Page 4..The Portland Observer...April 22, 1992
Down Payment Assistance
Education Program Puts
Home-Buyers in Control
Elements of the course include:
- Role of key players in the pur
chase process—realtor, inspector, ap
praiser, lender, purchaser, closing/cs-
crow officer, mortgage insurer, loan
servicer, etc.;
- Properly inspection;
- The loan process;
- Developing and implementing a
monthly budget; and
- Maintenance tips to protect the
property’s value.
“Education elements of this pro
gram are very important,” said Karen
Tolvstad, chairperson of the program
and vice president of U.S. Bank. “First
time homebuyers in the program aren’t
automatically given a loan package and
a handshake. We work with each cus
tomer throughout the process to ensure
that all bases are covered.”
Educational materials and semi
nars were developed by a consortium ot
banks and the OBA in cooperation with
the Oregon Mortgage Bankers Asso
ciation (OMBA), Network for Oregon
Affordable Housing (NOAH), Neigh
borhood Partnership Fund and Depart
ment of Housing and Urban Develop
ment (HUD).
The Oregon Bankers Association,
established in June 1905, is a non-profit
trade association consisting of all banks
in Oregon, providing a wide range ot
banking-related services to members
and Oregon residents.
For a local bank contact in your
area, please call Frank Brawner at the
OBA at (503)581-3522.
A young couples wants to buy their
first home. But they’ve heard how com
plicated and expensive the process can
be. and don’t think they can afford it.
Think again, say 26 Oregon banks
participating in the Down Payment
Assistance Education Program. The
creative statewide program dispels
myths and teaches facts about the home
buying process, and offers affordable,
creative financing to low-income resi
dents who qualify.
“The banks have taken a compre
hensive approach to increasing home
ownership among low-income individu
als and families throughout Oaregon,”
said Frank Brawner, executive vice
president of the Oregon Bankers Asso
ciation (OBA). "While the financing
element is very important, so is helping
the first-time buyer develop a clear
understanding of the purchase process."
Program applicants, or anyone
seeking initial information on home
buying and financing, can stop by any
participating bank branch statewide for
assistance. Anyone who buys a home
through tne new Down Payment Assis
tance Education Program must com
plete an education course before clos
ing.
The home-buyer seminars, pre
sented by local bankers, offer compre
hensive, step-by-step information on
how to buy a home. Participating banks
also offer course instruction on video
tape for people who are unable to attend
an area seminar. Take-home workbooks
also are provided.
Search for Woman Age 30 or Over to
Become Dove Classic Model
Juneteenth USA ’92, a century-old
festival celebrating the end of slavery
in the United States, will be held June
12 through 14 in Cherokee, NC.
Originally celebrated in Texas,
Juneteenth is now an annual event held
in many cities. “The decision to hold
the celebration in Cherokee this year is
based on the fact that many Black
Americans can trace their roots to a
Native American ancestor,” says Janice
Inabinett of the festival.
The Juneteenth celebration origi
nated shortly after the end of the Civil
War. In 1862 President Abraham Lin
coln signed the Emancipation Procla
mation legally ending slavery in the
United States; however, many slaves
did not claim their freedom until June
1865, two months after the War ended.
To mark their end of slavery and the
beginning of freedom, the Juneteenth
celebration was begun.
Juneteenth will begin at 4 p.m.
Friday and end Sunday at 5 p.m. with
many events taking place. Highlights
include drumming by renowned Black
and Native American drummers, story
tellers, performances by choral groups,
arts and crafts, Bid Whist tournament
and Native American pow-wow.
“By bringing two unique cultures
together, we feel the festival will offer
components normally not found at fes
tivals that have an ethnic base,” she
notes, and by having all aspects of the
festival as audience participatory, we
feel this will be a memorable experi
ence for all who attend.”
For more information on how to
participate in the festival or to purchase
advance admission tickets call 1-800-
USA-JUNE. North Carolina residents
can call 704-254-7783 or 7W-497-3967.
Academy One Scouts Northwest Women’s Expo in the Oregon Convention Center, Portland
If you’re a woman age 30 or over
who’s ever dreamed about becoming a
model, now is yourchancc. Dove Beauty
Bar and Academy One, Inc. are search
ing for women with modeling potential
to win the 1992 Dove Classic Model
Discovery Contest. The winner of
Dove’s seventh annual search will have
the opportunity to launch a professional
modeling career.
The 1992 Dove Classic Model will
win $25,000 in cash, a $5,000 designer
wardrobe and a one-year model ing con
tract with Wilhelmina International
Limited.
Entry forms will be available at the
Northwest Women’s Expo in the Or
egon Convention Center on May 8, 9
and 10 from 10 a.m. to 7 p.m. and at
Academy One, 1510 S.W. 6th, Port
land, until the July 31 contest deadline.
Model agency pros will be avail
able to offer free advice on modeling
careers. There will also be fashion shows
which will feature mature models.
By joining Dove Beauty Bar’s
search, Academy One hopes not only to
help discover the 1992 Dove Classic
Model, but also to attract mature women
to its agency/school.
“As advertisers become aware of
the growing number and increasing
spending power of women over 30,
they are recognizing the importance of
using mature models to represent their
product and services. Women over 30
want to see models they can relate to,”
says Chris Cusick, former model and
partner in Academy One. “Therefore,
the opportunities for mature models arc
E
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Portland, Oregon, April 2, 1992-
Thc Oregon Chapter of the National
Black Leadership Initiative on Cancer
announced plans for their second an
nual Mothers Day Card Project. The
purpose is to celebrate Mothers Day
and educate women 35 and older of the
necessity to receive mammograms. This
year’s theme, “Mothers of all colors"
will reflect a multi-ethnic design.
