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About Spilyay tymoo. (Warm Springs, Or.) 1976-current | View Entire Issue (Jan. 22, 2004)
Spilyay Tymoo, Warm Springs, Oregon January 22, 2004 Page 9 Tribal employment Six- Am''- ' Bing BinghamSpilyay During the recent snow storms, a tree fell on the Children's Protective Services building. No one was in the building at the time, and there was no structural damage, though there was possible damage to a heat pump. Indian business Good credit key to By Bruce Engle Tribal Credit support officer Some off-reservation lenders are telling tribal members they only qualify for a 30 to 45 per cent loan to purchase a vehicle. And there are other lenders who won't lend to a resident with a zip code of 97761. Why? Here is a summary of the monthly payments, the total amount of payments required to pay off the vehicle, and the total interest paid over the life of the loan for a $7,000 loan for 36 months. Interest rate of 1.9 percent: ' payments of $199.90; total pay ment of $7,195.70, with total in terest paid in the amount of $195.70. Ten percent interest rate: payments of $224; total pay ments of $8,064, with total in terest paid, $1,064. Twenty percent interest rate: payments of $256; total pyaments of $9,212, with total Ventures company enters new agreement BEND - Cort Directions, based in Bend and owned by the Confederated Tribes, and Vis-, ibility Corp. announced a stra tegic partnership for the manu facturing industry. Visibility Corp. is a leading worldwide supplier of enterprise solutions that help manufactur ers of complex products stream line business processes, increas ing profitability. Through a new agreement, Visibility Corp. will offer Cort Directions human resources management system as part of its enterprise resource planning, or ERP solution for mid-range manufacturing firms. The partnership will provide manufacturing companies with a strong ERP solution and hu man resources management sys tem to help streamline their busi ness processes. Both companies have extensive experience and strong customer relationships in the manufacturing industry. They share similar technology platforms, allowing for easy in tegration between products. Increasingly, mid-range manu facturers are focusing on re source utilization and planning initiatives to insure improved customer service and shortened time to market. Manufacturers with long qcle times can gain higher returns by integrating human resource management systems with their enterprise planning systems. "Cort Directions' products round out our ERP solutions by talk interest paid, $2,212. Thirty percent interest rate: payments of $290, with total payments of $10,437, with to tal interest paid of $3,437. Forty-five percent interest rate: payments of $345; total payments of $12,405, with to tal interest paid, $5,405. Only buyers with pristine credit can qualify for the 1.9 percent interest rate. As a buyer's credit scores go lower, they are forced into higher interest rates and in creased monthly payments, The difference between a 1.9 percent loan payment and a 20 percent loan payment is $56. Only $56 monthly, you say. That's easy, you say. That's $672 a year, we say. What could you do for your family with that money, if you didn't have to spend it for car payments? It gets a lot worse for our members who are having to pay providing a human resource management solution that is so phisticated enough to handle the tough problems manufacturers face," said Stephen Carson, president of Visibility Corp. "Cort Directions has a vari ety of experience in the manu facturing industry and easily handles problems like union pay, apprentice pay, garnish ments, multi-state payroll issues, and piecework," Visibility Corp. provides busi ness solutions to project-based, engineer-to-order, and to-order manufacturers. Cort Directions human re source management systems in clude a full suite of products to manage human capital, includ ing payroll, human resources, and employee self service. Cort Directions currently provides the tools needed to in tegrate the two companies' products while Visibility Corp. is Bring your W-2 Get the car you needl Bring your prepared taxes or we'll have them done locally at our cost. Juniper Auto Sales Madras 475-7137 a good interest rate the top end rates just to get a vehicle. We recently heard from one of our members who was rejected for a 30 percent loan. Another tribal member ran into a 45 percent interest rate and wisely turned it down, Why are tribal members hav ing to pay these ridiculously high interest rates? Is this predatory lending? The lenders say their prob lem is risk management. They say they suffer more losses here than on the outside. They say it is more difficult and more ex pensive to collect delinquent loans here than on the outside. They say Warm Springs laws and the Warm Springs courts don't give them the same kind of protection they get from off reservation courts. They say they have to charge higher interest rates from all borrowers to give themselves a reasonable safety factor because of those who have caused them to lose money. completing work on its business intelligence interface that will provide Cort Directions human resource management systems with dynamic data views similar to the rest of the Visibility ERP solution. "Visibility is accomplished in building remarkable technolo gies to help users understand their business data," said Mark Ohrenberger, president of Cort Directions. "Our two com panies share similar philosophies about extending more useful in formation to management as well as building configurable software that can be set up in a fraction of the time it takes other systems." Both firms have agreed to market their products to manu facturing firms across both cus tomer databases, citing a shared dedication to the customer and to provide business managers with better business intelligence. They say higher rates are jus tified when credit reports for res ervation buyers indicate past credit