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About Spilyay tymoo. (Warm Springs, Or.) 1976-current | View Entire Issue (Aug. 7, 2013)
E Coosh E E WA: The w^y it is a lesson Pgge 4 Letters to the editor o f th e ---------- --------------------- —---------- sock gift set. K obe Figueroa, ily it can cause trust issues H uckleberry At camp vest. W anda VanPelt, yarn with family members. Prob I would like to extend my bag. M artin G race Jr., gift lems o r disagreem ents can th an k you to M erle K irk, bag. D estiny Brookey,-gift always be w orked o ut in a Feast By Yvonne Iverson We gave thanks for our foods last Sunday; as Huck leberry Feast was held at the Agency Longhouse and the H ehe Longhouse. N o w it is time to go out Spilyay an d fin d the Speaks berries. S o m e p e o p le m ay find that their regular pick ing spots look different from the last time your saw them. Last year some areas were logged including areas that w ere p o p u lar huckleberry picking areas. The Restoration Crew has been out this season to clear m anzanita and brush from the huckleberry fields. Many o f the traditional pickers for Huckleberry Feast ventured to the other side o f the Columbia to Mt. Adams, and reported that they were able to find a bounty o f ripe berries. T he Eagle C rossing an nounced yesterday that they are looking to buy huckleber ries, and I am sure that the other restaurants and buyers w on’t be too far behind. So you better get your bas kets gathered, or rig up some new ones so you can get out in the woods and find some berries. G et your camping gear, air out your tent, and buy some batteries for your flashlight so you can go camp and enjoy nature, b u t m ake sure the berries go in your basket and not your belly. I f you are going to camp, be careful with fire. This is the peak o f the fire season, so make sure your fire is out - “ d ead o u t” as Sm okey would Say. W hen you do go out to the woods, try to leave it the way your found it... litter free. N obody w ants to see your Pepsi cans, chip bags, and dirty diapers w hen they are out picking, so please pick up after yourself. Last year the berries were scarce, so I hope this year (' everyone can find lots o f b e rr ie s a n d s to c k th e ir freezers, can, and make jam so they can enjoy them all '«year long. O u r people are great at saving our foods and preserv ing them for tough times, now we just need to transfer that 1 skill to our money. Spilyay Tyrooo August 7, 2013 “Camp Naimuma,” Wilford, Geraldine Jim, Arlita Rhoan, Frank “Foster” Smith, Gerald D anzuka, an d G reg Arquette, These people were a very good inspiration to wards myself. Their lessons were educational in culture. Some I ’ve forgotten a time back. This for me was like a refresher course. T hankful for w hat I know, and have learned. The staff was very fun to work with. The m ost enjoyable part o f camp was the kids. Smiling faces, their happy laughter, These chil dren were very fun to work with. Thank you Lillian Libok- M eto, Wynema Wolfe, Helen H ow topat, A tasha G reene, Arsiati, Kwauna Yallup, Israel Holliday, M onique Moody, Jason Allen, G lenn Brunoe Jr., Walden Winishut. This group o f kids were a lo t o f fu n to w o rk w ith. Thank you again. : Eagles and G olden Feath ers, Greg Youngman. Market The Warm Springs Com munity Action Team is look ing for people interested in learning how to grow organic vegetables for selling at the Warm Springs O utdoor Mar ket next season. Ideally, trained growers will then start their own plots and grow produce to sell the fol lowing year at our market and elsewhere. We are hoping to provide wages for the train ees and financing for devel oping your own acreage for the people successfully com pleting the training. Please call 541-553-3148 and ask for Val or Patricia during business hours, or leave your name, p hone num ber and reason why you called on the voice mail. Valerie Squiemphen bag. B irney B oise, cup o f beads. C ed ar, g ift bag. M o n a B aez, clo ck . K a th le e n Danzuka, stuff bear. Becky D u d n ey , b a th ro o m rugs. Viola Kalama, yarn bag. A.G. Greene, OSU Beavers quilt m ade by Sheila C lem ents. Jose Tafaya, twine bag. Reggie Clements, beaded medallion