Page 6...The Portland Observer...September 16, 1992
Whitney Young Tutorial
Center Opens September 14
program which will explore ways par
ents can become more involved in their
children's education.
The Center is housed in the Urban
League’s main building, providing stu
dents with easy access to other League
programs, such as youth and employ
ment services.
During the 1991/92 school year,
the Center served 303 students, an in
crease of 17% over the previous year.
The facility is named for Whitney M.
Young, Jr., who was executive director
of the National Urban League from
1961-71.
The Whitney Young Center is seek
ing volunteers with educational experi
ence to serve a s tutorial assistants.
Interested individuals should contact
Herman Lessard, Jr. at the Urban League
of Portland, 280-2600.
The Urban League of Portland’s
Whitney M. Young, Jr. Education and
Cultural Center will reopen for the new
school year on Monday, September 14
at 10 N. Russell Street. The Center
offers free tutorial assistance and edu
cational resources to students in grades
6 through sophomore in college and to
other residents of North and Northeast
Portland.
The Center is open from 3-8p.m.
Monday through Thursday. Facilities
and activities include study space for 70
students, professional tutors, a refer
ence library, computers, a student news
letter, guest speakers, films and trans
portation assistaneç.
Students in grades 6-12 must be
accompanied by a parent or guardian on
their first visit. Parents also are encour
aged to register for a parent enrichment
W
1 • • 2
THE U N IT E D NE G R O COLLEGE FUN D
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P a r k ,
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o
Workshop Offers
Tax And
Recordkeeping
Information For
The Self-
Employed
The Lane Community College
Business Development Center will
present a workshop, “Basic Tax and
Recordkeeping Information for Self-
Employed People,” on Wednesday,,
Sept. 30, from 10 a.m. - 4 p.m„ at the
LCC Downtown Center in Eugene. The
cost is $73 if registering on or before
Sept. 25 and $83 otherwise, plus a $2
registration fee per term. Parking vali
dation will be provided.
Instructor Jan Zobel returns for her
fifth consecutive year to lead this fact-
filled workshop. She operates a tax
preparation service in San Francisco
and is certified to practice before the
1RS. Her workshop is designed for
people just getting started in business
and for independent contractors as well
as experienced business owners who
need a review.
Topics include deductible ex
p enses, how to set up a sim ple
recordkeeping system, and how to pay
estimated quarterly taxes. A 20-page
guide will be available in addition to
1RS oublications and forms. Zobel will
review recent tax legislation affecting
the self-employed.
For more information, contact the
LCC Business Development Center at
1059 Willamette Street in Eugene, tele
phone 726-2255.
Up &
t t U
^
'
Do it alone, or do it with pals
Do your part to support our private, historically Black colleges
and their students. Recruit a team from your place of
employment, church, club or organization
Earn valuable prizes.
Contact the United Negro College Fund
(503) 223-8890 for more details.
7:30 A.M.
Walk Starts
-w k r w s ir
DEVRl/M-MKST
CÖMMÜ^IÖT
C o m m issio n M eetin g
A Northwest Natural Gas
Registration Opens
PDC
9:00 A.M.
Date: September 23,1992
Place: Portland Building
1120 SW Fifth Ave., 11th FI.
Portland, OR
Time: 930 a.m.
Commission meetings arc open to
the public A complete agenda is
available at PDC. Call 823-3200.
PDC is the City of Portland's urban
renewal, housing and economic
development agency.
ù'. x
R e a l M in o r it y B
o
If you look ai this five-part series as
a community investment, then the re
turns arc already coming in. The latest
“profit” is a reader who has just cleaned
out his garage for space to manufacture
that special kind of paint scraper on his
mind for years: “C an’t be too dilficult-
-a blade, a handle and some fasteners.”
He has already gotten a Benson
High School student to do the initial
drawings for the Patent Attorney he
located in the professional section of the
phone book. Between the business sec
tion of the library and the local chamber
of commerce be discovered as I had told
him that the metal for the blades came
on spools of various widths, one foot on
up (like large rolls of “adding machine
tape”). And the wood for the handles,
along with the rivets for the fasteners
were as equally accessible.
