Wednesday, March 20, 2018
The Observer ✫ Baker City Herald
Last call for Wallowa County
business survey
ENTERPRISE — The Wallowa Cham-
ber of Commerce and the Small Business
Development Center at Blue Mountain
Community College are working togeth-
er to identify the business challenges lo-
cal business owners are facing. A survey
that circulated last summer has been re-
vived in order to gather information so
that all businesses may be better served.
The brief survey may be accessed at
www.surveymonkey.com/r/Q82PFP2.
❇✜ ✢✣✤✤✣✦✧ ★✤✦✩✩✪✬✭✮✯✰ ✱✬✬✴✩✣✦✵✰❡ ✶✷✰✬✬
✸✹✺✻ ✼ ✽❤✾✿✾ ❀✿✾
❁❤❀❂❂✾❃❄✾❅ ❈❤❀❈ ❁❉❋✾ ❍❏❈❤
❊ ✁✂✄☎✆✁ ✝✞✟✠✁✄☎✡☛ ✞✡☞ ✞☞✆✁✟✄☎✌☎✡☛
✿r❃❃❏❃❄ ❈❤✾ ❂❀❅❈ ✸❂❉❁❑▲r❅❈✾✿
✌✄✟✞✄✁☛☎✁✌ ✞✟✁ ✞✡ ✁✌✌✁✡✄☎✞s ✍✞✟✄ ✎ ✎✏✡☎✡☛
✞ ✌❛✂✂✁✌✌ ❛s ✑❛✌☎✡✁✌✌✳ ❲✒☎s✁ ✍✞☎☞ ✞☞✆✁✟✄☎✌✲
❱❏▼✾❉ ❉❃ ❈❤✾ P❂❀❃✾❈◗
☎✡☛ ✂✁✟✄✞☎✡s✐ ✒✞✌ ☎✄✌ ✍s✞✂✁ ✞✡☞
✂✞✡ ✑✁ ✆✁✟✐ ✑✁✡✁❝✂☎✞s✓ ✝✞✡✐
✽❤✾ ❁❉❋Pr❈✾✿ ❅❘❅❈✾❋
✎✍✄☎✎✡✌ ✞✆✞☎s✞✑s✁ ✄✎ ✁✡✄✟✁✲
✍✟✁✡✁❛✟✌ ✞✟✁ s✎✏ ✂✎✌✄ ✎✟ ✁✆✁✡
❋r❅❈ ▲✾ ✿✾▲❉❉❈✾▼ r❅❏❃❄
✟✁✁✳
❆☞✆✁✟✄☎✌☎✡☛ ☎✌ ✞ ✏✞✐ ✄✎
ïðñòó
❙❉PP❘ ▼❏❅❑❅ ❈❤❀❈ ❉❃❂❘ ❈❤✾
☎✡✄✟✎☞❛✂✁ ✎✟ ✟✁✝☎✡☞ ✍✎✄✁✡✄☎✞s
