_________ M arch 30, 1994 • T he P ortland O bserver
P age A4
Two Roads: Which Way For Me
OBODY CAN DIRECT
YOUR WAY TO SUCCESS
BETTER THAN YOU.
At this moment you may think
there is just no way out of my particu
lar situation. That because of all or
part of your past experiences, life has
just shut you out of good things. Maybe
nobody has taken the time lately to
say one pleasant, good or positive
word to you. But 1 a perfect stranger
will... The “ Key” to a better you.
L isten , the m ost im p o rtan t
psychologic discovery of this century,
is the discovery of the “ Self-Image”...
1, me,...the per
son reading this ar
ticle, I carry around
everyday of my life,
a mental blue print,
or internal picture in
my head of myself.
This picture of my
self maybe cither dimly defined,
vague, or very sharp. In fact this
picture of me may not be consciously
recognizable at all, but believe me, it
is nevertheless there. This picture is
complete, right down to the last de
tail. This “Self-Image” is my own
conception of die sort of person I am.
This concept of my self has been built
up from, parent and relative abuse,
verbal, or physical. From statements
heard from relatives, instructors, or
friends, and other insensitive beings.
But most ofthese beliefs about myself
have unconsciously been formed in
my head from my past experiences in
my lifetime, my successes and fail
ures, my humiliations and my tri
umphs, and the way other people
have always reacted to me, especially
in my early childhood.
Once an idea or belief about
myself goes into this picture, it be
AAA Oregon
Elects Officers,
Directors
C. Edwin Francis, Portland, was
elected Chairman of the Board of AAA
Oregon at the Auto Club’s 89th an
nual membership meeting held March
16. A.W. Sweet, North Bend, was
elected Vice Chairman.
Terry W. Baker, Portland, was
elected T reasurer, and Roger L.
Graybeal was elected President and
Secretary.
AAA Oregon, which has over
460,000 members, also elected to its
Board of Directors: Floyd Bennett and
Peter L. Smith, representing metro
politan Portland; R. D. Colclough,
representing Harney, Malheur, Crook,
D eschutes, Jefferson, G rant and
Wheeler counties; George H. Corey,
re p re se n tin g U m atilla , U nion,
Wallowa and Baker counties; and A.
W. Sweet, representing Coos, Curry
and Douglas counties.
AAA Oregon is a not-for-profit
organization providing automotive,
travel and other services to its mem
bers.
Eager To Explore And
Environmentally
Aware?
Ecotraveler Names 10
Most Visited Ecotourism
Spots
Travelers who pack their envi
ronmental values in their luggage are
ch a n g in g the trav e l in d u stry .
Ecotravel is now the fastest growing
segment of the multi-billion dollar
travel business, with an estimated 35
million pcoplenow calling themselves
exotravelers in the U.S. and countless
more overseas.
And where are ecotravelers go
ing? The 10 international destina
tions most visited by ecotourists, as
compiled by EcoTravclcr magazine,
are: Costa Rica, Nepal, Brazil, Kenya
and Tanzania, Ecuador and The
Galapagos, Guatemala, Australia,
New Zealand, Belize and Thailand.
“An increasingly large number
of travelers are concerned about their
impact on the environment. As a re
sult, they arc choosing eco-scnsitive
vacations over mainstream tourist
resorts,” says Lisa Tabb, publisher of
EcoTraveler, a Portland-based con
sumer travel magazine.
“But it’s important to note that
ecotourism can be applied anywhere
in the world.” Tabb adds. “It simply
implies traveling in an environmen
tally and socially responsible man
ner, and that has an enormous appeal.
The beauty of ecotourism is that you
can take a wonderful vacation with-
outadvcrscly affecting local resources
or cultures.”
comes to me true or “ My Truth”. I
have not taken time out to question
the validity of this self picture, but I
have acted over and over again, upon
this inner picture as if it were really
true.
Yet, this “Self-Image” can be
come my Golden Key. To me living a
better.different, less stress-filled mis
erable life - everything that 1 do in my
present actions, all of my present
feelings, behavior, even my abilities -
are always consistent with my Self-
Image. In other words, I will “Al
ways” act, talk, and feel just like the
sort of person that I internally see
myself to be.
But here is
the kicker, it is
virtually impos
sible for me to
act, think, talk,
or feel other
wise. No con
scious effort, no external influences,
or acts by others will prevent me from
doing so.
If I conceive myself to be a no
body, or a failure-type-person, I will
somehow, find a way to fail, in spite
of all my good intentions. I can call up
all of my will power, and even if
wonderful opportunities are, literally
dumped into my lap, if I cannot change
my internal picture of myself, I will
fail.
