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Mission Statement The Yucaipa Valley Chamber of Commerce is dedicated to promoting a vibrant business environment by cooperative interaction among business, government and community For more information, call (909) 790-1841 • Fax (909) 363-7373 35139 Yucaipa Blvd., Yucaipa, CA 92399 info@yucaipachamber.org 2015 Board of Directors Chairperson, Nancy Kenny Homestreet Bank Chair Elect, Lynnette Alvarado Wildwood Canyon Villa Past Chair, Jim Hammond Comfort Keepers Finance Vice-Chair, Jason Ross Law Office of Linda Roberts-Ross Directors Dr. Cheryl Marshall Crafton Hills College Jo-Ann Forsyth Forsyth & Associates Insurance Cheryl Benton Cheryl & Co. Valerie Menefee State Farm Insurance Jeff Dewan Edward Jones Financial Advisors CHAMBER STAFF Amy Minjares, President/CEO Ellen Benefiel, Membership Development Coordinator AMBASSADOR TEAM Cheryl Benton, Cheryl & Co. Pamela Brierley-Vengarick, Good Nite Inn Marlyn Crampton, Yucaipa Rotary Club Brandy Gomez, Law Office of Linda Roberts-Ross Nancy Kenny, Homestreet Bank Debbie Harber Dora Ordonez, Asaderos Supermarket Gene & Jo-Ann Forsyth, Forsyth & Associates Insurance William Ziprick, Ziprick & Cramer, LL Susie Jarvis, Alta Vista Credit Union Erica Miller, WIN Home Inspection Alex Miller, Big Mikes Plumbing Andy Blasquez, Century 21 Lois Lauer Danielle Marrufo, Century 21 Lois Lauer 20 OUR YUCAIPA | DECEMBER 2015 Message from the Chairperson By Nancy Kenny Good Morning Yucaipa • SETTING GOALS - I like to set goals, including my finances. Goals help me stay focused and disciplined. Sometimes I meet them, and sometimes I don't, but I'm every bit closer to the goal. • BUDGETS - Have you ever looked at your bank statement and wondered where it all goes? Are you broke on payday due to bills? No one likes a budget but it's a necessary evil. Write a budget and include long-term bills, like insurance, taxes and vacations. Pay down debt. • SAVING FOR A RAINY DAY - Budgets are necessary but what about the unexpected? No month's budget is exactly the same. You have to plan for a high expense month. You see you have an extra $240 in the account after all bills and necessities paid, what do you do? If you don't put this money away it will turn into impulse shopping. I hide my money from me, that's right. I have an account with a non-local bank/CU that is not easily accessible. I know it's there for the unforeseen expenses or emergencies, but for the most part, I just ignore this account. It works for me; find something that works for you. • KEEPING UP WITH THE JONES - Why? They are broke and in debt. We all know "that" family. They have the cars, toys, nicest home etc. We all want to live like the Jones, But seriously, ask them how they are doing and more than likely they'll tell you they are barely making it. Are you trying to compensate for something in your life? Figure it out and determine the priorities in your life, like family, education, career and quality of life not quantity of Stuff. • RETIREMENT - Maybe your only in your late 20s and retirement is so far away, or maybe you're in your 50s and retirement is a short term goal. It's never too early or late to plan for and invest in your retirement. We are never sure what will be available from Social Security or any other Government assistance funding, so plan for your own future. SETTING GOALS OR SAVING FOR A RAINY DAY At November's Good Morning Yucaipa! breakfast Crafton Hills President Dr. Cheryl Marshall and YCJUSD Superintendent Cali Binks gave a fascinating presentation regarding the education of Yucaipa's youth. Pictured are Dr. Marshall, Chamber President/CEO Amy Minjares and Cali Binks.