✂s☎✁✡✄✌ ✞✑✎❛✄ ✄✒✁ ✍✟✎☞❛✂✄✌ ✞✡☞
❄✾❃✾✿❀❂ ❋❀❃❀❄✾✿ ✼ ❀ ❅❉❂❏▼
✌✁✟✆☎✂✁✌ ✎ ✁✟✁☞✓ ✑❛✄ ✝✎✟✁ ☎✝✍✎✟✄✞✡✄s✐✓ ☎✄
☎✌ ✞ ✍✟✎✝☎✌✁ ✄✎ ☞✁s☎✆✁✟ ✔❛✞s☎✄✐ ☛✎✎☞✌ ✞✡☞
❋✾❋▲✾✿ ❉♠ ❯✾❃ ❳ ✼ ❑❃❉❍❅
✌✁✟✆☎✂✁✌✓ ✞✡☞ ✞ ✝✁✄✒✎☞ ✄✎ ☛✁✄ ✍✁✎✍s✁ ✄✎ ✐✎❛✟
☞✎✎✟✳ ✥✞✆☎✡☛ ✞ ✏✁ss ☞✁✌☎☛✡✁☞ s✎☛✎✓ ✞ ✑❛✌☎✲
❤❉❍ ❈❉ r❅✾◗ ✽❤✾ ▼❉❈❨❋❀❈✿❏❩
✡✁✌✌ ✂✞✟☞ ✎✡ ✔❛✞s☎✄✐ ✂✞✟☞ ✌✄✎✂✠✓ s✁✄✄✁✟✒✁✞☞✓
✏✁✑✌☎✄✁✓ ✞✡☞ ✞ ✍✟✁✌✁✡✂✁ ✎✡ ✌✎✂☎✞s ✝✁☞☎✞✓ ✞ss
❴❵❞❢ ❣❥❧❢❢❧♥♦❧ ♣ qt✉✈✇① ②t③✉ ④⑤⑥⑦⑧⑨t
P✿❏❃❈✾✿ ▲✿❉❑✾❬ ❅❉ ✾❋P❂❉❘✾✾❅
⑩❶❷❸ ❹❸❺❻❷❸ ❼❽❾❷❿➀ ➁❺➂➃❽➀ ➄➃➅❷➆ ➃ ➈➉➀➄➀ ➀➂ ➉❺➆ ➈➃➆➆❷❽❾❷❸➆ ➃➄ ➁❷❽❹➊➆ ➁❿➀➋➅❶➌➆➄❷❸ ❺❽
❍✿❏❈✾ ❉r❈ ❋✾❋▲✾✿❅❤❏P ❁❀✿▼❅
➃❽➎➒➉❷❸❷➏
✂✎✡✌☎✌✄✁✡✄s✐ ✑✟✞✡☞✁☞ ✕✏✒☎✂✒ ☎✡✂s❛☞✁✌ ✂✎s✎✟
✄✒✁✝✁✌✓ ✎✡✄✌✓ ✁✄✂✳✖✓ ✍✟✎✆☎☞✁ ✞ ✌✎s☎☞ ✌✄✞✟✄☎✡☛
➍➌❿➎➏ ❼ ➁❿➀➋➅❶➌➆➄❷❸ ❺➆ ➋❿➀➆❺❽❾ ❺❽ ❼➌➆➄❸➃❿❺➃➐ ❿❷➃❻❺❽❾ ➄➉❷ ➀❽❷ ❺❽ ➁❷❽❹ ➑ ➃❽❹ ❽➀ ➀➄➉❷❸➆➐
✍✎☎✡✄✳
●✎✎☞ ✂❛✌✄✎✝✁✟ ✌✁✟✆☎✂✁ ☎✌ ✝❛✂✒ ✝✎✟✁
▲❘ ❤❀❃▼◗ ❭❃▼ ❈❤✾ ❅❈❉✿✾❪❅
▲❀❁❑✾▼ rP ❉❃ ❀ ✿✾✾❂❨❈❉❨✿✾✾❂
▲✾❁❀r❅✾ ❜❀▼❏❉ ❫❤❀❁❑ ❍✾❃❈
▲r❅❏❃✾❅❅ ❈✿❀❃❅❀❁❈❏❉❃❅ ❀✿✾
❈❀P✾ ❈❤❀❈ ❁❀❃❪❈ ▲✾ ✿✾P❂❀❁✾▼
❉r❈ ❉♠ ▲r❅❏❃✾❅❅◗
✄✒✞✡ ☛✟✁✁✄☎✡☛ ✍✁✎✍s✁ ☎✡ ✞ ✟☎✁✡☞s✐ ✝✞✡✲
✡✁✟ ✞✡☞ ✒✞✆☎✡☛ ✄✟✞☎✡✁☞✓ ✍✟✎ ✁✌✌☎✎✡✞s ✌✄✞ ✳
■✄ ✞s✌✎ ☎✡✂s❛☞✁✌ ✑✁☎✡☛ ✎✍✁✡ ☞❛✟☎✡☛ ✒✎❛✟✌
