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Brought to you by Dave DeSemple, Vice President and Chief Operations Officer for Premier Community Bank, BANKING INSIDER


DAVE DESEMPLE

By Dave DeSemple, Senior Vice President and Chief Operating Officer

Social engineering refers to the methods attackers use to manipulate people into sharing sensitive information, or taking an action, such as downloading a file. When email is utilized, it is known as “Phishing.”

So how can you protect yourself? First and foremost, you should utilize a spam filter, keep all of your systems patched and your anti-virus software up to date, and home users should enable the auto update feature. However, even with updated systems, the best defense to phishing is YOU. You should always be suspicious of unsolicited emails. Only open email attachments if you are expecting them and know what it contains. Be cautious about container files, such as .zip, as they may contain malicious content. If you are vigilant, and watch for warning signs of a phishing email, you can minimize your risk of falling for one.

Phishing emails may include messages from companies you don’t have accounts with; contain spelling mistakes; messages from the wrong email address; generic greetings; and unexpected messages with a sense of urgency designed to prompt you into responding quickly without checking the facts. Common examples include an email appearing to be from the “fraud department” of a company that asks you to verify personal information because they suspect you may be a victim of identity theft, or an email from the CEO of your company requesting that you wire some money right away to pay a large expense. There are many others, so remember: Always think before you click.

PREMIER COMMUNITY BANK

314 E. MAIN STREET

HILLSBORO, OREGON 97123

503.693.7500

www.pcboregon.com

Brought to you by Brandon & Malinda Kearbey, owners of Dentists at Orenco Station, DENTAL CARE INSIDER


BRANDON & MALINDA KEARBEY

One of the easiest and most popular ways to improve your smile is through bleaching. It seems as though everyone has a theory of what works best. But how do you know what works, and even more important, how do you know what methods are safe and healthy for your teeth?

A quick internet search will leave you with many interesting options: lemons, strawberries, baking soda, charcoal, coconut oil, and apple cider vinegar are frequently noted. However, these methods are not only ineffective, they can be very damaging. Many of these products ~ i.e. lemons and vinegar ~ are highly acidic, and with continuous use can cause serious damage to your teeth.

Many toothpastes and even mouthwashes will advertise that they will whiten your smile, but often they are typically more abrasive, potentially causing sensitivity and wear.

Traditional bleaching products are effective, and when used correctly they are very safe for your teeth. Over the counter products such as bleaching strips are also effective and safe. When choosing, look for the “ADA (American Dental Association) approved” symbol on the packaging. This guarantees that it follows the leading safety guidelines.

To attain an even whiter smile, talk to your dentist about professional strength products they can provide. There are many options, from take-home systems to in-office treatment, depending on your specific goals. Prior to bleaching, we recommend that you have regular dental care, as certain conditions make bleaching not recommended or less effective.

DENTISTS AT ORENCO STATION

1322 N.E. ORENCO STATION PARKWAY

SUITE 300

HILLSBORO, OREGON 97124

503.640.4262

www.dentistsatorenco.com

Brought to you by Todd Barth, owner of Home Instead Senior Care in Hillsboro, SENIOR CARE INSIDER


TODD BARTH

A recent national study sponsored by the Home Instead Senior Care network reveals an inability of many siblings to effectively work together to care for their aging parents. This situation often leads to one sibling becoming responsible for the bulk of caregiving, which in turn can result in a deterioration of sibling relationships.

Sibling relationships and caregiving quality both can suffer when there are not effective family processes in place to help brothers and sisters make successful decisions, equitably divide the workload, and build a caregiving team.

“This is a huge problem in America,” said Todd Barth, owner of Hillsboro’s Home Instead franchise. “Recently I spoke with a woman who has chosen to quit her job and take care of her mother full-time. She does have siblings, but they are either not willing or not able to help. The concern, fear, and heavy burden of decision showed heavily on her face.”

