Coast to Coast, Nation to Nation, BridgeStreet Worldwide

No matter where business takes you, finding quality extended stay housing should never be an issue. That’s because there’s BridgeStreet. With thousands of fully furnished corporate apartments spanning the glove, BrideStreet provides you with everything you need, where you need it – from New York, D.C., and Toronto to London, Paris, and everywhere else. Call BridgeStreet today and let us get to know what’s essential to your extended stay 1.800.B.SSTEET

We’re also on the Global Distribution System (GDS) and adding cities all the time. Our GDS code is BK. Chek us out.

WWW.BRIDGESTREET.COM

WORLDWIDE 1.800.B.STREET (1.800.278.7338) ® UK 44.207.792.2222 FRANCE 33.142.94.1313

CANADA 1.800.667.8483 TTY/TTD (USA & CANADA) 1.888.428.0600 CORPORATE HOUSING MADE EASY™

NEWMARKET SERVICES

ublisher of 95 U.S. and 32 International Relocation Guides, NewMarket PServices, Inc., is proud to introduce our online version. Now you may easily access the same information you find in each one of our 127 Relocation Guides at

www.NewMarketServices.com.

In addition to the content of our 127 professional written City Relocation Guides,

the NewMarket Web Site allows us to assist movers in more than 20 countries by

encouraging you and your family to share your

moving experiences in our NewMarket Web Site

Forums. You may share numerous moving tips and

information of interest to help others settle into

their new location and ease the entire transition www.NewMarketServices.com process. We invite everyone to visit and add helpful information through our many available forums.

Share with others your knowledge of your new location or perhaps your former

location. If you ever need to research a city for any reason, from considering a move to

just checking where somebody you know is staying, this is the site for you.

NewMarket Services looks forward to cooperating with everyone to continually

add to our base of City Specific Information along with our various moving topics to

help many of the 40 million people who have the opportunity to relocate each year.

Please do not hesitate to contact our customer service department to speak to a live

representative if we can provide any assistance. Our toll free number is (866) 595-3792.

Portland Information Guide [ 5 HOW TO USE THIS GUIDE

The NewMarket Services Information Guide is designed as a valuable resource tool for you, the newcomer to . It is our intent in producing this publication to standardize important and helpful information on your new community in a format that is most useful to you. Portland Welcomes You! Important telephone numbers, packing and moving suggestions, and much, much more useful information is found throughout the Guide pages. Selected area businesses, many offering significant savings are found in the Business Directory Section, sorted by category.

The Guide can save you both time and money while providing you a continuous resource tool as you become more familiar with the metroplex. We do hope you find our Relocation Guide to be of assistance to you. If you do not find something you need, or if you have any suggestions for future issues of the

Guide, please give us a call. We will be happy to assist in any way.

(866) 595-3792 Toll Free From everyone at NewMarket Services Welcome to Portland!

6 ] Portland Information Guide www.newmarketservices.com Portland Information Guide [ Volume 9 [ Number 11

LOCAL INFORMATION The State of 8 Important Phone Numbers 11-12 Travel Information 12-13 Driver’s License, Voter Information and Weather 14 About Portland 9, 15-16 History 17 Where To Stay 18 Publisher: NewMarket Services, Inc. Dining and Nightlife 19 President: Patrick Morgan Things To Do 20-22 Recommended Tours 23 Managing Editor: Rebecca Wallace Media 26 Executive Editor: Jason Gerali Contributing Writer: Amy Tennant MOVING Smooth Transitions 28-29 Executive VP Sales & Marketing: Robert Fischer Choosing a Moving Company 28 Regional Sales Manager: Beth Hurley Packing Tips 28-29 Art Department: Sprague Design Co. Staying Organized 29 Settling Into Your New Home 29 Graphic Designer: Dean Sprague What’s All the Talk About? 30 NewMarket On-Line: Total Web Design, Inc. Pre-Move Checklist 32-33 IT and Web Development: Larry Bongiovi MOVING WITH CHILDREN & PETS Research Assistant: Stephanie Cooper, Lora Price Reinforce the Positives 35-36 Circulation: Little Drummer Boy Dist., Inc. Choosing a School 35-36 Phoenix Office: Selecting Child Care 36-37 Education 38-40 PO Box 30534 Relocating Your Pet 41 Phoenix, AZ 85046-0534 Phone: (602) 923-3415 FITNESS & HEALTH Fax: (602) 923-0774 In the Kitchen 42 Toll Free: (866) 595-3791 Physical and Mental Well Being 43-44 Chicago Office: Volunteering 45 902 North Ashland Chicago, IL 60622 HOUSING Phone: (312) 226-6288 Making the Right Choice 47-48 Fax: (312) 226-6290 Choosing the Right Home 49 Toll Free: (866) 595-3792 Home Inspection Checklist 50 Homecare Basics for New Homeowners 51 NewMarket currently publishes Information Guides for 95 North American and 32 Security 52 International Markets. To order your Take Control of Your Energy Costs 53 NewMarket Information Guides for $3.50 Home Buyer’s Glossary 54-55 each, please contact NewMarket Services Who’s Who in Building 56 toll free at (866) 595-3792. Selecting a Builder 57 In preparing this publication, every effort Selecting a Contractor 58 has been made to assure the accuracy of Banking/Mortgage Information 59-62 the information contained herein, but authenticity cannot be guaranteed. Listings are subject to omission, error or change BUSINESS DIRECTORY without notice. Business Directory Listings 63-67

All material in this publication is copyright protected and can only be reprinted with permission of the publisher.

Portland Information Guide [ 7 THE STATE OF OREGON

The is very fertile and, coupled with Oregon’s famous rain, gives the state a wealth of agricultural products, Pacific Ocean Spokane including cattle, dairy products, potatoes, peppermint, and apples WA and other fruits. Oregon is also one of four major world hazelnut growing regions, and produces 95% of the domestic hazelnuts in Portland the . While the history of the wine production in Oregon can be traced to before Prohibition, it became a significant Salem industry beginning in the 1970s and Oregon is home to ten wine appellations. Due to regional similarities of climate and soil, the grapes planted in Oregon are often the same varieties found in the Eugene OR French region of Alsace. High technology industries and services have been a major employer since the 1970s. Tektronix was the largest private employer in Oregon until the late 1980s. ’s creation and Boise expansion of several plants in eastern Washington County continued the growth that Tektronix had started. The spinoffs and startups that were produced by these two companies led to the establishment of the Portland metropolitan area as the Silicon Forest CA Oregon had one of the largest salmon-fishing industries in the world, although ocean fisheries have reduced the river fisheries in recent years. Tourism is also strong in the state; Oregon’s evergreen regon is a state in the region of the mountain forests, waterfalls, pristine lakes (including Crater Lake United States. Oregon borders the Pacific Ocean on the National Park), and scenic beaches draw visitors year round. The Owest, Washington on the north, Idaho on the east, and Oregon Shakespeare Festival, held in Ashland, is a tourist draw near California, and Nevada on the south. Much of its northern border its Californian border which complements the area’s scenic beauty lies along the Columbia River and much of the eastern border lies and opportunity for outdoor activities. along the Snake River. Two north-south mountain ranges—the Pacific Coast Range and the Cascade Mountain Range—form the two boundaries of the Willamette Valley, one of the most fertile and agriculturally productive regions in the world. Fast Facts Oregon has one of the most diverse landscapes of any state in POPULATION: 3,641,056 the US. It is well known for its tall, dense forests and its accessible, CAPITAL: Salem scenic Pacific coastline. Other areas include the semiarid TIME ZONE: Pacific Standard Time scrublands, prairies, and deserts that cover approximately half the state in eastern and north-central Oregon. It is one of the few places LARGEST CITIES: Portland, Salem, Eugene in the Northern Hemisphere where lift-serviced alpine skiing is NICKNAME: Centennial State available year round. PER- CAPITA INCOME: $34,561 Oregon has been a pioneer in the use of vote-by-mail. In 2000 Oregon became the first state in the nation to conduct a presidential election entirely by mail. About 80% of registered voters participated.

