O ctober 19, 1994 • T he P ortland O bserver
P age A6
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Key Bank Earns Rating For Home
S e r io u s S t u d y R e q u i r e s
Key Bank of Oregon has earned
an outstanding rating from the Fed
eral Deposit Insurance Corp, for its
lending practices in Oregon, includ
ing low and moderate neighborhoods.
The bank was cited for its efforts
to assess the needs of local commu
nities and to develop financial prod
ucts to meet those needs.
Home improvement and repair
loans were specifically mentioned as
examples of successful business prac
tices.
Key Bank has helped solve hous
ing related credit needs through its
involvement with the Network of
A S e r io u s W o r k S e t u p
(NU) - Following a summer of
fun. few children look forward to
evenings spent memorizing vocabu
lary words and solving math prob
lems. But studies show that home
work has a tremendous influence on
a child's academie success.
It not only reinforces academic
skills, it teaches self-discipline and
self-direction, cultivates good work
habits, and fosters initiative.
Parents have a role in homework,
too. Your most important assign
ment is to encourage learning by
providing an environment that mo
tivates children to become indepen
dent, self-reliant, responsible stu
dents.
Here are some suggestions tor
creating a productive learning envi
ronment at home.
• Time. Show children the im
portance of education by devoting
time every day to learning.
Even if they have no homework,
set aside 10 to 20 minutes a day for
reading together, writing letters or
discussing the day's classes.
• Place: Create a serious study
environm ent and equip your child
with the necessities to become a se
rious student. If possible, each child
should have a desk of his or her own.
With today’s inexpensive ready-to-
assemble (RTA) furniture, that goal
is easy to achieve.
For instance, RTA desks front
Sauder Woodworking, the world's
leadine manufacturer of RTA furni-
News USA
This ready-to-assemble computer desk and bookcase from
Sauder Woodworking creates a good working environment.
ture, are priced as low as $30. And
Sauder's precisely engineered com
ponents and carefully written in
structions make assembly so easy
kids can build their own learning en
vironments.
• Equipment: Outfit the area with
all the necessary tools — a dictio
nary, thesaurus, calculator, pens,
pencils, paper clips and a stapler.
Having the right materials readily at
hand reduces distractions and makes
the child feel fully prepared to tack
le homework.
A bookcase or desk with hutch
provides accessible storage for ref
erence resources to help children
solve problems on their own — with-
out relying on your help.
• Space: Create both psycho
logical and physical space for seri
ous studying. Honor homework time
by establishing periods of quiet
throughout the house and eliminat
ing TV and phone calls during a mu
tually agreed upon time
Also, honor a child's physical
needs by supplying a work surface
that provides room for both study
materials and elbows.
• Lighting: Strong, direct illu
mination is especially important to
successful studying. It reduces eye
fatigue and visually defines the
work area, helping children focus
their attention.
The National Council
of Negro Women
Tri-County Section
Oregon Affordable Housing, Habi
tat for Humanity, Project Down Pay
ment, Albany Partnership for Hous
ing and Community Access, Eman
uel Neighborhood Ownership Pro
gram and the Homebuyers Enrich
ment Loan Program.
The bank also was recognized
for its role in the purchase of limited
partnerships from non-profit organi
zations to build and manage low-
income housing. The support resulted
in the availability of approximately
600 units of low-income housing.
The bank and its employees have
also been involved in community
activities, including a partnership
with the Urban League of Portland to
provide summer jobs. An annual
Neighbors Make The Difference Day
is held as employees and bank offi
cials donate an afternoon to do vol
unteer work in the community.
Key Bank of Oregon with
more than $2.7 billion in assets
and 85 branches is a subsidiary
o f Key Corp, one of the largest
bank holding com panies in the
U nited States. H eadquartered in
C leveland, Ohio, the com pany
has more than 1,300 branch and
affiliate offices in 23 states.
Home Plumbing Can Contain Harmful Lead
Even though there is little if any
lead in Portland area drinking water,
there can be lead in consumer plumb
ing systems.
