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The 2017 posters are in, so pick up your order today. California employers and businesses are re- quired to post updated em- ployment posters at their places of employment. Please note that there are changes to the poster and all employers will need to have the 2017 poster in or- der to be compliant with the law. All employers and busi- nesses are reminded that the 2017 employment poster, which contains all state and federal em- ployer notices, is available through the Red Bluff-Te- hama County Chamber of Commerce office. The poster contains all required employer notices on one poster and includes a checklist to ensure poster is displayed according to law. The poster is pro- duced by the State Cham- ber and made available to local chambers. Cost for the 2017 poster is $26.99 for paper and $38.99 laminated, plus tax. Con- sider adding Poster Protec- tion — $16 non-laminated, $26 laminated — for free updated posters on any law changes during 2017. Contact the chamber at info@redbluffchamber.com or 527-6220 to order yours today. Hostssought Host sites are needed for 2017 Good Morning, Red Bluff calendar. Good Morning, Red Bluff, the very popular chamber networking event, is seek- ing business member hosts for 2017. It takes place on the last Thursday of each month. Chamber members in- terested in hosting a meet- ing are encouraged to call 527-6220 ext 301 or write to jason@redbluffcham- ber.com. Preference will be to busi- nesses who have not hosted in the last 18 months. REDBLUFFCHAMBER 2017 employment posters are available We're just about ready to open the door to 2017, so you might be thinking about some New Year's resolutions. What's on your list this year? More visits to the gym? Learning a new lan- guage? Mastering the perfect beef bourgui- gnon? All worthy ambi- tions, of course, but why not also include some fi- nancial resolutions? By reviewing your needs and goals, you can identify some resolutions that are particularly rel- evant to your own situa- tion. But here are a few suggestions: Build an emergency fund. If you needed a ma- jor car repair or a new furnace, or faced some other large, unantici- pated expense, could you cope with it? If you didn't have the money readily available, you might have to dip into those invest- ments intended for long- term goals, such as retire- ment. Instead, build an emergency fund contain- ing three to six months' worth of living expenses, kept in a liquid, low-risk account. Cut down on debts. It's not easy to cut down on one's debt load. But if you can find ways to reduce your debts, you'll help im- prove your overall finan- cial picture. Many debts are not "useful" — that is, they don't carry any tax advantages — so ev- ery dollar you spend to pay down those debts is a dollar you could use to in- vest for your future. Boost contributions to your retirement plan. If your employer offers a 401(k) or similar retire- ment plan, take full ad- vantage of it. Your earn- ings have the potential to grow tax deferred and your contributions may lower your taxable in- come. Plus, most plans offer a selection of in- vestment options, so you can choose the invest- ment mix that fits your objectives and risk toler- ance. Therefore, if your salary goes up this year, or if you think you can find other ways to free up some money, increase your contributions to your retirement plan. Review your portfolio. Is your investment port- folio still on track toward helping you meet your long-term goals? If not, you may need to make some changes. You'll also want to study your invest- ment mix to make sure it still accurately reflects your risk tolerance. Over time, and often without your taking any signifi- cant actions, your portfo- lio can "drift" to a place where you are taking on too much risk — or even too little risk — for your needs and long-term ob- jectives. If this happens, you may need to "rebal- ance" your holdings. Avoid mistakes. None of us can avoid all mis- takes, in life and in our investment activities. But as an investor, you'll clearly benefit from min- imizing your errors. For example, it's generally a mistake to jump out of the market in response to a period of volatility. If you wait for things to "calm down" before in- vesting again, you might miss out on the opportu- nity to participate in the next market rally. Think long term. Keep this in mind: You're not investing for today or to- morrow, but for many years from now. Try to keep a long-term focus when making all your key investment decisions. By doing so, you can avoid overreacting to short- term developments, such as a sudden drop in the market or a "momentous" political event that actu- ally decreases in impor- tance as time goes by. Try to follow these fi- nancial resolutions as best as you can. You could make 2017 a year to remember. Thisarticlewaswritten by Edward Jones for use by your local Edward Jones Financial Advisor. Tyler Smail is a financial advisor for Edward Jones, his office is located at 733 Washington St. in Red Bluff. He can be reached at 529- 3627 or tyler. smail @ edwardjones.com. FINANCES ConsidersomeNewYear's financial resolutions Taylor Smail Showcasing their ability to excel in high-level profes- sional sales, four California State University, Chico Col- lege of Business students walked away with cash prizes following the recent Sweet 16 Sales Challenge, a student sales competition. Prizes were awarded to the top four Business Ad- ministration students: 1st Place, John Roeckl-Navazio, $500; 2nd Place, Max Dick- stein, $375; 3rd Place, Avery Wolfe, $250 and 4th Place Austin Burback, $125. The Sweet 16 competi- tion placed 16 CSU, Chico students in a 12-minute long role play scenario re- quiring each student to convince an employee from a mock engineering com- pany that needs engineers to enter a contract with the Aerotek employee staff- ing agency to supply those workers. The students' role- playing efforts were live- streamed to corporate rep- resentatives from 24 com- panies who were stationed in nearby rooms in Glenn Hall and served as judges. The event is designed to give companies a "sneak peek" at talented business students they might want to later recruit, while giv- ing students the opportu- nity to fine-tune their pro- fessional sales skills. The 16 students—who had advanced through several other University- only competitions to reach last week's Sweet 16 event— are among the 88 students enrolled in an upper-level marketing course, "Strate- gic Personal Selling." Efforts such as the Sweet 16 and the business school's Seufferlein Sales Program have helped place CSU, Chico in the vanguard of U.S. universities that of- fer scholarship and applied learning to prepare the next generation of sales talent. Early last year, Chuck Seufferlein (BS, Business, '74), the 2004 Distinguished Alumnus for the College of Business, gave the college a six-figure gift to revamp a portion of Glenn Hall to ac- commodate the growing in- terest in sales by students. CSU, Chico's College of Business has offered a 21-credit Professional Sales Certificate since 2008. More than 100 students have applied to be involved in the sales program for the upcoming academic year, a rise from 70 students dur- ing 2015, said Tim Heinze, executive director of the Seufferlein Sales Program and associate professor of marketing. The number of corpo- rate partners—companies that provide employment for program graduates and funding and other assis- tance for program opera- tions—is also on the rise. CSU, Chico's sales pro- gram recently partnered with IBM, representing the technology giant's first of- ficial partnership with any university-based sales training program in the U.S., said Heinze. All this comes amid re- search from global employ- ment consultancy Man- power last year that found that sales positions remain among the hardest for com- panies to fill, while other studies indicate the aging of the sales workforce is expected to create a glut of open sales positions in the next few years. CHICO STATE Business students take top prizes at sales challenge Patients who are experi- encing worn hip and knee joints, especially those who are more mature, now have an orthopedic surgeon to help them find the best treatment. Dr. Michael Manning specializes in hip and knee arthroscopy, and works with patients to discover whether non-surgical treat- ments may still represent a way forward, or whether surgery provides the most hope to get moving again. Manning received his Doctor of Osteopathy from Touro College of Osteo- pathic Medicine in Vallejo and did his internship and orthopaedic surgery resi- dency at UMDNJ in Strat- ford, New Jersey where he was also Chief Resident. He brings his considerable ex- perience in joint replace- ment and his work with advances in surgical tech- niques and implant design to Dignity Health. "I believe that patients should be educated regard- ing their diagnoses and treatment options to make sound decisions regarding their care," Manning said in a press release issued by Dignity. "As a surgeon, I also have a clear understanding that in many instances sur- gery is not the best option to relieve their pain. 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