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TRIBAL PROGRAM NEWS TLC Attitudes of Gratitude Business and You! by Lynn Whitlow by Rosie Suffìcool, STBC Business Information Counselor and S.T.A.N. Coordinator We were grateful to have a fireplace and a supply of wood, plus some will ing kindling cutters to take the edge off the chill. What we are all very grate ful for is the even, consistent warmth from the new furnace and heat pump! We are thankful to Naomi Shadwick for helping us with a grant application. It sure is nice to have help from the experts! There are unnamed heroes from the Tuesday night NA group who brought up and stacked wood during the cold spell. Thanks all of you! Our volunteers are “tops” with us. Thanks to Alice McCain, Levi Simmons, and Stephanie Rilatos. You are so ap preciated! Thanks for supporting your community needs. We need more volunteers. Call me if you are interested or just have questions about what it entails - 541-444-8238 or 1-800-922-1399, ext. 1238. Sometimes we take good things for granted and forget to be grateful until circumstances change or until we learn that someone else or somewhere else has it much worse than we do. At the TLC, we had what we con sidered very chilly days and nights. Then we heard about those folks in upstate New York, near the Great Lakes, who have had to contend with between eight and 12 feet of snow and extremely low temperatures. Somehow we felt pretty fortunate to be living here! At least we didn't have to call in the National Guard to shovel us out of our houses and keep our roofs from collapsing. That is a big thing to feel gratitude about. Another “biggie” for us at A&D/ TLC is the installation of a new furnace that works! The old one was prodded and cajoled by the furnace “doctors” for many months. They tried, really hard, to revive it but that was not to be. Elder Council Meeting 2 p.m. to 5 p.m. March 10, 2007 Chinook Winds Golf Resort I %. ' : . ' ■ ; ' ■ ' ? " ' ' - ' , ' ' ' ’ • ? ■ .. ... - ' • ' ' : How Does Your Business Measure Up? If you are a new business owner, all of the responsibilities you are trying to Are your display shelves arranged • juggle to make your business succeed. in a way that makes it easy for cus You may be spending most of your time trying to build up your customer tomers to see your products? Are your shelves arranged in a way • base so you can pay your bills. that makes it easy for customers to One thing many new business own walk around? ers often overlook is the way their busi • Is your landscaping in good condition ? ness looks to potential customers. • Is the sidewalk outside your busi You might offer great products or services, excellent prices and customer service, but unless your business “looks ness in good repair? • Does your business entrance look inviting? good,” many customers won’t even give you a try. A business owner can do many things to make sure his or her business makes a great “first impression” on new customers. Here are some suggestions: • Is your store or shop as clean as it • could be? Are the windows and windowsills • / inside and outside of the business? you’re probably a bit overwhelmed by Although as a business owner you go in and out of your business each day, you may not really “see” what a potential customer who comes in for the first time might be seeing. Take some pictures of your busi ness on both the inside and outside, take them home, and really look at what your customers are seeing. clean? ■ Do you have sufficient lighting both • Is the outside of your building in By taking a good look at your busi good repair? ness, you might find you can do a tew • Is your signage attractive and easy simple things to make your business more attractive. • to read? Are the areas around your entrance clean and well-kept? to make a “good first impression!" , For more information, please contact Angela Ramirez 1-800-922-1399, ext. 1225; 541-444-8225; or angelar@ctsi.nsn.us Remember, you only have one chance Personal Finance and Real Estate bv Yvonne Messmer, Housing Finance Manager, 503-390-9494 or toll free 1-888-870- 9051 • 2.2 million subprime home loans If you are overburdened with debt: • Do I have money saved for a down Down Payment made in recent years have already payment? Assistance Program failed or will end in foreclosure. • Do I have the ability to pay a mort Talk to your creditors - They may • These foreclosures will cost delin This tribal program provides up to gage every month, plus additional be able to help reduce the payment quent homeowners as much as $15.000 in down payment and closing costs? amount or give other allowances. cost assistance to qualifying below- $164 billion. Make small and regular payments median income households and lever • Nearly one in five (19 percent) If you answered yes to these ques - The way to clean up your credit subprime mortgages originated ages other private funding. tions, then you might be ready. Give is through a very slow process. Tribal members can apply to the during the past two years will end me a call to find out about the Down Stop buying more stuff - Do not Down Payment Assistance Program in foreclosure. Payment Assistance Program and how make any major purchases, such as (DPA) at any time. Applications will be it can help you! cars, houses, furniture, etc. processed on a first-come, first-served Delinquencies are much more basis. The tribe does not charge a fee common for subprime loans. The re Think bankruptcy is the way to for application or use of the DPA Pro Subprime Mortgages May cipients. of course, are less credit wor clean up your credit? Think again! gram. however, there are costs associ thy to begin with. And lenders charge If you are having financial trouble Mean Vulnerability to ated with the purchase of a home. these borrowers at higher rates, which and you want to clean up your credit, Foreclosure DPA is awarded in the form of a for increases the likelihood that they'll use bankruptcy as your last resort. Bank givable loan as evidenced by a recorded by Les Christie, CNNMoney.com staff have trouble making payments. ruptcy is not a quick fix - it's a very trust deed against the subject property. Another factor is that lenders of writer, originally published Dec. 20, 2006 big hole out of which it’s hard to climb. ten load up subprime loans with high- NEW YORK (CNNMoney.com) - Filing bankruptcy will: risk provisions, setting up borrowers How Do I Know If I’m The number of homeowners with sub to fail. Some of these include: adjust prime mortgages who will lose their • Not improve your credit Ready to Buy a Home? able interest rates, balloon payments, • Increase the interest rates of any fi homes to foreclosure will jump over You can find out by asking your prepayment penalties, and limited nancing you get for years after the next few years, according to a re self some questions: documentation requirements. • Increase your insurance rates cent study. • • • • Do I have a steady source of in come (usually a job)? Have I been employed on a regular basis for the last two or three years? Is my current income reliable? Do I have few or no outstanding debts (like car payments)? In addition to all this, filing bank ruptcy may cause trouble for you when applying for a job and for rental hous ing. Some employers and landlords review credit reports as a part of their application process. A release from the Center for Re sponsible Lending (CRL), a non-profit, non-partisan research and policy orga nization advocating for homeowner ship and family wealth, revealed three key findings: If you are one of the unfortunate ones who got caught up in subprime lend ing and are having difficulty making your house payment now. call Yvonne at 503-390-9494 or toll free 1-888-87O-9O5I. She may be able to help you. March 2007 • Siletz News • 7
