg Rono t 8
2 BR, 1 BA, Utilities Included.
*with Lease
Call 505-227-1167
ESTANCIA PUMPKINFEST
SATURDAY. OCTOBER 15. 2011
Proceeds will benefit the Estancia Rotary Club's
Scholarship Program
Parking aad Admission only
$10 per carload (6 or less) or $5 per person
I Parade through Estancia at 10:30 ann I
| Practice lmmchmg sta~s at noon |
I ~ Competition be_gins at 1 pm J
Also: carnival rides, rood and area booth~
prince and priaeess ero wMng, and m uch morn !
For more information call ~ ~05) •
384-27.77_ 238-3821. or 384-4246.
New Inventory
Huge Selection/
nancial reports from the past two
Button
~fw
Ear
to three years so .changes in the 1_27) • t e//y • yenrow " longue
business's financial position can
• •
be ascertained. Any changes, Silver Rings • Dangles Logos • 14K
07c whether good or bad. will have
............................................ to be
Now Serving 2 Locations
inside the Cottage
2i4 E. Motel Drive * Lordsburg
explained. Negative
changes don't necessarily mean
the loan will be denied, but the
bank will want to understand
what happened, the corrective
measures being taken, and the ef-
fect on the business's future.
Virtually every financial in-
stitution uses credit scores to
evaluate the credit history of busi-
- nesses and individuals. A person's
credit score can be the most criti-
cal reflection of his or her reputa-
tion. Loan defaults destroy it, and
high debt loads lower it. A large
number of credit cards can indi-
cate high debt. and late payments
can signal inability to pay. Even
Regular Meeting
Public notice is hereby given that the
regular meeting of the City Council
and the Housing Commission of the
City of Lordsburg, New Mexico wil
be held on Thursday~ October 13,
2011 at 5:30 p.m. A complete agenda
will be available 24 hours prior to the
meeting.
If you need an accommodation of a
disability to enable you to fully partici-
pate, please contact City Hall 48 hours
before the meeting at 575-542-3421.
/s/Frank M. Rodriguez
Mayor
O7/14c
REAL WEST CINEMA
11585 HWY: 18(1 EAST ' 5384659 ' www,h011ywo0d.com 7-13
575.542.8880
418 Silver Heights Bh, d, Silver City, NM &
813 S. Main Street, Lordsburg
Open Monday-Friday
HOT & FRESH, MADE DAILY!
Coming Soon:-Footloose & Puss In Boots
7:O0 AM to 3:OO PM
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