Door to Door Sales Representative TDS TelecomDoor to Door Sales RepresentativeAlamogordo, NMTDS Telecom provides high-speed internet, TV entertainment, and phone services to a diverse range of communities, including small to mid-sized urban, suburban, and rural areas across the U.S. With over 50 years of experience, TDS is committed to building and expanding fiber optic networks that bring cutting-edge connectivity to neighborhoods nationwide. Responsibilities: Engage with potential customers : Reach out to both new and existing prospects through door-to-door visits, networking, and referrals to inform them about TDS's voice, data, and television services within your assigned territory.
Senior Door to Door Sales Representative TDS TelecomSenior Door to Door Sales RepresentativeAlamogordo, NM$62,200–$101,000TDS Telecom provides high-speed internet, TV entertainment, and phone services to a diverse range of communities, including small to mid-sized urban, suburban, and rural areas across the U.S. With over 50 years of experience, TDS is committed to building and expanding fiber optic networks that bring cutting-edge connectivity to neighborhoods nationwide. With your proven track record in door-to-door sales, you’ll hit the ground running, introducing homeowners to cutting-edge fiber internet, TV, and phone services that transform how they live, work, and play.
Remote Sales Representative Reineke AgencyRemote Sales RepresentativeAlamogordo, NMRemoteThis is a 1099 independent contractor opportunity that gives you the freedom to build your own business on your schedule, backed by a proven system, hands-on mentorship, and real growth potential. We are currently seeking a Remote Sales Representative who is coachable, motivated, and passionate about helping people make confident financial decisions.
NewGeneral Manager in Training - Retail (Alamogordo, NM, US, 88310) Love's Travel Stops & Country Stores IncGeneral Manager in Training - Retail (Alamogordo, NM, US, 88310)Alamogordo, NMLove's continues its commitment to offer products and services that provide value for professional drivers, fleets, four-wheel customers, RVers, alternative fuel and wholesale fuel customers. Innovation and perseverance continue to lead the way for the family-owned and -operated business headquartered in Oklahoma City with more than 40,000 team members in North America and Europe.
S3030 Red Hat Grille Manager Inn of the Mountain GodsS3030 Red Hat Grille ManagerMescalero, New MexicoWhile performing the duties of this position, the team member is frequently required to stand, walk, use hands, to finger, handle or feel, reach with hands and arms, stoop, kneel, crouch, or crawl, talk or hear. The Red Hat Grille Manager is responsible for the overall operation, leadership, and success of the Red Hat Grille at Casino Apache Travel Center.
S3030 Banquets Manager Inn of the Mountain GodsS3030 Banquets ManagerMescalero, New MexicoMaintain complete knowledge of: Manuel system procedures; Daily house count, arrivals/departures, VIP's; Scheduled in-house group activities, locations and time; Correct maintenance and use of equipment; All department policies/services procedures. Ensure that unused food is returned to the kitchen, that designated condiments are broken down and properly stored (butters, cream, dressing, etc.) and that all Banquet supplies are returned to designated storage areas.
Part Sales Manager - Full Time AutoZone IncPart Sales Manager - Full TimeRuidoso, NMAs permitted by state or local law, AutoZone may consider certain offenses to be relevant to positions responsible for conducting or overseeing financial transactions on behalf of AutoZone, driving company vehicles and/or supervision of minors. Parts Sales & Inventory Management - Lead efforts to exceed sales targets, optimize inventory levels, and ensure timely returns processing and merchandising.
NewPart Sales Manager - Part Time AutoZone IncPart Sales Manager - Part Timeruidoso, NMAs permitted by state or local law, AutoZone may consider certain offenses to be relevant to positions responsible for conducting or overseeing financial transactions on behalf of AutoZone, driving company vehicles and/or supervision of minors. Parts Sales & Inventory Management - Lead efforts to exceed sales targets, optimize inventory levels, and ensure timely returns processing and merchandising.
S4110 CASINO F&B ASST. MANAGER Inn of the Mountain GodsS4110 CASINO F&B ASST. MANAGERMescalero, New MexicoEnsure that all shift opening and/or closing side work has been assigned and completed by assigned team members prior to opening and at the close of business; Performs opening and closing bank procedures during a cashier, rotation; Conducts necessary job training of team members at the direction of Food & Beverage Manager; Schedule, conducts and I or participates pre- staff meetings or Departmental Meetings. Essential Duties and Responsibilities include the following and are subject to change at management’s discretion: Supervises restaurant team members which include cashier, host, server, and busser; Supervisor / Coordinates with host and to ensure prompt seating of guest, equal rotation of seating of guest.