8 ] Portland Information Guide ABOUT PORTLAND

OVERVIEW

ortland is the largest city in the U.S. state of Oregon, and county seat of Multnomah County. It is an eclectic metropolis, where sophisticated and alternative styles coexist Ppeacefully. Visitors find a medium-sized city known for its friendliness, rich cultural scene and variety of outdoor pursuits. A temperate climate, thriving economy and close proximity to both the Pacific Ocean and the Cascade Mountains are among the many reasons Portland has garnered high rankings on “most livable city” lists. The Quadrants of Portland The “great renumbering” on September 2, 1931 divided Portland into five sections: Southwest, Southeast, Northwest, North and Northeast. divides the north and south sections, and the divides the eastern and western sections. The river curves west five blocks North of Burnside and in place of it, Williams Avenue is used as a divider. The North section lies between Williams Ave. and the Willamette. Every address is preceded by one of these five sections, so play close attention to them. Because many of the street names appear on both sides of the river, you could potentially find the address you think you’re looking for and be on the wrong side of the river. That is, if you’re looking for the corner of 15th and Irving—it’s important to note whether it’s NE 15th/Irving or NW 15th/Irving. Both exist. Portland also has an unnamed sixth “quadrant” between (formerly Front Avenue) and the Willamette River, which has an east bend south of downtown. Instead of PORTLAND DEMOGRAPHICS having its own name, negative numbers denoted by a leading zero are used (For example, “0110 SW Porter St.” is an office building one block east of Naito Pky.) City Population: 2,265,223 Northwest Male: 49.67% Northwest is the area extending north from W Burnside St. to the city limits, and west Female: 50.33% from the Willamette River to the Washington County line. It includes the Pearl District, Old Median Age: 34.7 Town Chinatown, the Northwest District, and various residential neighborhoods. Ethnic Make-up Streets in Northwest Portland are in alphabetical order, from Burnside north to Yeon. African American: 2.40% Several characters from “The Simpsons” television show are named from its streets, as Asian: 4.10% creator Matt Groening grew up in the nearby Portland Heights neighborhood. Hispanic: 8.70% The Pearl District is a fairly recent name for a former warehouse and industrial area Native American: 1.00% straddling NW Lovejoy between NW Broadway and the I-405 freeway. An elevated off-ramp White/Caucasian: 84.30% ran along NW Lovejoy St. from the Lovejoy Bridge past NW 10th Ave. and was demolished in the late 1980s, allowing dozens of blocks to open for development. Housing Units: 918,935 Median Household Income: $53,160 Since then, and peaking in the 2000s, many of the existing warehouses, some on brownfield sites, have been converted into lofts, and new multistory condominiums have Cost of Living Index: 125.6 also been developed on previously vacant land next to the train yard. The increasing density Cultural Index: 124.0 has attracted a mix of restaurants, brewpubs, shops, and art galleries, though in some cases pioneering tenants have been priced out of the area.

continued on page 15

Portland Information Guide [ 9 NATIONAL HEALTH ORGANIZATION PHONE NUMBERS

National Health Organization Mental Health Simply dial plus the number below 1-800-*… National Alliance for the Mentally Illness (NAMI) 950-6264 Allergy National Down Syndrome Society 244-4444 Asthma & Allergy Foundation of America (AFFA) 727-8462 National Mental Health Association Resource Ctr 969-6642 Cancer Neurology American Cancer Society 227-2345 National Alzheimer’s Association 272-3900 American Institute for Cancer Research. 843-8114 Christopher Reeve’s Paralysis Foundation 225-0292 Leukemia and Lymphoma Society of America 955-4572 American Parkinson Disease Association 223-2732 National Cancer Institute (CIS) 422-6237 Epilepsy Foundation of America. 332-1000 Skin Cancer Foundation (SCF) 754-6490 United Cerebral Palsy Associations (UCPA) 872-5827 Children’s Health Huntington’s Disease Society of America 345-4372 American SIDS Foundation 232-7437 Brain Injury Association of America Family Hotline 444-6443 Cystic Fibrosis Foundation (CFF) 344-4823 National Headache Foundation 843-2256 Juvenile Diabetes Research Foundation 223-1138 National Multiple Sclerosis Society 344-4867 Sudden Infant Death Syndrome (SIDS) Alliance 221-7437 National Stroke Association 787-6537 National Reye’s Syndrome Foundation, Inc. 233-7393 Patient Care Spina Bifida Association of American 621-3141 Medic Alert Foundation U.S. 863-3425 or 432-5378 Infectious Diseases National Hospice Organization 658-8898 AIDS Hotline, CDC National, National STD Hotline 342-AIDS Shriner’s Hospital Referral Line 237-5055 (Spanish) 344-7432 Visiting Nurse Association of America 426-2547 (Hearing Impaired) 243-7889 Physical Disabilities Internal Medicine American Council of the Blind. 424-8666 American Diabetes Association 232-3472 American Speech/Language/Hearing Association 638-8255 American Heart Association 242-8721 or 968-1793 National Easter Seals Society 221-6827 American Kidney Association 638-8299 Woman’s Health American Lung Association 586-4872 Endometriosis Association. 992-3636 Arthritis Foundation 283-7800 Y-ME National Breast Cancer Organization. 221-2141 Crohn’s and Colitis Foundation of America, Inc. 932-2423 *This is a Toll-Free Number! Lupus Foundation of America 558-0121 This is only a partial list of national health organizations. National Kidney Foundation 622-9010 Contact the National Health Information Center (NHIC) Spondylitis Association of American (SAA) 777-8189 at (800) 336-4797 for a more complete list.

NOTE: This general information is not intended to replace the advice of a medical professional as it relates to your specific situation.

10 ] Portland Information Guide AREA CODES AND IMPORTANT PHONE NUMBERS

City Area Code(s) Courts/Legal The area codes for Portland are 503 and 971. Civil (small claims) Court (503) 988-3022 Criminal Court (503) 988-3235 Emergency Family Court Services (503) 988-3189 All Emergencies (Fire, Police, Ambulance) 911 Family Law (State Circuit Court) (503) 988-3943 Poison Control (800) 764-7661 Traffic Court (503) 988-3233 Runaway Hotline (800) 392-3352 Public Defender, Metropolitan (503) 225-9100 Portland Police Department (503) 625-5011 Public Defender, Multnomah (503) 226-3083 Washington Poison Center (800) 732-698, 206-526-2121 24-hour information and advice regarding poisonous substances Hospitals and overdoses. Adventist Medical Center (503) 257-2500 10123 SE Market Non-Emergency Portland, OR 97216 Fairview Police (503) 823-3333 www.adventisthealth.org Gresham Police (503) 618-3333 Doernbecher Children’s Hospital, OHSU (504) 494-8811 Lake Oswego Police (503) 635-0238 3181 SW Sam Jackson Park Road Portland, OR 97201 Maywood Park Police (503) 823-3333 www.ohsuhealth.com Multnomah County Sheriff (503) 255-3600 Eastmoreland Hospital (503) 234-0411 Portland Police (503) 823-3333 2900 S E Steele Street Sheriff’s Office (503) 255-3600 Portland, OR 97202 Troutdale Police (503) 823-3333 Legacy Good Samaritan Hospital & Medical Cnt. (503) 413-7711 1015 North West 22nd Avenue Financial Services Portland, OR 97210 Automatic Teller Information Oregon Health & Science University Hospital (503) 494-8311 ATM Locator (800) 248-4286 3181 SW Sam Jackson Park Road MasterCrd ATM (800) 424-7787 Portland, OR 97201 VISA Plus System (800) 843-7587 www.ohsu.edu Lost or Stolen Credit Cards Providence Portland Medical Center (503) 215-1111 American Express (800) 233-5432 4805 NE Glisan AT&T Universal Card (800) 423-4343 Portland, OR 97213 Diners Club (800) 234-6377 Providence Saint Vincent Medical Center (503) 297-4411 9205 South West Barnes Road Discover Card (800) 347-2683 Portland, OR 97225 JCB (800) 736-8111 (503) 257-5500 MasterCard (800) 826-2181 10300 NE Hancock St VISA (800) 336-8472 Portland, OR 97220 Lost or Stolen Travelers Checks American Express (800) 221-7282 Services /Support Networks Thomas Cook MasterCard (800) 223-7373 Directory Assistance 411 Travelers Check Customer Service (800) 645-6556 Aging/Disability Helpline (503) 988-3646 VISA (800) 227-6811 Alcohol & Drug 24-Hour Help Line (800) 562-1240 Animal Control (503) 988-7387 Government Assessment and Taxation (503) 988-3326 Local Government Child Support Enforcement (503) 988-3150 City of Portland (503) 823-4000 Crisis Line (503) 988-4888 City of Fairview (503) 665-7929 Crisis Pregnancy Center (800) 395-4357 Clackamas County (503) 655-8011 District Attorney’s Office (503) 988-3162 Clark County (Vancouver, WA) (369) 699-2000 Health Dept. Information and Referral: (503) 988-3816 Washington County (503) 648-8611 Library’s Reference Line (503) 988-5234 Marriage License (503) 988-3027 Mental Health Hotline (503) 988.4888, (800) 716-9769 National Runaway Switchboard (800) 621-4000 24-hour hotline to link runaways to social service agencies or to their families. Confidential. continued on page 12

