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Hidalgo County Herald
Lordsburg, New Mexico
October 28, 2011     Hidalgo County Herald
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October 28, 2011

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;,2 - HIDALGO COUNTY HERALD FRIDAY, OCTOBER 28, 2011 3 f SBDC Get insights froma debt .,;( By LESLIE HOFFMAN, V.P. of Lending and Client Service, ACCION New Mexico "Arizona " Colorado The last few years have been a bumpy ride for many small busi- nesses. Sales may have slumped. Costs could have gone up. Small business owners have weathered this economic storm with a cou- rageous combination of resil- ience, creativity, clarity and pas- sion. Those who have been able to keep their doors open under- stand that important fundamen- tals about how to manage money in a small business are as true to- day as they've ever been. Financial institutions do not want saddle people with loan payments they cannot afford. Community-based lending orga- nizations, such as ACCION New Mexico •Arizona •Colorado, are in the business of helping people understand their fihancial health and providing access to healthy business credit. That credit is a mance must support its cost. Lenders do not want credit to be- come overwhelming and prevent a small business from reaching its goals. One tool lenders use to de- termine the financial health of a business is a mathematical ex- pression called the debt-to-in- come ratio. Calculated by di- viding total monthly debt pay- ments by total monthly net in- come, the ratio is expressed as a percentage and provides a quick indication of the ability of a small business to pay its current debts. A number that exceeds 20 percent could be a sign that the business may have trouble paying off its current obligations and should not take on additional debt. When an owner finds her- self in this position, it's time to refocus and get a handle on both business and personal fi- nancial health. Make a list of business debt tool, and like all tools, perfor- obligations, including the cur- eand the typical pay; He is survived by his wife. UPCOMING EVENTS L. - JoaquinT. Joaquin T. Marquez Joaquin T. Marquez, 56. life- long resident of Lordsburg passed away Wednesday October 19, 2011 at Sierra Medical Center in E1 Paso. Visitation was Monday evening, October 24, 2011from 5 to 6 at St. [ Joseph's Catholic I Church where a prayer vigil began at 6 o'clock with Alice Ramirez leading the service. Mass of the Resurrection was Tuesday morning at 10 at St. Joseph's Catholic Church with Fr. John Weber, Pastor, officiating. Conclud- ing services and interment fol- lowed at Shakespeare Cemetery. Joaquin, or "Big Jake" as many knew him. was born June 12, 1955 in Lordsburg to Joaquin and Aurora Tavizon Marquez. He was a 1974 graduate of Lordsburg High School where he was very active in Maverick athletics and was an influential member of both the 1973 and 1974 Maver- ick State Basketball Champion- ship teamL Jake was a former member of the New Mexico Na- tional Guard, a lifelong member of St. Joseph's Catholic Church, and was a haul truck driver in the mining industry. Jake enjoyed hunting, being with his family and friends and especially loved being with his grandchildren. Jacinta Alvarado Marquez of Lordsburg, his mom, Aurora Marquez of Lordsburg; daughter. Anna Marquez of Lordsburg; sons, Ruben Marquez of Lordsburg, Jacob Marquez and his wife Maggie of Greeley, CO; brother, Ray Anaya and his wife Mary of Los Lunas, NM; and 4 grand- children, Manuel Gallegos, Alex Marquez, Lorena Marquez, and An- gela Marquez. Joaquin was pre- ceded in death by his father, a brother. Steve T. Marquez, "and by a grand- daughter, Celestina Marquez Marquez. Pallbearers were Mike and Pat Garcia. Oscar Barrio, Ronnie Gandara, Fernando Chavez. Nieves "Juna" Martinez. Femando Marquez and Jaime Gonzalez. Honorary bear- ers were Manuel Alvarado, Manuel Gallegos, Alex, Ruben and Jacob Marquez, Ray Anaya, Ray Anaya Jr., Fred Alvarado, HectOr Ibarra and all of his nieces and nephews. Entrusted to the care of Baca's Funeral Chapels. Exclu- sive provider for "Veterans & Family