Retail Assistant Manager - Part-Time MauricesRetail Assistant Manager - Part-TimeAlamogordo, New MexicoThis challenging and rewarding role provides the opportunity to assist in the supervision of a store team focused on creating an unforgettable shopping experience that leaves our customers looking and feeling their best. While this posting for a Retail Assistant Manager - Part-Time at our Store 1331-Alamogordo ShpCtr-maurices-Alamogordo, NM 88310 remains open year-round, actual hiring needs may vary.
Retail Assistant Manager - Full-Time MauricesRetail Assistant Manager - Full-TimeAlamogordo, New MexicoSick time is awarded each January (56 hours, prorated based on hire date unless otherwise required by applicable law), holiday pay that includes New Years Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, Christmas Day, and two weeks of New Parent Leave for birth, adoption, or foster placement. Additional benefits include Dental, and Vision coverage, Flexible Spending Accounts (Healthcare and Dependent Care), Accident, Critical Illness, and Hospital Indemnity coverage, Voluntary Life, Spouse, and Child Life Insurance, and Long-Term Disability coverage.
S3000 Hotel Housekeeping Manager Img Inn of the Mountain GodsS3000 Hotel Housekeeping Manager ImgMescalero, New MexicoWhile performing the duties of this position, the team member is frequently required to stand, walk, use hands, to finger, handle or feel, reach with hands and arms, stoop, kneel, crouch, or crawl, talk or hear. High school diploma or general education degree (GED); or one to two years job-related experience and/or training; or equivalent combination of education and experience may be Mescalero Apache Tribal preference; bicultural experience preferred.
Internal District Manager Maverik IncInternal District ManagerAlamogordo, NMWhy this role matters: This role directly impacts store performance, profitability, and team engagement by developing Store Directors and ensuring exceptional operations across the district. Position Summary & Day-to-Day Responsibilities: The District Manager leads a group of Store Directors, focusing on operational excellence, people development, and financial performance.
S3000 Hotel Improvement Manager Inn of the Mountain GodsS3000 Hotel Improvement ManagerMescalero, New MexicoWhile performing the duties of this position, the team member is frequently required to stand, walk, use hands, to finger, handle or feel, reach with hands and arms, stoop, kneel, crouch, or crawl, talk or hear. The Hotel Improvement Manager is responsible for overseeing and implementing initiatives that enhance the guest experience and improve the overall functionality, aesthetics, and performance of the hotel property.
Sales Manager The Aaron's Co IncSales ManagerAlamogordo, NM$14.25–$15 / hourAn employee's pay position within the salary range will be based on several factors including, but limited to, relevant education, qualifications, certifications, experience, skills, seniority, geographic location, performance, shift, travel requirements, sales or revenue-based metrics, any collective bargaining agreements, and business or organizational needs. As an expression of our appreciation, Aaron's is proud to offer outstanding career training, competitive performance incentives, excellent advancement opportunities, and a distinctive benefits package which includes: Paid time off, including vacation days, sick days, and holidays.
S3030 Stewarding Assistant Manager Inn of the Mountain GodsS3030 Stewarding Assistant ManagerMescalero, New MexicoWhile performing the duties of this position, the team member is frequently required to stand, walk, use hands, to finger, handle or feel, reach with hands and arms, stoop, kneel, crouch, or crawl, talk or hear. Essential Duties and Responsibilities include the following and are subject to change at management’s discretion: Works with team members to organize and delegate daily job activity, problem solutions to any changes.
STORE MANAGER CANDIDATE IN RUIDOSO, NM Dollar General CorpSTORE MANAGER CANDIDATE IN RUIDOSO, NMRUIDOSO, NMAssist with store merchandising by facilitating and/or participating in staging, stocking and storage of merchandise; ensuring that merchandise is presented according to established practices and store manager direction; and properly utilizing merchandise fixtures, signing and pricing of merchandise. GENERAL SUMMARY: The Store Manager Candidate supports the Store Manager in the effective implementation of all store processes including employee supervision, staffing, inventory management, stocking and receiving, paperwork, and store needs.
