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Business
Camp Rosenbaum celebrates 30th anniversary
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bù J uv R amus
T h is y e a r, C a m p R o sen b au m
celebrated its 30lh anniversary at the
Oregon A ir National G uard’s Camp
Rilea in Astoria. For three decades, it
has been a model camp o f national
recognition, serving thousands o f
poor and underprivileged 9-11 year
old kids from Housing Authorities
throughout the state (Portland, Salem,
Y a m h ill C o u n ty , W a sh in g to n
C o u n ty )
and
V a n c o u v e r,
W ashington.
The youths are randomly chosen by
th e ir H o u sin g A u th o rity and
predominately come from low income,
single-family homes.
The outpouring o f love and pure
altruism by 150 volunteers from the
Oregon AirNational Guard, Portland
P o lic e B u re a u , an d H o u sin g
Authority to the young campers made
it a memorable experience for all
concerned. As Frank Rosenbaum,
founder o f the camp explained in his
talk with the kids, “W e are dedicated
to your welfare, dedicated to your
future. The men and women who are
here are here for one reason only: the
world out there loves and cares for
you.” W hile at Camp Rosenbaum,
the kids were treated to outings and
activities that some have never tried
before like fishing, horseback riding
or b u ild in g a sandcastle. T heir
itinerary included field trips to such
nearby sites as Fort Clatsop and the
Seaside Aquarium.
C o rp o ra te sp o n so rs like N IK E
generously donated sportswear and
shoes to all o f the campers. Other
company donations included leather
crafts and backpacks full ofback-to-
school supplies. The volunteers who
served for the week kept their true
profession(s) under wraps from the
kids until the end o f their stay. This
allowed the campers to relate to the
adults intim ately and prevented
negative stereotypes about police
o ffic e rs, m ilita ry o ffic e rs and
g o v e rn m e n t b u re a u c ra ts from
inhibiting their budding relationship.
Camp Rosenbaum has for 11 years,
forged a unique partnership with the
David Labovitz
SR. Loan Officer
Mortgage Market, INC
tQKracTURILAMiIiBhtlt\£K
What are Points?
It is important to know what points
are. A point is a percent o f your loan
amount that is charged to you. Not all
lenders charge points. A good lender
will offer you a no point loan. Not all
who charge points do it in the same
amount. You can shop around on
points. Ask questions, it is your loan
and your money!
How much are points? You can figure
it out! If your loan amount is $ 100,000
and if you’re being asked to pay 1
150 Housing Authority' kids throughout the state and in
Vancouver, Washington were treated to a week-long stay at
Camp Rosenbaum in Astoria.Photo by Damon Hardwick
Portland Police Bureau. Volunteers
like Officer Barnum and Officer Bruce
Prunk like to return yearly, devoting
their time and attention to be with the
kids. Officer Barnum o f the Portland
Police fondly calls the kids his
extended family. During an awards
ceremony for the volunteers, Barnum
was honored forbeing an exceptional
role model and dedicated to the welfare
o f the campers. He tearfully showed
his heartfelt gratitude and explained
about the “high” he gets when fondly
recognized as “Hollywood,” his camp
nickname by kids while on the job
driving through the streets ofPortland
as a traffic cop.
Officer Bruce Prunk, also a pilot for
the Oregon AirNational Guard, related
compassionately about the camp kids
that they genuinely care about them.
Frank Rosenbaum, founder o f the
camp recalled to the audience how
the camp originated, starting off
m odestly by taking on only 60
Housing A uthority kids, several
Oregon Guardsmen volunteering and
a few kites and footballs, making the
most of the camping experience. Thirty
years and thousands o f campers later,
C am p R o se n b a u m has grow n
considerably to accommodate 160
kids in the care o f 150 camp volunteers
in what has been recognized as one o f
the best camps in the country.
Camp Rosenbaum has for years relied
on generous cash/gi ft donations from
the government, military, private
organizations and corporations as a
means o f self-support. Expanding
their operations to include more kids
or extend their stay is difficult due to
their limited resources. The cost for
each to be at camp for an entire week
is $160.
