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August 20, 1986, Portland Observer, Page 5
Financial Advisor Offers Low-Risk Financial Investments
by Jeny Garner
Are you one o l the thousands of
people who are looking for a safe,
low risk way to invest your hard
earned money? If you are, then
WTodrow Wilson Financial Service
could be the place for you
"In any investment there are two
risks the credit risk and the inter
est The credit risk is this. Can the
government or the bank pay the
principal and interest when it's due?
The interest risk is this While your
money is in an account, will it go up
or down?
"For example. say you put your
money in a six month certificate
During the first three months, the
interest rate goes up and you can't
take advantage of this because you
are locked up in six month certifi
cate for a lower rate But if it goes
down, you're better off, because
your account in locked in at the
higher rate.'' said Wilson
Wilson
counsels
individuals
investing in government securities
or investments that are backed by
the U S Government. Investments
such as treasury bills and notes.
Jennie Mae certificates. IRA's, trea
sury bonds, etc.
Wilson has been a financial advi
sor for nearly seven years and is
icgistered with the Security Ex
change Commission ISEC) in Wash
ington, D C Prior to this, he was
employed by the Department of Ur
ban Development for 16 years as a
financial analyst and loan examiner
According to Wilson, anyone that
has an income can start a financial
plan, if they are serious about mana
ging their money. "The amount of
money a person has isn't the most
important thing It's what you want
the money to d o ," Wilson said
Wilson said, before he recom
mends a financial plan for an inves
tor, he first does what he calls an
"investment plan". An investment
plan sees how many dependents are
in the investor's family and also sets
goals.
"W e set goals to see if one is
planning for retirement, educating
because the investment rates are
low "
Besides
offering
investment
counseling to individuals. Wilson
offers financial services to small
businesses seeking
commercial
loans Io expand ' Expertise is im
portant when preparing a loan If
one organized his or her package
correctly, it enhances the proba
bility of getting a loan."
Wilson was asked whether he
sees many African Americans seek
■ng financial plans
He replied.
Frankly, I don t see many I don't
know the reason for this, I blame
myself for not penetrating the Afn
can American community in the
manner I should "
Wilson said another reason Afn
can Americans don t seek financial
advice is due to the shortage of
African American financial count«
tors
Although there are a few
African Americans doing invest
ment counseling as stock brokers,
they work on commission "
Wilson said the reason he doesn't
set a minimum amount of money for
investment is because it would efc
minate a tot of people including
African Americans. "This is why I
say anyone with an income who is
serious about managing their mo
ney can get something started,"
Said Wilson.
STEVEN BAILEY. N.l).
N ati k < H’ atuk E xmii v IT ivsk : ian
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M ‘iN X III IM .sW oRrtl IX HOI VSIt - ME *I7?I7
W o o drow W ilson
plans that set m in im u m a m ounts investors
need fo r inve stm en ts e lim in a te a lot of people, in c lu d in g A fric a n
Am ericans
Photo by R ichard J B ro w n
one s children, traveling, or plan
tile deal for his customers. Wilson
ning for the future I would also ask
has formed a networking system
them what type of risk they're will
with several banks
I have been
mg to take."
doing a great deal of business with
"If someone comes into my office
a bank in Oakland Last fall I was
I don’t want them to have unreal
doing business w itti the Bank of
istic expectations We don't want a
American and City Bank (the two
person expecting to start an invest
largest banks in America), Republic-
ment this year and expect it to
Bank of New York and a bank in
double within a year I can’t serve
Washington. D C I used to do a lot
such an individual, ” said Wilson
of business with the Federal Re
In an effort to find die best possi
serve Bank, not so much now.
