BUSINESS
WEDNESDAY, FEBRUARY 4, 2015
A4 HERMISTONHERALD.COM
Send submissions or story ideas for the Herald Business page to Editor Jessica Keller, jkeller@hermistonherald.com
Getting serious?
Five important money
questions to ask
V
alentine’s Day
is often a time
WRUHÀHFWRQ
your relationship, and
FRQVLGHUWKHQH[WVWHS
If your relationship is
heading toward joint
¿QDQFHVLW¶VHVVHQWLDO
WRWDONDERXWLW¿UVW²
RSHQO\DQGKRQHVWO\
A 2014 survey
KWWSZZZQHIHRUJ
press-room/news/
¿QDQFLDOLQ¿GHOLW\
SRVHVFKDOOHQJHIRU
FRXSOHVDVS[E\WKH
National Endowment
IRU)LQDQFLDO(GXFDWLRQ
IRXQGWKDWSHUFHQW
said they had failed
to share information
about their personal
GHEWRULQFRPHZKLFK
KDG³DQHIIHFWRQWKH
UHODWLRQVKLS´
“Bottom line:
If you and your
sweetheart are
considering
tying the knot
or expanding
your family,
don’t ignore
money issues.
It can be
a difficult
conversation to
initiate, but it’s
an important
one to start
planning your
financial future
together.”
7KLV\HDUFRQVLGHU
thinking beyond the
URVHVDQGFDQGOHOLJKW
dinners to a potential
future of merged
¿QDQFHV+HUHDUH
¿YHNH\TXHVWLRQV
that should drive your
FRQYHUVDWLRQ
• Where are
\RX¿QDQFLDOO\DV
individuals?
Take time to talk
about your household
GHEW²LQFOXGLQJ
VWXGHQWORDQVFUHGLW
FDUGVPRUWJDJHDQG
PHGLFDOELOOVDQGVKDUH
\RXUFUHGLWUHSRUWVIURP
WKHWKUHHPDMRUFUHGLW
UHSRUWLQJDJHQFLHV
(TXLID[([SHULDQDQG
7UDQV8QLRQ(DFKFDQ
EHREWDLQHGRQFHD\HDU
IRUIUHHKWWSVZZZ
DQQXDOFUHGLWUHSRUWFRP
LQGH[DFWLRQ,W¶VDOVR
LPSRUWDQWWRGLVFXVV
DVVHWV²QRWRQO\WKH
savings and investments
you hold, but also how
IXWXUHMRERUHGXFDWLRQ
SODQVFDQLPSURYHWKH
marriage or family’s
¿QDQFLDOKHDOWK
• What are your
money personalities?
This is a personal
¿QDQFHTXHVWLRQ
WKDWPDQ\¿QDQFLDO
planners still ask to
get a sense of your
money management
JASON ALDERMAN
MONEY MATTERS
Visa columnist
KDELWV,W¶VLQWHQGHGWR
LGHQWLI\ZKLFKSHUVRQ
in the relationship is the
VSHQGHURUWKHVDYHU,W¶V
SDUWLFXODUO\LPSRUWDQWWR
DVNHDFKRWKHUZKHWKHU
you save or spend to
make sure you’re on
WUDFNWRDFKLHYH\RXU
ORQJWHUPJRDOV
+RZGR\RXZDQWWR
live?
7KLVTXHVWLRQLVDERXW
VKDUHG¿QDQFLDODQG
personal goals and how
\RXZLOODFKLHYHWKHP
WRJHWKHU'LVFXVVKRZ
you’ve been living thus
far and what you might
FKDQJH%HKRQHVWDERXW
where you want to live,
what kind of home and
family you want to have,
ZKDWNLQGRIFDUHHURU
retirement you want and
VWDUWGLVFXVVLQJFRQFUHWH
ways you both will get
WKHUH
+RZZLOO\RX
handle everyday
spending?
