THE SPOKESMAN • WEDNESDAY, MARCH 10, 2021 P5
Financial tips to alleviate stress during a crisis, such as the pandemic
BY HEATHER HAWORTH
A
fter spending the last
decade recovering from
the Great Recession,
Redmond was on the brink of
record-breaking expansion.
Job gains in Central Oregon
were outpacing the rest of the
nation and tourism was rising.
At the beginning of 2020,
many in Redmond were op-
timistic about our economy’s
growth, but then the pandemic
hit. COVID-19 raised unem-
ployment rates and tourism
came to a screeching halt.
Then, we were hit with a dev-
astating wildfire season that
damaged our neighbor’s homes
and businesses.
As the Branch Manager at
OnPoint Community Credit
Union’s Redmond Branch,
I’ve seen our community ride
this economic rollercoaster
Calendar
Continued from P1
THURSDAY 3/11
Aqua Wellness Cardio Plus: A
combination of no to low impact cardio
plus the instructor’s choice of stretches,
core work, balance, coordination, Pilates
or yoga, to keep you ready to re-enter
the resistive forces of the water in the
pool; 9-10 a.m.; $3.50; online; raprd.org
or 541-548-7275.
Balance & Core with Marnae: This class
is a blend of Pilates and Yoga moves.
Along with the added strength and core
conditioning, this class designed to help
with flexibility, posture, and focus on
the core muscles. Flexibility is the most
overlooked element of fitness; make
it a part of your schedule. In-person
class and online; 9:15-10:15 a.m.; $3.50;
RAPRD Activity Center 2441 SW Canal
Blvd., Redmond; raprd.org or 541-548-
7275.
Get Your Feet Wet — Intro to
Aquatic Fitness: Learn what makes
this environment different and how to
manipulate the benefits of water in your
favor. This class will be offered as a Zoom
virtual class. Contact Robin Gaudette
for instructions and an invitation to
the class at robin.gaudette@raprd.org;
11 a.m.-1 p.m.; registration required;
raprd.org or 541-548-7275.
Central Oregon Sportsmen’s
Show: The annual outdoor sports
and recreation exhibition will be
held and include seminars, local and
regional business and more. Tickets
must be purchased in advance online;
noon-8 p.m.; $5 to $12; Deschutes
County Fair & Expo Center, 3800 SW
Airport Way, Redmond; go.evvnt.
com/749204-1 or 503-246-8291.
CASA Information: Be A Voice for
Kids in Foster Care: Join our virtual
one hour Zoom session to learn more
about becoming a Court Appointed
Special Advocate for kids in foster
care.; noon-1 p.m.; online; go.evvnt.
com/742986-0 or 541-389-1618.
Know Wild — Wildflowers of Oregon:
Take a wildflower journey across Oregon
with author Damian Fagan; 6-7 p.m.;
Deschutes Public Library, online;
go.evvnt.com/745522-0 or 541-312-
1032.
firsthand. We’re committed to
helping our members make
smart decisions about their
finances through good times
and bad. While it’s hard to pre-
dict our region’s economic fu-
ture, there’s always a chance for
another crisis around the cor-
ner, whether it’s a global health
crisis or a personal challenge.
You can build your financial
resilience to weather the ups
and downs by taking a few key
actions:
Prepare for a crisis at all times
Crises are unpredictable. In-
dustries that suffered during
the Great Recession, like the
housing market, are soaring
amid the COVID-19 pan-
demic. You never know if your
job or industry will benefit or
suffer during an economic cri-
sis. To ensure you’re ready no
matter what’s
ahead, you
should fu-
ture-proof
your finances
with two
types of sav-
Haworth
ings funds.
The first,
an emergency fund, builds
toward a minimum of three
months’ worth of living ex-
penses to help you through an
income disruption. The second
is a rainy-day fund to cover
one-time expenses due to an
unexpected problem, like wild-
fire damage or car troubles.
Contribute to these funds reg-
ularly and when a crisis arises,
you’ll feel less stress and get
back on your feet more quickly.
Protect your credit
There may come a time
when you can’t fulfill your
monthly payment obliga-
tions. However, missing pay-
ments risks damaging your
credit or a bill going to col-
lections. You can protect
your credit by reaching out to
creditors as soon as you know
you might miss a payment.
Let them know how much
you can afford to pay and
when you can restart regular
payments.
your finances increases your
chances that lenders will nego-
tiate a payment plan, allowing
you time to bounce back and
protect your credit.