Portland Information Guide [ 11 IMPORTANT PHONE NUMBERS

Passports (503) 988-4508 Utilities SafeNet (Health info) (503) 988-5858 Electric Senior & Disabled Citizen Information (503) 962-2455 Pacific Power, www.pacificpower.net 888-221-7070 `TTY (503) 238-5811 Portland General Electric (PGE) (503) 228-6322, (800) 542-8818 Teen Link (Various Topics) (800) 235-9678 www.portlandgeneral.com Teen Health InfoLine (800) 998-3600 Water and Sewer WIC Program (503) 988-3503 City of Portland (503) 823-7770 1120 SW Fifth Avenue Portland, OR www.portlandonline.com

TRAVEL INFORMATION

Airports Airlines - Domestic Portland International Airport (503) 460-4234, (877) 739-4636 Alaska Airlines* (800) 252-7522 7000 NE Airport Way American Airlines* (800) 433-7300 Portland, OR 97218 American Trans Air (800) 435-9282 www.flypdx.com Big Sky* (800) 237-7788 Ground Transportation Center Continental Airlines (800) 525-0280 The pickup area for taxis, town cars, long-haul shuttles, hotel Delta Airlines* (800) 221-1212 vans and parking lot shuttle buses is located in the center section Frontier Airlines* (800) 432-1359 of the airport terminal’s lower roadway on the baggage claim and Hawaiian Airlines* (800) 367-5320 departure level. Airporter shuttles, off-airport rental car shuttles and Horizon Air* (800) 547-9308 reserved vehicles are found in the section of the lower roadway jetBlue Airlines* (800) 538-2583 closest to the garage. Most transportation providers serve Midwest Express (800) 452-2022 downtown Portland, which is approximately 20-40 minutes from Northwest* (800) 225-2525 Portland International Airport. Skywest/Delta (800) 453-9417 (800) 547-8411 3355 NE Southwest Airlines* (800) 435-9792 Hillsboro, OR 97124 Spirit Airlines (800) 772-7117 Hillsboro Airport is located on the west side of the Portland United Airlines* (800) 864-8331 Metropolitan region, adjacent to the City of Hillsboro, in an area US Airways* (800) 428-4322 known as the Sunset Corridor. With more than 200,000 operations Airlines - International annually, Hillsboro Airport is Oregon´s second busiest airport, trailing Aer Lingus (866) 886 8844 only Portland International. Hillsboro Airport is a 900-acre executive Aeroflot (650) 615-9278 airport, which supports all facets of general aviation activity. Aeromexico (800) 237-6639 Troutdale Airport (800) 547-8411 Air Canada (800) 247-2262 999 NW Frontage Road Air China (800) 986-1985 Troutdale, OR 97060 Troutdale Airport is located on the east side of Portland and is at Air France (800) 237-2747 the gateway to the scenic Columbia River Gorge. With more than Air India, www.airindia.com 75,000 operations annually, Troutdale is a popular airport for fixed- Air Jamaica (800) 523-5585 wing flight training, scenic tours and recreational flying. Air New Zealand (800) 262-1234 Alaska Airlines (800) 426-0333 Mulino Airport (800) 547-8411 26926 S. Airport Road Alitalia (800) 223-5730 Mulino, OR 97042 Asiana (800) 227-9262 Mulino Airport is located in Clackamas County, about 20 miles British Airways (800) 247-9297 southeast of Portland with easy access from Interstate 205 via Cathay Pacific Airways (800) 233-2742 Highway 213. The airport is home to over 40 light general aviation China Airlines (800) 227-5118 aircraft (including weekend glider activities) with 34 existing aircraft China Eastern Airlines (800) 200-5118 T-hangars and approximately 25 tie-down spots. Egypt Air (800) 334-6787 Eva Airways (800) 695-1188

12 ] Portland Information Guide TRAVEL INFORMATION

Japan Airlines (800) 525-3663 Inter-City Transportation KLM Airlines (800) 374-7747 Amtrak (316) 283-7533, (800) 872-7245 Korean Air (800) 438-5000 Greyhound Bus (800) 231-2222 LACSA (800) 225-2272 Service from City to numerous locations throughout the United LOT Polish (800) 223-0593 States. Lufthansa* (800) 645-3880 Public Transportation Mexicana* (800) 531-7821 Philippine Airlines (800) 435-9725 Portland is well-known for its comprehensive public Singapore Airlines (800) 742-3333 transportation system. TriMet operates most of the region’s buses Skyservice USA (877) 485-6060 and the Metropolitan Area Express, or MAX, light rail system, which connects the city and suburbs. 5th and 6th avenues are the Swissair (800) 221-4750 , an exclusive bus-only right-of-way running TACA (800) 535-8780 north/south through downtown. USA 3000 Y Airlines (800) 872-3000 *Denotes service to Portland TriMet, trimet.org (503) 238-RIDE (7433) Customer Service (503) 238-RIDE Cruises/Resorts TTY (503) 238-5811 Disney World Reservations (800) 227-1500 Call-A-Bus (503) 231-3199 Holland America Cruises (800) 426-0327 TTY (503) 239-3010 Princess Cruises (800) 774-6237 Lost & Found (503) 962-7655 Royal Caribbean Intl. (800) 327-6700 Rental Cars Hotels/Motels Advantage, www.arac.com (800) 777-5500 Best Western (800) 528-1234 Alamo, www.alamo.com (800) 462-5266 Budgetel Inns (800) 428-3438 Avis, www.avis.com* (800) 331-1212 Clarion Hotels (800) 424-6423 Budget, www.budget.com* (800) 527-0700 Comfort Inns (800) 424-6423 Dollar, www.dollar.comr* (800) 800-4000 Courtyard by Marriott (800) 321-2211 Enterprise, www.enterprise.com* (800) 736-8222 Days Inn (800) 329-7466 Hertz. www.hertz.com* (800) 654-3131 Doubletree Hotels (800) 222-8733 National, www.nationalcar.com (800) 227-7368 Econo Lodges (800) 446-4777 Thrifty, www.thrifty.com (800) 367-2277 Embassy Suites (800) 362-2779 *Provide on-airport service. Fairmont Hotels (800) 527-4727 Four Seasons (800) 332-3442 Hilton Hotels (800) 445-8667 Holiday Inns (800) 465-4329 Howard Johnson Motor Lodges (800) 654-2000 Hyatt Hotels (800) 233-1234 La Quinta Motor Inn (800) 531-5900 Loews Hotels (800) 223-6397 Marriott Hotels (800) 228-9290 Meridien Hotels (800) 543-4390 Omni International (800) 843-6664 Quality Inns (800) 228-5151 Radisson Hotels International (800) 333-3333 Ramada Inns (800) 228-2828 Red Roof Inns (800) 843-7663 Ritz Carlton Hotels (800) 241-3333 Sheraton Hotels (800) 325-3535 Stouffer Hotels (800) 468-3571 Super 8 Motels (800) 800-8000 TraveLodge Motels (800) 578-7878 Westin Hotels (800) 228-3000

