BUSINESS
WEDNESDAY, APRIL 15, 2015
A4 HERMISTONHERALD.COM
Send submissions or story ideas for the Herald Business page to Editor Jessica Keller, jkeller@hermistonherald.com
Resetting your
retirement after divorce
R
etirement planning
can face derailment
after a divorce.
Married, two-income
couples have the advantage
of splitting living expenses
and pooling all their
investment assets, including
retirement accounts. Once
the marriage is over, costs
for separate households
may limit the ability of
ex-spouses to keep their
retirement on track.
After a divorce,
individuals generally walk
away with a share of joint
retirement assets based on
how they negotiate that
split. However, returning
to singlehood means the
end of shared expenses
with housing, food,
transportation and related
expenses now being paid
out of one wallet, not two.
This can mean considerably
less money to direct toward
retirement and other
savings and investments.
To assure a comfortable
retirement, many experts
advise individuals to save
and invest over time so
they can live annually on
at least 70 percent of their
pre-retirement income.
Divorcing couples should
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an equitable split of assets
and a continuing plan to
build a solid retirement in
single life.
Here are a few steps to
reset one’s retirement goals
after divorce.
Gather a personal
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professional to offer advice
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investment, tax, estate
and retirement details of
a divorce negotiation.
Afterward, individuals
may continue with these
advisors or interview new
ones. Personal referrals
are best, but the following
resources may help:
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Board of Standards
• The Association for
Financial Counseling and
Planning Education
• The Financial Planning
Association
• Your state CPA society
Budget. Spending
priorities can change after
a divorce. Newly divorced
spouses should track all
new spending diligently so
they can reset their budget
for retirement. (http://www.
practicalmoneyskills.com/
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JASON ALDER0AN
MONEY MATTERS
Visa columnist
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help review a divorcing
individual’s budgeting
strategy to make sure
as much money goes to
savings as possible.
Evaluate all retirement
assets. When divorce
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idea to take inventory of
all retirement assets to
determine whether they
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one’s 401(k) or employer
plan administrator does not
have a calculator to help
estimate how accounts
will grow under certain
investment scenarios, refer
to Bankrate.com’s various
retirement calculators for
help.
Review Social Security
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urge individuals to wait as
close to age 70 as possible
to start drawing their
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Check the Social Security
Administration’s Delayed
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page (http://www.ssa.
gov/retire2/delayret.htm)
for a discussion of how
and when to start taking
payments. Also keep in
mind that retirees married
10 years or longer who
have stayed single may be
entitled to Social Security
EHQH¿WVRQWKHLUH[
spouse’s record if they meet
certain requirements.
Be honest about new
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serious retirement shortfall
emerges after divorce, it’s
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priorities. That may mean
speaking with family
members about necessary
cutbacks in certain expenses.
It is important to have
retirement in the best shape
possible to avoid stress on
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Bottom line: The
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disruption caused by
divorce can make it easy
for newly single individuals
to neglect their retirement
planning. It is important
to seek advice and take all
necessary steps to keep
one’s retirement on track.
— Jason Alderman
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education programs. To
Follow Jason Alderman on
Twitter: www.twitter.com/
PracticalMoney
O So Kleen welcomes
new local employee
O So Kleen in Herm-
iston welcomed a new
team member, Johnny
Kayembe, recently. Ac-
cording to a press release,
O So Kleen owners are
pleased with the hire be-
cause Kayembe challeng-
es them to improve new
ideas,
professionalism
and customer service.
Kaymebe is described as
one of the “most honest
and friendly
people” by
his cowork-
ers. Kayem-
be, a carpet
cleaning
Kayembe t e c h n i c i a n
and water
technician journeyman, is
a Hermiston native who
enjoys traveling, playing
basketball, mixed-martial
DUWV¿VKLQJDQGSRRO
SEAN HART PHOTO
The Cell Fix owner Albin Presley stands in front of the many cell phone and tablet accessories at the business Monday. The Cell
Fix provides same-day repairs on phones, tablets and MP3 players.
THE CELL FIX
New Hermiston
business provides
same-day phone,
tablet repairs
BY SEAN HART
HERMISTON HERALD
Fixing a broken cell
phone can be much less
expensive than replacing
it, and a new business in
Hermiston can complete
many repairs the same day.
Owner Albin Presley said
he was excited to open The
Cell Fix in the Hermiston
Plaza. The business opened
Thursday, and Presley said
it’s already doing well.
Presley opened The Cell
Fix in La Grande a little
more than two years ago and
wanted to expand to offer
repairs in Hermiston.
“We just looked at ex-
panding the business and
with Hermiston being a
fast-growing town with a
lot going on and there be-
ing no repair business here,
we picked Hermiston,” he
said. “I think it’ll do great.
People walking in are hap-
py to have something in
town. I’m really happy with
what’s going on and the
amount of people we’ve got
coming in. I don’t think we
can do anything but grow
and get bigger.”
Presley said the location
near Subway in the Herm-
iston Plaza has a lot of foot
WUDI¿F DQG PDQ\ SHRSOH
have stopped in during his
¿UVWZHHNLQ+HUPLVWRQ2Q
Monday, he said the busi-
ness repaired four iPhones.
“We try and do same-day
repair on almost everything
we do,” he said.