T he
R o sen b au m
n o n -p ro fit
organization effectively raised $85,000
in January to cover this y e a r’s
expenses. To offset their ongoing
financial problems, theiroverall goal
is to have an annuity fund in place
within 2 years that would pay for the
continuance o f Camp Rosenbaum
and keep it financially stable.
New building code rules speed plan
approval and appeals
C U SIB iaU tD ilU R l
fOH T he P or ilanp O bslkv lr
you spent to have the lower rate. As
an example, if you can save $25 a
month by paying a discount fee of
$500, it will take you 20 months of
saving $25 a month to equal the $500
that you paid to have the lower rate.
plan-review process is that if a
building department cannot meet the
new plan-review deadlines, the
department is required to supply to
the building contractor a list o f three
in d e p e n d e n t th ird -p a rty plan
reviewers that can complete plan
reviews within the deadline. Third-
party plan reviewers, who have long
b e e n req u ired to h o ld sta te
certification, must be licensed under
th e second p h ase o f SB 587
implementation, effective October 1,
2000. The chief electrical inspector
position has existed since 1981 and is
believed by BCD officials to have
c o n trib u te d to c o n s is te n c y o f
electrical-code interpretation and
resolution o f issues. Establishment
o f a d d itio n a l c h ie f-in s p e c to r
positions for building code gives
building contractors another avenue
for appeals related to building-
specialty disagreements with city or
county building
department. Local
ju ris d ic tio n s
collecting fees for
administration o f
s p e c ia lly - c o d e
p e rm its
are
required under SB
587 to use the fees
fo r
b u ild in g
in s p e c tio n
programs.
Builder o f residential dwellings and
about 130 city and county building
departments should soon begin to
notice the effects o f SB 587’s July 1
first-phase implementation.
The bill was passed last legislative
session in response to building-
industry concerns about such issues
as b u ild in g -c o d e in te rp re ta tio n
inconsistencies and slow plan-review
processes. On effect o f SB 587 is that
the state has established a definition
for “ sim ple residential.” O nce a
builder's plan is determined by a local
building department to be simple
residential, plan
review must occur
within 10 days if
th e
c i t y ’s
p o p u la tio n
is
under 300,000; if
the population is
300,000ormore the
plan review must
occur w ithin 15
days.
B u ild in g
d e p a rtm e n t are
allowed three days
in which to make
the determination
of
“ sim p le
residential” and let
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Now you can decide ifa nearly 2-year
wait is worth it to you. It’s your
decision. T hat’s it for points. If you
have any suggestions for future
articles, please let me know at 234-
5160oremailatdavidl@teleport.com.
Come visit us on the web at
www.portlandobserver.com
i ■■ ■ Tri-Met is hiring bus drivers.
COME FOR THE BENEFITS
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point as an origination fee, that comes
to $ 1,000 that you just paid. (1 % = .01
in decimal, and .01 multiplied times
the loan amount o f $ 100,000=$ 1,000.
It is easy, do it on a calculator.) 2
points would be $2,000.
Points come in two forms: Origination
Fees and Discount Points.
Origination fees is an opportunity for
you to pay for the service offered by
your lender. Watch out here. Should
you pay 1 point for a $100,000 loan
and someone else pay 1% for a
$200,000 loan? There is the same
amount o f work done for each loan,
but the fees are higher for the higher
loan amount. Why not .5 points for
the larger loan amount, and 1 point for
the lower loan amount? Do the math
and y o u ’ll see th at each loan
generated $ 1,000 in fees.
Discount points are used to attain for
you a lower interest rate. Remember
that a bank is less thrilled about
‘selling’ you the money at a lower rate
than perhaps a juicy higher interest
rate. So how do we compensate a
bank to give us a lower rate? We pay
them! This is called buying down
your rate. It is a percent o f your loan
amount charged for the lower interest
rate for the life o f the loan. Is it worth
it? Ask your lender to do a break even
analysis for you. A competent loan
officer will take 1 minute and tell you
when the amount o f money that you
spent for a lower rate equals the
amount o f money saved by buying it
down. Sounds complicated? It tells
you how many months o f saving
money at your lower interest rate are
needed to equal the amount o f money
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T n -M tt is an equal opportunity employer a n d drug-free workplace employer.
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