problems. They say their prediction of future risk of loss on every loan is based on an analysis of the buyer's record of past payment performance and current debt load. They say they have to pay $25 for an informal court hearing and, if they show up but the borrower doesn't, they come away with no payment, no pay ment agreement, and no repos session. '! They say they have also wasted several hours of their valuable time. They also say they have to charge more because they can't get a deficiency judgment if the car has been damaged or has been allowed to deteriorate so much that they can't resell it for what the unpaid debt is. See CREDIT on page 12 About Cort Directions Cort Directions provides software to medium and large sized organizations with complex payroll and human resources tasks. The company has been nationally recognized for excel lence in product and technology leadership, and service quality. Cort Directions is a Warm Springs Ventures company of the Confederated Tribes. J(f CtRKHjili Ohm? Qffuuiti) 10,000 sq. feet of great treasures, new and old, with new items arriving weekly Dealer spaces available for antiques and collectibles R -y -f. C3& Mattress sets, (The following is the recent job opening list. See Amelia Tewee at the Personnel Department to submit an application, or call 553-3262. Also, yon can apply on-line at www.ctm.org. For more details, call the contact per son listed on the advertisement.) Food service assistant, full time, Assists the food service manager in the preparation of daily meals and snacks, Ability to take directions and accept suggestions willingly and cheer fully. Ability to assume duties of the food service manager dur ing absence. Assist with order ing food when necessary. Ob serve sanitary and hygiene pro cedures, wear clean clothing, hair covered or heavily sprayed, per sonal cleanliness, clean finger nails. One year of institutional cooking experience desired, or any equivalent combination of experience and training. Comply with drug free work place poli cies and enroll in criminal regis try. Salary range $1,508.33 per month. Call Nancy Sampson, 553-3241. Public health educator. Masters Degree in health edu cation preferred with two years experience. The Confederated Tribes is recruiting for a full time health educator to direct the tribes' Heath Education Depart ment. Job responsibilities in clude planning and developing health prevention initiatives for the community, conducting health awareness and prevention campaigns and supervising the Extension Oregon State University Ex tension is seeking an agent for the OSU Extension Office on the reservation. "We're advertising very broadly," said Clint Jacks, Jefferson County Extension agent. "We're asking for a per son with a range land degree, animal science, natural re sources, agriculture or closely related field." According to Jacks, this po sition has been specifically de signed to meet current reserva tion needs. Seventy five percent of the new agent's time will be focused on agriculture. The re mainder of the time will be con centrated on developing skills in 4-H and older youth to the age of 25. "We want to be able to develop skills in young people in understanding the natural re sources of the reservation as 4-H has spaces for The 4-H Craft Club has six places available for girls ages 6 13. Orientation for upcoming projects, paperwork and the start of the first project is this Thursday, Jan. 22, from 6 to 8 p.m. The meeting is in the base- - i . new and used. J 0 four staff of the health educa tion department. Saliry Range $44,247 per year. Call James Quaid, 553-3205. Social Services, long-term care administrator assistant, full-time. An associates degree in human development or long term care area. Two years of experience in the health or so cial services field. Long term care administrator certification and related training to fulfill the administrator job requirements. This position is a administrator trainee position directed to even tually take on the directorship duties of I ligh Lookee. The ad ministrator trainee is required to attain long-term care adminis trator job requirements. Salary range $28,000. Call 553-3491. Warm Springs Develop ment Corporation grant writer. Warm Springs Commu nity Development Corporation, a nonprofit, community based, Native American organization, seeks an experienced grant writerdevelopment officer to prepare grants and funding pro posals and secure financial and other resources for successful program implementation. Salary range $26,000 $36,900 per year, with full benefits. Call 553-4922. Forest crew member, one full-time position, two seasonal positions. Call Luther Clements, 553-1146. Fisheries program man ager. Call Terry Luther, 553-2026. seeks agent well as being involved in agri culture," said Jacks. Jacks expects the new Exten sion agent to be involved in the 4-H Club, demonstration range on Sidwalter flat and the feed lot. The position is funded by a U.S. Department of Agriculture grant that has been in operation since 1992. The position will be adver tised for approximately six weeks. The deadline for filing an application will be in the middle of March. When the applica tions have been gathered, a re view committee from the reser vation and OSU will pick the most likely applicants and begin the interviewing process. A new Extension agent should be in place by early summer. Inter ested applicants, contact Clint Jacks at 475-3808 for details. beading, sewing mentkitchen in the Education Building. Work will continue on the projects from 6-8 p.m. on Thursdays through February. Come to the OSU Extension Office to fill out the paperwork. $10 charge for these classes. Furniture, gifts, glass ware, pottery, fenton dealer, Anheuser-Busch dealer for steins & collectibles, dolls drag ons, candles and more Stop in and check us out Lay-aways and credit cards accepted World of Treasures Inc. Second Time Around 178 SW 5th Madras, OR 97741 (541) 475-6991 J I w I If JL 1? T-' f ? ft fP1 pa,,.,,., M
