P age Ab
M arch 1, 1995 • T he P ortland O bserver
Tips On Home free Planting
It doesn't take long after the
coldest days o f winter to turn to
longer days, warmer temperatures
and sard work at home.
Even now, nurseries are begin­
ning to stock up on new plants and
shrubs for the upcoming growing
season. In some areas, roses alreadv
show new growth and a faint hint of
a bud can be seen on some flower­
ing trees
If planting a new tree seems
like a good idea this year, a little
advanced planning should save time,
money and ultimately the inconve­
nience of being without electricity
due to contact with overhead or
underground power lines.
Pacific Power m anager Carl
Talton says the operators o f lo­
cal nurseries generally can sug­
gest the right tree for ju s t about
any location.
"At maturity, many trees will
grow right into overhead wires,"
Talton said. "Then, regular trimming
is required to keep branches from
causing service interruptions."
Selecting a tree with a mature
height of less than 20 feet is recom­
mended for ares where overhead
wires are nearby.
Before selecting the exact loca­
tion for the tree, make certain there is
no underground utility service in
the area where you will dig Never
assume that underground service is
buried lower than you plan to dig.
"Property placement of trees
can add value to your home, help
reduce heating and cooling costs
and conserve water, air and soil as
well as provide hours of pleasure,”
1 alton added. But a poorly placed
tree can cause extra expense and
even physical danger if planted in
the wrong sport.”
More information on the right
tree for the right place is available
at most nurseries, or by contacting
the local Pacific Power office.
Sabin Duplex Opens For At-Risk Families
A new duplex to provide hous­
ing for low-income families has been
completed in the Sabin neighbor­
hood of northeast Portland
The duplex at the comer o f 11 th
and Shaver was financed by the Sab­
in Community Development Corp
tor families at risk o f homelessness.
Each 3-bedroom apartment will
house families who would otherwise
be displaced from the area by in­
creased rents. The units will be kept
at below market rents and families
will receive assistance in finding
additional rent money if necessary .
The duplex was built as a result
of private and public partnerships.
The land was donated by the city
and the construction was financed by
loans from the Portland Develop­
ment Commission, the Enterprise
Foundation and First Interstate Bank.
The Oregon Housing Trust Fund and
the Bureau of Community Develop­
ment provided grants to keep the
project affordable.
Ken Mohbolt-Siebert of Port­
land Community Design designed
the apartment and the Housing De­
velopment Center provided volun­
teer technical assistance. The North­
east Workforce Center built a re­
training wall with donated labor. R &
R Energy Resources was the con­
tractor.
Sabin Community Development
Corp, is a grassroots, non-profit af­
fordable housing developer that op-
erates in inner northeast Portland.
Since 1993, it has completed eight
units of housing with 24 other units
in various stages o f development.
In ad d itio n to rental p ro ­
grams for fam ilies below 50 per­
cent m edian incom e, the corpo­
ration started the Ujima project
which provides service enriched
housing to women re-entering the
com m unity from drug and alco ­
hol addiction treatm ent.
The organization is also devel­
oping a rent-to-own project which
will provide home-ownership oppor­
tunities to low income families and
individuals. The first rent-to-own
house is scheduled to be ready next
summer.
Oregon Manufactured Home Show
Highlights Energy Efficiency
Three homes at the Oregon
Manufactured Housing Association's
(OMHA) 1995 Home Show, March
I -5 at the Oregon State Fairgrounds
and Expo park in Salem, feature ap­
pliances that are included in a new
statewide Department o f Energy pro­
gram designed to promote energy
efficient home appliances. The pro­
gram, the first of its kind in the na­
tion, kicks off with a media confer­
ence during the Show's Industry Days
on Tuesday , February 28 at 10 a.m.
in Columbia Hall at the Oregon State
Fairgrounds in Salem.
Christine Ervin, Assistant U.S.
Secretary of Energy for Energy Effi­
ciency and Renewable Energy, will
lead the conference. Ervin is the
former Director of the Oregon De­
partment of Energy. Governor John
A. Kitzhaber and representatives
from electric utilities, Northwest
Natural Gas, OMHA. Oregon’s Con­
gressional Delegation, and the state
legislature are invited to the confer­
ence.
