E Coosh EEWA: The W3y it is
Model
N8TV
By Duran Bobb
M ariah W atchm an is th e
buzz in Indian Country, and for
a good reason.
H av in g g ra d u a te d fro m
Nixyaawii Char
te r S ch o o l in ( ' ' "
.’i
2009, she is the
Spilyay
first
N a tiv e
Speaks
American contes
tant to appear on
the hit show, America’s N ext
Top Model.
Mariah, 20, is a tribal mem
ber o f the Umatilla Reserva
tion. She is scheduled to make
a special ap p e a ra n c e th is
Wednesday evening, March 7,
at Wildhorse Resort and Casino
in Pendleton.
Mariah will walk the red car
pet, pose for photographs with
her fans, host an autograph ses
sion, and be available for ques
tions and answ ers at 9 p.m.
'Doors will open at 7:30 p.m.
“I can’t wait to be home in
Pendleton with all the people
who have shown me such com
passion and support since the
very beginning o f my journey,”
she said. “Being back on the
reservation is a reunion long
past due. They are my family
and my fam ily is w here my
heart is. My family is the rea
son I am able to stay strong and
focused on achieving my goals
and dreams.”
Mariah has family in both
Pendleton and Warm Springs.
Several tribal members w ent to
Chem aw a w ith h er p aren ts,
Lindsey and Cynthia.
A t the age o f 15, M ariah
began h er m o d elin g career
whep she signed with IMD, an
agency based in Medford.
Since then, Mariah has se
c u red w o rk w ith Seventeen
m ag azin e, N o rd s tro m and
Delia’s teen fashion catalog.
H er true passion, however,
lies with basketball. “I ’m still
ballin’ once or twice a week.”
U nder contract, Mariah, is
unable to disclose just how far
she made it into the N ext Top
Model Cycle 18 competition.
In th e show, c o n testan ts
compete against former contes
tants o f “B ritain’s N ext Top
Model.”
Mariah stunned producers
at the call-back auditions in Los
Angeles when she began speak
ing her Native language.
Mariah hopes to one day be
gin her ow n fashion line o f
clo th in g called N8TV. She
would also like to begin visiting
reservations, participating in
youth leadership workshops.
America’s N ext Top Model
C ycle 18 airs o n th e CW
Wednesdays at 9 p.m.
Pgge 4-
Spilygy Tymoo Mgrch 7, 2012
Letters to the Editor
Blanket winner
C o n g ratu latio n s to C lara
A rth u r, w in n e r o f th e
Pendleton blanket. This is from
the fundraising luncheons which
were ongoing, April 2011-Janu
ary 2012, to benefit the 2012
Lincoln’s Birthday Powwow and
th e atw ai L a ritta G re e n e
Womens All-Around Special.
T hank you, everyone, your
su p p o rt is truly appreciated.
Please see or call me at 541-553-
3290 to claim your blanket.
B eg in n in g in A p ril, th e
fundraising luncheons will begin
once again for the 2013 Pow
wow special. Please watch for
notices each month.
Anna Clements.
Drunk driving
There are many dangers o f
drunk driving, n ot only for driv
ers b ut also for pedestrians, ani
mals, also the indigenous plant
life. I have seen a lot o f haz
ards and dangers around vari
ous communities, cities and ru
ral areas.
As a person who is strongly
against drunk driving, I encour
age the people about their safety.
Safety starts with first buckling
your seatbelt, and also sobriety.
Under the influence there’s no
telling what any outcome may
occur, injury, maybe even death.
Many outcom es may come
into effect as a result o f drunk
driving: broken hom es, child
abuse, abuse, violence, pollution
(broken bottles), breaking the
law, D UI, manslaughter, jail time,
all o f these negative outcomes
and results o f bad situations and
decisions o f under the influence
o f intoxicants.
N o t only are you responsible
for your own life when you’re
behind the wheel, but also your
passengers and other drivers on
the road.
T here are many program s,
organizations and laws now set
in place as a result o f drunk
driving. There are many exist
ing programs and resources on
and around the reservation for
individuals in need o f this type
o f assistance in dealing with al
coholism. It would be pertinent
and highly recom m ended to
enroll for help before any o f
these dangers and situations oc
cur. There are many resources
available o u t there, b u t some
people don’t take the initiative
to utilize their opportunities.
Sometimes people are scared
to ask, b u t if it’s becom ing a
problem you should always have
som e su p p o rt from eith er a
good friend or relative.
E ither way you spin the situ
ation, making decisions while
you’re under the influence o f
Spilyay Tym oo
(Coyote News, Est. 1976)
Publisher Emeritus: Sid Miller
Editor: Dave McMechan
Reporter: Duran Bobb
Advertising Director: Yvonne Iverson
Media Advisor: Bill Rhoades
Spilyay Tymoo is published bi-weekly by the Confeder
ated Tribes of Warm Springs. Our offices are located at
4174 Highway 3 in Warm Springs.
Any written materials submitted to Spilyay Tymoo
should be addressed to:
Spilyay Tymoo, P.O. Box 870, Warm Springs, OR
97761.
