Hermiston herald. (Hermiston, Or.) 1994-current, March 25, 2015, Image 4

Below is the OCR text representation for this newspapers page. It is also available as plain text as well as XML.

    BUSINESS
WEDNESDAY, MARCH 25, 2015
A4 HERMISTONHERALD.COM
Send submissions or story ideas for the Herald Business page to Editor Jessica Keller, jkeller@hermistonherald.com
Debt and the deceased:
How should spouses
and heirs proceed?
I
f your loved one died
OHDYLQJVLJQL¿FDQW
GHEWEHKLQGZRXOG
\RXNQRZZKDWWRGR"
,W¶VDZRUULVRPH
TXHVWLRQIRUHYHU\RQH
<RXQJRUROGEDVHG
RQSDUWLFXODUGHEW
FLUFXPVWDQFHVRU
JHRJUDSKLFORFDWLRQ
GHDWKZLWKGHEWFDQ
SURYLGHVLJQL¿FDQW
SUREOHPVIRUVXUYLYLQJ
IDPLO\PHPEHUV
'HSHQGLQJRQVWDWHODZ
DQGWKHVSHFL¿FFUHGLW
UHODWLRQVKLSVLQYROYHG
WKH\PLJKWEHVKRFNHG
WROHDUQWKDWWKH\FRXOG
be legally liable for
DGHFHDVHGUHODWLYH¶V
RXWVWDQGLQJGHEW²
DQ\WKLQJIURPXQSDLG
PRUWJDJHEDODQFHVDQG
PHGLFDOGHEWWRXQSDLG
FUHGLWFDUGEDODQFHV
6SRXVHVKWWSZZZ
SUDFWLFDOPRQH\VNLOOV
FRPXQH[SHFWHGGHDWK
ZKRPD\VKDUHDQ\
NLQGRIGHEWMRLQWO\
SDUWLFXODUO\FUHGLWFDUGV
LQGXDOQDPHFRXOGIDFH
JUHDWHUFKDOOHQJHV,WDOVR
PD\VSHOOSUREOHPVIRU
FRVLJQHUVRIDQ\NLQGRI
ORDQ
$VZLWKDOO¿QDQFLDO
SODQQLQJWKHEHVWWLPH
WRDFWLVEHIRUHDQ
LVVXHDULVHV:DWFKLQJ
DQ\IDPLO\GHDOZLWK
H[WHQVLYHGHEWSUREOHPV
DIWHUDVSRXVHRUUHODWLYH
SDVVHVRQLOOXVWUDWHV
WKHQHHGIRU¿QDQFLDO
WUDQVSDUHQF\ZKLOHDOO
SDUWLHVDUHDOLYH1R
PDWWHUKRZGLI¿FXOW
DIDPLO\PHPEHU¶V
FUHGLWFLUFXPVWDQFHV
DUHVSRXVHVDQGDGXOW
FKLOGUHQVKRXOGIDFHWKRVH
FLUFXPVWDQFHVZKLOH
RSWLRQVDUHDYDLODEOHWR
GHDOZLWKDQ\SUREOHPV
6SRXVHVFDQEHJLQE\
UHTXHVWLQJDQGVKDULQJ
WKHLUWKUHHIUHHDQQXDO
FUHGLWUHSRUWVKWWSV
ZZZDQQXDOFUHGLWUHSRUW
FRPLQGH[DFWLRQIURP
7UDQV8QLRQ([SHULDQ
DQG(TXLID[WRFRQ¿UP
GHEWVWDWXV2QFHWKDW
LQIRUPDWLRQLVRXWLQWKH
RSHQLW¶VWLPHIRUWKH
FRXSOHRUIDPLO\PHPEHUV
WRGHDOZLWKVSHFL¿F
FLUFXPVWDQFHVUHODWHGWR
WKDWGHEW)RUH[DPSOHD
\RXQJFRXSOHPD\KDYH
GLIIHUHQWGHEWLVVXHVWKDQ
DQROGHUUHWLUHGFRXSOH
EXWERWKVKRXOGFRQVLGHU
KRZWKH\ZRXOGKDQGOH
WKHGHEWVRIDVSRXVHRU
OHJDOSDUWQHUDIWHUGHDWK