To address this critical issue, Home Instead has developed the “50-50 Rule,” named for the average age when siblings are caring for their parents (50), as well as the need for brothers and sisters to equitably share responsibilities (50/50).

In June, Home Instead will bring in Mark Duhrkoop from Genesis Life Transitions, who will provide interactive tools to help transform difficult conversations. The workshop, free and open to the public, will start at 5:30 p.m. on Thursday, June 23, at the Home Instead office in Hillsboro, 1400 N.E. 48th Street, Suite 107.

Space is limited. Please RSVP to 503-530-1527.

HOME INSTEAD SENIOR CARE

1400 N.E. 48th AVENUE

HILLSBORO, OREGON 97124

503.902.9987

www.homeinstead.com

Brought to you by Linda Baker, owner of RoseSprings Center, HOLISTIC HEALING INSIDER


LINDA BAKER

If you find yourself in disbelief and disillusioned over the political scene and world affairs and wonder where we are heading, it may be a good time to approach life from a different perspective.

These are the times when we are given an opportunity to reflect on what is truly important in life and to discover our own true identity and balance. Do you let the world define you, or do you move closer to your core, which is the only truly safe place to call home?

It is a time for decisions, and we offer a safe place to build yourself anew, based on unconditional love and unity consciousness. When you find your core, through Sacred Wisdom Studies and guidance, you are not affected by the shifting winds of circumstances or subject to the cycles of change that govern physical reality. Your physical reality is not the eternal and true part of who you are, but rather you are eternal beings, sparks of a divine infinite potential, sovereign and creators of your own reality; responsible, conscious participants in your experiences.

Sacred Light Academy offers a new understanding that will open your mind to a whole new paradigm, with Sacred Wisdom Studies and tools that will allow you to access your own guidance and forgotten knowledge. We offer empowerment. Some of the teachings might be challenging to the mind, but your spirit will soar with joy and peace and affirm that you have found your home.

ROSESPRINGS CENTER

5215 N.E. ELAM YOUNG PARKWAY

HILLSBORO, OREGON 97124

503.693.9101

www.rosespringscenter.com

Brought to you by Victoria Webster, owner of Tory's Place, FASHION INSIDER


VICTORIA WEBSTER

The wedding invitations will soon be arriving, and you may be wondering what to wear. Generally, warm-weather attire is inherently more casual than winter wardrobes ~ but it is still a wedding. Here are some ideas for outfits that are appropriate for the season as well as the occasion.

Afternoon Wedding: Daytime weddings call for dresses that are feminine and polished in a delicate floral print or a muted color. If it’s not too hot, consider a light duster coat in a light fabric such as silk or lace. Keep any accessories clean and simple. AVOID white or any color close to it! This is the bride’s day!

Beach Wedding: Embrace dresses in airy fabrics and fun patterns that compliment skin tone. Look to hues like cobalt blue, yellow, coral, and pink. Turquoise jewelry is the perfect finishing touch. If you’ll be walking on sand, ditch the heels and choose embellished flat sandals or a pair of festive wedges. For warmth, choose a sweater or wrap in a bright color or a neutral if your dress is on the busier side.

Evening Wedding: Yes, a black dress is fine, but make sure to add some detail or lace, or accessorize with jewelry or a bit of color. A pattern is fine, but not too much floral. Avoid dresses that are too short or necklines that are too low ~ or anything that might draw attention away from the bride.

Most important: Be comfortable, and dress for the weather forecast!

TORY'S PLACE

2015 19th AVENUE

FOREST GROVE, OREGON 97116

503.858.0635

www.torysplace.com

Brought to you by Dan Wahlin of Premier Community Bank, COMMUNITY BANKING INSIDER


DAN WAHLIN

By Dan Wahlin, senior vice president/commercial banking

I have often heard the saying, “the only time I am able to obtain a loan from a bank is when my business does not need it.” 

This saying does have an element of truth, as banks are very risk-averse. However, if the borrower understands how a commercial lender approaches evaluating the risk associated with the loan, your chance of success improves. When it comes to lending money, a banker needs to be right 99 percent of the time.