Remember, whether you’re
in a crisis or enjoying finan-
cial security, you should regu-
larly check your credit report
to ensure all accounts are cur-
rent and only authorized by
you. If you find any inaccu-
rate information, it’s up to you
to fix the error on your credit
report.
Potential solutions to discuss
with your lender
• Adjustment in due date.
• Setting up a payment plan.
• Waiving late fees and other
penalty charges.
• Restoring previous interest
rate levels.
• Proactively addressing
Reach out to your community
for support
The past year has presented
our community with many
complex challenges. Through-
out the COVID-19 pandemic,
our community has come to-
gether to help each other by
holding food and clothing
version. This class is great for active
older adults or a true beginner with
no previous experience who wishes
to add the fusion of Latin moves to
their workout. Held online or in-person
(limited capacity); 7:45-8:45 a.m.; $3.50;
RAPRD Activity Center, 2441 SW Canal
Blvd., Redmond or online; raprd.org or
541-548-7275.
The Central
Oregon
Sportsmen’s
Show will
take place
March 11
through 14.
Spokesman
file photo
Virtual Coffee Clatter with American
Legion: The Redmond Chamber
of Commerce will lead a virtual
discussion with the veterans nonprofit;
8:30 a.m.-9:30 p.m.; online; go.evvnt.
com/749190-0 or 541-923-5191.
Cardio Kickboxing: Jab, cross, hook and
uppercut will be the terminology used
to get your heart racing in this energy
pre-choreographed cardio endurance-
based class. Limited to 6 people; 9:15-
10:15 a.m.; $3.50; RAPRD Activity Center
2441 SW Canal Blvd., Redmond; raprd.
org or 541-548-7275.
Central Oregon Sportsmen’s
Show: The annual outdoor sports
and recreation exhibition will be
held and include seminars, local and
regional business and more. Tickets
must be purchased in advance online;
noon-8 p.m.; $5 to $12; Deschutes
County Fair & Expo Center, 3800 SW
Airport Way, Redmond; go.evvnt.
com/749221-2 or 503-246-8291.
Nonfiction Book Club: Discussing “The
Other Oregon: People, Environment and
History East of the Cascades” by Thomas
R. Cox; 1-2 p.m.; Roundabout Books,
online; go.evvnt.com/739544-0 or 541-
306-6564.
Virtual Presentation — Connecting
with the Universe through Science
and Stories: When you look up on a
clear night, you see into the universe.
Amy Sayle, Ph.D., communicates
astronomy to the public and tells
stories under the stars at the Morehead
Planetarium and Science Center;
6-7 p.m.; registration required; High
Desert Museum, online; go.evvnt.
com/738798-1
Redmond Northern Lights: The St.
Patrick’s Day-themed multimedia light
show will be projected on the side of
the pizza parlor; 6:30-9 p.m.; Grace
tand Hammer, 641 SW Cascade Ave.,
Redmond; go.evvnt.com/746286-0 or
541-923-5191.
SATURDAY 3/13
Zoom Author Event — Alexi Pappas:
The author and Olympian will discuss
her memoir “Bravey.” The ticket includes
a copy of the book; 6-7 p.m.; $27;
Roundabout Books, online; go.evvnt.
com/742991-1 or 541-306-6564.
Aqua Wellness Dry Aqua Zumba: Join
the fun with Zumba. If you have been
doing Aqua Zumba in the pool, this class
is adapted for you, low to no impact and
slow enough to have fun. You can do it
standing or in a chair; 9-10 a.m.; $3.50;
online; raprd.org or 541-548-7275.
FRIDAY 3/12
Central Oregon Sportsmen’s
Show: The annual outdoor sports
and recreation exhibition will be
held and include seminars, local and
Zumba Gold: Experience the dynamic
energy of Zumba in a low-impact
GUEST COLUMN
SOLUTION
Crossword on Page 2
regional business and more. Tickets
must be purchased in advance online;
10 a.m.-8 p.m.; $5 to $12; Deschutes
County Fair & Expo Center, 3800 SW
Airport Way, Redmond; go.evvnt.
com/749226-2 or 503-246-8291.
Redmond Northern Lights: The St.