Assistant Manager Blakes LotaburgerAssistant ManagerAlamogordo, New MexicoASSISTANT MANAGER FULL-TIME (35+ weekly hours), NON-EXEMPT Position Summary : The Assistant Manager’s (AM) role is to assist the General Manager in the oversight of all operations of the restaurant including, but not limited to, ensuring customer satisfaction while maintaining profitability through diligent monitoring and controlling of food/beverage costs and labor costs. - Ensure that the store safe is always secure unless in immediate use and that cash deposits are delivered to the bank according to Blake’s Lotaburger cash handling policies per Book 1. - Document all deposits per Book 1 cash handling policies and assuring that other designated managers are doing the same.
Shift Manager Blakes LotaburgerShift ManagerAlamogordo, New Mexico$14.25–$15.50 / hourSHIFT MANAGER FULL-TIME (Up to 35 weekly hours), NON-EXEMPT Position Summary : The Shift Manager’s (SM) role is to assist the management team in overseeing of the operation of the restaurant when scheduled as the Manager on Duty (MOD). Expertly seasoned & seared Premium Angus Beef patties, tangy pickle slices, a perfect layer of mustard & fresh lettuce, onion & tomato all between two lightly toasted buns?
Retail Assistant Manager – Full-Time mauricesRetail Assistant Manager – Full-TimeAlamogordo, NMThis Assistant Store Manager assists in the supervision of a store team focused on creating an unforgettable shopping experience that leaves our customers looking and feeling their best. As a hometown specialty retailer, maurices is deeply committed to bringing affordable, versatile, and flattering fashion to small towns across North America.
Sales Manager Aaron's IncSales ManagerAlamogordo, NM$14.25–$15 / hour_*_ _Note that the pay range provided above_ _is the lowest to highest_ _rate_ _we in good faith believe we would pay for this role at the time of this posting_ _._ _We may_ _ultimately pay_ _more or less than the posted range, and the range may be_ _modified_ _in the future_ _._ _An employee’s pay position within the salary range will be based on several factors including, but limited to, relevant education, qualifications, certifications, experience, skills, seniority, geographic location, performance, shift, travel requirements, sales or revenue-based metrics, any collective bargaining agreements, and business or organizational needs._ _Note: No amount of pay is considered to be wages or compensation until such amount is earned, vested, and determinable._ _The amount and availability of any bonus, commission, or any other form of compensation that are allocable to a particular employee_ _remains_ _in the Company's sole discretion unless and until paid and may be_ _modified_ _at the Company’s sole discretion, consistent with the law._.
STORE MANAGER CANDIDATE Dollar GeneralSTORE MANAGER CANDIDATERUIDOSO, New MexicoFull timeAssist with store merchandising by facilitating and/or participating in staging, stocking and storage of merchandise; ensuring that merchandise is presented according to established practices and store manager direction; and properly utilizing merchandise fixtures, signing and pricing of merchandise. Every day.® by offering products that are frequently used and replenished, such as food, snacks, health and beauty aids, cleaning supplies, basic apparel, housewares and seasonal items at everyday low prices in convenient neighborhood locations.
NAVWAR Test Manager Qualis CorpNAVWAR Test ManagerHolloman AFB, NMResponsible for the timely development and delivery of test documentation and reports including Initial contacts sheets, statement of capabilities (SOC), program cost estimates, program schedules, test plans, test memos, test support summaries, test milestone documents, and briefings including test concept and design review, test readiness review, and test closeout briefings to 746TS leadership. Coordinate frequency clearance documentation with the Joint Navigation Warfare Center, USSTRATCOM, AF Spectrum Management Office, Joint Spectrum Management Office, FAA, and spectrum managers at various ranges and centers.
NewAIRCRAFT MAINTENANCE MANAGER United States Air ForceAIRCRAFT MAINTENANCE MANAGERNM$108,173–$140,627 / yearAs a designated key position, the term "key" as it is used here relates to the ART program that defines the position as critical to mobilization capability (i.e., formulates, determines or influences policies of the unit to which assigned), and has no relationship to the term "key" defined in AFI 36-507. OPTIONAL DOCUMENTS: Performance Appraisals for Current Federal Civilian Employees - Most recent performance appraisals (dated within last 3 years) showing the official rating of record, signed by a supervisor, or statement why the performance appraisal is unavailable.