The new program is a co o p ­
erative effort between the O re­
gon D epartm ent o f Energy , the
U.S. D epartm ent o f E nergy, state
electric u tilities, Oregon m anu­
factured home builders and deal­
ers, and the appliance industry.
The three homes featured at the
H om e S how w e re b u ilt by
S ilv e r c r e s t,
M a r le tte
and
G uerdon and offer a package o f
highly efficient home applianc­
es, such as refrigerators, dish­
w ashers. ovens, ranges, clothes
w ashers, dryers, water heaters
and lights.
In addition to these three homes
on display at the Home Show, the
Oregon Department of Energy will
display the energy efficient appli­
ances included in the new program.
State utilities plan to promote the
program by offering incentives to
home buyers to offset pan o f the
appliances' cost. It is anticipated that
as many as 4,000 home buyers could
install energy efficient appliances
under this program during the next
year. The program is being tested in
Oregon and is expected to expand
nationwide.
Home Show hours are Wednes­
day through Saturday, March 1-4,
10a.m.-9p.m. and Sunday, March 5,
10a.m.-6 p.m. Admission is $5.50
for adults, $5.00 for seniors (over
65) and $4.00 for youth aged 9-16.
Children 8 years old and younger
will be admitted free.
IFYOU NEED HELP
BUYING
A HOME,
WE'LL LEND YOU
A HAND.
O w ning a hom e can be m ore than just a dream . To find out
how, give W ashington M utual a call. If you qualify for o ur special
hom ebuyer assistance programs, we can help open a few doors.
Help Available To Families
Facing Foreclosure
z •
a\
The Northwest Area Founda­
tion has awarded the Portland Hous­
ing Center a $75.000 grant to con­
tinue the Mortgage Foreclosure Pre­
vention Program for an additional
18 months. The program serves low
income homeowners in Multnomah
County who face foreclosure due to
missed mortgage payments or de­
linquent taxes.
"We see a number of families
who have lost their jobs, or who
have gone through a recent divorce,”
said Peg Malloy. Executive Direc­
tor. “
They cannot make their house
pay ments, and are afraid that their
monthly payments would go up if
they were forced to move into an
apartment."
The Housing Center also targets
elderly homeowners. “We see a num­
ber of senior citizens who have been
in their homes for several decades,”
according to Richard Mel ling, a coun­
selor with the program. “Many find
that they are having a difficult time
making ends meet, and are not aware
of some of the programs that are able
to help.”
The Northwest Area Founda-
tion's grant will allow the Portland
Housing Center to continue to pro-
vide counseling, negotiating with
lenders, and financial assistance. In
certain situations, the Portland Hous­
(!0!) Washington Mutual
The friend of the family*
ing Center can provide zero inter­
est, no payment, loans of up to
$4,500 to bring a mortgage, con­
tract, or property taxes current.
Financial assistance is only
av ailab le as a last resort to
homeowners who fell behind for
reasons beyond their control, and
who can show that they will be able
to keep up with their payments in
the future. All applicants for finan­
cial assistance must be approved by
program staff, and a volunteer loan
committee.
Homeowners facing problems
with their mortgages or property
taxes can call the Portland Housing
Center a 282-1297.
1 -8 0 0 -7 5 6 -8 0 0 0
©
Equal H o u s in g Lender
FD IC Insured
to
1.
2737 NE Martin Luther King Blvd.
Portland, Oregon 97212
2.
Be sure to include your money order or
personal check in U.S. dollars for $625.00 or
more (in increments o f $600) made payable
to American State Bank. Receipt o f funds
opens a savings account in your name Each
increment o f $600.00 deposited in your
savings account establishes a $500 line of
credit for you.
3.
Your new VISA card w ill arrive within three
weeks. If your request is denied for any rea­
son, you w ill receive all your money back,
including the $25.00 application fee.