My Self-Images a “Premise”, a
base, or a foundation upon which my
entire personality, my behavior, and
even my daily circumstances are built.
Because this foundation was built
early in my life; - all of my experi
ences right now seem to verify that I
receive good things in life, or bad
things. I either do good things over
and over, or 1 am constantly in trouble.
I am caught in a vicious cycle, or I am
therecipientofbeneficentblessings...
It very seldom occur to me that
my troubles lie in my “Self-Image, or
my evaluation of myself.
My Self-Image can be changed.
But one of the reasons I probably
haven't changed, is; Il has been so
difficult for me personally to change
my habits, or my way of life.
1 have spent a good deal of my
past time and effort blaming my sur
roundings or my contacts, rather than
my inner person I realize now that I
must change my thinking of my true
self, which will accomplish most any
goal that I set for myself.
A very wise teacher once warned
people of his day about the folly or
foolishness of trying to patch new
material upon old worn-out garments,
or of putting newly fermented wine
into old worn out wine skins that
could leak at any minute, spilling the
valuable product.
Y ou cannot read “Positive Think
ing” books or listen to motivation
speakers, and use the material or ad
vice effectively as a patch or a crutch
to mend the same old unchanged self-
image.
In fact, it is literally impossible to
maintain thoughts about, or act on
positive situations, as long as I harbor
or secretly hold a negative concept of
my true self.
Once, I decide to, once I make an
effort to, once 1 take thatgrand step to
change the concept or idea, or truth
about myself: All other things and
thoughts consistent with my new con
cept of myself are accomplished eas
ily and without any overwhelming
strain on my part...
The secret is this: For me to
really “Live”.
That is, for me to find my life
personally and reasonably satisfying:
I inwardly must have and believe in
an adequate and realistic Self-Image,
that I can confidently and comfort
ably live with. I must Find myself
totally acceptable to “Me”. I must
have a truly wholesome self-esteem. I
must see a self that I can wholly trust
and believe in. I must have a self that
I am in no-way ashamed to be. One
that I can forgive, move on and be able
to express freely, and not hide and
cover up.
I must have a self that will fit into
reality, which is an imperfect society.
I must fit into a culture with problems
of their own, and can accept me with
problems of my own and we work
together. I must really, really know
myself - both my strengths and my
weaknesses and be truly honest with
myself concerning both. My Self-
Image must be a reasonable approxi
mation of the “Real” me. It must be
neither more than I really am inside,
nor really less than I am.
When this, my true Self-Image is
intact and secure, I will always feel
good, when it is threatened, I will feel
anxious and insecure. When it is ad
equate and one that I can be whole
some and comfortable with: 1 will feel
self-confident.
I will feel free to “Be-Myself*.
And to express myself. I will be func
tioning at my peak.
When it is an object of shame, I
will attempt to hide it rather than
express, it.
My cre a tiv e ex p ressio n is
blocked.
I will be hostile and hard to get
along with.
My true self-image is important
to me, it will benefit all associated
with me.
What we really all want is really
more life.
Bank Of America Lending Reaches
Record $206.2 Million In Oregon
Bank of America Oregon in 1993
provided a record S206.2 million in
loans and investments throughout
Oregon in support of lower-income
home buyers and consumers, afford
able housing construction and small
businesses.
The bank’s 1993 lending perfor
mance in support of the Community
reinvestment Act (CRA) was more
than double the prior year. Bank of
America Oregon’s CRA programs
were rated “outstanding” by federal
regulators in 1993.
“We believe the special lending
programs were have developed dur
ing our first three years in Oregon are
taking hold and making a difference
in the lives of thousands of lower-
income Oregonians,” said W. Charles
Armstrong, chairman and CEO of
thousands of Bank of America Or
egon.
Rich Brown, vice president of
Corporate Community development,
attributed the steady growth in the
company’s community lending to the
development of special programs that
use flexible underwriting and tar
geted marketing. He also cited the
cooperation and input of community-
based housing and economic devel
opment organizations as well as a
special advisory committee consist
ing of community members from out
side the bank.
“Community input has been criti
cal in helping us build programs that
are effective and profitable, provid
ing benefits to both our communities
and our share holders, “ Brown said.
The m ajo rity o f Bank o f
America’s 1993 community lending
was generated by home loans within
low-income census tracts and to lower-
income Oregonians, totaling S160.8
million, these volumes were achieved
primarily through Bank of America’s
Neighborhood Advantage program,
which targets low-income customers
and uses modified underwriting cri
teria to expand eligibility.