1 outof9 women will bediagnosed
with breast cancer in her life time.
Mammograms, breast self exams, and
yearly breast exams by Physician are
essential for early detection and cure.
For more information, call 1-800-
4-Canccr. Proceeds from the cards will
assist in cancer education and outreach.
The National Black Leadership
Initiative on Cancer is a national initia
tive which aims to educate and imple
ment activities that will reduce the inci
dence of cancer. The Oregon Chapter
isasub-committecof the African Ameri
can Health Coalition.
R
N
E
Cascade AIDS Project announces
the 9th Annual International AIDS
Candlelight Memorial and March, a
multi-cultural service honoring those
who have died of AIDS. It will be held
on May 17thfrom7:30-9:00p;.m.atthe
Northwest Service Center, 1819 N.W.
Everett, followed by a 3-block march to
Couch Park for closure.
The AIDS Candlelight Memorial
is an opportunity to express our losses
and grief, as well as the hope that
together we can meet the challenges of
AIDS. As of April 6,1992,889 Orego
nians have died from AIDS. In other
100 cities on five continents, candles
are being used as a unifying sign to
remember and honor the dead, and to
support and affirm the living. We invite
all who have been impacted by the
AIDS epidemic to join together for this
ceremony.
In addition to Cascade AIDS
Project, the event is being co-sponsored
by: Oregon Minority AIDS Coalition,
Our House of Portland, Indian Health
Board, Portland Gay Men’s Chorus and
the Oregon Health Division.
IN S U R A N C E
E N C Y
503-284-6595
FAX 284-7607
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Life/Health
Property/Casualty
Income Protection
Retirement
Business
2207 NE Broadway, Suite 5
Portland, Oregon 97212
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Worker’s Compensation
Bonds for Contractors
Nursing Home Care
SR-22 Filings
Motorcycles
Ad Prices Good April 22 through April 28,19 92 At Safeway.
Invites you to honor
Portland Schools Superintendent
Dr. Matthew W. Prophet
“An Evening with Dr. Prophet”
May 22,1992
6:00 p.m. Cocktails
6:45 p.m. Seating for dinner
Oregon Convention Center
777 N £ . Martin Luther King Blvd.
RSVP: Charles Ford (280-5835) or
(280-6155)
\ ’A * »
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Agency is currently looking
for an experienced full or
part time agent.
Portland Coalition of
Black Men
- S 3
FULL RANGE
INSURANCE
PROTECTION
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W A R RE N
A G
Bar OR fie following phrase on a 3”x5’’
piece of paper: “Dove contains 1/4
moisturizing cream. It won’t dry your
face like soap.”; and. in 50 words or less,
completing the statement, “I have cam
era potential because...” Women with
prior national modeling or national com-
mercial exposure are not eligible.
Women with local modeling or local
commercial exposure are eligible. En
try forms are available in the May issue
o f Ladies Home Journal or by sending a
self-addressed stamped envelope to:
Dove Discovery
c/o Ogilvy Adams & Rinehart
708 Third Avenue, Dept. M
New York, NY 10017
A toll-free number, 1-800-354-
DOVE explains how to enter.
Deadline for receipt of entries is
July 31, 1992.
The Grand Prize winner will be
selected from six regional winners rep
resenting the East, West, and Central
states.
Region winners receive a four-day,
all expenses paid trip to New York City
to participate in the grand prize selec
tion and $500 toward a day of beauty in
their hometown. They will be judged on
the basis of skin and overall appearance,
conversational skill and professional
modeling potential.
“I think all women can be beautiful
if they believe in themselves and main
tain a proper diet, exercise and skincare
regimen,” say s Ms. Hollister. “I encour
age every woman over 30 to enter this
contest. If you don’t try, you can’t win,”
she adds.
»
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SAFEWAY ' r
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growing steadily,” Cusick adds.
Last year, a 36-year-old woman
became the sixth Dove Classic Model
and embarked on a modeling career
with a leading New York modeling
agency. The 1991 winner, Debbie
Hollister, of The Colony, Texas, ap
pears in a beauty editorial about the
contest in the May issue o f Ladies Home
Journal. Ms. Hollister will make ap
pearances on television and in newspa
pers as the spokesperson for the Dove
Classic Model Contest.
Several past contest winners, aged
33 to 53, arc enjoying ongoing careers
as models appearing in advertisements,
fashion catalogues, fashion shows and
national television programs. Two past
winners arc television talk show hosts.
The contest highlights the growing ca
reer opportunities that exist for mature
models and is designed to showcase the
unique beauty and elegance of the ma
ture woman.
“Dove is the beauty bar that doesn’t
dry your face the way soap can. It helps
give women skin that feels smoother
and younger,” says Christine Korduba,
brand managcrat Lever Brothers, manu
facturer of Dove and sponsor of the
Classic Model Discovery. “That’s why
Dove is an important skin care product
for any woman, especially women who
arc entering their 30’s and may be
beginning to experience dry skin."
Any woman at least age 30 by the
July 31 deadline can enter Dove’s Clas
sic Model Discovery by submitting two
snapshots, a head shot and a full body
shop; two wrappers from Dove Beauty
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