Assistant Store Manager (Full-time) - Alamogordo, NM HibbettAssistant Store Manager (Full-time) - Alamogordo, NMAlamogordo, New MexicoThe Assistant Manager is responsible for assisting and consulting the Store Manager and regarding overall operations and administrative duties, including determining the methods and approaches necessary to accomplish the store’s goals. Produce and give extraordinary customer service highlighted in the customer service manual, including helping customers as they enter the store, and helping multiple customers during peak periods.
NewAssistant Manager Cattle Baron RestaurantsAssistant ManagerRuidoso, NM$50,000What began as a single steakhouse in Portales, New Mexico—founded by U.S. Air Force veteran Jeff Wilson—has grown into a beloved regional restaurant group with locations across New Mexico and Texas. Cattle Baron restaurants can be found in Hobbs, Las Cruces, Portales, Roswell and Ruidoso in New Mexico, in Texas we have locations in Midland and in El Paso.
Store Manager in Training YESWAYStore Manager in TrainingAlamogordo, New MexicoESSENTIAL FUNCTIONS: (other duties may be assigned) Assist the Store Manager by assisting with management responsibilities including training and development of employees and store responsibilities; Scheduling employees for shifts; Resolving store issues including customer concerns; Ensure compliance with all required regulations and requirements; Assist with audits and proper placement and stocking of merchandise; Ensure hospitality for all store guests by overseeing timely guest transactions; and. Monitor profits through end of day procedures, shrink indicators, lottery, stock audits, vendors, car wash operations and retail waste.
Newstore manager - Ruidoso Starbucks Corpstore manager - Ruidosoruidoso, NMPartners have access to short-term and long-term disability, paid parental leave, family expansion reimbursement, paid vacation from date of hire*, sick time (accrued at 1 hour for every 25 hours worked), eight paid holidays, and two personal days per year. Additionally, Starbucks offers 100% upfront tuition coverage for a first-time bachelor's degree through Arizona State University's online program via the Starbucks College Achievement Plan, student loan management resources, and access to other educational opportunities.
General Manager IHOPGeneral ManagerAlamogordo, NM$39,000–$60,000Ability to speak and read English and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals; ability to write routine reports and correspondence; and ability to speak effectively before groups of employees and guests. Carrying our supervisory duties such as recruitment and hiring, training, directing workflow, appraising performance, rewarding and disciplining employees, and resolving complaints and problems.
Assistant Manager IHOPAssistant ManagerAlamogordo, NMAbility to speak and read English and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals; ability to write routine reports and correspondence; and ability to speak effectively before groups of employees and guests. Carrying our supervisory duties such as recruitment and hiring, training, directing workflow, appraising performance, rewarding and disciplining employees, and resolving complaints and problems.
Closing Manager - pm/ closing shift Dunkin' Brands Group IncClosing Manager - pm/ closing shiftAlamogordo, NMCreate a positive working environment by fostering teamwork among Team Members through effective training, communication and relationship building. The closing manager will be responsible for directing the pm operations of the restaurant overseeing a team of employees delivering exceptional guest services.
Store Manager Trainee Dollar Tree IncStore Manager Traineeruidoso, NMYour natural leadership skills and ability to inspire teams to deliver exceptional customer service make you the right person for our Store Manager in Training position. from floor to above shoulder height and meet demands of frequent walking, standing, stooping, kneeling, climbing, pushing, pulling, and repetitive lifting, with or without reasonable accommodation is required.
Assistant Site Manager Job - Alamogordo, NM Zips Car WashAssistant Site Manager Job - Alamogordo, NMAlamogordo, NMExplore your career path, gain valuable experience, and take control of your earning potential by joining an energetic and positive team dedicated to excellence and lifting each other up to be their best. You will collaborate closely with site leadership to train the team, drive and deliver exceptional customer service, and achieve business goals!