As primary health care providers we offer a full range of naturopathic
health i are service The naturopathic physu tan provides preventative,
wholislic and natural family health care lor a wide range of acute and
chronic conditions and minor traumatic in,unes
The following is a list of services available through the clinic feel
free to tall and discuss your questions about the naturopathic
approach to health and how it applies to you and your family
• S TA N D A R D LA B O R A TO R Y
ANO D IA G N O S TIC TESTING
• H AIR MINE R A I A N ALYSIS
• PHYSIOTHERAPY
M A N IPU L ATIO N AND
MASSAGE
• EXERCISE THERAPY
• CLEANSING PROG R A M S
A N D EASTING
• COUNSELING
• BOTANICAL MEDICINE
• HOM EOPA TH Y
• HYDROTHERAPY
• COMPLETE PHYSICAL E XA M S
• CONSUL IA IIO N S FOR
SPECIFIC PROBLEMS
• GYNECOLOGIC E X A M S ANO
W O M E N S H E A L T H CARE
• NUTRITIONAL A N D DIETARY
ASSESSMENT
• allergy testing ano
CLINICAL ECOLOGY
• GERIATRICS
• CHILDREN S ME OICINE
• SCHOOL A N D JOB PHYSICALS
• PRENATAL ANO
POSTNATAL CARE
What kind of car
do you want?
And what kind of terms?
Im m u n iza tio n
Clinics
If you are the parent of a school
or day caie age child, Oregon law
requires your children to have up to
date immunization shots for Diph
theria, Tetanus (DPT or DTI, Mea
sles, Murnps, Rubella (MMR). and
Polio before they can be admitted to
school or day care this year. The
Health Services Division of the
Multnomah County Department of
Human Services will hold special
immunization clinics to help County
residents insure that their children
are properly immunized against dan
genius diseases and can be admit
ted to school or day care tins year
A child entering kindergarten at
age five need four or five Diphther
la. Tetanus (DPT or DTI shots, one
Md.isles, Mumps, Rubella (MMR)
shot, and four Polio vaccines
If
you are not sure what shots your
child has had, or if your child needs
an immunization, call your regular
physician or the Health Division of
the Multnomah County Department
of Human Services at 248 3816
Children under 15 years of age must
l>e accompanied by a parent or legal
guardian to sign a consent form
Parents are asked to bring any
immunization records they have to
the clinic.
Immunization shots may be ob
tamed by appointment at any of the
six County clinics
In addition to
regular clinic hours, three special
clinics will be provided The dates
and locations are August 27, at the
East County Health Center, 620 NE
2nd in Gresham; and Grace Peck
Health Center at 2415 SE 43rd Ave
rtue. and on September 3, at North
east Health Center, 5329 NE Union
Avenue
All three clinics will be
held from 3 00 7:00 p.m and no
appointment is necessary.
The minimum fee for service at
these clinics is $5. Fees can be dis
counted for Multnomah Couty rest
dents based on income and family
size No Multnomah County rest
dent will be turned away for inability
to pay This service is not available
for out of county residents or per
sons who belong to health mainten
ance organizations (HMOsl. Per
sons who live outside Multnomah
County or belong to HMOs will be
directed to contact their local health
department or required to pay 100%
of the fee foi service.
I
W I i i , i m il a pent il and look al
Ihe ( hart
Then you'll really apprêt tale the
astonishing fle xih ililv ol consumer loans
at I irsi Intel stale Bank of I hegon
V hi i an arrange a In,in with (he ideal
m onthly pav ment In hl your budget
l or a new t ar Lite-model used t <ir «V
Boat Vat alum Or home im proveiiieiils
Sup,wise you want a new car. or
inavlie a used K n i t Hbcar You decide
your monthly payments, d you want a
longer lime in pav or even it von want
Io make a down pav llie ill al all
I he same flexihililv applies Io pre
m iim i used cars ol ret enl model years
and all o ilie r consumer loans (Certain
restrictions do apply And you must
qualify, of i onrse )
Convenient as that mav he there s
more Fust, you can quality Io ta '.-'X
discount ofl the normal interest rales
with automain pav menls from your
First hite,stale Bank i het king at t ounl*
Set m id with the light t its lil info,ma
lion, we t an have your money teady
the same dav
Apply Im your loan today by t ailing
or visiting First Interstate Bank Anti
remember who det ides tile terms
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R X e s sh o w n
yt,f^r-t » In «
M rflc Is I ' d , <MI l<*4ft
I»1»-
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liifrrr-s l rate H I 75%
( lf n ltl«1rs 'd F t -Its
> - Hint w ith a u to
,ri.»ft< JM» t u r n Is)
LOAN HOTLINE
Call weekdays from
10 a.m. to 7 p.m ,
weekends from
noon to 5 p.m,
Portland: 22S-1OOO
O utside Portland
I-8OO-228-O454
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First
Interstate
Bank
Meinlm nm
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