Patrick’s Day-themed multimedia light
show will be projected on the side of
the pizza parlor; 6:30-9 p.m.; Grace
and Hammer, 641 SW Cascade Ave.,
Redmond; go.evvnt.com/746288-0 or
541-923-5191.
Countryfied Live: The local country
band will perform outside; 6:30-9 p.m.;
$15; The Angle at General Duffy’s, 404 SW
Forest Ave., Redmond; eventbrite.com
SUNDAY 3/14
Central Oregon Sportsmen’s
Show: The annual outdoor sports
and recreation exhibition will be
held and include seminars, local and
regional business and more. Tickets
must be purchased in advance online;
10 a.m.-4 p.m.; $5 to $12; Deschutes
County Fair & Expo Center, 3800 SW
Airport Way, Redmond; go.evvnt.
com/749226-2 or 503-246-8291.
to increase range of motion and 20
minutes of balance and flexibility; 7:45-
8:45 a.m.; $3.50; online; raprd.org or 541-
548-7275.
Powercut Plus with Julane: This
weightlifting class uses free weights,
resistance bands and fitness balls along
with great music to get you through
an hour of head-to-toe muscle work.
Cardio intervals are interjected between
strength sets. Offered online or in-person
(limited capacity); 9:15-10:15 a.m.; $3.50;
RAPRD Activity Center, 2441 SW Canal
Blvd., Redmond or online; raprd.org or
541-548-7275.
RAB Middles Book Club: The book club
for middle grade readers will discuss “The
Sea in Winter” by Christine Day; 6-7 p.m.;
Roundabout Books, online; go.evvnt.
com/739550-0 or 541-306-6564.
TUESDAY 3/16
Zumba Gold: Experience the dynamic
energy of Zumba in a low-impact
version. This class is great for active older
SOLUTION
Sudoku on Page 2
Redmond Northern Lights: The St.
Patrick’s Day-themed multimedia light
show will be projected on the side of
the pizza parlor; 6:30-9 p.m.; Grace
and Hammer, 641 SW Cascade Ave.,
Redmond; go.evvnt.com/746289-0 or
541-923-5191.
adults or a true beginner
with no previous
experience who wishes to add the fusion
of Latin moves to their workout. Held
online or in-person (limited capacity);
7:45-8:45 a.m.; $3.50; RAPRD Activity
Center, 2441 SW Canal Blvd., Redmond
or online; raprd.org or 541-548-7275.
Aqua Wellness Cardio Tone: A
Richard “Dick” A.
Davis
of Sisters, OR;
Redmond, OR
November 13, 1937 -
February 19, 2021
Arrangements:
Arrangements Entrusted
To: Redmond Memorial
Chapel
www.redmondmemorial.
com ; 541.548.3219
Services:
A Graveside Service
will be held at Redmond
Memorial Cemetery on
Friday, March 12, 2021 at
11:00AM
Contributions may be
made to:
Local Charity of Choice
MONDAY 3/15
Donald Robert Gearke
of Redmond, OR
Fitness 4 Life with Diane: This class
is 20 minutes of low impact moves, 20
minutes of strength exercises designed
June 19, 1931 -
February 28, 2021
Arrangements:
Autumn Funerals of
Redmond is honored to
serve the family. 541-
504-9485 Memories and
condolences may be
expressed to the family on
our website at
www.autumnfunerals.net
Services:
A memorial service will be
held at a later date.
Contributions may be
made to:
Partners in Care Hospice
2075 NE Wyatt Ct., Bend,
OR 97701
redmondspokesman.com
OBITUARY
Mona Lee Judson
September 16, 1937 - February 26, 2021
Mona Lee Judson, age 83, passed away peacefully
with her three children by her side on February 26,
2021. She was born, Mona Lee Kirchmeier, in House,
New Mexico on September 16, 1937 and later moved
to the Paciû c Northwest. She lived in Redmond,
Oregon for the past 23 years and was much loved
by colleagues and patrons of the Fred Meyer Floral
and Garden Center, where she worked for 14 years.