,WFDQEHKHOSIXOWRPHHW
ZLWKDTXDOL¿HG¿QDQFLDO
RUHVWDWHH[SHUWDERXW
ZD\VWRH[WLQJXLVKRU
PDQDJHGHEWLVVXHVDV
SDUWRIFXUUHQW¿QDQFLDO
DQGHVWDWHSODQQLQJ
,WLVSDUWLFXODUO\
LPSRUWDQWIRUERUURZHUV
DQGWKHLUH[HFXWRUVWR
NQRZZKDWFDWHJRULHV
RIWKHGHFHDVHG¶VGHEWV
JASON ALDERMAN
MONEY MATTERS
Visa columnist
ZLOOOLNHO\QHHGWREH
UHSDLGDIWHUWKHLUGHDWK
DQGRWKHUGHEWVWKDWPLJKW
EHFDQFHOHGRUIRUJLYHQ
*HQHUDOO\FHUWDLQIRUPV
RIXQVHFXUHGGHEWKHOG
LQWKHGHFHDVHG¶VQDPH
DORQH²OLNHFUHGLW
FDUGVRUIHGHUDOVWXGHQW
ORDQV²PD\OLNHO\EH
GLVFKDUJHGEXWFKHFN
ZLWKTXDOL¿HGH[SHUWV
¿UVW
$Q\NLQGRIGHEWKHOG
LQMRLQWQDPHVKRXOG
EHHYDOXDWHG6SRXVHV
OHJDOSDUWQHUVDQG
IDPLO\PHPEHUVZKR
KDYHFRVLJQHGORDQV
RUMRLQWFUHGLWDFFRXQWV
of any kind risk payoff
UHVSRQVLELOLW\IRUWKDW
GHEWLIWKHLUFRERUURZHU
GLHV([SHUWVFDQ
DGYLVHKRZWRGHDOZLWK
LQGLYLGXDOVLWXDWLRQV
([SHUWVDOVRPD\
VXJJHVWWKDWFRERUURZHUV
ZLWKRXWFUHGLWLQWKHLU
RZQQDPHVDSSO\IRUD
FUHGLWFDUGLQVHSDUDWH
QDPHVZKLOHWKHLU
VSRXVHLVVWLOODOLYH$
VHSDUDWHFUHGLWDFFRXQWLI
UHVSRQVLEO\PDQDJHGFDQ
KHOSWKHVXUYLYRUTXDOLI\
IRUDGGLWLRQDOFUHGLWLQ
WKHLUQDPHDIWHUDVSRXVH
RUOHJDOSDUWQHUGLHV
.HHSLQPLQGWKDWDOO
GHEWVLWXDWLRQVDUHXQLTXH
WRWKHLQGLYLGXDO)RU
H[DPSOHDVHQLRUZKR
TXDOL¿HVIRUQXUVLQJKRPH
FDUHXQGHU0HGLFDLG
SXEOLFDLGPD\KDYH
IDPLO\PHPEHUVZKRZLOO
QHHGWRVHOOWKHVHQLRU¶V
KRPHWRDGGUHVVFHUWDLQ
H[SHQVHVDIWHUKHRUVKH
KDVGLHG,WLVEHVWWR
SUHSDUHUHODWLYHVIRUWKDW
SRVVLELOLW\LQDGYDQFH
6HSDUDWHO\DKHDOWK\
VHQLRUUHODWLYHPD\OHDYH
DKRPHWRKHLUVVWLOO
XQGHUPRUWJDJHRUWKHUH
FRXOGEHDVLJQL¿FDQWWD[
GHEW
$LULQJDQGUHYLHZLQJ
WKHVHLVVXHVLQDGYDQFH
FDQHLWKHUSUHSDUH
UHODWLYHVIRUFHUWDLQ
UHDOLWLHVRUHQDEOHWKHP
WRVROYHSUREOHPVZKLOH
WKHUHODWLYHLVVWLOODOLYH
%RWWRPOLQH'HDOLQJ
ZLWKDGHFHDVHG
UHODWLYH¶VGHEWFDQDGG
VWUHVVDWDSDUWLFXODUO\
ZRUULVRPHWLPHIRU
VSRXVHVDQGUHODWLYHV
7KHEHVWRSWLRQLV
WUDQVSDUHQF\ZKLOH
UHODWLYHVDUHDOLYHVR
GHEWLVVXHVFDQEH
DGGUHVVHGDVSDUWRI
RYHUDOOHVWDWHSODQQLQJ
— Jason Alderman
dLreFWs 9Lsa¶s ¿nanFLal
education programs. To
Follow Jason Alderman
on Twitter: www.twitter.