➓➔➔ →➣↔↕➙➛ ➜ ➝➞➟➔ ➠➡
✄✒✞✄ ✞✟✁ ✂✎✡✆✁✡☎✁✡✄ ✎✟ ✂❛✌✄✎✝✁✟✌✳ ❲✒☎s✁
☎✄ ✝✞✐ ✑✁ ✄✁✝✍✄☎✡☛ ✏✒✁✡ ✄✒✁✟✁ ☎✌ ✡✎ ✎✡✁
☎✡ ✄✒✁ ✌✄✎✟✁ ✎✟ ✎ ❝✂✁ ✄✎ ✟❛✡ ✞✡ ✁✟✟✞✡☞ ✎✟
☛✟✞✑ ✞ ✂❛✍ ✎ ✂✎ ✁✁✓ ✁✏ ✄✒☎✡☛✌ ✏☎ss ✄❛✟✡ ✎
Fed set to signal no expectation of rate hikes
✞ ✂❛✌✄✎✝✁✟ ✝✎✟✁ ✄✒✞✡ ❝✡☞☎✡☛ ✞ ✑❛✌☎✡✁✌✌
✂s✎✌✁☞ ☞❛✟☎✡☛ ✞☞✆✁✟✄☎✌✁☞ ✑❛✌☎✡✁✌✌ ✒✎❛✟✌✳
◆✎ ✞✝✎❛✡✄ ✎ ✝✞✟✠✁✄☎✡☛ ☞✎ss✞✟✌ ✏☎ss ✂✎✡✲
✆☎✡✂✁ ✞ ✂❛✌✄✎✝✁✟ ✄✎ ☞✎ ✑❛✌☎✡✁✌✌ ✏☎✄✒ ✐✎❛
☎ ✄✒✁✐ ❝✡☞ ✐✎❛✟ ☞✎✎✟ s✎✂✠✁☞ ✞✡☞ ✞ ✌✄☎✂✠✐
❇✜ ➭✦✷✵✣✧ ➯✷✪✵✬✣✧➲✰✷
➳➵ ➸➺➻➼➻➽➾➺➚ ➪➶➾➹➘➶
✄✒✁ ✁✂✎✡✎✝✐ ☎✌ ✎✡ ❝✟✝ ✎✎✄☎✡☛✓ ☎✄
✞✂✁✌ ✟☎✌✠✌ ✟✎✝ ✌s✎✏☎✡☛ ☛✟✎✏✄✒
❲❆➦✥■◆●❚❖◆ ➴ ✘✞✄☎✁✡✂✁✳ ❆
✞✡☞ ✄✟✞☞✁ ✂✎✡➬☎✂✄✌✳ ❆☛✞☎✡✌✄ ✄✒✞✄
✎✂❛✌ ✎✡ ☎✡✂✎✝☎✡☛ ✁✂✎✡✎✝☎✂ ☞✞✄✞✳
✑✞✂✠☞✟✎✍✓ ✄✒✁ ✄✒☎✡✠☎✡☛ ☛✎✁✌✓ ☎✄
✡✎✄✁ ✌✞✐☎✡☛✓ ➇✗✁ ✑✞✂✠ ✌✎✎✡❦✳ ✘✎✌✄☎✡☛ ✐✎❛✟
❆✡☞ ✡✎ ☎✡✄✁✟✁✌✄ ✟✞✄✁ ✒☎✠✁✌ s☎✠✁s✐
✏✎❛s☞ ✑✁ ❛✡✏☎✌✁ ✄✎ ✠✁✁✍ ✟✞☎✌☎✡☛
✒✎❛✟✌ ✎ ✎✍✁✟✞✄☎✎✡ ✞✡☞ ✌✄☎✂✠☎✡☛ ✄✎ ✄✒✁✝ ☎✌
✌✎✎✡✳
✟✞✄✁✌✓ ✞✌ ✄✒✁ ✛✁☞ ☞☎☞ ✎❛✟ ✄☎✝✁✌
✁✌✌✁✡✄☎✞s✳
❚✒✁ ✝✁✌✌✞☛✁ ✄✒✁ ✛✁☞✁✟✞s
❖✄✒✁✟ ✂✎✝✝✎✡ ✝☎✌✄✞✠✁✌✓ ✁✌✍✁✂☎✞ss✐
✎✟ ✄✒✎✌✁ ☎✡ ✄✒✁ ✌✁✟✆☎✂✁ ☎✡☞❛✌✄✟✐✓ ☎✡✂s❛☞✁
☎✡ ✃➩➫❐✳
➷✁✌✁✟✆✁ ☎✌ ✍✎☎✌✁☞ ✄✎ ✌✁✡☞ ✏✒✁✡
❚✒✁ ✛✁☞ ☎✌ ☎✡✌✄✁✞☞ ✌✁✄ ✄✒☎✌