As a result, bankers are very conservative. Obtaining a loan from a bank is typically the least expensive option, but as a result a bank will take the least amount of risk. There are numerous options for businesses to obtain financing ranging from friends and family; venture capital firms or partners; asset based lenders; leasing companies; and then a bank loan, which is the most cost-effective way of obtaining financing.

Commercial lenders approach a loan request utilizing the five “Cs” of credit:

Capacity: How is the loan going to be repaid?

Capital: Have you put your own money into the venture?

Collateral: What assets do you have to support the loan request?

Conditions: What will you do with the money? 

Character: What is your reputation within the industry and have you historically paid your bills on time?

By presenting a commercial lender with a business plan that addresses the five “Cs,” you will dramatically improve your odds of obtaining a loan from a bank.

PREMIER COMMUNITY BANK

314 E. MAIN STREET

HILLSBORO, OREGON 97123

503.693.7500

www.pcboregon.com

Brought to you by Linda Baker, owner of RoseSprings Center in Hillsboro, HEALING INSIDER


LINDA BAKER

Sacred Light Academy at RoseSprings Center is a new school of light and Sacred Wisdom Studies for the awakening soul and the spiritually hungry. At the Sacred Light Academy you will find community, learn, grow, share, meet other like-minded people, and explore the new possibilities of a spiritually-led life.

If you find yourself waking up each morning reliving the same day, day after day, feeling life as mundane, without meaning or purpose, then it’s time to make a change! We are, after all, spiritual beings having a human experience. Your Spirit, the little piece of the Divine within yourself, is what brings joy and purpose in your life ~ and without that connection to your Divine Spirit, your human experience may appear more challenging.

Not following your true purpose can develop into chronic pain and depression. It is a longing for something more than ~ in fact you are more than ~ your job, or the role you play in society. You can be a being of infinite possibilities. Limitless!

Here at Sacred Light Academy, you will find answers to your questions; a new understanding; and ultimately experience coming home to yourself. You will know what it means to live a conscious life that is whole and joyful. Students will be inspired and strengthened through the collective wisdom of seeking a greater understanding of the spiritual meaning of life and be guided to empowerment.

To learn more about Sacred Light Academy, call the RoseSprings Center at 503-693-9101.

ROSESPRINGS CENTER

5215 N.E. ELAM YOUNG PARKWAY

HILLSBORO, OREGON 97124

503.693.9101

www.rosespringscenter.com

Brought to you by Todd Barth, owner of Home Instead Senior Care in Hillsboro, SENIOR CARE INSIDER


TODD BARTH

Do you remember “the talk” when you were 16 and Dad was handing over the keys so you could take your first ride? Remember the exhilaration and sense of freedom you had when you were behind the wheel by yourself? Well, now imagine your Dad or Mom getting to the point where they need to hand their car keys over to you. They are naturally stressed about this perceived loss of freedom and independence.

Many older adults rely heavily on the automobile. Driving represents the ability to maintain connections, contribute to the community, and participate in meaningful activities. But older drivers are more likely than younger drivers to suffer serious injuries or die when involved in a car crash, because older drivers do not have the same ability to absorb impacts and recover from injury.

With these factors in mind, Home Instead Senior Care encourages children and their aging parents to have honest conversations on this topic. We encourage family members to be brave enough to keep their senior loved ones safe from harm. Home Instead is not about our seniors losing their freedoms; it’s just the opposite.

“We are all about keeping seniors safe, and bringing peace of mind to the family at large,” said Todd Barth, owner of the Home Instead franchise in Hillsboro.

An upcoming educational workshop, “Improving Communication with Aging Parents,” will address this issue. The workshop will be held May 18 at 5:30 p.m. at 1400 N.E. 48th Ave., Suite 107, in Hillsboro.