com/PracticalMoney
MAEGAN MURRAY PHOTO
The Five Star Auto Wash features an all-new automatic car wash that cost the owners about $150,000 to purchase and install.
&DUZDVKSURYLGLQJ
FOHDQUHOLDEOHVHUYLFH
BY MAEGAN MURRAY
HERMISTON HERALD
:KHQWKHRZQHUVRI)LYH
6WDU $XWR 6DOHV WRRN RYHU
WKHFDUZDVKRQ(OP6WUHHW
DFURVV WKH VWUHHW IURP :DO
0DUWWKHLUJRDOZDVWRSUR
YLGHUHVLGHQWVZLWKDVHUYLFH
WKH\ KDYHQ¶W VHHQ LQ VRPH
WLPH
Russ Green and Todd
3HUNLQV ERXJKW WKH GLODS
LGDWHG EXLOGLQJ DW (
(OP6WDQGDIWHUVSHQGLQJ
DSSUR[LPDWHO\ LQ
UHQRYDWLRQV DQG SXUFKDVLQJ
QHZ HTXLSPHQW WKH\ IHHO
WKH\ QRZ RIIHU UHVLGHQWV D
VHUYLFH WKDW ZLOO NHHS WKHP
FRPLQJEDFN
³:H VDZ WKH QHHG IRU
VRPHWKLQJ OLNH WKLV´ 3HU
NLQVVDLG³:HRZQWKH)LYH
6WDU$XWRGHDOHUVKLSKHUHLQ
WRZQ DQG ZH ZHUH ORRNLQJ
WR EHDXWLI\ WKLV D OLWWOH ELW
1RZ LW IXQFWLRQV FRUUHFWO\
DQG ZH IHHO LW DGGV VRPH
WKLQJWRWKHFRPPXQLW\´
7KURXJK WKH UHQRYDWLRQV
RIWKHEXLOGLQJWKHFDUZDVK
QRZ IHDWXUHV DQ DXWRPDWLF
ZDVK WKDW GRHVQ¶W KDYH DQ\
SK\VLFDO VFUXE EUXVKHV RU
PDWV WKDW ZLOO VFUDWFK FDUV
RU ULS RII DQWHQQDV 5DWKHU
WKH PDFKLQH XVHV FKHPLFDO
SURSHUWLHVRIZDWHUSUHVVXUH
DQG GLIIHUHQW W\SHV RI VRDS
DQG ZD[HV WR JHW WKH YHKL
FOHVFOHDQDQGORRNLQJWKHLU
EHVW
3HUNLQVVDLGWKHDXWRPDW
LF FDU ZDVK FRPSHWHV ZLWK
RWKHUVWDQGDUGFDUZDVKV\V
WHPV WKDW XVH EUXVKHV DQG
RWKHU FOHDQLQJ PDWHULDOV WR
SURYLGH D VHDPOHVV ZDVK
WKDWZRQ¶WFDXVHGDPDJHWR
WKHYHKLFOH
³7KDWLVRQHRIWKHWKLQJV
WKDWZHZDQWHGWRJHWDZD\
IURP´ KH VDLG RI SK\VLFDO
MAEGAN MURRAY PHOTO
MAEGAN MURRAY PHOTO
Five Star Auto co-owner Todd Perkins stands in front of he
and business partner Russ Green’s new venture, Five Star
Auto Wash, 212 E. Elm St. The owners have put more than
$200,000 in structural and equipment improvements into the
facility, which has been open since December 2014.