Phone: 541-553-2210
Advertising: 541-553-2307 or 541-325-1089
E-Mail: dave.mcmechan@wstribes.org.
Annual Subscription rates: Within U.S.: $15.00.
intoxicants can turn out any way.
There’s no telling what may hap
pen. Especially if black-out oc
curs, then you’re on auto pilot
and have no control over your
actions, and th a t’s w hen you
need to refer to the counseling
an d /o r various options there are
for alcoholism.
A very concerned tribal mem
ber, respectfully,
Kelly Muniz Wewa.
Tourney thanks
T he W arm Springs Indian
Holiday Bowling Tournam ent
Committee would like to send a
Thank-You out to the following
people and businesses that have
helped make this tournam ent a
big success. Thank you, spon
sors:
Urban Ross, Paula Kalama
and kids, B lack B ear D iner,
Madras Auction, DMJ A utom o
tiv e, K ris S am p so n , B obby
Begay, the Queahpama sisters,
Mike Collins, Leonard Ameri
can Horse, Lola Sohappy, and
Raymond and Buelah Tsumpti.
Lincoln’s Pow-wow commit
tee, Charles “Jodi” and Marie
Calica, Howie A rnett, C liff’s
A uto Repair, Lisa Lomas, The
O u tp o st o f Madras, Reynoso
o f Madras, the Rialto Tavern
o f Madras.
Warm Springs Indian
Holiday Bowling Tourna
ment Committee.
From Eugene
I ’ve lived in Eugene for many
years now, and I really like it.
Awareness is what I’m learn
ing now. We should all be aware
o f our safety and what we say
and w ho we can tru st saying
anything to.
We should also be aware o f
our surroundings.
I ’m a big Oregon Ducks fan.
My n ex t d o o r n eig h b o r A n
thony Ireland M artinez is an
OSU Beavers fan. I tell him,
“Com e on, Tony, you live in
D uck city, Eugene, O regon.”
B ut still he w o n ’t change his
mind.
W hen th e O reg o n D ucks
w on the last Rose Bowl in Pasa-.
dena, he says his heart was bro
ken and he was crying terribly.
H e has the same address as I
do but he’s in apartm ent 2, if
anyone w ould like to write to
him. G o for it! Smile!
Evette Patt, apt. 3,50 K ourt
Dr., Eugene, O R 97404.
Birthday Wishes
Happy birthday to our family’s
quiet, gentle spirit - Travis Reid
Bobb (3 /10). You are a soul of
very few words, but you have taught
us much about the strength of
thoughtfulness. Thankyou fo r shar
ing your thoughts and dreams with
us through your amaqing artwork.
Son, brother, inspiration, and friend.
Hove, Mom, Dad, Bobbi, Freddie,
Amy, Michael, Kendall, Baby Jessie
Bobb, Ron, and the lilguys.
H appy birthday Nana,
D iana
L averne-F rank-
F elix. W ith m uch love,
Myrna and Family, Lillian
and Family, Carol and Fam
ily, P riscilla and Family,
Annette and Family.
Pageant finalist
My nam e is D e m e tria
Smith. I am 14 years old, a
freshman at the Madras High
School, and an enrolled mem
ber. o f th e C o n fe d e ra te d
Tribes o f Warm Springs.
I am a state finalist run
n er in N ational A m erican
Miss (NAM) Oregon. I am
seeking local sponsors for my
pageant fee o f $500, needed
b e fo re th e en d o f th is
month.
Each business who spon
sors me will receive a tax de
duction, as well as being na
tionally recognized by NAM
Magazine, flyers and so on.
My goal being Miss O r
egon is to be a positive role
model for my peers, showing
them to follow their dreams.
W hen I get older I would
like to be an actress as well
as o p e n m y ow n sh e lte r
hom e for the homeless.
I myself know w hat it is
like to struggle and be with
out, and if I could save any
one else from going through
tough times, that is what my
goal will be.
As far as acting goes, I
love to make people smile!
We five in a society where
drug addiction, alcoholism
Happy Birthday to Dad, on
March 12. Hove, from Dave and
Cheryl.
Happy birthday, Cookie
Monster (Joelden)! Much
love, Mom, Aurel, Darlene,
Tina, Reona, and the rest!
and early teen pregnancy ex
ist. I have chosen not to take
that path in life but also not
to judge anyone by their life
choices but give them hope.
Being Miss Oregon is im
portant to me because I feel
I have the right attitude in
being a positive role model.
Your donation or sponsor
ship will help me achieve this,
and will be greatly appreciated.
I am ready to move forward
and chase my dream, because
dream s d o n ’t chase th em
selves!
Thank you so much.
Demetria Raye Lynn
Smith
(Anyone willing to donate call
Pam a t 5 4 1 -3 2 5 -1 1 8 2 .
Donations are needed by March
30. The pageant is May 28-29
in Portland,)
s'
T hank you for w riting
to th e Spilyay T ym oo.