HOME INSTEAD SENIOR CARE

1400 N.E. 48th AVENUE

HILLSBORO, OREGON 97124

503.902.9987

www.homeinstead.com

Brought to you by Brandon & Malinda Kearbey, owners of Dentists At Orenco Station, DENTAL CARE INSIDERS


BRANDON & MALINDA KEARBEY

Cosmetic dentistry is a catch phrase, but what does it really mean? The phrase can include procedures as simple as a small filling to one tooth, to bleaching to change the shade of the teeth, to extensive items such as braces and full-smile makeovers.

There are multiple options and ways to approach cosmetic dentistry, but the key is that the procedures are customized to fit the desires and needs of the individual patient. However, it is important to remember that whatever cosmetic dentistry is desired, your dentist should evaluate how it fits in your face and how it fits with how you function every day ~ i.e., eating, talking, sleeping, etc.

Those interested should seek a dentist with education in cosmetic dentistry specifically; a dentist who takes the time to listen to your end goals; and a dentist you feel comfortable with and can communicate with.

Drs. Brandon Kearbey and Malinda Kearbey are committed to continuing education, particularly through SPEAR ~ an organization that helps guide dentists dedicated to the pursuit of clinical excellence in dentistry. Brandon and Malinda are also part of the Spear Faculty Club, which highlights their passion to continuing education and advanced cosmetic and reconstructive dentistry.

Cosmetic dentistry is an exciting field full of possibilities and beautiful results. There have been many advances in techniques and materials in the last decade! If changing your smile is something you’ve considered, there is no better time to consult and learn the potential.

DENTISTS AT ORENCO STATION

1322 N.E. ORENCO STATION PARKWAY

SUITE 300

HILLSBORO, OREGON 97124

503.640.4262

www.dentistsatorenco.com

Brought to you by Todd Barth, Home Instead Senior Care, SENIOR CARE INSIDER in Hillsboro


TODD BARTH

Home Instead Senior Care began by serving a handful of families in Omaha, Neb. Since then, the Home Instead network has grown to more than 1,000 franchises across the nation and around the globe.

The Hillsboro/Columbia County office has a unique culture of caring, empowering, and educating their caregivers. The love of our seniors and how their lives and the lives of their families are enhanced is important to us. All Home Instead caregivers go through ongoing, comprehensive training, educated on the practical aspects of aging, how to assist with personal care, grooming, medication administration, and home safety. With opportunities to grow their skills to assist in the most elder years of life changes, dementia, and end of life care.

Home Instead of Hillsboro provides pay level increases, benefits package, and great personal support. We see our caregivers as professionals building trust, taking the lead, and sharing from their heart.

“We encourage our caregivers to establish rewarding one-on-one relationships with seniors and their families,” said Todd Barth, owner of Hillsboro’s Home Instead franchise.

If you have a heart for seniors and want to be part of a dynamic organization, our office is hiring caregivers. Go to: HYPERLINK "www.homeinstead.com/606/home-care-jobs" www.homeinstead.com/606/home-care-jobs

Upcoming events: April 11: Meet the Employer, at the Goodwill Job Connection Office, 966 S.E. Oak Street in Hillsboro, 1 p.m. to 3 p.m.; April 22: First annual Project Employment Connect, at Sonrise Church, 6701 N.E. Campus Way in Hillsboro, from Noon to 4 p.m.

HOME INSTEAD SENIOR CARE

1400 N.E. 48th Avenue

Hillsboro, Oregon 97124

503-530-1527

www.homeinstead.com

Brought to you by Linda Baker of RoseSprings Center in Hillsboro, HOLISTIC HEALING INSIDER


LINDA BAKER

Are you in the midst of pain and crisis, wondering what life is all about or what your purpose in being on Earth is? 

It was January 2013, when Awakening Counselor Veronique Nelson ~ who had moved to the United States from France after getting married ~ found herself divorced and alone, with no family or friends to offer help or guidance.