P re v e n tin g Ice D a m s On Your R o o f
: ÿj
•ft
' >•
(NAPS)—The colder months are
often the most beautiful, with snow-
covered lawns, snowmen and ici­
cles. While pretty to look at, snow
and ice can wreak havoc on homes.
One of the most common prob­
lems caused by winter weather is
ice dams. Ice dams are build-ups of
ice at the lower edges or eaves of
roofs and in gutters. They are
formed when heat from inside a
home escapes into the attic and
through the roof decking The eaves,
or over-hangs, stay as cold as the
outside air even when the upper
portion of the roof is warmed by
heat escaping from the house.
Snow then melts on the upper roof
and runs downward to the eaves
as water. When it reaches the cold
eaves and gutters, however, it
refreezes and the ice builds up.
The result is water backing up
under the shingles, where it soaks
through the wood decking and into
the attic, causing damage to ceil­
ings and walls.
If you see ice build up on your
roof, or vour roof has no snow on it.
but your neighbor s does, you could
have a problem. There are two
things you can do. First, make sure
your attic is properly insulated to
today’s energy standards to mini­
mize heat escaping through the
ceiling and, second, check your attic
ventilation to make sure it can
allow heat and moisture to escape.
If your attic insulation was
installed before the '80’s, chances
are it does not meet today’s energy
standards. To have more insula­
tion installed, consider calling an
insulation contractor. Look for one
in the Yellow Pages or ask friends
and neighbors for references. An
insulation contractor will inspect
your home and tell you where and
how much more insulation you’ll
need. Then he’ll recommend high
quality products like CertainTeed's
Insul Safe III Fiber Glass Blown-
In Insulation. Insul Safe III pro­
vides high thermal efficiency and
total coverage, including all nooks
and crannies and tight eave areas.
In addition to proper insulation,
effective air movement is impor-
LISCENSED IN OREGON SINCE 1975
SinglesA Seniors, lean helpyou!
George A. Hendrix
MBA. GRI. Broker
4
You can now get your
own VISA CARD
• BAD CREDIT
Dad’s
C>EDÍTJXSCLQS VR£S Application P k >23, Aaoual Pt/ccatMr Rar 11%. Late
PayTTuta P m >13; A mmb J Merrbenhip Fat >43 Caah Advance Fae 15 ar 2% wtvche*w
0 ” f » L « b ' F « J U O w Nnod 25 d .n W , a r -h. . , 2 » X u l r
« n «
M ttlo d to e n t r a ta « rh « ha*------
SECURED VISA APPLICATION I SAVINGS ACCOUNT AGREEMENT
Service
Speedy Service
Friendly Call
For Quote
Name.
Address
C ity:___
Home Phone (.
State
-)-
Name of Employer:____
(503) 230-1390 • (Res.) 287 6837
(503) 282-2216.
• LOW INCOME
A -Z E B R 1
3OO NE Multnomah, Suite #27
Portland. Oregon 97232
Call our Bankcard Department
• BANKRUPTCY
Social Security Number
Realty Inc.
QaeaHtaM.-
• NO CREDIT
“1st Class Guarantee"
RMLS 1=F
•*
v¡¿
tant in an aitic as well. Efficient
attic ventilation will help draw any
heat lost from the interior of a
home up and out of the attic so
that the underside of the roof deck
is not heated. Make sure your
home has a ventilation system con­
sisting of gable, roof or ridge vents
combined with eave vents or a
power (mechanical) ventilation sys­
tem. Also, while you are checking
out your vents, make sure they are
not blocked or covered, which
would reduce effectiveness.
Complete, sign and mail the Application/
Agreement below to:
Am erican State Bank
V IS A
CARD
; •* ’
Q r 'ifc p fy :'
heating oils
Best Cash Prices
104 NE Russel
Portland, OR 97212
282-5111
-
Work Phone (.
Birthdate
M y cback o f (noi lem than Î 6 2 Î 00)
u enclosed
Y u , I wan! io open a V IS A account I undamand that the m a n ti u v m | i account al American Stale Bank will
t at collateral for my Secured V IS A account and it tally ineurad by FD IC .
Signature
Date
American State Bank, Portland, Oregon • Member FDIC
Zip