Mona loved gardening, photography, crav ing, and
spending } me with her children and her beloved
grandchildren. She is survived by two brothers,
three children, seven grandchildren, and three great-
grandchildren. Her children would like to express
their deep apprecia} on for the wonderful care she
received from her hospice team through Partners
In Care of Bend. If desired, memorial contribu} ons
can be made in her name to The Shepherd’s House,
PO Box 5484 Bend OR 97701, or to Partners In Care,
Hospice Bend, at partnersbend.org
Kimberly Sue Me-
deiros of Redmond, OR
March 4, 1971 - March 1,
2021
Arrangements:
Autumn Funerals of Red-
mond is honored to serve
the family. 541-504-9485
Memories and condolenc-
es may be expressed to
the family on our website
www.autumnfunerals.net
Services:
A private service will be
held at a later date
Contributions may be
made to:
Heart n Home Hospice,
745 NW Mt. Washington
Dr Suite 205, Bend, OR
97703
Paul Joseph Phanco
of Redmond, OR
Sep 7, 1945 - March 2,
2021
Arrangements:
Autumn Funerals, Red-
mond 541-504-9485 www.
autumnfunerals.net
Services:
No Services will be held at
this time.
drives and shopping at local
businesses.
When the record wildfires
hit last summer, our commu-
nity rose to the challenge again,
with families taking in those
who lost their homes or had to
be evacuated. There is always a
place to turn to for help.
If you ever find yourself in
need, never hesitate to reach
out to your neighbors, com-
munity organizations, or your
financial institution for sup-
port.
Despite Redmond’s popu-
lation growth over the last de-
cade, we remain a small-town
community with people who
care for one another through
whatever challenge comes our
way.
e e
Heather Haworth is the Redmond
branch manager for OnPoint
Community Credit Union.
combination of no to low impact cardio
and toning exercises, to keep you ready
to re-enter the resistive forces of the
water in the pool; 9-10 a.m.; $3.50;
online; raprd.org or 541-548-7275.
Balance & Core with Marnae: This class
is a blend of Pilates and Yoga moves.
Along with the added strength and core
conditioning, this class designed to help
with flexibility, posture, and focus on
the core muscles. Flexibility is the most
overlooked element of fitness; make
it a part of your schedule. In-person
class and online; 9:15-10:15 a.m.; $3.50;
RAPRD Activity Center 2441 SW Canal
Blvd., Redmond; raprd.org or 541-548-
7275.
Know Wild — Pollinator Pathway
& Native Bees of Central Oregon:
Learn how you can help pollinators this
spring and get acquainted with native
bees in this two-part presentation
with Basey Klopp and Toni Stephan;
3-4 p.m.; Deschutes Public Library,
online; go.evvnt.com/749182-0 or 541-
312-1029.
Redmond Committee for Art in Public
Places Meeting: A regular meeting will
be held; 4:30-6 p.m.; online; go.evvnt.
com/749177-0 or 541-923-7763.
Redmond City Council Special
Meeting: A special meeting will be held;
6-8 p.m.; online; go.evvnt.com/749178-0
or 541-923-7710.
John P. Vanderheiden,
M.D of Bend, OR
May 6, 1937 - March 4,
2021
Arrangements:
Baird Funeral Home of
Bend is honored to serve
the Vanderheiden family.
Please visit our website,
www.bairdfh.com, to share
condolences and sign our
online guest book.
Services:
A Funeral Mass will be
held on Thursday, March
11 at 10:00 AM at St.
Francis of Assisi Catholic
Church at 2450 NE 27th
Street Bend, Oregon
97701. A rosary will take
place prior to Mass in the
church. Graveside services
will follow. The Mass will be
livestreamed. A Celebra-
tion of Life for Dr. John
Vanderheiden will be held
at a later date.
Contributions may be
made to:
Partners in Care Hospice
of Bend
2075 NE Wyatt Court
Bend, Oregon 97701
https://www.partnersbend.
org/donation/
St. Francis of Assisi for the
restoration of the historic
church
2450 NE 27th Street
Bend, Oregon 97701
https://giving.parish-
soft.com/App/Giving/
sain2450195
Mt. Bachelor Sports and
Education Foundation
(MBSEF)
2765 NW Lola Drive
Bend, Oregon 97703
http://www.mbsef.org/
Elaine Jones
of Redmond, OR
August 23, 1930 -
March 2, 2021
Arrangements:
Autumn Funerals of
Redmond is honored to
serve the family. 541-
504-9485 Memories and
condolences may be
expressed to the family on
our website at
www.autumnfunerals.net
Services:
A private service will be
held at a later date.
Contributions may be
made to:
Heart n Home Hospice,
745 NW Mt. Washington
Dr., Suite 205 Bend, OR
97703
OBITUARY DEADLINE
Call to ask about our deadlines
541-385-5809