BUSINESS
WEDNESDAY, MARCH 18, 2015
A4 HERMISTONHERALD.COM
Send submissions or story ideas for the Herald Business page to Editor Jessica Keller, jkeller@hermistonherald.com
Is your teen
ready for a
summer job?
F
or many teens,
there’s nothing
more exciting
than receiving the
first paycheck from
a summer job — a
sure-fire ticket to fun
and freedom. It’s also
a great opportunity for
parents to encourage
proper money
management.
Parents or guardians
need to do some
necessary paperwork
first. Working teens
will need his or her
own Social Security
Number to legally
apply for a job. They
will also need a
SSN to open a bank
account to deposit
their paychecks.
Depending on state
law, children younger
than 18 may have to
open bank accounts in
their custodial name
with their parents or
guardians. It is also
important for parents to
check in with qualified
tax or financial
advisors about their
teen’s earned income,
particularly if it may
affect any investments
under the child’s name.
After that, it’s
about encouraging
teens to get a jump
on their job search.
The recent job market
for American teens
has been tough and
investigating particular
kinds of openings
should start months
in advance of summer
hire. Networking is
also important —
teens can reach out to
friends, neighbors and
other trusted adults
about potential jobs
in the community.
Also, it is never too
early for teens to learn
resume writing and job
interviewing skills. The
Practical Money Skills
website’s Landing
a Job (http://www.
practicalmoneyskills.
com/personalfinance/
lifeevents/work/
landingjob.php)
page offers useful
background to help
teens get started.
Parents can also
assist by monitoring
job categories their
children are interested
in, encouraging them
to meet application
deadlines and being
aware of federal, state
and local child labor
laws (http://www.
youthrules.dol.gov/
know-the-limits/index.
htm) to steer them
from unscrupulous
employers.
Technology changes
quickly, so tech-savvy
teens may be ahead
of the game when it
comes to searching for
work online. Leading
job search engines are a
destination for seasonal
job openings, and
many allow users to
customize searches for
specific positions and
employers. However,
teens may need to be
reminded about their
social media activity
before they begin any
job search — anything
a teen posts publicly
on the Internet may
be seen by a potential
employer.
JASON ALDERMAN
MONEY MATTERS
Visa columnist
Banking is another
major step in the life
of the working teen,
though they don’t need
to wait for that first job
to get started.
Many parents open
bank accounts for their
children as early as
their first allowance
— after all, digital
banking makes it easier
to monitor and transfer
money without a trip
to the branch or ATM.
Paychecks — on paper
or via digital deposit
— make familiarity
with the banking
system an even greater
necessity. Check with
their bank to see what
types of accounts are
offered for children and
teens — some banks
offer a wide variety
of custodial accounts
where parents can track
and assist their child’s
spending and saving
activity.
A teen’s first job is
a great opportunity to
introduce budgeting,
saving and long-term
investment skills. Your
child may be working
over the summer to
save for a particular
desired item — a
cellphone or a trip —
or more extensive
goals like future
college expenses. The
Practical Money Skills
site offers a budgeting
tutorial (http://www.
practicalmoneyskills.
com/personalfinance/
savingspending/
budgeting/) and
budgeting calculators
(http://www.
practicalmoneyskills.
com/calculators/
budgetGoals.php?calc
Category=budget) for a
range of purposes.
When the job offer
comes, there’s one
more thing parents can
do. Getting hired means
a flurry of paperwork
that can be confusing;
parents can help
their children review
those documents
before signature.
Most will apply to
tax withholding, but
such documents might
also include special
workplace agreements
that might not always
be clear to young
workers. When that
first paycheck arrives,
consider sitting down
to inspect a teen’s first
paper or electronic
pay stub. Many people
don’t understand their
withholding even as
adults, so children can
benefit greatly from
this lesson at the start
of their working lives.
Bottom line: A
teen’s first summer
job is a great way for
parents and children
to collaborate on job-
hunting and money
management skills that
will produce benefits
for a lifetime.
— Jason Alderman
directs Visa’s financial
education programs. To
Follow Jason Alderman
on Twitter: www.twitter.
com/PracticalMoney
HermistonHerald
VOLUME 109 ɿ NUMBER 22
JESSICA KELLER
EDITOR
jkeller@
hermistonherald.com
541-564-4533
MAEGAN MURRAY
REPORTER
mmurray@
hermistonherald.com
541-564-4532
SEAN HART PHOTO
Debbie Westwood, owner of the new downtown Hermiston store, Indulge, stands in front of some of the vintage home decor
items at the business, 158 E. Main St., Tuesday.
Indulge in rustic style
New downtown
Hermiston store
offers home decor
and more
BY SEAN HART
HERMISTON HERALD
Debbie Westwood enjoys
the vintage style, and In-
dulge, her new store on Main
Street in Hermiston, offers
customers a variety of home
decor items that match her
personality and the area.
Customers in the area
must appreciate the style as
well because, about a week
after opening, she said she
is already placing orders for
new merchandise to replace
what has been purchased.
“People are really liking
it, so I have a lot of custom-
ers coming back and sending
people here,” she said. “I’ve
had nothing but good com-
ments regarding it. I’ve been
very busy. I’ve been selling.”