Portland Information Guide [ 13 DRIVER’S LICENSE

DMV Oregon www.oregon.gov vehicles. Failure to register a vehicle once residency has been Within 60 days of moving to Portland, you are required by Oregon established is a Class D traffic violation. Failure to obtain an Oregon law to obtain Oregon vehicle title and registration and to obtain an Driver’s License or Instruction Permit once residency has been Oregon driver’s license or instruction permit. To protect its citizens, established is a Class B traffic violation. Oregon law requires minimum insurance coverage for all registered

VOTER REGISTRATION

Oregon Secretary of the State www.sos.state.or.us If you do not wish to complete the voter registration form online, You may register to vote in Oregon if: you may print the form and complete it using black ink. • You are a resident of Oregon. Your county elections office will mail you a card to let you know • You are a United States citizen. that your registration was received. If you are registering in Oregon for the first time, your completed voter registration form must be • You will be 18 years old by Election Day. postmarked by the 21st day before an election in order to vote in • To register to vote or update your current registration: that election. Complete the Voter Registration Form. The form is in a fillable .pdf Democratic Party of Oregon (503) 224-8200 format. Open the form using the free Adobe Acrobat Reader and 232 NE 9th Ave. complete it online by tabbing through the fields and typing in the Portland, OR 97232-2915 requested information. www.dpo.org Print the completed form and sign it. Oregon Republican Party (503) 587-9233 Mail the form to your county elections office or drop it off in PO Box 789 person. Salem, OR 97308-0789 www.orgop.org

WEATHER

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Average High 45.4 51.0 56.0 60.6 67.1 74.0 79.9 80.3 74.6 64.0 52.6 45.6

Average Low 33.7 36.1 38.6 41.3 47.0 52.9 56.5 56.9 52.0 44.9 39.5 35.8

Average Precipitation 5.4 3.9 3.6 2.5 2.1 1.5 0.6 1.1 1.8 2.7 5.3 6.1

Temperature in degrees F, precipitation in inches

14 ] Portland Information Guide OVERVIEW

Between the Pearl District and the Willamette is the Old Town Northeast Chinatown neighborhood. It includes Portland's Chinatown, Northeast contains a diverse collection of neighborhoods. For marked by a pair of lions at its entrance at NW 4th and Burnside example, while Irvington and the Alameda Ridge boast some of the and home to the Portland Classical Chinese Garden. Before World oldest and most expensive homes in Portland, nearby King is a War II, this area was known as Japan Town or Little Tokyo; more working-class neighborhood. Because it is so large, Chinatown was previously located just south of W. Burnside along Northeast Portland can essentially be divided ethnically, culturally, the riverfront. and geographically into inner and outer sections. The inner Further west is the compact but thriving NW 21st and 23rd Northeast neighborhoods that surround Martin Luther King Jr. Blvd. Avenue restaurant and retail area, the core of the Northwest District. were once predominantly African American, resembling typical Parts of this area are also called Uptown, (particularly around W urban inner-city environments found in most major U.S. cities. That Burnside and 23rd Avenue) and Nob Hill (centered on NW 23rd and is now changing due to the process of gentrification. Inner Lovejoy). The residential areas adjacent to the shopping district Northeast includes several shopping areas, such as the Lloyd include the Alphabet District (an official historical district, with large, District, and Hollywood, and part of the affluent often Craftsman homes built around 1905) and a large district Irvington, Alameda, and Laurelhurst neighborhoods and nearby centered around Wallace Park (at NW 26th and Quimby). The developments. The city plan targets Lloyd District as another neighborhood has a mix of Victorian-era houses, apartment mixed-use area, with high-density residential development. buildings from throughout the 20th century, and various businesses At the base of Northeast is the Rose Quarter. It is named after the centered around Legacy Good Samaritan Medical Center. The Rose Garden Arena, home of the , and also connects this area to downtown. includes the Blazers' former home, the Memorial Coliseum. The Other neighborhoods in NW Portland include Hillside, Willamette Coliseum is the home to Portland's hockey team, the Portland Heights, Skyline, Forest Park, Linnton, and Northwest Industrial. Winter Hawks, of the Western Hockey League, though they often West of the developed areas is the northern portion of Portland's play at the Rose Garden. The newest Rose Quarter tenants are the West Hills, including the majority of massive Forest Park. Lumberjax of the National Lacrosse League. Southwest Southeast Southwest contains the heart of the Portland's Downtown, as Southeast stretches from the warehouses by the Willamette, well as the campuses of Portland State University, Oregon Health & through the historic Ladd's Addition, to the Hawthorne and Belmont Science University (OHSU), and Lewis & Clark College. districts. Southeast Portland residents initially tended to the blue- Neighborhoods like Lair Hill, Burlingame, John's Landing, collar but have since evolved into a wide mix of backgrounds; inner Macadam, Hillsdale, Burnside Triangle and Multnomah Village, have southeast is home to several thriving subcultures including Hippies, unique residential houses and well defined commercial and retail Hipsters, and environmentalists, while the outer edges are districts. populated by a diverse, largely working-class population which The most developed portion of the West Hills, Washington Park, includes immigrant communities from Eastern Europe and site of North America's deepest transit station, the Oregon Zoo, Southeast Asia. Hoyt Arboretum, the International Rose Test Garden, the Portland Farther south, the Brooklyn, Sellwood-Moreland, Woodstock, Japanese Garden, the Vietnam Veterans Memorial, and many hiking Brentwood-Darlington, and Eastmoreland neighborhoods near trails. The West Hills underwent rapid expansion during the 1960s Reed College are close to the Willamette River. The Clackamas and 1970s. Town Center and Mall 205 are the largest retail centers serving the The Willamette riverfront along Macadam Avenue includes over area. 100 acres of former industrial land. This area is undergoing North Portland redevelopment as a mixed-use, high-density neighborhood, with an North Portland includes the neighborhoods of St. Johns, anticipated 2700 residential units and 5,000 high-tech jobs after Cathedral Park, University Park (and the University of Portland), build-out . Overlook, Portsmouth, Kenton, Boise, Eliot, Arbor Lodge, The neighborhoods wholly or partially in Southwest Portland are Bridgeton, Hayden Island, Humboldt, and Piedmont. Arlington Heights, Arnold Creek, Ashcreek, Bridlemile, Collins View, During World War II, a planned development named Vanport was Crestwood, Corbett-Terwilliger-Lair Hill, Downtown, Far Southwest, constructed to the north of this section between the city limits and Goose Hollow, Hayhurst, Healy Heights, Hillsdale, Homestead, the Columbia River. It grew to be the second largest city in Oregon, Maplewood, Marshall Park, Multnomah, Old Town-Chinatown, but was wiped out by a disastrous flood in 1948. Columbia Villa, South Burlingame, Southwest Hills, Sylvan-Highlands, and West another wartime housing project in the Portsmouth Neighborhood, Portland Park. is being rebuilt; the new $150 million community will be known as New Columbia and will offer public housing, rental housing, and single family home ownership units. Since 2004, a light rail line runs