☎✄✌ s✞✄✁✌✄ ✍✎s☎✂✐ ✝✁✁✄☎✡☛ ✁✡☞✌ ✄✒☎✌
✏✁✁✠ ✄✎ ✠✁✁✍ ☎✄✌ ✠✁✐ ✌✒✎✟✄✲✄✁✟✝
✡✎✄ ✟✁✄❛✟✡☎✡☛ ✂✞ss✌ ☎✡ ✞ ✄☎✝✁s✐ ✝✞✡✡✁✟
✏✁✁✠ ☎✌ ✞ ✌✎✎✄✒☎✡☛ ✎✡✁✳ ■✄ ✟✁➬✁✂✄✌
✟✞✄✁ ☎✡ ✞ ✟✞✡☛✁ ✎ ✃✳✃❒ ✍✁✟✂✁✡✄ ✄✎
✞✡☞ ✡✎✄ ✌✒✎✏☎✡☛ ❛✍ ✄✎ ☞✎ ✄✒✁ ✙✎✑ ✏✒✁✡
✞✡ ✞✑✟❛✍✄ ✌✒☎ ✄ ☎✡ ✄✎✡✁ ✌☎✡✂✁ ✄✒✁
✃✳❒ ✍✁✟✂✁✡✄✳ ❆✡☞ ✝✎✌✄ ✞✡✞s✐✌✄✌
✍✟✎✝☎✌✁☞✳ ❖ ✂✎❛✟✌✁✓ ✍✟✎ ✁✌✌☎✎✡✞ss✐ ✂✎✝✲
✌✄✞✟✄ ✎ ✄✒✁ ✐✁✞✟ ☎✡ ✄✒✁ ✞✂✁ ✎ ✞
✄✒☎✡✠ ✄✒✁ ✍✎s☎✂✐✝✞✠✁✟✌ ✏☎ss ✌✂✞s✁
✍s✁✄☎✡☛ ✄✒✁ ✙✎✑ ☎✡ ✄✒✁ ✄☎✝✁s☎✡✁ ✞✡☞ ☞✎ss✞✟
✌s✎✏☞✎✏✡ ☎✡ ✄✒✁ ➢✡☎✄✁☞ ➦✄✞✄✁✌
✑✞✂✠ ✄✒✁☎✟ ✍✟✎✙✁✂✄☎✎✡ ✎ ✟✞✄✁ ✒☎✠✁✌
✞✝✎❛✡✄ ✍✟✎✝☎✌✁☞ ☎✌ ✞s✌✎ ✠✁✐ ✄✎ ✁✡✌❛✟✲
✞✡☞ ✞✑✟✎✞☞✓ ✍✁✟✌☎✌✄✁✡✄s✐ ✄✞✝✁
✄✒☎✌ ✐✁✞✟ ✟✎✝ ✄✏✎ ✄✎ ✎✡✁ ✎✟ ✍✁✟✲
☎✡☛ ✟✁✍✁✞✄ ✑❛✌☎✡✁✌✌✳ ❚✞✠☎✡☛ ✄✒✁ ✄☎✝✁ ✄✎
☎✡➬✞✄☎✎✡ ✞✡☞ ✞ ✡✁✟✆✎❛✌ ✌✄✎✂✠
✒✞✍✌ ✁✆✁✡ ✡✎✡✁✳
✟✁✄❛✟✡ ✂✞ss✌ ☎✡ ✄✒✁ ✝✎✟✡☎✡☛ ✞✡☞ ✁✡☞ ✎
✝✞✟✠✁✄✳ ❚✒✁ ✌✒☎ ✄ ✄✎✏✞✟☞ ✞ ✝✎✟✁
☞✞✐ ☎✌ ✌✎✝✁✄✒☎✡☛ ✌❛✂✂✁✌✌ ❛s ✑❛✌☎✡✁✌✌
✒✞✡☞✌✲✎
✎✏✡✁✟✌ ☞✎✳
✄✎✟✌ ✞✡☞ ✁✡✂✎❛✟✞☛✁☞ ✄✒✁ ✆☎✁✏
❲✒☎s✁ ✒✞✆☎✡☛ ✞ ✍✟✁✌✁✡✂✁ ✎✡ ✌✎✂☎✞s ✝✁☞☎✞
á❞❢â❧ã ❣❞ã♥❧ ä❧❢❧å❞ ♣ qt✉✈✇① ②t③✉ ④⑤⑥⑦⑧⑨t
❚✒✁✟✁ ☎✌ ✞s✌✎ ✞✡✄☎✂☎✍✞✄☎✎✡ ✄✒✞✄
✛✁☞ ✒✞✌ ✍s✁✞✌✁☞ ☎✡✆✁✌✲
✄✒✁ ✛✁☞ ✏☎ss ✌✍✁✂☎ ✐ ✏✒✁✡ ✄✒☎✌