At the same library, and by visiting
some local small manufacturing planks,
our reader found that he could buy his
initial equipment, some new, some used,
for less than $5000; Including shears,
punches, stampers, grinder and riveting
machine. Interestingly, the same even ing
I talked to this inventor, local television
showed a Beaverton golf pro who has
invented a “putting trainer device” he
manufactures in his garage-35,(XX) sold
nationwide in 7 months.
One of the fastest growing areas of
our economy for this decade and the
next is Health C are-jobs, equipment,
supplies and services’. Several years ago
while I was a volunteer at a large local
hospital, 1 took an “inventory” of all the
services and supplies that were (or could
be) supplied by a small vendor. The
assessment was fantastic, both the on
going businesses and the possible op
portunities. 1 talked to personnel, doc
tor, nursing supervisors, purchasing
managers, maintenance people, labora
tories, you-name-it. This was Provi
dence Medical Center, the same hospi
tal where I set up the summer work/
study programs for minority youth.
I cataloged 50 easily manufactured
items the hospital bought and a score of
services purchased. Of particular inter
est was a contract held by two females
1
U
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u s in e s s
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on N.E. Morris St. at the time. I told him
I could design a two-page letter that
would bring the funds in for a perma
nent school and bookstore- and whether
he thought 1 was crazy or not, Ron got
the organization to give me the go-
ahead. The rest is history, the former -
library building on N.E. 17th, the book
store and apartments on Alberta (now
the Umoja Facility lease), and the adja
cent dwelling. What was done?
First, the technique of “analysis”
was used, the essential approach for all
activities, business or otherw ise-just
what is really going on here, not just
what people say. Secondly, as I taught
those students in that class, project the
“play” theme. What came out of all this
was a realization that foundations were
getting sick and tired of funding half-
assed projects that might last six months
or a year-leaving the foundation direc
tors and/or employees in jeopardy them
selves, and their trust funds depleted.
What I said in a 11/2 page narrative
over B.E.C.’s signature was almost this
down to earth; “ look folks, we are a
dedicated group of commited young
educators with the following relevant
experience that began at a local college.
We saw this need and have sought to fill
it but we need your help. We need a
permanent location and blah! blah!
blah! ” Now that’s one page. The second
and final half page, simply introduced
that“play” thcme I mentioned”...twenty
years from now your board of directors
will be able to point to our facility with
pride and say we funded this gift to the
Albina Community”. It worked like a
charm.
Back in the P.S.U. classroom, two
of my business students who worked for
a mental health clinic used the exact
same technique to acquire for the pro
gram that beautiful mansion and estate
on the west side of Martin Luther King
Blvd., near Portland Blvd. You simply
have to think and open your mind, we
are “Black Inventors”.
Also, try subscribing to Black En
terprise, subscription service P.O. Box
11602, Des Moines, IA 50350-1602,
$14.95.
who supplied and maintained the hun
dreds of beautiful plants throughout the
complex. This was one of the enter
prises 1 had my business class explore at
P.S.U. during the 1970’s. Also, a mother
and daughter team chose as their class
project the purchase of “dilapidated”
old houses which they could renovate to
sell or rent (while living in one part until
finished). Always “reality” with me;
that works.
This was in 1973 and if you arc
renting in northeast, their well adver
tised firm might be your landlord. Like
a lotof successful young business people,
they were not job oriented, so they quit
the university for community college,
taking construction and management/
accounting courses. In a span of 15
years they have moved from houses to
apartments.
While we arc speaking of “real
estate”, let us look at that particular
aspectof the so-called “Non-ProfitCor-
porations”. Whether anybody has no
ticed or not these types of organizations
can accumulate huge amounts of re
sources in terms of both monies and
other property-they can supply jobs,
positions, golden parachutes (United
Way disaster) and they can influence
politics and communities. My experi
ences, here and around the country,
indicate that m inori ties could do a much
better job of utilizing the available le
verage.