Determine how you
ZLOOVKDUHDFFRXQWVSD\
bills, budget, save for
WKHIXWXUHDQGEDQN²
jointly, separately or
ERWK)LJXUHRXWKRZ
will you jointly manage
FUHGLWDQGWKHVPDUWHVW
ways to save for
UHWLUHPHQW,I\RXZDQW
DIDPLO\GHFLGHKRZ
\RX¶OOSODQIRUFKLOGUHQ
¿QDQFLDOO\)LQDOO\ZRUN
together when problems
FRPHXS$VZLWKDOO
issues in a relationship,
RQJRLQJFRPPXQLFDWLRQ
LVNH\
•What if you need
help?
There are options
if you or your partner
doesn’t know where to
VWDUW/LFHQVHG¿QDQFLDO
DQGWD[SURIHVVLRQDOV
FDQSURYLGHJXLGDQFH
RQLVVXHVIURPEDVLF
EXGJHWLQJKWWSZZZ
SUDFWLFDOPRQH\VNLOOV
FRPSHUVRQDO¿QDQFH
savingspending/
EXGJHWLQJWRSUHQXSWLDO
DJUHHPHQWV)ULHQGV
and family are a
JRRGUHVRXUFHIRU
UHFRPPHQGDWLRQV$OVR
keep in mind that some
religious denominations
DFWXDOO\RIIHUVROLG
¿QDQFLDOSODQQLQJDGYLFH
as part of premarital
FRXQVHOLQJDQGWKH
1()(KDVDTXL]KWWS
ZZZVPDUWDERXWPRQH\
RUJ7RROV5HVRXUFHV
/LIH9DOXHV4XL]DVS[
IRUSRWHQWLDOVSRXVHV
For debt issues, the
National Foundation
for Credit Counseling
is a good independent
UHVRXUFHWKDWFDQRIIHU
DGYLFHRQLPSURYLQJ
FUHGLWLVVXHVDVDFRXSOH
7KHHDUOLHU\RXFDQSXW
together an advisory
WHDPWKDW¿WV\RXU
QHHGVWKHEHWWHU
%RWWRPOLQH,I\RX
and your sweetheart are
FRQVLGHULQJW\LQJWKH
NQRWRUH[SDQGLQJ\RXU
family, don’t ignore
PRQH\LVVXHV,WFDQEH
DGLI¿FXOWFRQYHUVDWLRQ
to initiate, but it’s an
important one to start
SODQQLQJ\RXU¿QDQFLDO
IXWXUHWRJHWKHU
Jason Alderman
GLUHFWV9LVD¶V¿QDQFLDO
education programs. To
Follow Jason Alderman
on Twitter: www.twitter.
com/PracticalMoney
HermistonHerald
VOLUME 109 ɿ NUMBER 10
JESSICA KELLER
EDITOR
jkeller@
hermistonherald.com
541-564-4533
MAEGAN MURRAY
REPORTER
mmurray@
hermistonherald.com
541-564-4532
SEAN HART PHOTOS
&HUWLÀHGSHUVRQDOWUDLQHU&LQGHH+HQGHUVRQKROGVKHUERG\RIIWKHJURXQGLQDQH[HUFLVHVKHWHDFKHVFOLHQWVDW+LJKHU3RZHU
)LWQHVV6+LJKZD\6XLWH+HUPLVWRQ+HQGHUVRQVDLGWKHIDFLOLW\LVQRWDJ\PDQGVKHXVHVIHZPDFKLQHVZKLOH
ZRUNLQJZLWKSHRSOHSULYDWHO\RULQVPDOOJURXSV
A FITNESS JOURNEY
Hermiston personal
trainer describes
experience that led
her to lead others
BY SEAN HART
HERMISTON HERALD
As the sun rose over a
ODNH GXULQJ DQ H[WHQGHG
KLNLQJWULS&LQGHH+HQGHU-
son took in 2008, she knew
VKH ZDQWHG WR FRQWLQXH
EDFNSDFNLQJ DQG WDNH KHU
¿WQHVVUHJLPHQWRWKHQH[W
OHYHO
6KH VDLG WKH H[FXUVLRQ
