Bio of Instructor

Mrs. Karen Harlan

harlan_karen@hotmail.com

Fax  806-546-0079

Home 806-546-0409


     M Casa Enterprises, which I have operated from our home for the past 20 years, has a diversification of several things that we accomplish.  One of those being the writing and getting approval for this curriculum at the state and national level.  I hold a Bachelor of Science in Occupational Education degree from the Lubbock campus of Wayland Baptist University.  This was obtained while maintaining a full-time position as an agriculture loan secretary at our local banking establishment.  From all the information I have gained from both sides of the desk (being a producers wife), I feel that the curriculum is both helpful, easy to understand, and very beneficial.

     The guaranty loan packaging business that we do through M Casa is very sporadic.  There are good years of farming and ranching , and there are not so good years in the industry, and then there are BAD years. Generally following a bad year is where the loan paperwork phase of M Casa gets really busy.   Our moisture on the South Plains for 2010 has been absolutely unbelievable. This is a good setting for excellent crops for our area this year.

     I truly feel this internet class to be an answer to many problems because it will enable the borrower to get the requirement accomplished with

                         1) less out of pocket expense            

                         2) less time away from the operation

                         3) convenience of doing the work when convenient for the main crop that is raised in ANY given area

     Diversification is one of the main factors I feel we are looking toward.  Change for change sake is not good, but change to positively affect profitability is a must.  And we must be profitable in order to survive the global position our agricultural world.

    We look forward to working with each of you.  Please know it is a big boat we producers are in and we need to all stick together.  If you have any questions, please give me a call.  I may not know the answer, but hopefully I will be able to put you in touch with someone who does.  Should there be problem areas in the curriculum that you are not clear on, give me a call.  I'll be happy to clear those up for you.

     Thank you for taking our Financial Management class.  Good luck in all you do!!

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