Full Time Assistant Store Manager (Store 2806) Gamestop Corp.Full Time Assistant Store Manager (Store 2806)Alamogordo, NMProvide best-in-class guest service: promptly greet guests; respond to guest questions/concerns quickly, effectively, and courteously; assist guests with meeting their video gaming needs; inform guests of special promotions; recommend additional items as appropriate; apply all selling behaviors during every transaction and thank every guest for shopping at GameStop; prioritize guests over tasks and demonstrate that commitment by circulating throughout the store. Using elements of GameStop's buy, sell, trade, and reservation business model, the Circle of Life, the Assistant Store Manager develops and promotes a sales culture by creating individualized and complete solutions for every guest and providing outstanding guest service experiences through professional conduct and shared passion for gaming.
Shift Manager Long John Silver'sShift ManagerAlamogordo, NM$14Guided by our vision to be the world’s favorite seafood restaurant, we empower our people to bring this to life every day through our shared PIRATE values: P eople First: We prioritize our people, both our crew members and our guests—by fostering a supportive environment where everyone is valued, respected, and empowered. 55 years ago we began our mission to bring great-tasting, sustainably-caught seafood to all the people who aren’t able to be near an ocean every day of their life.
Assistant Manager Long John Silver'sAssistant ManagerAlamogordo, NMGuided by our vision to be the world’s favorite seafood restaurant, we empower our people to bring this to life every day through our shared PIRATE values: P eople First: We prioritize our people, both our crew members and our guests—by fostering a supportive environment where everyone is valued, respected, and empowered. 55 years ago we began our mission to bring great-tasting, sustainably-caught seafood to all the people who aren’t able to be near an ocean every day of their life.
General Manager Long John Silver'sGeneral ManagerAlamogordo, NMGuided by our vision to be the world’s favorite seafood restaurant, we empower our people to bring this to life every day through our shared PIRATE values: P eople First: We prioritize our people, both our crew members and our guests—by fostering a supportive environment where everyone is valued, respected, and empowered. 55 years ago we began our mission to bring great-tasting, sustainably-caught seafood to all the people who aren’t able to be near an ocean every day of their life.
Pharmacy Manager (Pharmacist) Albertsons Companies IncPharmacy Manager (Pharmacist)ruidoso, NMLocally great and nationally strong, Albertsons Companies (NYSE: ACI) is a leading food and drug retailer in the U.S. We operate over 2,200 stores, 1,732 pharmacies, 405 fuel centers, 22 distribution facilities, and 19 manufacturing plants across 34 states and the District of Columbia. Main Responsibilities: Under the direction of the Division Pharmacy Manager, the Pharmacy Manager is responsible for the financial performance of the pharmacy and acts as pharmacist in charge.
STORE MANAGER Dollar GeneralSTORE MANAGERRUIDOSO, New MexicoFull timeEvery day.® by offering products that are frequently used and replenished, such as food, snacks, health and beauty aids, cleaning supplies, basic apparel, housewares and seasonal items at everyday low prices in convenient neighborhood locations. Frequent handling of merchandise and equipment such as hand-held scanner, pricing guns, box cutters, merchandise containers, two-wheel dollies, and U-boats (six-wheel carts).
Assistant Store Manager (Full-time) - Alamogordo, NM Hibbett IncAssistant Store Manager (Full-time) - Alamogordo, NMAlamogordo, NMThe Assistant Manager is responsible for assisting and consulting the Store Manager and regarding overall operations and administrative duties, including determining the methods and approaches necessary to accomplish the store's goals. Produce and give extraordinary customer service highlighted in the customer service manual, including helping customers as they enter the store, and helping multiple customers during peak periods.
Assistant General Manager Taco Bell CorpAssistant General ManagerAlamogordo, NM$40,000–$58,000 / yearTransparent pay Structure: The base pay range for Assistant General Manager at Taco Bell is competitive, ranging from $40k to 58k annually, depending on location, experience, and qualifications. In this dynamic role, you'll take charge of daily operations in the Restaurant General Manager's absence, making key decisions and driving the team toward excellence.
Pharmacy Customer Service Associate Walgreen CoPharmacy Customer Service AssociateAlamogordo, NM$16–$18 / hourPerforms duties as assigned by Pharmacy Manager, Staff Pharmacist and Store Manager including utilizing pharmacy systems to enter patient and drug information, ensuring information is entered correctly, filling prescriptions by retrieving, counting and pouring pharmaceutical drugs, verifying medicine is correct, and checking for possible interactions. Models and shares customer service best practices with all team members to deliver a distinctive and delightful customer experience, including interpersonal habits (e.g., greeting, eye contact, courtesy, etc.) and Walgreens service traits (e.g., offering help proactively, identifying needs, servicing until satisfied, etc.).