had been miserable up
WR WKDW SRLQW EHFDXVH KHU
body was ill-prepared for
WKH VWUHQXRXV PDUFK 6KH
was in pain, and, until
that dawn, she wasn’t sure
ZKHWKHUVKHZRXOGFRQWLQ-
ue trying to improve her
SK\VLFDO HQGXUDQFH RU MXVW
JLYHXSRQEDFNSDFNLQJ
“God shows us what
we need to see, and when
I saw that sunrise, I knew
,ZDQWHGWRGRLW´+HQGHU-
VRQVDLG
+HQGHUVRQ KDG DOUHDG\
lost about 50 pounds she
DFFUXHG GXULQJ WKH VHGHQ-
WDU\ URXWLQH RI D ORQJ FRU-
SRUDWH RI¿FH FDUHHU EXW
after the hiking trip, she
embarked on a journey to
IXUWKHULPSURYHKHU¿WQHVV
DQG KHU OLIH ZKLFK OHG WR
KHU FXUUHQW PLGOLIH FDUHHU
of helping others make the
VDPHMRXUQH\
When she returned
IURP WKH KLNH +HQGHUVRQ
EHJDQ UHVHDUFKLQJ KRZ
RWKHUV KDG DFKLHYHG WKHLU
+LJKHU3RZHU)LWQHVVRZQHU
&LQGHH+HQGHUVRQVKRZV
VRPHRIWKHEDODQFHH[HU-
FLVHVVKHWHDFKHVDWKHU
EXVLQHVV
KHDOWK JRDOV VR VKH FRXOG
UHDFK KHU JRDO WR EH SUH-
SDUHG IRU H[WHQGHG EDFN-
SDFNLQJWULSV6KHGHFLGHG
to enlist the help of a per-
sonal trainer, who helped
her prepare and eventually
HQFRXUDJHGKHUWREHFRPH
DWUDLQHUKHUVHOI
,Q+HQGHUVRQEH-
FDPH D FHUWL¿HG SHUVRQDO
trainer through the Na-
WLRQDO $FDGHP\ RI 6SRUWV
0HGLFLQH DQG LQ -DQXDU\
she moved her business,
+LJKHU 3RZHU )LWQHVV
from her home to a dedi-
FDWHG ORFDWLRQ RQ WKH EDFN
side of Cornerstone Court,
6 +LJKZD\
6XLWH+HUPLVWRQ
Through her personal
KHDOWK MRXUQH\ +HQGHUVRQ
lost more than 100 pounds,
and, at age 58, with her
SHUVRQDO H[SHULHQFH VKH
said she offers a different
SHUVSHFWLYH DQG DSSURDFK
WKDQ D W\SLFDO VRPH-
WKLQJWUDLQHU
+LJKHU3RZHU)LWQHVVRZQHU
&LQGHH+HQGHUVRQXVHVD
VXVSHQVLRQWUDLQLQJGHYLFHDW
KHUQHZIDFLOLW\RQWKHEDFN
VLGHRI&RUQHUVWRQH&RXUWLQ
+HUPLVWRQ
+HQGHUVRQ VDLG VKH IR-
FXVHV RQ ³IXQFWLRQDO ¿W-
QHVV´ WR LPSURYH DUHDV
VXFK DV FRUH VWUHQJWK DQG
EDODQFH DQG VKH SURYLGHV
individual attention by
only working with peo-
ple one on one or in small
JURXSV +HU QHZ ¿WQHVV
IDFLOLW\ KDV VRPH IUHH
weights and a bike and a
treadmill for warming up,
EXW WKH VSDFH LV PRVWO\
empty with several suspen-
VLRQDQGUHVLVWDQFHWUDLQLQJ
WRROVDQGDUDFNZLWKLWHPV
VXFKDVZHLJKWHGPHGLFLQH
EDOOVDQGDODUJHURSH
³,W¶V QRW D J\P´ VKH
VDLG ³0\ FOLHQWV GRQ¶W
ZDQW D J\P 7KH\ ZDQW
someone to help them and
HQFRXUDJH WKHP DQG VKRZ
WKHP ZKDW WR GR 7KH\
ZDQW SHUVRQDO DVVLVWDQFH