The Cell Fix repairs
phones, tablets and MP3
SEAN HART PHOTO
The Cell Fix employee Brian Thomas, 27, Hermiston, repairs an iPhone 6 Monday at the new
business in the Hermiston Plaza. The Cell Fix is open from 10 a.m. to 7 p.m. Mondays through
Fridays and from 10 a.m. to 5 p.m. Saturdays at 824 S. Highway 395.
The Cell Fix
What: Same-day cell phone
and tablet repairs; accessory
sales; buy, sell and trade
used and reconditioned
cellphones and electronic
tablets
When: 10 a.m. to 7 p.m.
Mondays through Fridays
and from 10 a.m. to 5 p.m.
Saturdays
Where: 824 S. Highway 395,
near Subway in the Hermis-
ton Plaza
Contact: 541-303-1542,
www.thecellfix.com
players and buys, sells and
trades used and recondi-
tioned phones and tablets.
The business also offers a
wide variety of accessories,
including cases, cords and
batteries.
Presley said replacing
screens is the most frequent
repair.
“It’s just a matter of tak-
ing the phone apart and put-
ting it back together (with a
new screen),” he said. “Each
one’s a little bit different.
An iPhone 5 will cost about
$100. If you have to buy the
phone outright, you’re go-
ing to pay $500 or $600.”
Presley said The Cell
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damage, but, unlike other
repairs, he cannot guaran-
tee the results because the
extent of the damage varies.
He said people should con-
sult a repair shop with liquid
damage because other reme-
dies are less effective.
“The best thing to do is to
not turn it on, take the bat-
tery out, if possible, and take
it to a repair store as quick
as you can, so they can get
it taken apart, cleaned out
and dried out,” he said. “The
biggest fairy tale is putting it
in a bag of rice. It doesn’t
work. It doesn’t have the
ability to pull the moisture
out of the phone.”
Presley learned about re-
pairs at a school in Phoenix,
and he takes ongoing train-
ing online. He said he will
be training his three-person
staff during the next six
to eight months while the
Hermiston business is estab-
lished.
Presley, 58, said he en-
joys the new career he start-
ed a few years ago.
“I was a building contrac-
tor and got tired of traveling
all over for work,” he said.
“I researched businesses,
and this is the one we picked
as an up-and-coming busi-
ness. A lot of people don’t
know (cell phones) can be
¿[HG,W¶VEHHQIXQOHDUQLQJ
something new.”
The Cell Fix is open from
10 a.m. to 7 p.m. Mondays
through Fridays and from
10 a.m. to 5 p.m. Saturdays
at 824 S. Highway 395 in
the Hermiston Plaza.
BUSINESS BITES
Conagra Foods to host
hiring event
Job
opportunities
with
ConAgra Foods in Boardman
and Hermiston will be available
at a hiring event from 10 a.m.
to 3 p.m. Monday at the SAGE
Center, 101 Olson Road, Board-
man.
ConAgra Foods is hiring at
Hermiston and both Boardman
Lamb Weston potato plants,
Morrow Cold Storage and Watts
operators, lab technicians and
heavy laborers.
Event attendees should be
ready for interviews and must
also apply online at www.cona-
grafoodscareers.com.
Brothers Re-Pack Facility for
positions including general la-
borers, sanitation, lift truck op-
erators, ADR operators, hand-
packers, mechanics, packaging
HermistonHerald
VOLUME 109 ɿ NUMBER 24
JESSICA KELLER
EDITOR
jkeller@
hermistonherald.com
541-564-4533
Auction, sidewalk
sale Saturday
Elephants Trunk Antiques
will be hosting an auction, and
other downtown Stanfield busi-
nesses will be having sidewalk
To contact the Hermiston Herald for news, advertising
or subscription information:
• call 541-567-6457
• e-mail info@hermistonherald.com
• stop b\ our of¿ces at 333 E. 0ain St.
• visit us online at: www.hermistonherald.com
SEAN HART
REPORTER
smhart@
hermistonherald.com
541-564-4534
SA0 %AR%EE
SPORTS REPORTER
sbarbee@
hermistonherald.com
541-564-4542
sales from 8 a.m. to 4 p.m. Sat-
urday on Coe Avenue in Stan-
field.
Elephants Trunk will be auc-
tioning remaining inventory
and items included in the es-
tates of former owners Davie
Stephens and David Meyers be-
ginning at 10 a.m.
Chamber 101 session
planned
The Hermiston Chamber of
ANNUAL SUBSCRIPTION RATES
Delivered by carrier and mail Wednesdays and Saturdays
Inside 8matilla0orrow counties .........................$42.65
Outside 8matilla0orrow counties ......................$53.90
JEANNE JEWETT
MULTI-MEDIA CONSULTANT
jjewett@
hermistonherald.com
541-564-4531
Commerce will host a Cham-
ber 101 informational session
to explain how to maximize
member benefits from 3:30
p.m. to 4:30 p.m. Wednesday
at the Hermiston Conference
Center, 415 S. Highway 395.
The event is free for cham-
ber members and $20 for
non-members, who can learn
about the benefits of mem-
bership. For more information
or to R.S.V.P., call 541-567-
6151.
The Hermiston Herald (USPS 242220, ISSN 8750-4782) is published twice
weekly at Hermiston Herald, 333 E. 0ain St., Hermiston, OR 97838, (541)
567-6457, FAX (541) 567-1764. Periodical postage paid at Hermiston, OR.
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Herald, 333 E. 0ain St., Hermiston, OR 97838.
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KI0 LA PLANT
OFFICE COORDINATOR
klaplant@
hermistonherald.com
541-564-4530