Shift Manager Taco Bell CorpShift ManagerAlamogordo, NMThe Day-to-Day: Ensure consistent customer satisfaction by executing the MIC (Manager in Charge) Success Routine and prioritizing customer needs. Assist with Profit & Loss management by following cash control and security procedures, maintaining inventory, and managing labor.
STORE MANAGER IN RUIDOSO NM Dollar General CorpSTORE MANAGER IN RUIDOSO NMRUIDOSO, NMby offering products that are frequently used and replenished, such as food, snacks, health and beauty aids, cleaning supplies, basic apparel, housewares and seasonal items at everyday low prices in convenient neighborhood locations. Frequent handling of merchandise and equipment such as hand-held scanner, pricing guns, box cutters, merchandise containers, two-wheel dollies, and U-boats (six-wheel carts).
Customer Service Associate - Temporary Walgreen CoCustomer Service Associate - TemporaryRuidoso, NM$15–$17.50 / hourModels and shares customer service best practices with all team members to deliver a distinctive and delightful customer experience, including interpersonal habits (e.g., greeting, eye contact, courtesy, etc.) and Walgreens service traits (e.g., offering help proactively, identifying needs, servicing until satisfied, etc.). Registers customer purchases on assigned cash register, collects cash and distributes change as requested; processes voids, returns, rain checks, refunds, and exchanges as needed.
Assistant Store Manager Yesway CareersAssistant Store ManagerRuidoso, New MexicoESSENTIAL FUNCTIONS: (other duties may be assigned) Assist the Store Manager with management responsibilities including training and development of employees and store responsibilities; Scheduling employees for shifts; Resolving store issues including customer concerns; Ensure compliance with all required regulations and requirements; Assist with audits and proper placement and stocking of merchandise; Ensure hospitality for all store guests by overseeing timely guest transactions; and. For all Oklahoma Applicants : All offers of employment are subject to the successful completion of a criminal background check, completion of an ABLE Commission approved training program, and the issuance of an employee’s license within fourteen (14) days of initial employment.
Store Manager in Training Yesway CareersStore Manager in TrainingRuidoso, New MexicoESSENTIAL FUNCTIONS: (other duties may be assigned) Assist the Store Manager with management responsibilities including training and development of employees and store responsibilities; Scheduling employees for shifts; Resolving store issues including customer concerns; Ensure compliance with all required regulations and requirements; Assist with audits and proper placement and stocking of merchandise; Ensure hospitality for all store guests by overseeing timely guest transactions; and. For all Oklahoma Applicants : All offers of employment are subject to the successful completion of a criminal background check, completion of an ABLE Commission approved training program, and the issuance of an employee’s license within fourteen (14) days of initial employment.
Financial Services Representative (Part Time) World FinanceFinancial Services Representative (Part Time)Alamogordo, New MexicoSuccess in this role requires the ability to manage a fast-paced workload, handle challenging conversations, and meet performance goals across sales, collections, tax services, and branch operations, with opportunities for performance-based earnings and advancement. The Financial Services Representative (FSR) is responsible for driving loan sales, managing past-due accounts, preparing tax returns, and working directly with customers to meet financial needs.
Financial Services Representative World FinanceFinancial Services RepresentativeRuidoso, NMSuccess in this role requires the ability to manage a fast-paced workload, handle challenging conversations, and meet performance goals across sales, collections, tax services, and branch operations, with opportunities for performance-based earnings and advancement. The Financial Services Representative (FSR) is responsible for driving loan sales, managing past-due accounts, preparing tax returns, and working directly with customers to meet financial needs.
Financial Services Representative (Part Time) World Acceptance CorporationFinancial Services Representative (Part Time)Alamogordo, NMSuccess in this role requires the ability to manage a fast-paced workload, handle challenging conversations, and meet performance goals across sales, collections, tax services, and branch operations, with opportunities for performance-based earnings and advancement. The Financial Services Representative (FSR) is responsible for driving loan sales, managing past-due accounts, preparing tax returns, and working directly with customers to meet financial needs.