continued on page 16

Portland Information Guide [ 15 OVERVIEW along Interstate Avenue, which parallels I-5 buildings in the British The former inner ring suburbs of York and East York are older, Commonwealth, including the 34-storey Canadian Bank of traditionally middle-class areas that are also ethnically diverse. Due Commerce. Of course, these buildings have been surpassed in to an increasing municipal population and a housing boom that ran recent years by the silhouettes that give Portland its unique skyline: through the late 1990s and early 2000s, many of the the CN Tower, SkyDome, Royal Bank Plaza, and the TD Centre, to neighborhoods in the inner suburbs experienced accelerated name a few. gentrification, with rapidly rising home prices, an influx of wealthier Neighborhoods residents, and a boom in upscale businesses to service them. Areas From 1954 to 1998, the City of Portland was one city within a affected the earliest include Leaside and North Portland, with the larger federation of cities and municipalities called Metropolitan western neighborhoods in York just beginning during this time. Portland. When Metropolitan Portland was amalgamated by the Much of the housing stock in these areas consists of post-World Ontario provincial government under Mike Harris to become one War I single-family houses and high-rises, but in many areas, these government, the City of Portland was enlarged to include the former structures are either in the process of being replaced or remodeled. cities and municipalities of York, East York, North York, Etobicoke, The outer ring suburbs of the former cities of Etobicoke, and Scarborough. All of these former cities or municipalities still Scarborough and North York are much more suburban, although maintain, in some ways, their own distinct identities; their names are they largely retain the grid patterns of the streets laid down before still used by their residents. The areas within the former City of post-war suburban development, many from towns that existed Portland prior to the merger are still referred to as the old City of prior to their creation as cities. These parts also have sections with Portland, the Inner City, Portland Proper, or Downtown Portland. large apartment blocks of low-income families, mixed with typical The former “City of Portland” is still the most densely populated detached housing found in suburbia. area of the current City of Portland. As the largest metropolitan area Portland has over 200 neighborhoods within the current city in Canada, its downtown core is also one of the commercial, borders, the reason Portland is often locally described as “a city of financial and entertainment centers of the country. Immediately neighborhoods.” surrounding the core, much of “Uptown” consists of wealthy enclaves such as Yorkville, Rosedale, The Annex, Forest Hill, Lawrence Park, Moore Park, Wychwood Park and Casa Loma - Neighborhood which feature large, upscale residences, luxury condominiums, and high-end retail and services. Other upscale neighborhoods include The Bridle Path in North York and the area surrounding the Scarborough Bluffs in Guildwood. On the entirely opposite spectrum there are areas with a high concentration of social housing and blocks of rental hi-rises found in such areas as St. Jamestown, Regent Park and Parkdale, with very high recent immigrant populations. PORTLAND HISTORY

Well before visits by explorers and frontiersmen, the Portland area The history of downtown Portland is rich with culture and color. and its rivers were home to trading among the many native people The centuries old buildings of the Pearl District and Chinatown mix who lived in the lush valleys bordering Mount Hood and the with newer aesthetic attractions such as the Classical Chinese Cascade Mountains. Legend tells that the Native Americans who Garden. Stories of the city’s boisterous past, when sailors and thrived here used to hunt at Rock and meet at Council Crest, shipyard worker mixed in places like the White Eagle and Buffalo the city’s highest point. Tribal lore reaches in all directions, including Gap saloons, include tales of men getting shanghai’d—taken away the Bridge of the Gods, where Mother Nature provided the perfect drunk and forced to work aboard the ship of a cruel captain. The place for a man-made bridge that now links Oregon to Washington city’s darker side can also be seen at the Portland Police Historical near Bonneville Lock & Dam. Much of the vibrant culture of local Museum, where both criminals and heroes of the city’s past live on. tribes can be experienced at The Museum at Warm Springs. Also known as the City of Bridges, part of Portland’s history Ordered by President Thomas Jefferson to explore the Pacific spans the Willamette River, which passengers can tour on the Northwest in 1804, state park namesakes Lewis and Clark made Willamette Shore Trolley. The —one of the oldest their famed journey through the Columbia River Gorge, which elevation bridges still operating—is often the setting of movie remains among the most scenic areas in the U.S. Take in the filming, races and walks in Portland. It connects the downtown area expansive view from the historic Vista House. The arrival of the to East Portland, which in the early days of the city was connected explorers brought a new wave of trade and culture to the city. With only by ferry. Today, Portlanders have a choice of many bridges, military camps at nearby Fort Clatsop and Fort Vancouver, as well including the , which is a one of-a-kind, double-decker as historic Officers Row, U.S. military personnel mixed with settlers, elevation bridge, and the Broadway Bridge, which connects fur trappers and seamen who came to Portland primarily from downtown to the Rose Quarter and Northeast Portland. The city is Astoria. The coastal town itself has a bountiful past that lives on in also linked by the Interstate Bridge to Vancouver, Washington, the Astoria Column and Columbia River Maritime Museum. which carries its own history in a small, rejuvenated downtown area. Drawn west by the California Gold Rush, a number of pioneers Rivaling Portland’s numerous, historic bridges are the city’s parks, decided to head north for Oregon and Portland. Their arduous which are never far and offer the perfect place to play, walk, relax or journey can be revisited at the End of the Oregon Trail Interpretive picnic. It would not be hard to spend a day at Forest Park, which is Center as well as other museums. Among pioneers who came to the largest city park in the United States. A visit to Portland would the city in the 1840s were two early settlers from Boston, not be complete without seeing Washington Park, the International Massachusetts and Portland, Maine. The two gentlemen bet the Rose Test Garden and other attractions of the urban forest. Here name of the city on the toss of a coin, which can still be seen today you will see and smell the reason Portland is called the Rose City. at the Center. The City of Portland was actually One of Portland’s largest examples of history is the renovated chartered in 1851 and historic City Hall and Pioneer Courthouse— PGE Park. Formerly known as Civic Stadium and renovated in both still in use—are testaments to Portland’s dedication to its past. 2001, this is one of the oldest downtown ballparks in the U.S. The Other key figures of Portland’s past include the original publisher outdoor park still hosts Portland Beavers baseball as well as other of Henry Pittock, whose Northwest Portland sporting and musical events. Other landmarks connecting mansion provides an incredible view of downtown and can be Portland’s past and future include Powell’s Books, which chronicles toured. Another father of the city is lumber baron Simon Benson, the local history and the Portland Brewing Tap Room, where the whose water fountains known as the Benson Bubblers still offer new twist of microbrew adds flavor to the old art of brewing. cool drinks today. The is also named after this head of industry and is considered among the top accommodations in town. Benson and Portland prospered through the harvest of timber, which is more closely examined at the World Forestry Center and Magness Memorial Tree Farm. Shipping along the banks of the Willamette and Columbia rivers, as well as fishing helped drive growth of the city. When times became more difficult with the Great Depression, the area saw one of its biggest government projects with the New Deal construction of historic Timberline Lodge.

