Frazier Allen: Market pullbacks need perspective

Clarksville, TN – The first three trading weeks of the year have been marked by volatility in the domestic and global equity markets, garnering the attention of investors and the financial media.
There’s a lot going on with stocks stumbling, bond yields falling and oil prices declining. So, it may be helpful to separate the noise from the underlying fundamentals.
Despite slowdowns in China and Europe, domestic economic growth has held up fairly well, supported by job growth and stronger consumer spending power.
Altra Federal Credit Union hires Jessica Taylor as Real Estate Loan Originator
Clarksville, TN – Altra Federal Credit Union welcomes Jessica Taylor as new Real Estate Loan Originator.
Taylor brings eleven years of banking experience to Altra. Eight of those years focused on real estate and consumer lending. She was recently an Office Manager/Loan Officer for Heritage Bank in Cadiz, KY.
Clarksville Weekly Market Snapshot from Frazier Allen for the week of January 16th, 2016

Clarksville, TN – The important economic data reports were bunched up on Friday. December retail sales results were somewhat disappointing. Industrial production was weighed down by mild temperatures (lower output of utilities) and a further contraction in energy exploration.
Manufacturing output edged down modestly, mixed across sectors, but generally soft over the last several months. The New York Fed’s Empire State Manufacturing Index fell sharply in January.
Goble & Yow, Law Firm opens in Downtown Clarksville
Clarksville, TN – The “Goble & Yow Law Firm” has formed in downtown Clarksville, Tennessee, located at 215 Franklin Street.
Formerly Goble Law Firm, attorneys Andrea Rawlings Goble and Eric J. Yow have partnered together to provide legal services to an even more expansive and diverse clientele.
Altra Federal Credit Union to hold Small Business Connect Seminar on January 26th, 2016
Clarksville, TN – An educational seminar focusing on small business finance basics will be held on Tuesday, January 26th at 5:30pm to 7:00pm at Miss Lucille’s Café 2231-L Madison Street, Clarksville, TN 37043.
The Small Business Connect Seminar is a no-cost, no-obligation event hosted by Altra Federal Credit Union. The event is open to small business owners and Altra membership is not required.

Small Business Connect Seminar to be held at Miss Lucille’s Café by Altra Federal Credit Union on January 26th, 2016.
Frazier Allen lists 12 Resolutions for 2016

Start the New Year right by reviewing and revamping your financial plan.
Clarksville, TN – Instead of hauling out those familiar New Year’s resolutions about eating less and exercising more, how about focusing on something that’s also very good for you in the long run- and even sooner? We’re talking about your financial plan – your fiscal health, if you will.
The approach of 2016 is a great time to review your plan and make whatever revisions might be indicated. With that in mind, here are 12 suggested resolutions that, if followed, will go a long ways toward helping to ensure that your later years will be financially secure.
Brad Barrett Named F&M Bank Director
Clarksville, TN – Brad Barrett, former president of The Tennessee Bankers Association (TBA), has been named to the F&M Bank Board of Directors, according to Sammy Stuard, president and CEO.
“Brad brings a wealth of banking knowledge to F&M and his over 20 years of leadership at the helm of the TBA will contribute greatly as we seek new opportunities for growth across Middle Tennessee,” commented Stuard.
Following F&M’s recent sale to Nashville-area businessman Gaylon Lawrence Jr., Barrett joins the bank at an exciting time. Lawrence’s ownership of Middle Tennessee’s eighth largest bank will increase the bank’s capital and further position F&M for continued growth.
Altra Federal Credit Union Half-Court Shot for APSU Tuition on January 23rd, 2016
Clarksville, TN – Altra Federal Credit Union will offer one Austin Peay State University student the opportunity to win one year’s tuition up to $15,000 at half-time of the APSU men’s basketball game on Saturday, January 23rd at the Winfield Dunn Center.
APSU students may enter the contest January 1st through January 23rd at either of Altra’s two locations in Clarksville located at 1600 Madison Street or 2625 Wilma Rudolph Boulevard.
Clarksville Area Chamber of Commerce to hold Mayors’ Power Breakfast January 14th, 2016
Clarksville, TN – The Clarksville Area Chamber of Commerce will host the annual Mayors’ Power Breakfast at the Riverview Inn on January 14th at 7:30am.
During this popular event, both Montgomery County Mayor Jim Durrett and City of Clarksville Mayor Kim McMillan will share their accomplishments of the past year and their goals for 2016. [Read more]
Altra Federal Credit Union hosts Financial Aid Night on January 26th, 2016
Clarksville, TN – Altra Federal Credit Union will host a free Financial Aid Night for High School Juniors, Seniors and parents on Tuesday, January 26th at 6:00pm at the Clarksville-Montgomery County Public Library located at 350 Pageant Lane.
“Our Financial Aid seminars are offered to families to learn the basics of the FAFSA application, discuss possible grants and scholarships, and help answer questions that students or parents may have about the Financial Aid process,” says Danielle Anderson, Youth Coordinator for Altra Federal Credit Union.