æ➉❷ ç❷❹❷❸➃❿ è❷➆❷❸❻❷ ❶➌❺❿❹❺❽❾ ❺❽é➃➆➉❺❽❾➄➀❽ ❺➆ ➆❷❷❽ ❺❽ ê❷➋➏➐ ëìíî➏
✐✁✞✟ ☎✄ ✁✚✍✁✂✄✌ ✄✎ ✌✄✎✍ ✌✒✟☎✡✠☎✡☛
✄✒✞✄ ✄✒✁ ✂✁✡✄✟✞s ✑✞✡✠ ☎✌ ☞✎✡✁ ✟✞☎✌✲
☎✄✌ ✒❛☛✁ ✍✎✟✄ ✎s☎✎ ✎ ✑✎✡☞✌✓ ✍✞✟✄ ✎
✌✞☎☞ ✒✁ ✄✒✎❛☛✒✄ ✄✒✁ ✑✞s✞✡✂✁ ✌✒✁✁✄
☎✌ ✂✎✡✌☎☞✁✟✁☞ ☎✝✍✎✟✄✞✡✄ ☎✡ ✄✒☎✌ ☞✞✐ ✞✡☞
☎✡☛ ✟✞✄✁✌ ✎✟ ✡✎✏ ✞✡☞ ✝☎☛✒✄ ✁✆✁✡
☎✄✌ ✑✞s✞✡✂✁ ✌✒✁✁✄✳ ❮✎☎✡☛ ✌✎ ✏✎❛s☞
✟✁☞❛✂✄☎✎✡ ✏✎❛s☞ ✑✁ ✎✡ ➇✞❛✄✎✲
✞☛✁✓ ☎✡ ✁✞✌✄✁✟✡ ❖✟✁☛✎✡✓ ✍✟☎✡✄ ✞✡☞ ✟✞☞☎✎
✞✂✄ ✄✒☎✌ ✐✁✞✟ ✄✎ ✌❛✍✍✎✟✄ ✟✞✄✒✁✟
✒✁s✍ ✠✁✁✍ ✞ s☎☞ ✎✡ s✎✞✡ ✟✞✄✁✌✳
✝✞✄☎✂ ✍☎s✎✄✳❦ ❚✒✞✄ ✎✑✌✁✟✆✞✄☎✎✡✓
☎✡✙✁✂✄☎✡☛ ✒☎✝✌✁s ✡✎✄ ✎✟ ✄✒✁ ❝✟✌✄
✞☞✆✁✟✄☎✌☎✡☛ ✞✟✁ ✌✄☎ss ✆☎✞✑s✁ ✞✡☞ ✏✎✟✄✒✏✒☎s✁
✄✒✞✡ ✟✁✌✄✟✞☎✡ ✄✒✁ ✁✂✎✡✎✝✐✳
☎✡ ✍✞✟✄☎✂❛s✞✟✓ ✌✁✁✝✁☞ ✄✎ ✌✍✎✎✠
✄☎✝✁ ☎✡✄✎ ✄✒✁ ✛✁☞➧✌ ✎✌✄✁✡✌☎✑s✐
✎✍✄☎✎✡✌✳ ■✡ ✞ss ✂✞✌✁✌✓ ✂✎✡✌☎✌✄✁✡✂✐ ☎✌ ✄✒✁ ✠✁✐✳
✘s✞✂☎✡☛ ✞ ✌☎✡☛s✁ ✞☞ ☎✡ ✄✒✁ s✎✂✞s ✡✁✏✌✍✞✍✁✟
❆ss ✎ ✏✒☎✂✒ ✌❛☛☛✁✌✄✌ ✄✒✞✄ ✄✒✁
■✡ ✞ ✌✄✞✄✁✝✁✡✄ ❲✁☞✡✁✌☞✞✐✓
☎✡ ❛✍☞✞✄✁☞ ✁✂✎✡✎✝☎✂ ✎✟✁✂✞✌✄✌
✎✟ ☞✞✐✌ ✞ ✄✁✟✏✞✟☞✳
✘✟✁✌☎☞✁✡✄ ❮✎✡✞s☞ ❚✟❛✝✍✓
✛✁☞ ✝✞✐ ✟✁✂✎☛✡☎❰✁ ✄✒✞✄ ☎✄ ✏✁✡✄
☎✡✆✁✌✄✎✟✌ ✏☎✄✒ ✄✒✁ ✍✟✎✌✍✁✂✄ ✎
☎✡☞✁✍✁✡☞✁✡✄ ☞✁s☎✑✁✟✞✄☎✎✡✌✓ ✝✞☞✁
✄✎✎ ✞✟ ✞ ✄✁✟ ☎✄ ✝✁✄ ☎✡ ❮✁✂✁✝✑✁✟✳
✌✄✁✞☞☎s✐ ✒☎☛✒✁✟ ✑✎✟✟✎✏☎✡☛ ✟✞✄✁✌
✂s✁✞✟ ✒✁ ✏✞✌✡➧✄ ✒✞✍✍✐✓ ✂✞ss☎✡☛