Now, in that very same business
class at P.S. U., I designed a class project
for the students to pursue. Contrary to
conventional wisdom, I insisted that a
properly designed proposal to local foun
dations could sec ure Ownership Of Real
Property-not just grant money. Hap
pily the students were too naive to real
ize “this wasn’t done’ so they studied
and worried and collaborated. I gave
them one firm direction; Imagine the
foundation’s board of directors sitting
around a table examining proposals.
What would “you” want to hear? What
would move “you”?
In the meantime I approached Ron
Herndon, then of the Black Education
Center which was located in a dwelling
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A HOME
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TH INK THEY CAN’T
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N o t everyone has the money it takes to ta k e o u t a h o m e
less th a n e v e n th e u s u a l fe d e ra lly in s u r e d h o m e lo a n
re q u ir e s . A n d m o s t c lo s in g costs, fo r th in g s lik e title
lo a n fro m a b a n k .
B u t right now, a lo t o f p e o p le in O r e g o n w h o
i. w.
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th in k th e y c a n ’t q u a lify fo r a h o m e lo a n , ca n . W i t h
in s u r a n c e a n d o t h e r fees, d o n t h av e to b e p a id u p
f r o n t —th e y c a n b e b o r r o w e d w ith th e re s t o f th e m o n e y .
N o t only does this home loan cost less, it’s e a sie r to
a H o m e P a r tn e r s lo a n fr o m U .S. B a n k . It gives y o u th e
m o n e y y o u n e e d to b u y a h o u s e w ith o u t c o s tin g a n a rm
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a n d a leg. O r e v e n a f o o t H e r e ’s h o w it w o rk s.
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if
q u a lify for. A ste a d y in c o m e a n d a g o o d h is to ry of
y o u n e e d fo r a d o w n p a y m e n t is a b o u t o n e th ird
VS
A
H OM EPARTNERS
H O M E LOAN
I X >WN PAYMENT
2°/o
1 l o w 1 X ) YOU GET YOUR 1 >OWN PAYMENT?
C a n be a gift from
M ust he fro m your
a relative
o w n savings
NECESSARY REPAIRS
All repairs (except those
M ust he d o n e before
req u ired for health or
loan is given
safety' reasons) can be
d o n e after loan is given
Al >1 il I n )N A I. CLOSING COSTS
M ost costs can be
All costs m u st lx-
financed
paid up front
T O TAI i ASI 1 REOUIREI ) AT CLOSING FOR
A 1 It )US1 W 1T I1 .\ SALES PRICE OE $30,000
(l o r doss 11 nas illent, u p front closing costs.
estim ated I t axes and insurance)
$2,115
$3,587
H O YOU QUALIFY?
O !
' 1 I I Y INCO M E ALLOWED
1i )R t IOIJSE PAYMENT
U p to 33%
28%
C REDIT HISTORY
W ith o u t prior loan experience,
landlord references o r a
experience on ears,
good record o f paying utility
credit cards, etc.
bills can be used to establish
credit history.
Previous loan
T h e I lo m e P a rtn e rs
p ro g ra m can h e lp yo n
purchase a house in
O re g o n to r u p tv» $49,000.
You are e lig ib le to a pply
it y o u r a nnual h o u se h old
in c o m e does n o t exceed
EQUAL HOUSING
the fo llo w in g in c o m e
OPPORTUNITY
level guidelines:
1 person-$26,000,
2 people—$30,000,3 or
more people-$34,(KM).
I lomePartners loans are
offered through U.S.
Bancorp Mortgage
Company.
th a t a lo t o f p e o p le w h o th o u g h t th e y ’d n e v e r h e ab le
to g e t a h o m e lo an , w ill g e t o n e .
Si), before you give up on th e id ea o f o w n in g y o u r o w n
h o m e , ta k e a lo o k at w h a t U.S. B a n k ’s H o m e P a r tn e rs
lo a n has to offer. It c o u ld save y o u fr o m a life tim e
o f re n t.
^LLsjl B A N K .
p a y in g y o u r bills m ig h t b e all y o u n e e d .
N ow , w e aren't exactly giving aw ay th e s e lo an s to
W ith a HomePartners loan, th e a m o u n t o f m o n e y
11
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