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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

Brought to you by Brandon & Malinda Kearbey of Dentists at Orenco Station, DENTAL HEALTH INSIDERS


BRANDON & MALINDA KEARBEY

Dental care and teeth used to be viewed primarily as an isolated system in your body, and almost as an elective or aesthetic procedure only. We now know that oral health is a “window into the health of the rest of your body.” The condition of your teeth and gums can and do affect your overall health on many levels.

“Oral health is extremely important,” said Brandon Kearbey, D.D.S. at Dentists at Orenco Station. “More studies keep coming out as to how dental health can affect all the systems of the body. One condition in particular that is consistently linked with overall health is periodontal disease, also known as gum disease. Many times patients don’t even know they have periodontal disease.”

Symptoms of periodontal disease can range from simple inflammation and bleeding of the gums to chronic bad breath to much more advanced symptoms, including loose teeth.

The bacteria that causes periodontal disease can spread and grow below the gum line. From there, the bacteria can get into the bloodstream, possibly creating or contributing to serious health problems in other parts of your body. Periodontal disease has been linked to heart disease, osteoporosis, and diabetes. Indeed, people with periodontal disease are twice as likely to have heart disease ~ the leading killer of men and women in the United States.

Dentists generally recommend having dental checkups and cleanings twice a year because good oral health is not only an investment in your smile, but also an investment in your entire body.

DENTISTS AT ORENCO STATION

1322 N.E. Oreonco Station Parkway, Suite 300

Hillsboro, Oregon 97124

503-640-4262

www.dentistsatorenco.com

 

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


TODD BARTH

Research conducted by Home Instead, Inc., indicates that as the number of prescription medications a senior takes increases, so do that senior’s potential health risks.

Nearly 20 percent of seniors surveyed taking five or more prescription medications have reportedly experienced challenges in managing their medication regimen ~ including keeping track of which medications they have taken and when. Making a mistake when taking medications can have devastating effects. The Centers for Disease Control & Prevention reports that 100,000 older adults end up in the hospital each year because of an adverse drug event.

“We take medication administration very seriously. Our goal at Home Instead is to give the community and our clients resources and educational opportunities to remain safe in their homes,” said Todd Barth, owner of Hillsboro’s Home Instead franchise. “Sometimes seniors think they are being diligent in consistently taking their medication, but in reality they get sidetracked and forget. Depending on the medication, this could seriously cause a health challenge or death.”

To provide families with resources to help identify potential pitfalls regarding medications for seniors, the Home Instead Senior Care network has introduced “Let’s Talk about Rx.”

Upcoming forums: April 6: 3 p.m.-4:30 p.m. Tips on Parkinson's, Avamere Retirement Community/Parkinson Support Group, 2400 Gable Rd., St. Helen's; April 9: 2 p.m.-3 p.m. Let's Talk About RX, Rosewood Park Retirement Community, 2405 S.E. Century Blvd., Hillsboro; April 19: 9:30 a.m.-Noon Fraud, Scams and Safe Medication Disposal, Calvary Lutheran Church, 58251 S. Division Rd., St. Helen’s. RSVP, 503-203-6724.

 

HOME INSTEAD SENIOR CARE

1400 N.E. 48th Avenue

Hillsboro, Oregon 97124

www.homeinstead.com

Brought to you by Linda Baker, RoseSprings Center for the Healing Arts - HEALING INSIDER -


Linda Baker, RoseSprings Center for the Healing Arts In a world that demands quick fixes for everything, we accept a medical system that seeks to provide instant results, prescribing pills for most any ailment and more than $2 billion yearly spent on commercials. Yet, if it really heals, why are doctor prescribing pills for life?

RoseSprings Center, located at 5215 N.E Elam Young Parkway, Suite A, in Hillsboro, doesn't follow the same model and offers a holistic approach to healing. It provides a complete approach to your health care, for long-term and natural healing.

Linda Baker, RoseSprings’ owner, explains: “We are a spiritual healing center that supports your healing on all levels ~ physical, mental, and emotional; providing alternative health care practitioners that seek to resolve the cause of pain instead of simply addressing the symptoms. We believe holistic healing is not an alternative to conventional medicine, but a complementary and necessary treatment for permanent result and ultimate health.”

When you walk through the doors of the RoseSprings Center, you find yourself supported by a peaceful and loving environment and a devoted staff.

“We are a service-oriented team that exists to be in service and to provide a safe community for like-minded people to heal, gather, grow, and learn from each other,” Linda said. “We seek to empower everyone to find within themselves their highest potential. With proper guidance, encouragement, and education, everyone can heal and thrive. We practice empowering energy medicine.”

RoseSprings Center

5215 N.E. Elam Young Parkway

Hillsboro, OR 97124

503.693.9101

www.rosespringscenter.com

Brought to you by the Dentists at Orenco Station, Brandon Kearbey, DDS and Malinda Kearbey, DDS - DENTAL INSIDERS -


THE DENTISTS AT ORENCO, Brandon Kearbey, DDS and Malinda Kearbey, DDSAre you aware that brushing your teeth after you eat is not the only vital step to take to battle cavities?

It seems to be a common misconception that as long as a toothbrush is used immediately after eating or drinking, it does not matter how often or what is eaten. On the contrary, the types of food we eat impact our teeth in critically differently ways.

Foods and drinks packed with sugars or carbohydrates are more likely to cause cavities. Additionally, “grazing”—eating frequently throughout the day makes a person much more susceptible to tooth decay.

What is one of the best things you can do to have healthier teeth? First, limit frequent snacking on food and drinks. Try to limit your consumption of food and drinks to meal times. Snacking should at least be minimized.

If snacking is necessary, try to choose foods—such as nuts, cheeses, and fresh vegetables—that are not as likely to cause cavities.

Keep in mind that even if you follow these suggestions, brushing and flossing still (and always) remain VERY important. We recommend brushing at least two times each day: once in the morning and once at night. The best time for flossing is when you are brushing at night. And remember: after your teeth are brushed and flossed at night, avoid any more food or drinks—with the exception of water—until morning.

The Dentists at Orenco

1322 NE Orenco

Station Pkwy, Suite 300

Hillsboro, OR 97124

503.640.4262

www.dentistsatorenco.com

Brought to you by Todd Barth, Home Instead Senior Care - ELDER CARE INSIDER -


HOME INSTEAD SENIOR CARE, Todd BarthAdult children and their parents often face serious challenges in conversing together about important issues of aging and life.

Research by the Home Instead Senior Care® network confirms that 68 percent of families wait too long to begin discussing and planning for end-of-life issues, unnecessarily making them vulnerable to uncertainty, family fights, and even legal disputes.

The research further shows that while many of these families think they have had adequate and timely conversations about finances, living choices, and health, these families are generally being overly optimistic about the quality of their communications and their preparedness.

“One of the greatest issues we find when interviewing families for home care is navigating around the difference of opinions,” said Todd Barth, owner of the Home Instead Senior Care franchise in Hillsboro. “Senior parents often want to age in place, adult children want their parents to be safe and want them to move into retirement communities thinking someone will be watching over their loved ones. This often causes great tension, and that is why home care is so amazing. It serves both the parent and the adult children’s desires for safety, peace of mind, and aging in place in the home of the parents’ choosing.”

To prompt families to start these conversations, Home Instead Senior Care will sponsor a March 3 workshop at 5:30 p.m. at 1400 N.E. 48th Street, Suite 107, in Hillsboro. Because seating is limited, please call 503-530-1527 for reservations.

Todd Barth

Home Instead Senior Care

1400 N.E. 48th Ave.

Hillsboro, OR 97124

503.902.9987

www.homeinstead.com


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