Portland Information Guide [ 17 WHERE TO STAY

From the Victorian air of the Northwest area to heavenly views of Although not technically located in Northwest Portland, the nearby Mount Hood, Portland oozes ambiance. Unusual lodgings MacMaster House is conveniently located near Northwest 23rd abound, so skip the run-of-the-mill hotels and celebrate Portland’s Avenue and Washington Park. A stay here resembles a leisurely visit distinct style. If standard accommodations are what you seek, the to a wealthy auntie’s house. Each of the seven rooms has a special city has that too. personality, and the breakfast is hearty and imaginative. Downtown Look into the Silver Cloud Inn. Although the hotel faces an Simon Benson was pivotal in bringing culture and gentility to industrial area, it is a great place to stay, offering the kinds of Portland, as reflected in his namesake hotel, The Benson. Built in amenities that a bed and breakfast cannot match. It boasts a fitness 1912, this beauty boasts a celebrated lobby with Austrian crystal center, spa, video library and cable TV. Galleries, shops and chandeliers. It is the choice of visiting presidents and celebrities. restaurants like Paley’s Place and L’Auberge are literally just steps The Governor Hotel is another landmark. Lewis and Clark live away. here, at least in murals and spirit. Everything about this hotel Eastside harkens to a time when the West was not only won, but finally The Eastside is loaded with great places to stay. Instead of the forced to mind its manners. large full-service chain hotels, opt for the real flavor of the often If you like to be spoiled while traveling, make your reservations at overlooked area by staying a night or two at the popular the Heathman Hotel, where you will find subtle elegance and a McMenamins . The McMenamin brothers snapped courteous staff. Room service fare arrives from the kitchen of the up the old schoolhouse and transformed it into a 35-room bed and renowned Heathman Restaurant. breakfast inn. Resonating with a great sense of style and humor, the Built in 1894, the Hotel Vintage Plaza was slated for conversion best touches include basketball in the actual gymnasium, a movie to office space, but was rescued and restored in the early 1990s. theater, and drinks in the Detention Bar. Many of the rooms contain Now on the National Register of Historic Places, guests here are the original chalkboards. treated to wine tasting by the fire and intimate dinners at Pazzo The breakfast served at Portland’s White House is local fare Ristorante. prepared with a gourmet touch. Although this property is luxurious, Other swanky downtown digs include The Fifth Avenue Suites it is priced less than almost any downtown hotel. It is especially nice Hotel, the RiverPlace Hotel and the recently remodeled Portland to enjoy sherry in the parlor or don a breezy picture-frame hat and Hilton. Do not overlook the Marriott Hotel, right across from sip refreshments on the sun-dappled patio in the summertime. Waterfront Park. Ask for a room with a view and settle in to watch The Lion and the Rose bed and breakfast was the home of a the activity on the Willamette and its bridges. brewery magnate. Stroll around the beautiful grounds of the Queen Downtown hotels are not necessarily synonymous with Anne home. In the gazebo, take the opportunity to pop the question expensive rates. The Mallory Hotel, built in 1912, is within reach of to someone special, even if the question is as simple as, “Where do both your budget and Pearl District activities. The Imperial Hotel, you want to eat tonight?” built in 1908, is the city’s longest continuously running hotel, and Outlaying Areas with good reason. The rooms are spacious and the 2 p.m. checkout Another of Simon Benson’s creations, the Columbia Gorge Hotel time allows you to linger a bit. is home to what has been described as the best restaurant in Just west of downtown is The Mark Spencer Hotel. Offering Oregon, the Columbia River Court. The hotel itself is situated atop kitchenettes and long-stay rates, it is an excellent choice for guests a waterfall overlooking the magnificent Columbia Gorge. who are on extended business or relocating. The comfy hotel is Close your eyes and picture the perfect ski lodge. Do you see a located near Powell’s Books and Jake’s Famous Crawfish. huge stone fireplace? Rustic beams and stonework? You are Northwest channeling Timberline Lodge, built in 1937 and named on every list Why not spend the night in an old beautiful home in the trendy ever compiled of outstanding American architecture. Located on Nob Hill area? The Heron Haus, a turn-of-the-century English Tudor, Mount Hood, it is the soul of the Timberline Ski Area. has sweeping city views and a paneled library that is perfect for Speaking of rustic lodge charm, the Heathman Lodge, located sipping from your snifter. You will be within walking distance of the next to Westfield Shopping Town, is loaded with it. Besides Northwest galleries, restaurants and boutiques. everything any business traveler could ever need, there is atmosphere to spare from leather lampshades to Pendleton wool bedspreads.

18 ] Portland Information Guide DINING AND NIGHTLIFE

When the folks in Bridgetown congregate at one of their many restaurant. This is a terrific place to sample the finest Oregon wines. waterfront festivals, amazing things can be found in the center of Visit the tiny dining room at and choose from four- or the throng. Booths and tents dispense steaming fragrant coffees, seven-course meals. Linger over fresh-baked bread, marinated wines are offered from a valley so rich and perfect it rivals the finest salad, soup, a delectable entree and dessert. It is darkly romantic vineyards of France, and there are fun takes on old food favorites. and delicious. Microbrew, a craft this town almost single-handedly made popular For more Italian delights, try the Zuppa di Pesce, a hearty Italian in the U.S. is much more than simple beer, it is beer with a pedigree. fish stew with snapper, mussels and vegetables, at Il Piatto. No matter what brings you to “Puddletown,” do not leave without Inexpensive sampling at least one or two of the following suggested If your pocketbook, rather than your sophisticated palette, establishments. With more restaurants per capita than nearly any influences your dining choices, fear not. Portland is a veritable gold other city in the United States, you simply cannot say you have mine of “sleeper” restaurants where you can have it all for very little been to Portland without enjoying a taste. cash. Here are just a few places to indulge with confidence: The Dining in the City of Roses Original Pancake House, Chez Jose and Saigon Kitchen. Although the riverside Old Spaghetti Factory is a chain, it began right here, Downtown providing a quintessential Portland experience. You can feed a One of the best restaurants in Portland, or possibly anywhere, is good-sized crowd for next to nothing, too. the Heathman Hotel Restaurant and Bar. The Northwest cuisine Drinking varies from season to season, but always includes amazing Surely you have heard someone ask, “What does a guy have to seafood, game and local fruit preparations. The atmosphere is clean do to get a cup of coffee around here?” In Portland, the answer is and elegant. simple: Just take a few steps to the closest latte stand. This is just To experience Portland’s freshest seafood, make a reservation at a sampling of the great coffeehouses in Portland: Rimsky Jake’s Famous Crawfish, which has not changed much since Korsakoffe House, Pappaccino’s and Anna Bannanas. If you like opening in 1892. Savor a few pre-dinner drinks in the lively bar, then your coffee with more kick than mere caffeine can provide, head settle into a roomy mahogany booth and be pampered for a while. over to Huber’s, Portland’s oldest restaurant, where a delightful wait Another excellent downtown reservation is . As staff will serve you all the Spanish coffee you desire. the name tells you, the food is Italian and so is the atmosphere, with There is no shortage of microbrew choices in Portland, and there overhead bouquets of garlic and candlelit tables. are even more places to find the brew of your choice. Any Other sterling downtown choices include ! On Broadway, McMenamins Pub, right down to the basic McMenamins Tavern, Dan and Louis Oyster Bar and . Do not miss the dim sum will do nicely, and there is bound to be one within a mile or two. For served daily at in Chinatown. a genuine pub experience, get involved in the extremely colorful Northwest and Nob Hill atmosphere of the Horse Brass Pub. Kells is another great choice, Northwest Portland, the heart of which is called the Pearl District, offering a bounty for Scotch whiskey aficionados. Those with begins at Burnside Street and is extremely easy to navigate. The refined tastes will enjoy the upscale setting at the Harborside Pilsner area is loaded with the trendiest, most daring restaurants in town, Room. most located in renovated turn-of-the-century homes or For cocktails, do not miss the lobby bar in the Benson Hotel. warehouses. Drinking does not get more civilized than this. Any of the three bars When a former trendy Northwest restaurant closed its doors, the in the Heathman Hotel are perfect for an intimate evening. For an owner of was quick to assuage the loss with an upscale after-theater experience, visit the and create restaurant worthy of local buzz. a crayon masterpiece while sipping a frosty Lemon Drop and chilling A relative newcomer, Paley’s Place is one of the spots to be seen. to the jazz. Chef Vitaly Paley has put his special mark on Northwest cuisine with Finally, for a wild night of drinking, try the upstairs space at the a creative menu that speaks to the season. Memorable dishes Downtown Deli and Greek Cuisina. Before your eyes, the polite 8pm include Pacific Rock Cod with Truffle Potato Puree. crowd transforms into an ouzo-snorting, plate-smashing (literally, On Northwest Ninth Avenue, Cafe Azul dispenses authentic they sell you the plates to smash), and wild-dancing free-for-all. Oaxacan cuisine, including hand-patted corn tortillas and star- There are many more fabulous music and drinking venues, making desserts. On 21st Avenue, savor the lovely decor and including Berbati’s Pan. Wine bars are sprinkled throughout the city, delicate crab cakes at . or you can enjoy the flavors firsthand by visiting wine country, with Eastside its endlessly rolling green hills and many gracious tasting rooms. Pick up the phone and make a reservation for dinner at Caprial’s Sokol Blosser Winery will provide a classic start to your tour. Bistro and Wine. Chef Caprial Pence cooks her heart out on her television show, and does much the same at her Milwaukie Avenue