Portland's Bull Run water sup
ply which serves most of the Port
land metropolitan region, is virtually
lead-free. However, this high quality
water is slightly acidic and soft, and
consequently, more corrosive. This
corrosive quality could affect con
sumer plumbing systems that con
tain lead, such as those with lead-
soldered copper pipe.
In cooperation with Environ
mental Protection Agency guidelines, poses.)
♦Use only cold water for cook
the Portland Water Bureau and other
ing,
drinking
and making baby for
water providers have prepared edu
mula.
Hot
water
is more corrosive
cation materials which will be sent to
than cold and is more likely to pick
customers with their water bills.
All water utilities agree the best up contaminants from pipes, water
advice for protecting consumers from heaters and faucets.
♦When making plumbing re
lead in plumbing systems are:
pairs,
use only lead-tree solders.
♦Use fresh water for cooking
Using
lead
solder in plumbing sys
and drinking. Run the water until it s
tems
is
against
the law, and contrib
cold. If you haven't used your water
utes
to
lead
in
drinking
water. (Lead
for 6 or more hours, this allows fresh
water from the main to enter the solders are still available tor uses
system. (This water can be used for such as making stained glass.)
non-cookina or non-drinkina pur
DREAM S
F O R SA LE.
Black Tie
Formal Affair
Dinner and Dance
November 19,1994
7:00 pm to 1:00 am
I l y o u 'v e a l w a y s h a d t h e d r e a m
Shenanigan’s on the Willamette
4575 N. Channel - Swan Island
o f o w n in g y o u r o w n h o m e , y o u r
$35 donation
d re a m
For more information contact
Ms. Thomas 284-2132
or Mrs. Davis 289-0549
m a y h a v e ju s t c o m e tr u e .
F o r a s l i t t l e a s y o u ’r e p a y i n g in
Live Entertainment, Proceeds to beni/it
m o n t h ly r e n t a n d a m o d e s t d o w n
the Mariah litylor Community Health Clinic
anti Ollier Community Projects
p a y m e n t , y o u c o u ld b u y a H U D H o m e . T h a t 's r ig h t . T h e
U S . D e p a r t m e n t o f H o u s in g a n d U r b a n D e v e lo p m e n t
r
HOftwesr mop iOA'.F.
H. Francene Grewe
Branch Manager
Sales Representative
S'orwest Mortgage. Inc.
825 S'E Multnomah
Portland. OR 97211
Office 503-235-1940
FAX 503-235-1948
Pager 503-635-1622
T H E D REA M O F O W N IN G Y O U R O W N H O M E C A N C O M E
T R U E FOR A B O U T W H A T Y O U ’RE PA Y IN G IN R E N T .
( H U D ] h a s p r o g r a m s t h a t m a k e o w n in g a h o m e e a s ie r
t h a n y o u th in k . P r o g r a m s t h a t
-
w ill e v e n h e l p y o u c o v e r m o s t if
n o t a ll o f y o u r c l o s in g c o s t s .
If y o u ’d lik e m o r e i n f o r m a t i o n
LISCENSED IN OREGON SINCE 1975
Singles A Seniors, I can help 1 y ° u!
a b o u t t h e h o m e y o u 'v e a l w a y s
“ 1st Class Gaurantee”
d r e a m e d o f, c o n t a c t y o u r r e a l
A-ZEBK^
□
Gecrge A. Hendrix
MBA, GBI. Broker
rmls
ÊT
Realty Inc.
300 NE Multnomah, Suite #16
Portland, Oregon 97232
(503) 230-1390 • (Res.) 287-6837
e s ta te a g e n t
Or
fo r a fre e
b ro c h u re o n h o w to b u y a H U D
h o m e , c a ll 1 - 8 D Ü - 7 6 7 - 4 H U D
T h e r e ’s n e v e r b e e n a b e t t e r
t i m e t o f o l l o w y o u r d r e a m , b e c a u s e n o w y o u c a n a f f o r d it.
J.L.S. Lawn Service
office: 503-335-0263
pager: 503-940-7721
Estimates
tsi
W E’LL HELP YOU O W N A PIECE O F AM ERICA
To qualified buyers only on homes with FHA insured financing Closing coets and lees additional