Bank or America’s loans for de
velopment or preservation of low-
income, multifamily housing in Or
egon totaled $21.4 million. That
amount includes loans from the Bank
ofAmericaCommunity Development
Bank, which specialized in financing
affordable multifamily projects for
non-profit developers.
Loans for small businesses to
taled S23.8 million, these consisted
primarily o f loans through the Small
Business Administration, other gov
ernment-assisted lending programs
and the bank’s Advantage Business
Credit (conventional small business
loans up to $100,000).
Beyond the $206.2 million in
CRA loans, Bank of America pro
vided an additional S154.5 million in
other CRA lending in Oregon, con
sisting primarily of loans to public
entities and public bond issues. The
bank extended $54.3 million in direct
loans to local governments, housing
authorities and other public entities
in support of affordable housing, in
frastructure improvements and other
municipal finance needs. Addition
ally, BA Securities Inc. underwrote
S95.4 million in public bond issues,
including the Oregon Baccalaureate
Bonds.
Bank of America Oregon has 89
branches and assets of $3 billion. It is
a subsidiary of BankAmerica Corpo
ration, the nation’s second largest
bank holding company.
Walsh Construction Gets HUD Waiver
In a triumph of common sense
over bureaucracy, the Portland HUD
office announced on Wednesday the
23rd of March 1994, reduced paper
work requirements fora Portland area
contractor who has built 55 multifam
ily projects over the last 20 years with
HUD programs. (The contractor is
Walsh Construction, headed by Bob
Walsh.)
Instead of requiring detailed fi
nancial statements from Walsh con
struction, HUD will use credit report
reviews to determine the credit wor
thiness of Walsh Construction in its
role as a general Contractor. This will
reduce paperwork for both HUD and
Walsh construction and speed multi
family project processing for any
project in which Walsh Construction
is a general contractor.
Portland HUD Housing Develop
ment Director Tom Cusack said that
the waiver was the first of this kind
granted in the nation.
Portland HUD Housing Develop
ment Director Tom Cusack said that
the waiver was a direct result of a
delegation of authority which grew
out of the “reinvent" HUD initiatives
of HUD Secretary Cisneros. Using
this authority, HUD Assistant Secre
tary Nic Retsinas challenged HUD
Field Offices to waive program in
structions that were not contained in
published regulations or the law.
Cusack said, “We couldn 't figure
out why we should keep looking at the
same stuff over and over again when
we had a 20-year history with Walsh
Construction, without any financial
problems.”
According to HUD records, Walsh
Construction has been a general con
tractor for 55 separate HUD projects
over that 20-year period.
A Fund Raiser
To Retain Metro Councilor
Ed Washington
Friday, April I, 1994; 6:00 PM - 9:00 PM
Tickets May Be
Purchased At:
The Brooks Building;
3620 N. Williams,
Portland, Oregon 97227
$20.00
(Suggested Donation)
Ed Washington
This is sponsored by Friends Of Ed Washington Campaign Committee
HAPPY EASTER
Word Challenge
courier zi>-A: messenger. B: favor-seeker. C: weapon. D: torwaid-
artillery observer.
2. vigil N .- A : lengthy search. B: high-mindedness. C: lighted candle.
D: period of careful watching.
3. niggling a d v.-A : squirming. B: stingy. C: petty. D: straggling.
4. sedition JV.--A: withdrawal B: insurrection. C: calming medication.
D: libelous statement.
5. enfilade (en fuh Lade) n .~ A: raking gunfire. B: long valley. C:
smoothness. D: sharpness.
6. baleful a d j.-A : absurd. B: overflowing C: kindly. D: menacing.
7. chary (Chair ee) a d j.-A : kindly. B: smokey. C: confused. D:
cautious.
8. purveyor zi.-A: inspector. B: overseer. C: supplies. D: scoundrel.
9. sum m arily a d v.-A : gruffly. B: promptly. C: thoroughly. D: un
fairly.
10. Secede v.~ A: to replace. B: ignore. C: withdraw. D: win.
11. lickspittle n .- A: fighting spirit. B: greedy person. C: goodappetite.
D: fawning person.
12. enum eration n .-A : itemization. B: duplication. C: significance. D:
questionnaire.
13. reconnoiter (rek uhN oiter) v.— A: to hunt down. B: survey. C: reject
D: rearrange.
14. enormity n .-A : foolishness. B; strong desire. C: grandeur. D: great
wickedness.
15. celerity nb.~ A: fame. B: intelligence. C: swiftness. D: clarity
ANSWERS ON PAGE A6
1.