Memorial Care". To sign the online guest book or to send a card, please visit our website at 811 S. Gold Ave., Deming, NM 88030. Phone: 575.546.9671 T 12-13 - trticipants must briogl Refresh I Hidalgo County 00HER.M D New Mexico Press Association Member -lidalgo County Herald (USPS _iUI_ =11 = 020697) is published weekly by Hidalgo County Herald in the City of Lordsburg, County of Hidalgo, 212 E. Motel Drive, Suite B, Lordsburg, New Mexico 88045-1948, 52 issues a year. Subscription rates vary. Subscription rate is $30 per year. Requests for corrections and complaints concerning news and editorial content of the Hidalgo County Herald should be di- rected to the editor• For further information on the Hidalgo County Herald's approved grievance policies, readers may contact the pub- lisher. Any unsolicited manuscripts become the property of the Hidalgo County Herald and will riot be returned. All information con- tained herein is copyrighted 2011 by the Hidalgo County Herald. All photos/stories, unless stated, are written by our staff. POSTMAS- TER: Send address changes to Hidalgo County Herald, 212 E. Mo- tel Drive, Suite B, Lordsburg, NM 88045-1948• Periodicals Postage Paid at Lordsburg, New Mexico. PUBLIsHER/EDITOR: Brenda Hood ADVERTISING MANAGER: Glenda Greene PHONE: 575-542-8705 FAX: 575-5428704 E-MAIL :hedule ment amount. At the top, record the most expensive debts or those with the highest annual percentage rates. Note whether the interest rate is fixed or vari- able; if variable, note the maxi- mum amount of fluctuation al- lowed in the near future. If a loan is a revolving line of credit - a loan whose account balance may go up or down over a given time period with a varying pay- ment amount - make note of the current balance and correspond- ing payment. An owner should make a similar list reflecting personal debt. The resulting debt schedule is a guide to payment priorities when the small business owner is. able to commit a little extra money to paying off debt. The faster debt is paid off. the less • money the business spends on interest and the more that is available for operations and growth. If current debt obligations are overwhelming and payments are at risk of being missed, be- gin by calling the lender. A change in terms, such as a tem- porary -payment reduction, might be possible. More serious problems should be discussed with a repu- table credit counseling agency. They provide advice, budgeting assistance and may be able to negotiate with lenders for modi- fied payment terms. The recession created an abundance of disreputable counseling agencies, and it's vital to find one that is honest, law-abiding and trustworthy. One resource is Money Manage- ment International. Visit for more information. To learn more about ACCION New Mexico • Arizona • Colorado, visit• Western New Mexico 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 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 silvercity/index.html. Senior Citizens Center Lunch Menu Monday, October 31 Frito Pie Cheese/Onions Lettuce/Tomatoes Mixed Vegetables Lemon Crisp Cookie Tuesday, November 1 Chicken N Rice Broccoli Peas & Carrots Roll/Margarine Oatmeal Cookie Wednesday, November 2 Spaghetti Tossed Salad/Dressing Green Beans Garlic Bread Plums Thursday, November 3 Chicken Fajitas Flour Tortilla Chile Beans/Cheese Gelatin/Oranges Friday, November • 4 Meatloaf/Gravy Scalloped Potatoes Mixed Vegetables WW Roll/Margarine Strawberry Shortcake Pictured above are Marisela Chavez, Erika Batista, candidate for United States Senate Hector Balderas, Marisol Chavez and Tisha Bejarano LHS students meet senatorial candidate Four Lordsburg High School Government students attended a "Meet the Candidate" event for Democratic candidate for US Senate, Hector Balderas, re- cently in Silver City at Western New Mexico University. LHS Government students are required to attend a govern- ment-related meeting or event Continued from Page 1 Literacy Program The Hidalgo County Lit- eracy Program offers services to improve individual skills in En- glish, Reading, Language and Math, as well as Pre-GED and GED preparation. Quit putting it off, it's