Portland Information Guide [ 19 THINGS TO DO

While strolling around downtown Portland can be entertaining in Portland Art Museum (503) 226.2811 itself, there is a diverse offering for entertainment and culture. You 1219 S.W. Park Avenue will find a festival, event or performance every week of the year; a Portland, OR 97205 ballet theater that impressed New York critics; an NBA team; more www.portlandartmuseum.org than 70 galleries; a thriving local music scene and more. Finding One of the 25 largest museums in the country, with impressive entertainment in Portland is never a problem and with each choice touring exhibitions and permanent collections, including the centers you learn a little more about the city. for Northwest and Native American Art. Portland Center for the Performing Arts (503) 248.4335 The Arts 1111 SW Broadway Stand in the heart of downtown Portland and glance around you. Portland OR 97205 Beautiful fountains form graceful arcs against some of the nation's www.pcpa.com best architecture. A street musician may serenade you as you step A complex of venues hosting eight resident companies as well as off MAX, holding tickets to a Broadway musical. Portland is an art touring musical acts, lecturers and comedians. haven and its nurturing environment has inspired countless creative Portland Opera (503) 241-180 minds. The Hampton Opera Center 211 SE Caruthers St. To explore Portland's more inspired side, start with the Portland Portland OR 972142 Art Museum (PAM). This museum has been a stop for much touring www.portlandopera.org grandeur, and you can enjoy everything from Native American Currently in its 41st season, Portland Opera has established itself artifacts to modern art. Stay late on Wednesday and enjoy live as a vibrant and vital part of our region’s cultural activity and identity. music at the Museum After Hours. With its commitment to producing operas that invigorate the future Peek at PAM's wilder sister, the Portland Institute for of the art form and are dramatically and vocally compelling, Portland Contemporary Art (PICA), in a newer building on Northwest 12th Opera has earned a devoted public following throughout the state Avenue. PICA is the place for the very latest in art, music and of Oregon and southwestern Washington. theater, especially the avant-garde. To sample the hottest portions Portland Institute for Contemporary Art (PICA) (503) 242-1419 of Portland's visual arts scene, visit one of the many local galleries. 224 NW 13th Ave Check into the First Thursday and Last Thursday gallery walks. Portland, Oregon 97209 If you like your art a little livelier, put the Portland Center for the www.pica.org Performing Arts on your list. This series of great venues includes the Curating exhibits and performances by some of the world’s most famous Arlene Schnitzer Concert Hall, or “The Schnitz,” as locals important and talked-about artists, including many right here in like to call it. This opulent, historic theater is home to the Oregon Portland. Symphony. The Civic Auditorium houses the Portland Opera and touring Broadway plays. Attractions More intimate theater experiences are available from Portland's Take a drive up to 100-year-old Washington Park and explore the own professional company, Portland Center Stage, as well as Stark famed International Rose Test Garden and Japanese Garden. The Raving Theatre and others. views of downtown and Mount Hood will leave you weak. The Oregon Zoo features outdoor concerts, a zoo railroad and hundreds The music scene cooks in Rip City, and you must not overlook of animals. With all of the area highlights, including the World the newly restored Crystal Ballroom with its floating dance floor. For Forestry Center and Hoyt Arboretum, you will have no trouble really big names, only the Rose Garden, home of the Portland finding something to your liking here. Trailblazers, will do. Another Portland attraction that turns locals into tourists is the Artists Repertory Theatre (503) 241-1278 1516 SW Alder Street Oregon Museum of Science and Industry (OMSI), across the river Portland, Oregon 97205 from Washington Park. OMSI features changing interactive science www.artistsrep.org exhibits, Omnimax Theater laser and adventure shows and a A professional theater company dedicated to challenging artists submarine in the Willamette River. and audiences with plays of depth and vibrancy in an intimate Popular day trip attractions include touring the Mount environment. Hood/Columbia Gorge Loop, where the beauty of the great BodyVox (503) 229.0627 Columbia River is matched by a series of waterfalls. You can check 1300 NW Northrup Street out Multnomah Falls, the Bonneville Dam and Timberline Lodge. Portland, OR 97209 Visit the beautiful coastline while . Haystack Rock in www.bodyvox.com Cannon Beach is particularly memorable, and you will see a part of Dance company with a well-honed combination of theatricality, Oregon that is often overlooked. beauty and humor.

20 ] Portland Information Guide THINGS TO DO

This barely scratches the surface of Portland's entertainment Living in Portland, you will not doubt be spending your Saturday scene. Wine country is located just minutes southwest of town, mornings at the Street Market. You are sure to find something to local clubs with thousands of hopeful artists are ready to entertain pique your interest with more than 300 booths of unique art, crafts you and limitless outdoor recreational opportunities are available. and gadgets. For more than 20 years, this seasonal outdoor market You will find many local cinemas as well, including the restored has featured handmade items and tasty treats. The street Hollywood Theatre and the wonderful Mission Theater and Pub. performers and characters that assemble here provide the ultimate Comedy clubs like Harvey's provide outrageous entertainment. show, so grab some falafel, settle down by and Oregon Zoo (503) 226.1561 enjoy. Washington Park Three stages featuring the greatest names in jazz and more than 4001 S.W. 30 hours of music are offered at the Mt. Hood Festival of Jazz. This Portland, OR 97221 August tradition features names like Al Jarreau and David Sanborn. www.oregonzoo.org The Bite, Cinco de Mayo and July's Oregon Microbrewery Trek through the tropics amid the sounds of birds, monkeys and Festival are held annually at Waterfront Park. Autumn's most other creatures. You’re not in West Africa; you’re in Portland at the popular Oktoberfest celebration takes place in the little Bavarian zoo’s African Rain Forest exhibit. After you’ve survived the steamy town of Mount Angel. Oregonians love to get into the holiday spirit tropics, dry off in the savanna, where giraffes, rhinos and hippos and touring the Peacock Lane Christmas Lights will put anyone in a graze. From the tundras of Alaska to the coastal waters of Peru, festive mood. travel around the world in an afternoon. Oregon Museum of Science and Industry (OMSI) (503) 797.4000 Professional Sports 1945 S.E. Water Avenue A little old-fashioned competition never hurt anyone, right? Portland, OR 97214 Portland hosts a multitude of exciting sports teams and events, www.omsi.edu including NBA basketball, pre-NHL hockey, minor league baseball Imagine a place where you can journey to the outer reaches of and A-League soccer. the galaxy, feel the power of an earthquake, climb aboard a real The ultra-modern Rose Garden arena is home to the NBA's submarine, uncover a fossil, enter the world of virtual reality, or travel Portland Trail Blazers and the Portland Winter Hawks hockey team, the globe in a five-story high IMAX® domed theater. the Portland LumberJax indoor lacrosse team, as well as countless Portland Children’s Museum (503) 223-6500 concerts and special events. Washington Park 4015 S.W. Canyon Road Fans may also cheer alongside Portland’s loyal and enthusiastic Portland, OR 97221 sports fans at historic PGE Park, whose recent renovation added www.portlandchildrensmuseum.org state-of-the-art amenities without sacrificing the stadium’s elegant Portland Children’s Museum, where imagination lives. Visit 1926 design. PGE Park is home to Triple-A baseball’s Portland Portland Children’s Museum and let your creativity run wild with Beavers, an affiliate of the San Diego Padres. The A-League hands-on exhibits and art studios for children and their families. Dig Portland Timbers’ soccer games are also played here. into the fun in the Dig Pit. Tile a roof or landscape a garden in NBA Basketball Building Bridgetown. Make a Splash in Water Works. Enjoy a live Portland Trail Blazers performance or sculpt a unique creation from clay. Paint your face, Rose Garden Arena put on a costume and take center stage! www.nba.com/blazers Portland Classical Chinese Garden (503) 228-8131 Portland Chinooks Northwest Third Avenue at Everett Street International Basketball League Portland, OR 97209 Multiple arenas www.portlandchinesegarden.org www.chinooksbasketball.com An urban oasis of pavilions, rocks, plants and walkways Oregon Riptide surrounding an 8,000-square-foot pond. American Basketball Association Warner Pacific College Festivals and Events www.oregonaba.com The mother of all Portland festivals, the Rose Festival is still going Soccer strong. The Grand Floral Parade is by far the most famous Portland Timbers attraction, but children also love the Waterfront Village amusement United Soccer Leagues First Division park at Waterfront Park. During Fleet Week, you can tour a fleet of PGE Park www.pgepark.com/timbers U.S. and Canadian Navy ships. Amid the hubbub, be sure to stop and smell the roses at the kaleidoscopic rose show.