✎✟ ✎✡ ✄✒✁ ✟✞☞☎✎ ☎✌ ☎✡✁ ✁✂✄☎✆✁ ✞✡☞ ✞ ✏✞✌✄✁
✞✡☞ ☎✡ ✞ ✡✁✏✌ ✂✎✡ ✁✟✁✡✂✁ ✑✐
❆ ✄✁✟ ✄✒✞✄ ✝✁✁✄☎✡☛✓ ✄✒✁ ✍✎s☎✂✐✲
✎ ✝✎✡✁✐✳ ❚✒✁✟✁ ✞✟✁ ✎ ✄✁✡ ☎✡✂✁✡✄☎✆✁✌ ✎ ✲
➮✒✞☎✟✝✞✡ ➱✁✟✎✝✁ ✘✎✏✁ss✓ ✄✒✁
✝✞✠✁✟✌ ✎✟✁✂✞✌✄ ✄✏✎ ✞☞☞☎✄☎✎✡✞s
✞✡☞ ✍✁✟✒✞✍✌ ✞ ❛✟✄✒✁✟ ✁✂✎✡✎✝☎✂
✒✁✞☞✁☞✳ ➷✁✍✎✟✄✌ ✁✝✁✟☛✁☞ ✄✒✞✄
✛✁☞ ✏☎ss s☎✠✁s✐ ✡✎✄✁ ✄✒✞✄ ✏✒☎s✁
✟✞✄✁ ☎✡✂✟✁✞✌✁✌ ☎✡ ✃➩➫Ï✓ ✞✡☞ ✘✎✏✁ss
✌s✎✏☞✎✏✡✳ ➦✄✎✂✠ ✍✟☎✂✁✌ ✄❛✝✑s✁☞
❚✟❛✝✍ ✏✞✌
✁✟✁☞ ✑✐ ✝✁☞☎✞ ✎❛✄s✁✄✌ ✎✟ ✟✁✍✁✞✄ ✞☞✌ ✞✡☞
☎✡☞☎✆☎☞❛✞s✌ ✏☎ss ✑✁✡✁❝✄ ✟✎✝ ✄✒✁ ✁✚✍✁✟✄☎✌✁
✎ ✁✟✁☞ ✑✐ ✍✟✎ ✁✌✌☎✎✡✞s ✞☞✆✁✟✄☎✌☎✡☛ ✟✁✍✟✁✲
✌✁✡✄✞✄☎✆✁✌✳
❆ ✛✞✂✁✑✎✎✠ ✍✞☛✁ ✎✟ ✞✡ ■✡✌✄✞☛✟✞✝ ✞✂✲
➢✡✌✎s☎✂☎✄✁☞ ✝✎✡✁✐ ✞☞✆☎✂✁ ☎✌
✡✁✌✌ ☎✌ ✡✎✄ ✄✒✟☎✆☎✡☛ ✞✡☞ ✄✒✞✄ ✐✎❛ ✞✟✁ ✡✎✄
s☎✠✁ ✌✄✞s✁ ✟❛☎✄✂✞✠✁➤ ➥✎✌✄ ✍✁✎✍s✁
✆✁✟✐ ✌✁✟☎✎❛✌ ✞✑✎❛✄ ✎✑✄✞☎✡☎✡☛ ✑❛✌☎✡✁✌✌✳
✏☎✌✒ ✄✒✁ ☛☎✆✁✟✌ ✏✎❛s☞ ✙❛✌✄ ✠✁✁✍ ☎✄
✥☎✟☎✡☛ ✌✎✝✁✎✡✁ ✄✎ ✑✁ ☎✡ ✂✒✞✟☛✁ ✎ ❛✍☞✞✄☎✡☛
✄✎ ✄✒✁✝✌✁s✆✁✌✳
✌✎✂☎✞s ✝✁☞☎✞ ✞✂✂✎❛✡✄✌ ✂✞✡ ✑✁ ✞ ✏✎✟✄✒✏✒☎s✁
✄✒✁ ❮✁✂✁✝✑✁✟ ✟✞✄✁ ✒☎✠✁ ✏✟✎✡☛✲
See Hikes / Page 2B
Liz Weston: How to give money advice
✂✎❛✡✄ ✄✒✞✄ ✒✞✌ ✡✎✄ ✑✁✁✡ ❛✍☞✞✄✁☞ ✎✟ ✌✁✆✁✟✞s
✏✁✁✠✌ ✂✞✡ ✌✁✡☞ ✞ ✝✁✌✌✞☛✁ ✄✒✞✄ ✐✎❛✟ ✑❛✌☎✲
✎✟ ✂✎✡✌❛✝✁✟✌ ✞✡☞ ✑❛✌☎✡✁✌✌✁✌
Make sure they want
your advice