I don’t believe I have to
KDYH D ORW RI HTXLSPHQW
I train the body that’s in
IURQWRIPHWKDWGD\´
+HQGHUVRQ FXVWRPL]HV
the training depending on
an individual’s personal
JRDOV DQG ¿WQHVV OHYHO IRU
her private 30- and 60-min-
ute sessions, and she also
offers a variety of 45-min-
ute small group sessions,
where she leads between
VL[ DQG HLJKW SHRSOH 6KH
uses a variety of different
WHFKQLTXHVDQGH[HUFLVHVWR
keep people interested in
WKHZRUNRXWV
“I don’t want anybody
to ever be bored when they
FRPH´VKHVDLG³,MXVWOLNH
WKHERG\WRIXQFWLRQ´
In addition to gener-
DO ¿WQHVV +HQGHUVRQ LV D
FRUUHFWLRQDO H[HUFLVH VSH-
FLDOLVW DQG KHOSV SHRSOH
UHPHG\ PXVFOH LPEDODQF-
HV $OWKRXJK VKH LV QRW D
QXWULWLRQLVW +HQGHUVRQ
also offers healthy eating
tips and overall wellness
HGXFDWLRQ DGYLFH DQG HQ-
FRXUDJHPHQW
+HQGHUVRQ JUHZ XS LQ
the area, graduating from
KLJK VFKRRO LQ 6WDQ¿HOG
DQGKDVOLYHGKHUHVLQFHWKH
ODWH V 6KH VDLG EXVL-
ness has been going well,
and she hopes to grow to
KHOSPRUHSHRSOH
“It’s a leap of faith, but
WKHUH¶V D QHHG´ VKH VDLG
³,WKLQN,¶PDFRPSOHPHQW
to what’s already here (for
KHDOWK DQG ¿WQHVV :H
FDQ¶W EH HYHU\WKLQJ WR DOO
SHRSOH,MXVWZDQWWRKHOS
as many people as possi-
ble, one rep at a time, one
SHUVRQDWDWLPH´
For more information,
YLVLWKLJKHUSRZHU¿WQHVVOOF
FRP WKH EXVLQHVV¶V )DFH-
ERRNSDJHRUFDOO
BUSINESS BITES
O So Kleen employee
UHFHLYHVQHZFHUWL¿FDWLRQ
Hermiston Enterprise Zone
meeting scheduled
5RE 0DUNZLFN UHFHQWO\ FRPSOHW-
HGKLVZDWHUGDPDJHUHVWRUDWLRQWHFK-
QLFLDQWUDLQLQJLQ6SRNDQH:DVKLQJ-
ton, with the Institution
RI ,QVSHFWLRQ &OHDQLQJ
DQG 5HVWRUDWLRQ &HUWL¿-
FDWLRQ5REKDVEHHQZLWK
26R.OHHQIRUVL[\HDUV
VHUYLQJ LQ FDSDFLW\ RI
HVWLPDWRU FDUSHQWHU DQG
Markwick now as a water damage
UHVWRUDWLRQ WHFKQLFLDQ
&HUWL¿HG WHFKQLFLDQV KDYH SDVVHG
KDQGVRQFODVVURRPDQGDVVHVVPHQW
testing to ensure proper water dam-
DJHSURFHGXUHVDUHXQGHUVWRRG26R
Kleen has served Umatilla and Mor-
URZ FRXQWLHV IRU WKH SDVW \HDUV
ZLWK FDUSHW DQG GXFW FOHDQLQJ DQG
¿UHVPRNHDQGZDWHUGDPDJHUHVWR-
UDWLRQ
$SXEOLFPHHWLQJDERXWWKH+HUP-
iston Enterprise Zone and the pro-
SRVHG SURFHVV WR UHQHZ WKH FODVVL¿-
FDWLRQZLOOWDNHSODFHIURPSPWR
SP)HEDWWKH+HUPLVWRQ&RQ-
IHUHQFH &HQWHU 6 +LJKZD\
&RVSRQVRUHGE\WKHFLW\RI+HUPLVWRQ
DQG 8PDWLOOD &RXQW\ WKH +(= LV DQ