VFUXEELQJ GHYLFHV ³7KDW LV
SUREDEO\ WKH ELJJHVW FRP
SODLQW ZH VDZ ZLWK RWKHU
FDU ZDVKHV ² WKDW LW FDQ
GDPDJHWKHYHKLFOHV7KDWLV
ZK\ZHZHQWWKLVURXWH´
7KHQHZDXWRPDWLFZDVK
DW WKH IDFLOLW\ KDV IRXU RS
WLRQVUDQJLQJLQSULFHIURP
WR :LWK WKH WRS
WZR RSWLRQV FXVWRPHUV JHW
ZKDWLVNQRZQDVWKH³WULSOH
VKLQH´:LWKWKHWRSRSWLRQ
FXVWRPHUV FDQ DOVR WDNH
WKHLU YHKLFOH WKURXJK IRU D
RQHRIDNLQG H[SHULHQFH
NQRZQDVWKHKRWODYDZD[
³$W QLJKW LW LV OLNH ÀX
RUHVFHQW RUDQJH´ 3HUNLQV
VDLG ³,W ORRNV OLNH D VKHHW
of lava going over your
FDU 7KHUH¶V RQO\ EHWZHHQ
¿YH DQG RI WKHVH LQ WKH
8QLWHG6WDWHV:HZDQWHGWR
EULQJ VRPH WHFKQRORJ\ WKDW
EURXJKWXVLQWR´
7KHDXWRPDWLFZDVKQRZ
DOVRIHDWXUHVWZRDGGLWLRQDO
FDUGU\HUVWKDWWRJHWKHUUXQ
DWKRUVHSRZHULQVWHDGRI
DVLWGLGEHIRUHWRHQVXUH
WKDW FDUV DUH GULHG HYHQO\
EHIRUHFXVWRPHUVGULYHWKHP
RIIWKHORW
7KH ZDVK DOVR IHDWXUHV
D QXPEHU RI GRLW\RXUVHOI
ZDVKLQJ VWDOOV ZKLFK FXV
WRPHUVFDQXVHDWOLWWOHFRVW
LQ DGGLWLRQ WR YDFXXP VWD
WLRQVWKDWFRVWWRXVH
:LWKLQ WKH QH[W IHZ
PRQWKV3HUNLQVVDLGKHDQG
*UHHQ ZLOO DGG D FRXSOH RI
VHOIVHUYLFH VSRWVKDPSRR
LQJ VWDWLRQV ZKLFK FXV
WRPHUVZLOOSD\DVPDOOIHH
WR XVH WR IXUWKHU FOHDQ WKH
LQVLGH RI WKHLU YHKLFOHV +H
VDLGDVWKHEXVLQHVVFRQWLQ
XHV WR JURZ WKH\ KRSH DGG
WRWKHRIIHULQJV
³:HVWDUWHGWKLVDVDVXS
SOHPHQWDO EXVLQHVV WR KHOS
JURZRXUEXVLQHVV´KHVDLG
³1RZ DV WKH WRZQ JURZV
ZHZDQWWRJURZWRR´
7KH FDU ZDVK LV RSHQ
KRXUV D GD\ VHYHQ GD\V
D ZHHN ZKLFK KDV EHHQ D
KXJH GUDZ WR FXVWRPHUV
3HUNLQVVDLG(DFKRIWKHFDU
ZDVK VWDOOV DOVR KDV KHDWHG
ÀRRUV IRU WKH FROG ZLQWHU
PRQWKVDIHDWXUHNHSWIURP
The newly remodeled and re-
furbished car wash Five Star
Auto Wash is now open for
business. Co-owners Todd
Perkins and Russ Green put
more than $200,000 into the
operation in an effort to help
beautify the area and provide
residents with a service on
which they can depend.
