BUSINESS & AG LIFE
B2 — THE OBSERVER & BAKER CITY HERALD
THURSDAY, DECEMBER 16, 2021
SILVER
LOANS
Continued from Page B1
Continued from Page B1
an inch wide.
“It’s like a jackhammer
only it’s a lot smaller,” he
said.
Most of the polishing,
he said, happens before it’s
engraved.
He does that “on a back
porch on our house. I have
a shop where I do the
buffi ng,” he said. “It’s really
dirty and causes a mess.”
Mallory also has leather
items made that he spruces
up with silver.
He has headstalls and
spur straps made at Ray
Wilson Saddlery in Joseph.
“He does most of my
leatherwork and I just doctor
it up,” Mallory said.
producers with losses
not covered by federal
programs,” said Megan
Kemple, director of policy
advocacy for the Oregon
Climate and Agriculture
Network nonprofi t.
Farmers with gross
incomes of less than
$500,000 will qualify for
loans of up to $125,000
under the bill. The loan
money cannot increase
their total income beyond
90% of the three-year
average they earned in
2017, 2018 and 2019. Due
to volatility associated
with the coronavirus out-
break, 2020 was excluded
from the calculation.
Rep. Jami Cate,
R-Lebanon, objected to
the limits of $500,000
on gross income and
$125,000 in loan
amounts, arguing that
larger farms are still fam-
ily-owned “mom and pop
businesses.”
When their expenses
are in the millions of dol-
lars, farmers must also
have revenues in the mil-
lions, Cate said before
the House fl oor vote.
“Having bigger farms or
It’s not cheap
Mallory takes pride in
his work, and acknowledges
that his fi nished pieces can
cost a lot. He said a set of
INCOMES
Continued from Page B1
suff ered fewer job losses
than its urban centers.
That’s in large part because
they’re less reliant on leisure
and hospitality jobs that
were clobbered by waves of
pandemic shutdowns.
Incomes rose fastest in
Gilliam and Morrow coun-
ties, both up more than 20%
last year, and most slowly in
Washington and Clackamas
counties, up 6%. Incomes
in Multnomah County, the
state’s largest, rose by 8%.
LAWSUIT
Continued from Page B1
— suggesting there is
nothing dam operators can
do to meet the target.
While the lawsuit does
not specifi cally mention
breaching dams, Miller said
unachievable temperature
standards could be used as a
Bill Bradshaw/Wallowa County Chieftain
Silversmith Don Mallory of Flora shows some of his silver wares at
the Veterans of Foreign Wars Christmas bazaar Friday, Dec. 3, 2021,
in Enterprise.
spurs go for about $800
for ones with an overlay
and $1,100 for ones with
an inlay, since they require
about twice the work. Bits
are around the same price.
Earrings, he said, go for
$20-$50 a set. Bracelets
start at about $65, topping
out at about $150 for one
made of 16-gauge sterling
silver.
Still, he said, it’s not a big
moneymaker.
“I don’t make enough off
this silver stuff to justify a
living,” he said. “It’s just a
hobby.”
A narrower measure
of income, wage growth,
shows a similar picture
over the past decade. Erik
Knoder, regional economist
for the Oregon Employ-
ment Department, fi nds
that wages grew in every
one of the state’s counties
between 2010 and 2020 by
an average rate of 22% —
even after accounting for
infl ation.
The average Oregon
worker earned nearly
$60,000 last year, according
to Knoder, $11,000 more
than the average worker
earned in 2010.
Klamath, Harney and
Curry counties reported the
slowest growth, between
10% and 12%. Knoder notes
that Klamath County lost
jobs in the relatively well-
paying sectors of manufac-
turing, fi nance and profes-
sional services.
Growth was fastest in
Sherman, Morrow and
Hood River counties,
ranging from 32% to 56%.
Knoder said that construc-
tion and manufacturing
expended in Sherman and
Morrow counties, creating
more professional jobs that
support that work.
mechanism to further argue
for dam removal.
“I think it gets at the moti-
vation they’re going for,” he
said.
Scientifi c research into
the eff ect of dams on river
temperatures is also mixed.
In 2002, the Pacifi c North-
west National Laboratory
in Richland, Washington,
published a study indicating
dams might actually off er a
degree of protection, since it
takes longer for larger bodies
of water to heat than smaller
waterways.
Combined with producing
carbon-free electricity, Miller
says productive hydroelectric
dams should be part of the
solution to combating climate
change and keeping waters
cool for fi sh.
higher-value crops just
means you’re playing
with higher stakes.”
The rules will be dif-
ferent for “historically
disadvantaged” farmers
identifi ed by the Oregon
Department of Agricul-
ture, which will oversee
the program. Historically
disadvantaged farmers will
qualify for loans of up to
$150,000 if they grossed
less than $350,000 in 2021.
The loans can’t raise their
total income beyond 95%
of their three-year average
revenue.
The loans will be dis-
bursed by banks under
contract with the ODA,
which will rely on their
experience lending to the
farm industry.
“This is a new program
unlike anything we’ve
done before,” said Jona-
than Sandau, special assis-
tant to ODA’s director.
“This will not be live next
week and it will take time
to get right.”
Farmers who ultimately
receive fi nancial help from
USDA must repay enough
of the loans to bring them
below 90-95% of their
average annual income.
“Recipients will not be
made whole or profi table
under this program,” Sandau
said during a hearing.
The overall $400 million
legislative package focused
on housing rental assis-
tance, drought relief mea-
sures and Afghan refugee
resettlement, among other
issues.
The forgivable disaster
loan program was the
largest component of the
$100 million allocated for
drought relief.
Lawmakers dedi-
cated more than $11.6 mil-
lion to Oregon Watershed
Enhancement Board grants
aimed at drought resil-
ience and irrigation mod-
ernization. They also allo-
cated $6 million to several
drought-affl icted irriga-
tion districts, $5 million
for grasshopper and cricket
suppression and $8 million
for Klamath basin drought
assistance, among other
programs.
The agriculture industry
also stands to benefi t from
the $25 million approved for
illegal marijuana enforce-
ment, which is meant to
reduce water theft and
other rural problems. Law
enforcement agencies will
receive $20 million in grants
to fi ght unlawful production
of marijuana, while $5 mil-
lion with go to expand water
rights enforcement.
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