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ÔÕÖÖÑ×
ØÙÚ ÛÜÝÞßà
➦✄☎ss✓ ✄✒✎✌✁ ✏✒✎ ✞✟✁ ➇☛✎✎☞ ✏☎✄✒
❊✆✁✡ ✍✁✎✍s✁ ✏✒✎ ✍✞✐ ✎✟ ✝✎✡✲
✁✐ ✞☞✆☎✂✁ ✂✞✡ ✒✞✆✁ ✄✟✎❛✑s✁ ✎s✲
s✎✏☎✡☛ ☎✄✳ ➦✎✝✁✟✌ s✁✞✟✡✁☞ ✞✑✎❛✄
✌✎✝✁✎✡✁ ✒✞✌✡➧✄ ✞✌✠✁☞ ✎✟ ✐✎❛✟
✎✍☎✡☎✎✡✓ ✎✟ ✁✆✁✡ ☎ ✄✒✁✐ ✒✞✆✁✓ ✞
☛✎✎☞ ❝✟✌✄ ✌✄✁✍ ☎✌ ✝✞✠☎✡☛ ✌❛✟✁
✄✒✁✐ ✏✞✡✄ ☎✄✓ ➦✎✝✁✟✌ ✌✞✐✌✳
✛✎✟ ✁✚✞✝✍s✁✓ ✐✎❛ ✂✎❛s☞ ✌✞✐✓
☎✡✆✁✌✄✝✁✡✄ ☎ ☎✄ ☎✌ ✡✎✄ ✌✎✝✁✄✒☎✡☛ ✞ ✑❛✌☎✡✁✌✌
✝✎✡✁✐❦ ✎ ✄✁✡ ✏✞✡✄ ✄✎ ✒✁s✍ ✟☎✁✡☞✌
☛☎✌✄ ✞✡☞ ✁✚✁✂❛✄☎✆✁ ✂✎✞✂✒ ➥✎☎✟✞
✌✎✝✁✄✒☎✡☛ ✂✞ss✁☞ ➇✡✎✡✲✞☞✒✁✟✁✡✂✁❦
➇■➧✆✁ ✑✁✁✡ ✏✞✄✂✒☎✡☛ ✐✎❛ ✌✄✟❛☛☛s✁✓
✎✏✡✁✟ ✁✁s✌ ✂✎✝ ✎✟✄✞✑s✁ ✎✟ ✁✚✍✁✟☎✁✡✂✁☞
✞✡☞ ✞✝☎s✐ ✏✒✎ ✌✄✟❛☛☛s✁✳ ➥✞✡✐ ✎
➦✎✝✁✟✌✓ ✞❛✄✒✎✟ ✎ ➇❆☞✆☎✂✁ ❚✒✞✄
✏✒☎s✁ ✏✎✟✠☎✡☛ ☎✡ ✒✁✞s✄✒ ✂✞✟✁✓ ✞✡☞
✞✡☞ ■ ✒✞✆✁ ✞ ✁✏ ☎☞✁✞✌ ✎✟ ✌✎✝✁
☞✎☎✡☛✳
❛✌ ✟✁✝✁✝✑✁✟ ✄✒✁ ✄☎✝✁s✐ ✝✎✡✁✐ ✄☎✍
➦✄☎✂✠✌➤ ✥✎✏ ✄✎ ●☎✆✁ ✛☎✡✞✡✂☎✞s ❆☞✲
✌✒✁ ✡✎✏ ✄✟✞☎✡✌ ❝✡✞✡✂☎✞s ✍s✞✡✡✁✟✌
✄✒☎✡☛✌ ✄✒✞✄ ✝☎☛✒✄ ✒✁s✍✳ ■ ✐✎❛
✄✒✞✄ ✝✞☞✁ ✞ss ✄✒✁ ☞☎ ✁✟✁✡✂✁➤ ✏✒✁✡
✆☎✂✁ ❚✒✞✄ ✘✁✎✍s✁ ❲☎ss ✛✎ss✎✏✳❦ ✥✁✟
☎✡ ✌✎✝✁ ✎ ✄✒✁ ✌✞✝✁ ✄✁✂✒✡☎✔❛✁✌
✁✆✁✟ ✏✞✡✄ ✄✎ ✒✁✞✟ ✄✒✁✝✓ s✁✄ ✝✁
✠✡✎✏✓❦ ➦✎✝✁✟✌ ✌❛☛☛✁✌✄✌✳
❚✒☎✟☞ ✍✞✟✄✐ ✁✡☞✎✟✌✁✝✁✡✄✌ ✞✟✁ ✎✡✁ ✎
✄✒✁ ✝✎✌✄ ✆✞s❛✞✑s✁ ✄✎✎s✌ ✎✟ ✐✎❛✟ ✑❛✌☎✡✁✌✌✳
