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P age A7
Can We Educate For Economic ATTENTION
Gain In Our Community?
HOMEOWNERS
profound lack of knowledge about the
tions of readily available tools and no community college.
To be specific, that year-long INFRASTRUCTURE that is the es
I think it is possible, but it cer methodologies of the current e ra -a ll
"Black Economic Experience” course sential framework of modern urban
tainly is going to take some new and with the intention of getting people in
began with the Civil War and by the life.
unorthodox techniques, in this day of motion , even if they have to ‘move
You can’t know how to success
final semester dealt with the current
a widely-hailed “ Information Explo around’ or ahead of their leaders or
fully
market your merchandise or job
status of minority employment and
sion”, it seems that “educated” chil organizations. We are in bad shape and
skills
if you don’t know how the sys
business development. At each state
dren know less than their p a re n ts- time is of the essence The blind do not
tem
works—
or how the components
students were able to balance skills
and no one knows as much as the lead the blind very well, no more Mr.
relate
to
each
other; how, why and
and opportunities of the populace un
Nice Guy.
grandparents.
what they buy; who from and when do
der
study
against
expectations.
From
In terms of financial gain for the
U n le ss so m e in s p ire d a n d
they do it, how to make your daily
community,
my two most productive an examination of the v ocations, pro
in n o v a tiv e p ro cess tak es p lace,
newspaper a full-fledged business
fessions
and
business
enterprise
of
w e ’ll have a ‘n o -w in ’ situ a tio n course designs at Portland State Uni
course; don ’ t forget the "yellow pages”
these
earlier
times,
students
were
eas
here in inner northeast as far ahead versity were; A .’’Black Economic Ex
ily enabled to see where blacks had We will expand these particulars next
as can be projected. In respect to perience” (3 semesters), B. "Affirma
gone backw ard in the economic sense- week.
either salaries or business income tive Action Workshop” (one semes
Now that other course, "Affirma
-and would ask “why aren’t we doing
the earnings of Portlands’ African ter). Being from a non-academic back
tive Action Workshop”, I began as a
these
things
now,
where
are
our
lead
Americans are substantially lower ground of the real worlds of the mar
contract with the U.S. Forest Service
ers on these things?”
than either national or city averages. ketplace and industry, it did not take
While the students (ages 18 to 32 to service needs in personnel adminis
If one studies either "The Dictionary me long to discover that both courses
approx.) found little or no support for tration (this, itself, a recognized busi
o f O c c u p a tio n a l T itle s ” (Jo b s), provided a golden’ opportunity to ex
such ideas in the community among ness opportunity). When I redesigned
or the “ Standard Industrial Classifi pand the educational objective from a
either individuals or organizations, this course to meet the needs of the
cation M anual” (Types ofbusinesses), simple review of the experiences of
we certainly got a lot going in class- general community, both private and
it is readily apparent that blacks others to a hands-on exercise in maxi
and beyond, right into the real world .public sectors, my class was deluged
for the most part are not involved mizing financial gain for the students.
w ith business ow ners, personnel
Now, we get to the heart of the First, in the same fashion that our
in th e m ore p ro d u c tiv e so u rces
people from industry and public agen
Y of income They haven’t even heardof m atter-that which I maintain can be ‘financial pioneers’ did, we got a real
business started as "class projects” . I cies and many other professionals-as
many. And given that the relevant done equally well in less formal com
used the experience gained in my own well as a general mix of students.
“inform ation explosions” have not munity settings as income of the overly -
I immediately perceived that I
enterprises and in working for others
p e rm e a te d o u r n o rth e a s t a re a , rigid academic structures. W ealsowant
had
created a continuous process or
to structure a class section that could
th in g s a re not likely to ch an g e to keep in mind that the deficient scho
arena
where there could take place a
be aptly been termed “Small Business
unless some “innovative” process does lastic preparation of many minorities
vigorous economic and social inter
Operations”
.
Not
only
was
this
seg
indeed take place. We need an eco prevent them from qualifying for en
ment helpful to the neophyte entrepre course between the everyday and mi
nomic ‘earthquake’, but change will trance to institutions providing key
neurs. but minority (and white) busi nority student body and more diverse
require more than my metaphors. In courses w hich they could nev ertheless
ness people from the community heard and affluent elements of Portland’s
fact we need a lot more than inspired handle. I learned this on the job in
of
the course and enrolled—forcing me infrastructure. This is something des
dialogue to improve the finances of California industry, and The Dalles,
perately needed now for in a short
to
add an evening segment.
the residents. So what is it I am about Oregon M artin-M arietta Aluminum
time I was placing more students in
O
f
utmost
importance
(just
as
here, you may well ask? What I wish Plant where I taught math to fellow
now) was an element 1 added when I jobs than dedicated agencies.
to do in this series is combine some cmplov ees and conducted a Youth Sci-
(continued next week)
Club for their children. There was realized that most minorities had a
reality -based experiences with descrip-
BY PROFESSOR MCKINLEY BURT
)
25 HOMES
WANTED
To Train Applicators
(Under Supervision-
Fully Guaranteed)
To Install
NEW 1993
Vinyl Siding
AS
SEEN Financing
ON TV k O.A.C.