with earrings. M argie T uckta, b ead ed medallion with earrings. Malia1 Collins, b eaded m edallion with earrings. Liana Holyan, b ead ed b elt buckle (extra large). Lisa Lom as, beaded watch. Brenda Scott, beaded hair barrette with earrings. Leo Jim, beaded belt buckle. Greg Arquette, beaded belt buckle. Anita Jackson, painting—War rior on Horseback. Maurice, R.B. Design. Mistakes An chance to learn from your mistakes is a good thing. A person should never resort to violence as their first op tio n to solving a p roblem with anyone. Especially be tw een family. T h e co n se quences and outcome can be never be good when we re sort to violence o r alterca tions. It can be dangerous when fighting while intoxicated, because you are n o t really in your right mind, and you re ally can’t control yourself or your emotions. It can affect the victim physically and emo tionally. And if it is between fam T h e item s w o n in Jake F ran k ’s final fu n d -raisin g raffle are available for pick up. You can pick up items at the residence, 1550 Tenino Rd., or items can be deliv ered. Contact Anna Clements to make arrangements. W in ners and items won: M ateja S u tte rle e , P en d leto n blanket. Birney B o ise, P e n d le to n Jac k e t. Carol Lucei, bathroom set. Cedo Colwash, throw and Spilyay Tymoo (Coyote News, Est. 1976) Publisher Emeritus: Sid Miller Reporter/ Advertising Director: Yvonne Iverson Editor: Dave McMechan Spilyay Tymoo is published bi-weekly by the Con federated 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 E-Mail: dave.mcmechan@wstribes.org. Annual Subscription rates: Within U.S.: $15.00 more positive way. It can also get you into trouble with the law, which is where nobody wants to be. I will learn from my mistake I made the best way I can. Galen Worthrup Simnasho powwow O n beh alf o f the E lev enth A nnual H o t Summ er N ights PowW ow and E n cam pm ent 2013, we would like to o ffer this letter o f gratitude and appreciation to all those that contributed to make it a special time. We had a weenie roasting, fun walking, stick horse rac ing, inter tribal, powwowing, camping out, bbq-ing, heck o f a good time. It was decided to extend the powwow to two nights and we were truly surprised by the attendance qn both nights, as our parking lot and dance floor was full b o th evenings. This year a new arbor and o th er upgrades wdre c o n structed to enhance and pro long our little powwow and we opened our new grounds on T uesday evening w ith songs o f our Washat way o f life. We had campers, visitors from Chiloquin and our own family camped, We had five meals during the encam p m en t an d w e fed all th a t chose to eat with us. The fun run had 21 par ticipants o f all ages ranging from our elders to the babies, each received a cinch bag for Yvonne Iverson/Spilyay The Diabetes Prevention Program held the Second Annual Family Fun Day on Saturday. Everyone who showed up received a t-shirt and lunch. There were a variety of activities including a walk, games and prizes. Smokey Bear also showed up to join in the fun and pose for a few pictures. To learn more about the Diabetes Prevention Program call 541-553-0118. participating. We had 7 drums this year, with three o f them being visi tors, M orning W ood from Y akam a, M id n ite R iderz fro m C h ilo q u in an d T h e W o o d sm en fro m G ran d e Ronde. O ur local drums were Eagle Thunder, Us-wons, Psst G o Ahead, and Star Horse. We had a great turnout o f dancers, and for participating, T- shirts were shared with the older dancers and cash was shared with the younger danc ers, O ur dance Specials win ners were gifted with blankets and a trophy, the derby win ners received cash and a tro phy Round Bustle — Kaiwynn Clements, Puthlapa — Katie Smith, Family Team Dance — Jarvis Stw yer and sons, Mackie Begay’s D rum m er’s Relay — M idnite Travelerz from Chiloquin. 