HFRQRPLFGHYHORSPHQWWRROWKDWJUDQWV
SURSHUW\ WD[ DEDWHPHQWV WR TXDOLI\LQJ
FRPSDQLHV WKDW LQFUHDVH HPSOR\PHQW
ZLWKLQ WKH ]RQH 7KH +(= FODVVL¿FD-
WLRQ LV VHW WR H[SLUH LQ -XQH DQG WKH
FLW\RI+HUPLVWRQLQWHQGVWRDSSO\IRUD
\HDUUHQHZDO7KHSXEOLFDQGUHSUH-
VHQWDWLYHVRIWKHWD[LQJGLVWULFWVZLWKLQ
WKH+(=DUHLQYLWHGWRDWWHQGWKHPHHW-
ing to learn more about the program
DQG RIIHU FRPPHQWV %DFNJURXQG LQ-
formation about the state Enterprise
=RQH SURJUDP DQG WKH LPSDFW RI WKH
To contact the Hermiston Herald for news, advertising
or subscription information:
• call 541-567-6457
• e-mail info@hermistonherald.com
• stop by our of¿ces at 333 E. Main St.
• visit us online at: www.hermistonherald.com
SEAN HART
REPORTER
smhart@
hermistonherald.com
541-564-4534
SAM BARBEE
SPORTS REPORTER
sbarbee@
hermistonherald.com
541-564-4542
$118$/68%6&5,37,215$7(6
Delivered by carrier and mail Wednesdays and Saturdays
Inside Umatilla/Morrow counties .........................$42.65
Outside Umatilla/Morrow counties ......................$53.90
STEPHANIE BURKENBINE
MULTI-MEDIA CONSULTANT
sburkenbine@
hermistonherald.com
541-564-4538
+(=ZLOOEHSURYLGHG)RUPRUHLQIRU-
PDWLRQ FRQWDFW +(= 0DQDJHU 0DUN
Morgan, 541-567-5521, mmorgan@
KHUPLVWRQRUXV
/DWLQR%XVLQHVV1HWZRUN
PHHWLQJSODQQHG
7KH +HUPLVWRQ &KDPEHU RI &RP-
PHUFH /DWLQR %XVLQHVV 1HWZRUN
PHHWLQJZLOOWDNHSODFHDWDP)HE
DW5DGLR/D/H\(0DLQ6W
+HUPLVWRQ 2ZQHU *DXGHQFLR )HOLSH
will speak about marketing strategies
IRU EXVLQHVVHV 7KH FKDPEHU¶V YL-
VLRQ LV WR SURPRWH HGXFDWH DQG VXS-
SRUW /DWLQR EXVLQHVVHV LQ WKH JUHDWHU
+HUPLVWRQ DUHD WKURXJK QHWZRUNLQJ
DGYRFDF\ DQG EXVLQHVV FRPPXQLW\
SDUWQHUVKLS'RQXWVDQGFRIIHHZLOOEH
RIIHUHG DW WKH HYHQW )RU PRUH LQIRU-
PDWLRQFRQWDFWFKDPEHU&(2'HEELH
3HGUR
The Hermiston Herald (USPS 242220, ISSN 8750-4782) is published twice
weekly at Hermiston Herald, 333 E. Main St., Hermiston, OR 97838, (541)
567-6457, FAX (541) 567-1764. Periodical postage paid at Hermiston, OR.
Postmaster, send address changes to Hermiston
Printed on
Herald, 333 E. Main St., Hermiston, OR 97838.
recycled
newsprint
A member of the EO Media Group Copyright ©2015
JEANNE JEWETT
MULTI-MEDIA CONSULTANT
jjewett@
hermistonherald.com
541-564-4531
KIM LA PLANT
OFFICE MANAGER
klaplant@
hermistonherald.com
541-564-450