She heard about a meeting group of supportive and nurturing women being offered at RoseSprings Center, and, feeling almost hopeless, Veronique went for the first time.

“I walked through the door and people picked up on how low I was,” Veronique recalled. “It was exactly what it was advertised as ~ it was a group of women taking time to support each other. I didn’t have that in my life, and it was just what I needed. I didn’t know there were actually places that were spiritual like this.”

RoseSprings Center offers a free care consultation, and Veronique, who advocates for alternative holistic healing, including energy healing such as Reiki and Pranic Healing, encourages people to take advantage of the opportunity for transformational healing, both physical and spiritual.

“Anyone who walks through our door will be directed toward what’s best for them,” she said. “And I know they will leave with something positive.”

To schedule an appointment with a Care Coordinator or any of the holistic care practitioners at RoseSprings Center, call (503) 693-9101.

ROSESPRINGS CENTER

5215 N.E. Elam Young Parkway

Hillsboro, Oregon 97124

503-693-9101

www.rosespringscenter.com

 

Brought to you by Annette Merrill, Vice President and Business Development Manager at Premier Community Bank, BANKING INSIDER


ANNETTE MERRILL

Like many financial products, determining FDIC insurance coverage for a person, family, or business can be confusing. While it is believed by many that a single depositor has only $250,000 available in FDIC insurance at any given financial institution, insurance can go well beyond that, depending on how the deposits are structured. 

The FDIC recognizes three distinct deposit ownership categories, and an individual can participate in all three simultaneously. 

Single Ownership. Owner A has an individual account with $250,000 FDIC insurance; Owner B has an individual account with $250,000 FDIC Insurance.

Joint Ownership. Owner A and Owner B have a joint account, and each have $250,000 in FDIC insurance for a total of $500,000 in this account.

Informal or Formal Trust Accounts. The FDIC insurance is dependent on the number of owners and the number of beneficiaries associated with the account.  If Owner A and Owner B have a trust and they have two beneficiaries (Beneficiary A, Beneficiary B) the account is insured up to $1,000,000. Each beneficiary is allowed $250,000 of FDIC insurance per owner.

It is possible to use all three of the scenarios above to maximize your FDIC insurance with your financial institution. Talk to your banker about your financial objectives, and they will be able to help you make the most of FDIC insurance.

Whether you are a consumer or a business, when it comes to FDIC insurance, getting accurate information is important, so feel free to ask an FDIC expert at Premier Community Bank.

PREMIER COMMUNITY BANK

314 E. Main Street

Hillsboro,Oregon 97123

503-693-7500

www.pcboregon.com


Hillsboro's Opinions

May 26, 2016

Our Opinion: Gross receipts tax would only hurt those it aims to help

by Editorial Board
A new analysis by state economists should make public employees think twice about the harm they’d do to low-income Oregonians if the…
May 27, 2016

What's going on with voter registrations?

by (none)
On a local radio program, I heard three callers say that for unexplainable reasons they were sent voter pamphlets and/or ballots as…
May 26, 2016

Oregon lawmakers should take cue from Florida's Sunshine Laws

by John Sepulvado
In elementary school, Franklin Weekley was diagnosed as “mentally retarded.” He was slow to learn, but quick to act out on impulse.…


May 25, 2016

Tax would hurt those it aims to help

by Editorial Board
A new analysis by state economists should make public employees think twice about the harm they'd do to low-income Oregonians if the…
May 22, 2016

Board members: speak for yourself

by -
A troubling trend has been simmering on the back burner of our minds here in the newsroom: it seems there’s a very open and concerted…
May 21, 2016

Death's 'gossamer blanket' doesn't cover loss

by Nancy Townsley
In the pre-dawn quiet three years ago this May 30, after my father told me over the phone that my mother had just died, I cried tears…
May 20, 2016

Oregon Lottery brings good luck to no one, should be eliminated

by James Maass
While I am never happy to see someone lose their job, Governor Kate Brown did the right thing in releasing Jack Roberts from his…
May 13, 2016