Nearly six hundred and fifb vol
unteers will gather to repair and i .-no
vate over 30 Portland homes for low
incom e, e ld e rly , a n d d isa b le d
homeowners during the city's third
annual Christinas in April*Portland
project on Saturday, April 17.
Christmas in Apnl*USA is a na
tional home repair pi gram with more
than 60 chapters nationwide. Christ
mas in April volunteers work with low
income homeowners who have nei
ther the financial nor phy sical ability
to maintain their homes.
Christmas in April’ Portland, sup-
»
LOA N>~
THINK THEY CAN’T
GET ONE
Not ii’iTy’otic has the moupy it tithes to take out a hottie
loan from a bank.
Hut right nou>, a lot of people in O regon who
think they can’t qualify for a hom e loan, can. W ith
a I lom ePartners loan from U.S. Bank. It gives you the
m oney you need to buy a house without costing an arm
and a leg. O r even a foot. I fere's how it works.
With a HomePartners loan, the am ount of money
you need for a down payment is about one third
■ * ft'-
W »W+»»?4
less than even the usual federally insured home loan
requires. And most closing costs, for things like title
insurance and other fees, don t have to be paid up
front—they can be borrowed with the rest of the money.
Not only does this home loan cost less, it s easier to
qualify for. A steady income and a good history of
paying your bills might be all you need.
Now, we aren't exaaly giving away these loans to
everyone w ho walks in the door. But, we guarantee
' r
. V
/
•
«’ * • « * . ! -
.« 1 . •
ANDERSON BUILDERS &
CONSTRUCTION, INC.
3511 N.L 74th Portland, OR 97213
(503) 281-1855
NAME
ADDRESS
CITY
PHONE
""
CCW52603
¡K c iW
Christmas In April
* Portland Set For April 17
A HOME
PEOPLE WHO
MAIL COUPON OR CALL
ported entirely by voluntary contribu
tions of labor, time, materials, and
money, has been funded again this
year by major local and national cor
porations, local public agencies, com
munity organizations, and private in
dividuals.
Local indiv iduals whose homes
need work to make them safe and
liveable were recommended by area
service agencies, including the St.
John's YWCA and local area churches
For more information, cad Rob
Justus. Executive Director of Christ
mas in A pril’ Portland, at 283-7515.
A
A
V S
C O N V E N T IO N A L
HOM EPARTNERS
H O M E LO AN
H O M E LO AN
TO W N PAYMENT
5%
2%
HOW DO YOU GET YOUR DOWN PAYMENT?
M ust be from your
C an be a gift from
own savings
a relative
NECESSARY REPAIRS
M ust be done before
All repairs (except those
loan is given
required for health or
safety- reasons) can be
done after loan is given
ADDITIONAL CLOSING COSTS
All costs must be
Most costs can be
paid up front
financed
TOTAL CASH REQUIRED AT CLOSING FOR
\ HOUSE WITH A SALES PRICE OE $50,000
(For down payment, up front closing costs,
estimated taxes and insurance)
$6,250
S3-196
1X5 Y O U QUALIFY?
% OE MONT HLY INCOME ALLOWED
FOR HOUSE PAYMENT
28°/o
U p to 3.3%
CREDIT HISTORY
Previous loan
W ithout prior loan expentnee,
experience on cars,
landlord referentes and a
credit cards, etc.
good record of paying utility-
bills can be used to establish
credit history.
(M ultnom ah, t llam as,
Washing^«! ,n.l Yamhill
ííX T .T s’ ’’' T ' "
1 lom ePartners can help
you purchase a hom e in
O regon up to $65.000
You mas Sc eligible .1
vour annual household
incom e d.x-s not exceed
■
» 9 3 0 0 ) H om ePam ers
S S S S T
OPPORTUNITY
1 ' 2 2
■■■ F
I ■■■ i 1
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m p"
„
. _
a lot o f people w ho thought they’d never be able
et a home loan, will get one.
.So, before you 0 i’t' up on the idea of ow ning your own
le, take a kxvk at w hat U.S. Bank's I lomePartners
i has to offer. It could save you from a lifetime
I b a im k
|’F>2 I ’nitc.l Mates N in.ui.il Bank «»t 1 kegon