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Wednesday, Feb 08th

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Letter to the Editor: Predatory lending finally ending in New Mexico

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On Jan. 1,  we marked the end of four decades of predatory lending in New Mexico, thanks to a new law that reduces the maximum annual interest rate on small loans from 175%, one of the highest rates allowed anywhere in the nation, to 36%.

As Think New Mexico explained in our 2020 policy report making the case for this...

If you squint, it almost makes sense

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I didn’t wear glasses until I was 19. As an up-and-coming visionary word nerd, I had never thought I needed corrective lenses. Of course, I always fancied monocles, although I didn’t know how to keep one in place.

As it turned out, I was near-sighted. I learned this by attending a large lecture hall-format class in college. I found myself squinting to see the professor’s handwritten notes scrawled on the chalkboard. I began to get headaches from the eyestrain.

Soon enough, I went to an optometrist and got my first prescription glasses. Now I look 17% smarter!

You knew a grammar tie-in was coming, and here it is: the headache caused by a squinting modifier. Yes, squinting (or...

Letter to the Editor: Top five or six elephants in the room

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Dear Gallup Sun,

Your informative Top Five stories of 2022 made me ponder on the “Top Five or Six Elephants in the Room” – those enormous and difficult issues which are obvious yet ignored due to the discomfort or political embarrassment of those in power.

1. Duplication of services Your “RMCH still facing problems” seems to have been an annual story for some 50 years, before the Rehoboth-McKinley General merge when we had three hospitals. Many of us wonder why there are multiple hospitals in a region which should require only one.

We are perplexed that there is a need to segregate non-Indians from Indians. Whether you have a Medicare, Medicaid, VA, ACA, Indian Health ID, or...

Will ChatGPT replace human writers?

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Welcome to the year of AI content creation. From writing to artwork created by artificial intelligence software, the internet is embracing this “make the computer do it for me” approach.

Soon after OpenAI launched ChatGPT at the end of November 2022, the company was valued at a cool $29 billion. But my question is: will AI chatbots replace human writers? Not anytime soon.

As a content manager for a robotics startup, my day job involves writing relevant and interesting articles, case studies and thought leadership on my industry. It takes time to do this well, but quantity of content is simultaneously as important as the quality of the work.

For website articles, search engine...

You’ve probably never heard of one of the best financial products available

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As more and more seniors look for ways to lower their taxes in retirement, QLACs are stepping into the spotlight.

Many seniors in the early phases of their retirement don’t need to tap into their traditional retirement accounts (IRAs/401ks). Unfortunately, they are forced to do so because of IRS Requirement Minimum Distributions rules. Note: The RMD age recently changed from 70.5 to 72.

When you reach your RMD age, you must take money out of your qualified plan each year. Be sure to clarify with your CPA or tax planner to which group you belong.

If you are in a similar situation and don’t need to take distributions, you may want to consider setting up a Qualified Longevity...

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