Will wishful mass transit thinking doom the Westside Bypass again?

by Walt Hellman
The Westside Bypass, the planned road that was to mirror I-205 on the west side of I-5 and bypass Portland traffic, was dropped in the…
Tyler Francke
May 12, 2016

Four reasons you should be a voter this year

by Tyler Francke
In 1964, 96 percent of registered voters came out to the polls on Election Day to participate in what would be one of the greatest…
May 12, 2016

Return Schouten and Rogers to county board

by (none)
Washington County prides itself on being known as the economic engine of Oregon, and in this era of ever-speedier communication and…
May 12, 2016

Letters to the editor

by -
Vote Bernie: send a message to the establishment Whatever happens in the race for the Democratic candidate for President, a vote for…
May 06, 2016

Vote Devlin for secretary of state

by Editorial Board
When Democrat Barbara Roberts was sworn in as secretary of state in January 1985, it ended a 106-year run of Republicans holding the…
May 06, 2016

Trade agreement helps countries stay competitive

by Tekle Sebhatu
As economies of countries increasingly become more interconnected and interdependent, the Free Trade Agreement (FTA ) is becoming a…
May 06, 2016

Letters to the editor

by -
Snyder ‘consummate professional’ I was saddened to read the North Plains City Council intends to remove their Police Chief by not…
April 29, 2016

Letter to the Editor

by Kathy Fuller
U.S. cannot afford another Democratic administration After eight hellish years, we are finally getting rid of Obama and his ego. Eight…
April 28, 2016

Our Opinion: Allen Alley the choice in GOP primary

by Editorial Board
In a year when many moderate Republicans in Oregon are worried about the two men leading their party’s presidential delegate derby,…
April 28, 2016

Taxpayers must be protected from hackers and crooks

by Sen. Ron Wyden
U.S. Sen. Ron Wyden (D-Oregon) made the following statement at the April 12 Finance Committee hearing on cybersecurity and protecting…
April 22, 2016

Letters to the Editor

by -
One bookstore, 100,000 people: sad for Hillsboro With the closure of Jacobsen’s Book Store, Hillsboro is left with one bookstore, The…
April 22, 2016

County voters should approve 911 measure

by -
If you’ve been paying attention at all, you know that it’s almost election time. In this case, we’re not talking about the…
Porter
April 22, 2016

Board not elected to make health care decisions for students

by Lori Porter
Should the Hillsboro School District be making decisions about who can touch your minor child’s body? The Hillsboro School Board (HSB)…

Don't miss the local news

Apr 14, 2016

Community support rises in wake of tragedy

by -
It has happened so many times before, after so many untimely deaths. When tragedy strikes in western Washington County, people respond…
Apr 13, 2016

'Greedy industrialists' foist toxins on us

by Jim Conroy
Accidental discovery of toxic chemicals and metals in Portland prompted this comment from recently resigned Oregon Department of…
DALE FEIK
Apr 13, 2016

Intel should apply for toxic-emissions permit

by Dale Feik
This is an open letter to Brian Krzanich, CEO of Intel. I read many kind and sometimes critical remembrances of Andy Grove‘s…
Apr 07, 2016

Letters to the Editor

by -
What will South Hillsboro project cost taxpayers? I have just finished reading your article concerning this project. I did not find…
Apr 06, 2016

Lawmakers give lip service to transparency

by -
This coming July 4th, the nation will celebrate not only its 240th birthday, but also the 50th anniversary of the signing of the…
Lynn Harris
Apr 01, 2016

Parents should decide what's best for teens

by Lynn Harris
Not surprisingly, the four high school students who spoke at the Hillsboro School Board meeting on Tuesday, March 15, were in favor of…
Gideon Barnes
Mar 31, 2016

A kid's view of the Bernie rally

by Gideon Barnes
I was one of the estimated 11,500 people at the Bernie Sanders rally on Friday, March 25, at the Moda Center in Portland. I’m a…