WKHRULJLQDOIDFLOLW\
,QWKHIRXUPRQWKVVLQFH
WKHEXVLQHVVKDVEHHQRSHQ
PRUH WKDQ FDUV KDYH
XVHGWKHIDFLOLW\ZKLFK3HU
NLQV VDLG LV SUHWW\ VXEVWDQ
WLDOIRUDQHZEXVLQHVV
³,W GH¿QLWHO\ JHWV XVHG
QRZ´3HUNLQVVDLG³2QRXU
EXVLHVWGD\ZHZDVKHG
FDUV 2Q ZDUPHU GD\V FDUV
ZLOO EH OLQHG XS RXW WR WKH
VWUHHW´
'HVSLWH WKH HDUO\ VXF
FHVV3HUNLQVVDLGWKH\ZDQW
WR NHHS FXVWRPHUV KDSS\
E\ FRQWLQXDOO\ SURYLGLQJ D
JRRGVHUYLFHWKDWSHRSOHDS
SUHFLDWH +H VDLG WKH\ KDYH
UHFHLYHGPDQ\FRPSOLPHQWV
RQWKHIDFLOLW\¶VFOHDQOLQHVV
ZKLFKZLOOFRQWLQXHWREHD
SULRULW\DWWKHEXVLQHVV
³:H FKHFN RQ LW DERXW
HYHU\WKUHHKRXUV´KHVDLG
³:HDUHVHOOLQJFOHDQVRWKH
SODFH VKRXOG EH FOHDQ :H
ZDQW WR FRQWLQXH WR XSGDWH
WKLQJV DQG DGG QHZ SURG
XFWV´
)RU PRUH LQIRUPDWLRQ
SHRSOH FDQ FDOO )LYH 6WDU
$XWR6DOHVDW
BUSINESS BITES
Economic Injury
Disaster Loans available
to Oregon small
businesses
6PDOO QRQIDUP EXVLQHVVHV
LQ 2UHJRQ FRXQWLHV DQG D
QHLJKERULQJ FRXQW\ LQ &DOLIRU
QLD DUH QRZ HOLJLEOH WR DSSO\
IRU ORZLQWHUHVW IHGHUDO GLVDV
WHU ORDQV IURP WKH 86 6PDOO
%XVLQHVV$GPLQLVWUDWLRQ7KHVH
ORDQV RIIVHW HFRQRPLF ORVVHV
EHFDXVH RI UHGXFHG UHYHQXHV
FDXVHG E\ WKH GURXJKW LQ WKH
IROORZLQJ SULPDU\ FRXQWLHV
WKDWEHJDQRQ0DUFK6%$¶V
'LVDVWHU)LHOG2SHUDWLRQV&HQ
WHU:HVW 'LUHFWRU 7DQ\D 1
*DUILHOGDQQRXQFHG
3ULPDU\2UHJRQFRXQWLHVDUH
*UDQW DQG -DFNVRQ 1HLJKERU
LQJ 2UHJRQ FRXQWLHV HOLJLEOH
%DNHU &URRN 'RXJODV +DU
QH\ -RVHSKLQH .ODPDWK 0DO
KHXU0RUURZ8PDWLOOD8QLRQ
DQG:KHHOHU1HLJKERULQJ&DO
LIRUQLDFRXQW\6LVNL\RX
³6%$HOLJLELOLW\FRYHUVERWK
WKH HFRQRPLF LPSDFWV RQ EXVL
QHVVHV GHSHQGHQW RQ IDUPHUV
DQGUDQFKHUVWKDWKDYHVXIIHUHG
DJULFXOWXUDO SURGXFWLRQ ORVV
HV FDXVHG E\ WKH GLVDVWHU DQG
EXVLQHVVHVGLUHFWO\LPSDFWHGE\
WKHGLVDVWHU´*DUILHOGVDLGLQD
SUHVVUHOHDVH
HermistonHerald
VOLUME 109 ɿ NUMBER 24
JESSICA KELLER
EDITOR
jkeller@
hermistonherald.com
541-564-4533
MAEGAN MURRAY
REPORTER
mmurray@
hermistonherald.com
541-564-4532
6PDOO QRQIDUP EXVLQHVVHV
VPDOODJULFXOWXUDOFRRSHUDWLYHV
VPDOO EXVLQHVVHV HQJDJHG LQ
DTXDFXOWXUH DQG PRVW SULYDWH
QRQSURILW RUJDQL]DWLRQV RI DQ\
VL]H PD\ TXDOLI\ IRU (FRQRPLF
