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.
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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
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