not too late! Contact Di- ' rector Sherri Arredondo at 575- 313-7738 or email Line Dancing The Lordsburg Active & Alive intermediate/advanced Crooked Halos line dancing class is held on Mondays and Wednes- days at RV Traylor Elementary school from 6:15-7:30 p.m. The beginning morning line dancing exercise class is held at the Se- nior Center from 8:30 to 9:30 a.m. on Wednesdays. The sessions are free and girls and guys are invited to join in. For information on the Cotton City and Animas classes contact Active & Alive at HMS.Event listings Medicare D Enrollment Rosa Torres wkh Aging & Long-Term Services, will be in Lordsburg doing Medicare D Enrollment on Tuesday, October 18, 2011 from 10 a.m. to 3 p.m. a t the HMS Conference Room, 530 DeMoss Street. Please bring your ID, Medicare cards, Medicare D cards, other Insurance Cards, and all medications with you. No ap- pointment necessary. Sign-in Sheet will be available to all ar- rivals to best serve everyone. For more information, please call Gloria Vargas at the HMS Family Support Office at 575-542-3047 or 575-542-8384 ext: 408. Diabetes Support Group There will be no Diabetes Support Group for November and December, since everyone will be busy for the holidays. Happy Holidays to our Support Group & their families and see you next year! For more information, please call Gloria Vargas at 575- 5'42-3047 or 575-542-8384 Ext: 407. AA/NA Meetings Alcoholics Anonymous (AA) meetings are held on Monday at 3 p.m. at the Kokopelli Office and on Saturday at 7 p.m. at the First Methodis't Church. Narcotics Deming Silver City area (575) 546-0070 (575) 537-0777 Local Calls (575) 542-3330 Reasonably Priced Funeral And Cremation Services every nine weeks in order to bet- ter understand the inner work- ings of the system. Many of the students have chosen to attend local meetings, including school board, city coucil and county commission meetings. While at the "Meet the Can- didate" event, the students' were also able to meet with State Representative Rudy Martinez and State Senator Howie Mo- rales. The four students who at- tended are eligible to vote in the 2012 General Election. They felt meeting candidate Balderas would help them to become more informed voters. Excellence in service and care for your family shouhl ahvays be affordable... It can and ahvays will be with us. Anonymous (NA) meetings are held Mondays at 5 p.m., Wednes- days at 3 p.m. and Thursdays at 11 a.m. at Kokopelli and on Sat- urdays at 5:30 p.m. at the First Methodist Church. For more in- formation contact Kokopelli at 575-542-3304. Water Aerobics Active and Alive Different Strokes Water Aerobics will be held at the Comfort Inn on Tues- days from 10011 a.m. and 11 am to noon. For more information call Bridget Payne 575-542- 8384 ext. 442, leave message. Walking & Activity Club The Active i'nd Alive Walk- ing & Activity Club, Sweet Team, meets from 1-3 PM at the Sheriff's Department on Mondays and from 12-2 at the Special Events Center on Wednesdays. For more information call 575-534-0248 ext. 227. Suicide prevention Suicide Prevention meetings are held the first Monday of each month at the Hidalgo Complex in Lordsburg at 7:00 p.m. The publi c is invited and encouraged to attend. Step Aerobics The Active and Alive Ho Steppers Aerobics class is held at 6 PM at Central Elementary School on Monday and Wednes- days. For more information call 575-534-0248 ext. 227. Listing your event Have your upcoming event listed in the Hidalgo County Her- ald by calling 575.542.8705 or emailing it to hcherald ppy Birthda, Largest Inventory of Quality Used Vehicles in the Area! Check out these great used 2009 Jeep Wrangler 2008 GMC Acadia 2003 Ford Ranger 2007 Chevy Trailblazer 2008 Ford F-150 2009 Ford F-150 Gold 2002 FordF-350 2008 Ford F-150 Loaded 2010 Ford Ranger 2004 Ford Explorer 2009 Ford Explorer Sport Trac 2006 FordF-150 2007 Ford Escape 2006 Ford F-250 2002 Ford F-150 2010 Chev. Cobalt 2009 Honda Accord 2010 Kia Forte 2010 Ford Mustang 2002 Suzuki Vitara 2007 Chev. Cobalt 2008 Hyundai Sonata 2003 Voikswag0n Jetta 2010 Ford Fusion-Silver 2005 Nissan Altima O 412 E. Motel Drive, terdsbur9, NM s | ,