,QMXU\ 'LVDVWHU /RDQV RI XS WR
PLOOLRQ WR KHOS PHHW ILQDQ
FLDO REOLJDWLRQV DQG RSHUDWLQJ
H[SHQVHV WKDW FRXOG KDYH EHHQ
PHW KDG WKH GLVDVWHU QRW RF
FXUUHG
³(OLJLELOLW\IRUWKHVHORDQVLV
EDVHG RQ WKH ILQDQFLDO LPSDFW
RI WKH GLVDVWHU RQO\ DQG QRW RQ
DQ\ DFWXDO SURSHUW\ GDPDJH´
*DUILHOG VDLG LQ WKH UHOHDVH
³7KHVH ORDQV KDYH DQ LQWHUHVW
UDWHRISHUFHQWIRUEXVLQHVVHV
To contact the Hermiston Herald for news, advertising
or subscription information:
• call 541-567-6457
• e-mail info@hermistonherald.com
• VWRSE\RXURI¿FHVDW(0DLQ6W
• 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
DQGIRUSULYDWHQRQSURILW
RUJDQL]DWLRQVDPD[LPXPWHUP
RI \HDUV DQG DUH DYDLODEOH
WR VPDOO EXVLQHVVHV DQG PRVW
SULYDWH QRQSURILWV ZLWKRXW WKH
ILQDQFLDO DELOLW\ WR RIIVHW WKH
DGYHUVH LPSDFW ZLWKRXW KDUG
VKLS´
%\ ODZ 6%$ PDNHV (,'/V
DYDLODEOH ZKHQ WKH 86 6HFUH
WDU\ RI $JULFXOWXUH GHVLJQDWHV
DQ DJULFXOWXUDO GLVDVWHU 6HFUH
WDU\ 7RP 9LOVDFN GHFODUHG WKLV
GLVDVWHURQ0DUFK
%XVLQHVVHV SULPDULO\ HQ
JDJHG LQ IDUPLQJ RU UDQFKLQJ
DUHQRWHOLJLEOHIRU6%$GLVDVWHU
DVVLVWDQFH $JULFXOWXUDO HQWHU
SULVHV VKRXOG FRQWDFW WKH )DUP
ANNUAL SUBSCRIPTION RATES
Delivered by carrier and mail Wednesdays and Saturdays
Inside Umatilla/Morrow counties .........................$42.65
Outside Umatilla/Morrow counties ......................$53.90
JEANNE JEWETT
MULTI-MEDIA CONSULTANT
jjewett@
hermistonherald.com
541-564-4531
6HUYLFHV$JHQF\DERXWWKH86
'HSDUWPHQW RI $JULFXOWXUH DV
VLVWDQFH PDGH DYDLODEOH E\ WKH
6HFUHWDU\¶V GHFODUDWLRQ +RZ
HYHULQGURXJKWGLVDVWHUVQXUV
eries are eligible for SBA disas
WHUDVVLVWDQFH
$SSOLFDQWV PD\ DSSO\ RQ
OLQH XVLQJ WKH (OHFWURQLF /RDQ
$SSOLFDWLRQ YLD 6%$¶V VHFXUH
ZHEVLWH DW KWWSVGLVDVWHUORDQ
VEDJRYHOD
'LVDVWHU ORDQ LQIRUPDWLRQ
DQG DSSOLFDWLRQ IRUPV DUH DOVR
DYDLODEOHIURP6%$¶V&XVWRPHU
6HUYLFH&HQWHUE\FDOOLQJ
RU HPDLOLQJ GLVDV
WHUFXVWRPHUVHUYLFH#VEDJRY
,QGLYLGXDOV ZKR DUH GHDI RU
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
KIM LA PLANT
OFFICE COORDINATOR
klaplant@
hermistonherald.com
541-564-4530