The next deadline for sub
missions is Friday, March
16. T hank you!
v
Indian Business Talk
Thoughts on costly borrowing, and good business plans
By Bruce E n g le
Loan officer
W.S. Credit Enterprise
Payday lenders. C ar title
lenders. Banks that offer “di
re c t d e p o sit ad v a n c e s” o r
“checking account advances.”
D o not borrow do these un
less there is no other option:
The costs— interest and fees—
can be huge.
Sometimes there will be a fee
o f as much as $150 to set up
your account. Then there can
be a fee to draw an advance.
Two dollars for each $20 bor
rowed is one we know of.
Then, if you can’t make the
payment when it is due, there
might be a “rollover” fee for
giving you another couple weeks
to pay it off. T hat can go on
and on and on....
We have heard o f instances
w h ere all th o s e fees h av e
am ounted to m ore than w hat
was borrowed.
Several years ago I was told
o f a $20 rollover fee on a $200
balance due, and the N avajo
guy had ro lled it over three
times already— that cost $60—
and he was about to roll it over
a fourth time.
His new wife found about it
during their first “kitchen table
financial condition assessment
conference” and fixed that real
pronto. She was a financial skills
teacher.
Paying a 10 percent fee for
extending the due date for just
two weeks is predatory.
D o that ten times and you
will have paid 100 percent o f
th e advance in rollover fees.
Add that to a set-up charge, an
High priced fuel might also
influence a lot o f people to stay
home and not take a long vaca
tio n trip to Y ellow stone o f
Disneyworld, or wherever.
They will save their money
and all the “wherever” business
folks w on’t be taking that money
to the bank.
Lenders know that projec
tions o f income and expenses
are guesstimates. Sometimes
Business plan savvy
W hat do lenders need to, see they are well thought out and
in your loan application and other times they may be wild
business plan? A record o f suc guesstimates^—sometimes scien
cess is helpful. A realistic pros tific wild guesstimates.
“I just know it will w ork” -
pect o f success is mandatory.
B usiness len d ers w an t to isn’t good enough.
A lender will always question
k n o w th e a p p lic a n t’s b a c k
ground, his education, training, and evaluate those guesstimates
and business experience— and before making the lending deci
sion: H e may accept them as
his credit score.
Why? Because we know busi being reasonable and achievable.
nesses d o n ’t pay th e Bills—— H e may not.
Business lenders have their
people do. We also know that
b u sin esses d o n ’t ru n th e m own experience and a num ber
o f analytical tools to help them
selves— people run them.
The applicant’s challenge is to determ ine if the projections
convince the lender that h e/she seem to be w orkable. Y our
is a w orthy risk and th at the lender might ask you to adjust
your assumptions to see if the
business will be a success.
Once a lender is satisfied that business concept is still workable.
the applicant is capable and re H e may already have done it
liable, he considers the business himself and found some weak
concept. The Business Plan will nesses.
D o n ’t be p u t o ff by his ques
answer a lot o f questions.
The market for the product, tions. You both want to do a deal.
the competition, and the projec It just needs to be a good deal
tions o f income, expenses and for both.
Established businesses will
profit, and how they affect the
asset, liability and ownership sec hâve a track record based upon
tions o f the balance sheet are their actual operating experi
ence. Lenders like that. We like
all im portant.
T h e g en eral sta te o f th e to see three to five years o f fi
nancial reports— balance Sheets
economy is important.
For example, $5 or $6 a gal and income statements. We also
lon fuel m ight m ake a small w ant to see balance sheet and
trucking business reconsider incom e statem ent projections
for three to five years.
buying a new truck.
interest charge, and w hatever
o th er charges th e lender has
thought up and you are talking
real money— money they, not
you, are taking to the bank.
Something in the picture isn’t
quite right when the lender goes
to the bank after taking the bor
rower to the cleaners. T hat isn’t
win-win.
F rom that inform ation we
can identify strengths and weak
nesses and help the applicant
build upon the strengths and
shore up the weaknesses. It’s a
comfort thing for the lender and
a service to the borrower.
A t th at p oint the business
lender knows how the business
has been doing and can see
where it wants to go, how it fig
ures to get there, and what it will
look like when it gets there.
Past, present, and future all
play a part in the lending deci
sion for existing businesses.
Start-ups are scarier. The past
may not have been in business,
the present may not be in busi
ness, and the future is a guessti
mate.
Start-up business plans are
often based upon assumptions
that are based on other assump
tions that are based upon yet
other assumptions. T hat’s not
comforting.
D o n ’t be offended if your
lender asks you to explain your
assumptions. That’s his job. Your
job is to help him get to his com
fort place.
H e has to decide if your busi
ness will work as intended. H e
also has to decide if he is com
fortable with being in business
w ith you. You get to make a
similar decision.
T hink o f it this way: I f he
lends to you, you will be joined
at the financial hip with him until
you have paid o ff the loan.
A fter the first one has gone
well and you have both had fun,
you may w ant to “partner up”
again. It is usually a bit easier
the second time around.
W in-W in is good business
for all parties to the deal.
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