✞ ✂✎✲✏✎✟✠✁✟ ✌❛☛☛✁✌✄✁☞ ✏✁ ✂✎✡✄✟☎✑✲
✑✎✎✠ ✏✞✌ ✏✟☎✄✄✁✡ ✎✟ ❝✡✞✡✂☎✞s
☞✎✂✄✎✟✌ ❛✌✁ ✄✎ ✒✁s✍ ✍✞✄☎✁✡✄✌ ✎ss✎✏
❆✌✠☎✡☛ ✌✞✄☎✌❝✁☞ ✂❛✌✄✎✝✁✟✌ ✎✟ ✞ ✔❛✎✄✁
❛✄✁ ✄✎ ✄✒✁ ✂✎✝✍✞✡✐➧✌ ➨➩➫✕✠✖✓ ✎✟
✍s✞✡✡✁✟✌✓ ✑❛✄ ✄✒✁ ✄✁✂✒✡☎✔❛✁✌ ✌✒✁
✄✟✁✞✄✝✁✡✄ ✍s✞✡✌✳
✞✑✎❛✄ ✄✒✁☎✟ ✍✎✌☎✄☎✆✁ ✁✚✍✁✟☎✁✡✂✁ ✎✟ ✍✁✟✒✞✍✌
✁✚✞✝✍s✁✓ ✎✟ ✄✒✞✄ ✄☎✝✁ ✞ ✟✁s✞✄☎✆✁
✌❛☛☛✁✌✄✌✓ ✑✞✂✠✁☞ ✑✐ ✑✁✒✞✆☎✎✟✞s
✍✎✌✄☎✡☛ ✞ ✆☎☞✁✎ ✎ ✄✒✁✝ ✎✡ ✐✎❛✟ ✏✁✑✌☎✄✁ ✎✟
✏✞✟✡✁☞ ❛✌ ✎
❝✡✞✡✂✁ ✟✁✌✁✞✟✂✒✓ ✂✎❛s☞ ✑✁ ✒✁s✍ ❛s
✎✄✒✁✟ ✌✎✂☎✞s ✝✁☞☎✞✓ ✂✞✡ ✑✁ ✄✟✁✝✁✡☞✎❛✌s✐
✟✁✞ss✐ ✏✞✌ ✄✎✎ ☛✎✎☞ ✄✎ ✑✁ ✄✟❛✁✳
See Smith / Page 2B
✞✡ ☎✡✆✁✌✄✝✁✡✄ ✄✒✞✄
➦✎ ■ ✄❛✟✡✁☞ ✄✎ ✡✁❛✟✎✍✌✐✂✒✎s✎✲
❆ ✠✁✐ ✍✟☎✡✂☎✍s✁➤ ❚✒✁ ✍✁✟✌✎✡
✑✁☎✡☛ ✄✟✁✞✄✁☞ ✡✁✁☞✌ ✄✎ ➇✑❛✐ ☎✡✓❦
✎✟ ✞✡✐✎✡✁ ✏✒✎ ✏✞✡✄✌ ✄✎ ☛☎✆✁ ✁ ✲
✎✟ ✞☛✟✁✁ ✄✒✞✄ ✄✒✁ ✌❛☛☛✁✌✄✁☞ ✄✟✁✞✄✲
✁✂✄☎✆✁ ✝✎✡✁✐ ✂✎❛✡✌✁s✳
✝✁✡✄ ☎✌ ✟☎☛✒✄ ✎✟ ✄✒✁✝✳ ❲✒✁✡
✝✞ ✟✠✡
ôõö
÷ø
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üý÷
✁✂ ✁
✄ ✁ ☎ ✆
øýþö
ý÷ö
öùõ
ÿõ
ö
ú
ù
ÿ
õø
Watch your language
➦✎✝✁ ✂✁s✁✑✟☎✄✐ ✝✎✡✁✐ ☛❛✟❛✌
✟✁✆✁s ☎✡ ✌✒✞✝☎✡☛ ✄✒✁ ✍✁✎✍s✁
See Weston / Page 2B
☛☞✌✍✎✏✑✒
✜
✚
✙
✛
✚
✙
✘
✗
✖
✓✔ ✢ ✕ ✣ ✤✥✣✦✧✚
✬
✭
✬
✩
✫
✮
✭
★✩ ✯✥ ✪ ✘✰ ✫ ✯ ✬ ✚✥✱✚✘✦✲✜✳✘✴