6 an d U n d e r D e r b y ® H iram from South Dakota, 7-12 Derby — Josh Olney, 13 an d U p D e rb y — G av in Begay. During the pow wow we publicly thanked those that o ffered financial su p p o rt, food donations, helping wher ever they could. However, we wanted to also thank Pub lic Utilities for the use o f the p o rta -p o ttie s , tab les an d benches, and Chico for the use o f the teepee poles. We are grateful for all the su p p o rt an d we h o p e we made you feel welcome, we hope you ate enough to get full and we hope we made you laugh, See you all next year. Thanks again. Captain, Nonie, Huston, Antone, Ryan, Tamera, Tillie, and Char lotte Herkshan. The n e x t Spilyay Tymoo deadline is Fri day, A u g u s t 16. Thank you fo r writing! Indian Business Talk Excellent credit scores save big bucks By Bruce Engle Raffle items Family Fun Day Eoan officer W. S. Credit E nterprise Your credit score is one o f the key factors in deter mining w hether or n ot you will be approved for a loan for a car purchase and what interest rate you will be of fered. B ut the score isn’t ev erything lenders look at, and it shouldn’t be. A steady job is the first requirement. T he job m u st produce sufficient incom e to cover re n t o r h o m e p ay m en ts, credit cards, and accounts w ith stores like Sears, JC Penney, an d Les Schwab plus the new payments for the car. I f a bad credit score pops up, a helpful lender may ask about w hat happened and why. Lenders know that bad things can happen to good people. A n an sw er m ig h t be so m e th in g like, “T h e economy w ent sour, and I was laid off. I spent my sav ings on bills and looking for em ploym ent. We becam e d elin q u en t. N ow, we are back working and are pay ing o ff old debts and are cu rren t on new er obliga tions. In the example, a recent history o f recovery and “on time” payments m ight very well be the deciding factor in the lender’s decision to ap prove or deny and w hat in terest rate to offer. L et’s look at how much money you can save by hav ing good, better, and b est scores. cent; 1,399 at 9.9 percent; and ',924 at the 30 percent rate. T h e 5-year loan w ould cost interest of: • $775 at 2 percent; • $4,078 at 9.9 percent; and • $14,118 at the 30 per cent rate. Credit scores A score o f about 720 to 750 or so will usually qualify an applicant for the best in terest rates available. A pplicants betw een 620 and 720 will find fair rates available but little room for negotiating. U pper 400s and all 500s are troublesom e. D o n ’t be there. H ere are som e'examples show ing d ifferen t in terest rates and terms (months) for repaym ent, and how m uch interest a borrower will have to pay for the privilege o f using the lender’s money. Assume a $15,000 loan for three years, five years, and seven years, at 2 percent, 9.9 percent, and 30 percent in terest rates respectively. Total interest to be paid for the 3-year loan: . • Would be $467 at 2 per- T h e 7-year loan w ould cost interest of: • $1,087 at 2 percent; • $5,853 at 9.9 percent; • $21,027 at the 30 per cent rate. T he1 low est interest rate arid the shortest term is the best deal. T hat would be only $15,467 total repayment for the 2-percent loan over three years. Paying a total o f $29,118 fo r the 5-year 3 0-percent loan would be hurtful. The in te re s t alo n e w o u ld be $14,118. H aving to pay $36,027 o v e r sev en years fo r a $15,000 car w o u ld be a heavy , price to pay for hav ing lousy credit. Your mission, should you accept it, is to compare the savings you could “earn” by qualifying for a 2 .percent loan for three years instead o f having to finance it at the same 2 percent for five years and for seven years. You can do those calculations in your head. Then, do the comparisons for the other rates and terms o f repayment. D oing those subtractions on paper might be easier. C alculators are good too. A nd then, ask yourself where your ability to access a ffo rd a b le c re d it is an d where you want it to be. H ow to get there is the next problem. Jf you know how, great. I f you don’t, some credit counseling might be in order. I f so, you m ight give us a call. We do that for free. C onsum er Credit C oun seling does some fine work. You can find others in the Yellow Pages under “Credit and D ebt Counseling.” Some are g o o d ; som e are n o t. Check them out before com m ittin g y o u rs e lf to th e ir charges. Com paring their fees is another opportunity to save. We will talk about some uses for those savings in an other article.