Westwood said vintage
or rustic home decor is pop-
ular, and she knows many
people locally who decorate
their homes with the types of
items she offers. The busi-
ness also provides customers
something different, she said.
“There isn’t much like
this in town,” she said. “Ev-
erybody has like that West-
ern-type look around this
area, and I wanted to do a lit-
tle different, and that’s what
the vintage, rustic look is.
People enjoy coming in here.
It’s very relaxing. There’s
lots of stuff to look at.”
After redesigning the store
at 158 E. Main St., Westwood
VDLGVKH¿OOHGLWZLWKDYDUL-
ety of decorations, furniture,
mirrors, pictures, lamps and
candles. She also offers gar-
den decorations, such as bird-
SEAN HART PHOTO
Indulge, a new store on Main Street in Hermiston, offers a
variety of items, including home and garden decorations, and
will soon offer wine by the bottle.
houses and planters, and jew-
elry and will soon be selling
wine by the bottle.
About 10 years ago in
Hermiston, Westwood said
she operated Flowers by the
Petal Pusher, which also of-
fered antiques and home de-
FRU ([FHSW IRU WKH ÀRZHUV
she said the new business
is similar and highlights her
love for design.
Westwood said she chose
the new business location to
help bring customers to shop
in downtown Hermiston.
“I put it on Main Street be-
cause I want our Main Street
to be where people go,” she
said. “People needed some-
thing else downtown, and I
think it’s helped with that as
well.”
Indulge is open from
10 a.m. to 5 p.m. Tuesdays
through Saturdays.
Connecting people with resources
Expo provides opportunities
for farm workers in the area
BY SEAN HART
HERMISTON HERALD
Agriculture workers learned about a
variety of services available at the Farm
Worker & Ag Employer Expo March 11
in Hermiston.
The expo was sponsored by the
Hermiston Chamber of Commerce’s
Latino Business Network, and chamber
CEO Debbie Pedro said the event, which
catered to Spanish speakers, helped
highlight opportunities for training, em-
ployment and social and health services.
“It provides information about ser-
vices that are available here in Hermiston
and throughout the area,” she said. “We
try to bring that here for them so hopeful-
O\LW¶VDRQHVWRSSODFHZKHUHWKH\FDQ¿QG
all that. It’s an opportunity to bring people
together. It’s all about our community.”
Pedro said she expected at least 100
SEAN HART PHOTO
Fiesta Foods employees serve food to
the line of attendees at the Farm Worker
& Ag Employer Expo March 11 at the
Hermiston Conference Center.
people would attend this year’s event as
people trickled in last week and began
gathering information from the booths
before presentations by Oregon Em-
ployment Department State Monitor Ad-
vocate Fernando Gutierrez, Hermiston
School District Project College Bound
Coordinator Liz Marvin and others.
Latino Business Network Chairman
Jesse Torres said the expo offered people
a chance to learn valuable information
and network with others in the commu-
nity.
“A lot of ag workers don’t know
what’s available to them, so this is a way
to bring it to them,” he said. “The Lati-
no Business Network has been trying to
promote, to give a voice to Latino busi-
nesses in the greater Hermiston area, and
this is one of the ideas we came up with.”
Hermiston Hispanic Advisory Com-
mittee Chairman and Latino Business
Network member Eddie De La Cruz said
the event, which featured a free meal
catered by Fiesta Foods, helped show
appreciation for the ag workers while
helping them improve their education,
careers and lives.
“It’s very important because we
QHHG WR ¿QG RXW ZKDW NLQG RI UHVRXUF-
es we have in the community,” he said.
“There’s a lot of resources, but if we
don’t know where they’re at, it doesn’t
do any good.”
He said the Latino Business Network
is considering sponsoring another expo
in the fall.
BUSINESS BITES
Business to Business
luncheon scheduled
The Hermiston Chamber
of Commerce Business to
Business luncheon will
take place March 24 at
the Hermiston Confer-
ence Center. The lunch
begins with networking
at 11:45 a.m. followed by
two presentations. First,
Erica Sandoval, with the
Hermiston Police Depart-
ment, will present on the
topic of Crime Prevention
Through Environmental
Design. Businesses can
learn how to fortify their
properties to minimize
the likelihood of being
victimized.
Blue Mountain Com-
munity College President
To contact the Hermiston Herald for news, advertising
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SEAN HART
REPORTER
smhart@
hermistonherald.com
541-564-4534
SAM BARBEE
SPORTS REPORTER
sbarbee@
hermistonherald.com
541-564-4542
Cam Preus will then pres-
ent on the BMCC bond
that will be on the May
19 ballot and the econom-
ic impact the passage of
this bond could have on
the region.
She will explain about
the new facilities and how
the bond will benefit not
only the students, faculty
and staff, but also local
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JEANNE JEWETT
MULTI-MEDIA CONSULTANT
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residents.
For more informa-
tion about the event or
to R.S.V.P., contact the
Hermiston Chamber of
Commerce at 541-567-
6151,
www.hermiston-
chamber.com or info@
hermistonchamber.com.
Cost to attend is $10 for
chamber members and
$13 for non-members.
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KIM LA PLANT
OFFICE COORDINATOR
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