continued on page 22

Portland Information Guide [ 21 THINGS TO DO

Ice Hockey Lloyd Center (503) 282-2511 Portland Winter Hawks 2201 Lloyd Ctr. Western Hockey League Oregon’s largest mall, featuring an indoor ice skating rink, food Rose Garden Arena, Memorial Coliseum court, and movie theater. Anchor stores include Sears, Nordstrom www.winterhawks.com and Meier & Frank. Baseball The Pearl District Portland Beavers Northwest Portland Pacific Coast League www.shopthepearl.com PGE Park Boundaries: West Burnside Road to the south; N.W. Naito www.pgepark.com/beavers Parkway to the north; N.W. Broadway to the east; I-405 to the west Indoor Lacrosse Historic industrial buildings have been transformed into unique Portland Lumberjax National Lacrosse League retail storefronts, restaurants, galleries, lofts and townhouses in Rose Garden Arena Portland’s premier shopping district. The Pearl District is the www.portlandjax.com destination for creative cuisine, home furnishings, art and one-of-a- Paintball kind boutiques. Portland Naughty Dogs Pioneer Place (503) 228-5800 National Professional Paintball League 700 SW Fifth Ave www.naughtydogs.us Downtown Portland Shopping A downtown mall filled with upscale stores, many of which you can't find elsewhere in Portland. There's also a movie theater on the Bridgeport Village 7455 SW Bridgeport Rd top floor and a nice food court on the lower level. Tigard, OR 97224-7252 Washington Square Mall (503) 639-8860 This shopping center is home to many exclusive shops, both 9585 SW Washington Square Rd regional and national. Crate and Barrel, Anthropologie, and Z Portland OR 97223 Gallery all have locations here. There’s an 18-screen movie theater Completely remodeled in 1994, this mall features Oregon’s and a variety of restaurants including P.F. Changs and California largest Nordstrom and high-end stores such as Pottery Barn Kids, Pizza Kitchen. Williams-Sonoma, and Sephora. Anchor stores include Sears, Clackamas Town Center (503) 653-6913 Nordstrom, Meier & Frank and JC Penney. 12000 SE 82nd Ave Portland, OR 97266 Just a few minutes south of Portland, this suburban mall has everything you’d expect. Anchor stores include Sears, Nordstrom, Meier & Frank and JC Penney. Also nearby is the Clackamas Promenade shopping center, with Target, Old Navy, and Nordstrom Rack.

22 ] Portland Information Guide RECOMMENDED TOURS

Walking Tours For a more historical look at the city, try Portland Parks & Recreation Historical Tours and if the family is along, the Metro Downtown Washington Park Zoo Railway is sure to please. Take ART: The If your time here is limited, opt for a downtown hotel and stay in Cultural Bus for a fun tour of Portland highlights. Find out why the city. It is easy to wander all over the heart of this city on foot, Portland is also called the “City of Bridges” by taking the Bridge and Portland also offers an incredible public transportation system Walk Tour. that allows you to ride the bus or MAX light rail free inside “Fareless Other organized tours include boat trips like the Portland Spirit, Square.” Begin your tour at the Portland Oregon Visitor's excursions on the Portland Vintage Trolleys, scenic flights over Association (POVA) where you can plan the day's destinations and Mount St. Helens or the popular brewery tours. pick up any maps or tickets you will need. Do not worry about getting lost when leaving the premises-—the folks in the green Outdoor Tours jackets on the city's streets are not fashion victims, but Portland Columbia Gorge and Mount Hood guides who will be happy to point you in the right direction. Guided or not, one of the best tours of the area is the route that From POVA, cross the street to Waterfront Park. Stroll along the takes you through the spectacular Columbia River Gorge to Mount seawall, splash in the fountains and visit . Hood. Head east on Interstate 84, stopping at Multonamah Falls Head west to Fifth Avenue and seek shelter under the huge with its stunning scenery and wonderful hiking trails. Along this outstretched arm of the copper statue Portlandia. Continue down route, there is so much to catch your attention that you will have to Fifth Avenue to Southwest Yamhill Street where the sidewalk is forgo stopping if you plan to see it all in a single day. Continuing on called Street Wise. This public art offers great quotations and no the historic route you will find Timberline Lodge and the Timberline shortage of wisecracks. Take in the nearby Soaring Stone Ski Area, both open year round. The next stop is Government Sculptures located directly in front of Saks Fifth Avenue. There is Camp where you can learn the story of the pioneers who followed always people-watching at Pioneer Courthouse Square. the Oregon Trail, retracing their steps back to Oregon City and the Continue toward the South Park Blocks to find out what is End of the Oregon Trail Interpretative Center. happening at the Portland Art Museum or the Oregon History Oregon Coast Center. Stop at the Heathman Restaurant and Bar and dine alfresco The rugged beauty of Oregon's coastline—-about two hours by while soaking in the city's atmosphere. car from Portland—-is also within reach of a day's travel. All of Guided Tours Oregon's beautiful beaches are accessible to the public. Visitors manage to find plenty of Portland highlights on their own, Head west on U.S. Highway 26 to Astoria, the oldest settlement while organized tours offer a unique perspective you cannot find west of the Rocky Mountains. Plan a night at the Astoria Inn Bed elsewhere. This can also help visitors to tour the variety of sights in and Breakfast or move down the coast to touristy Seaside. After style. spending all of your quarters on the boardwalk or in the arcade, it is Reserve a first-class tour with Pacific Towncar and take in the time to move on to Cannon Beach, a quiet community that is home views of your choice--mountains, bridges, the city and more--while to Haystack Rock. Continue south on Highway 101, and you will riding in a luxurious limousine or town car. For a less expensive look eventually notice black and white cows dotting the grassy at some of the local attractions or those beyond the city, choose landscape. This means you have arrived in Tillamook, home of the among the destinations of Evergreen Gray Line Tours of Portland. legendary Tillamook Cheese Factory where you can sample delicious Tillamook ice cream and award-winning cheeses. A taste of the area's variety is the aim of Ecotours of Oregon, Continue south to Lincoln City and have some fun at Chinook which provides different themed tours including the Pacific Winds Casino. Heading back to Portland via State Highway 18 Northwest's lush rainforest, immense river valleys and snow- takes longer, but it will take you through the rolling hills of the wine capped mountains. There are also tours focused on Native country, and is worth the time. Americans and local wineries or breweries. Getting close to the vineyards and world-famous Oregon wines is the draw of the Grape Escape Winery Tours, a look at a series of local vineyards. The rolling hills of growing grapes, as well as the fall colors, are also a highlight of Vista Balloon Adventures. For those even more adventurous, take a high-speed tour via the river on Willamette Jetboat Excursions.

Portland Information Guide [ 23 The perfect place for a tryst Dozens of designer shops and nightlife so hot it’ll make you blush. tailored to one lifestyle. Yours. A casino designed to excite the senses.

CASINO MEETINGS GOLF WEDDINGS NIGHTLIFE ENTERTAINMNMENT SHOPPING RESORT ROOMS

wynnlasvegas.com To speak with a reservation agend please call toll-free 1.877.321.9966 A casino that defies Endless energy. convention. Yours.

tailored to one lifestyle. Tower suites offer the comfort you expect from a Wynn signature resort. Dozons of designer shops encorelasvegas.com

To speak with a reservation agent please call toll-free 1.888.320.7125 MEDIA

Newspapers TV Stations The Oregonian (503) 221-8240 KATU 2 ABC www.oregonian.com KOIN 6 CBS The Oregonian is the major daily newspaper in Portland, and KGW 8 NBC circulates statewide. KOPB 10 PBS The Oregon Herald KPTV 12 FOX www.oregonherald.com KPXG 22 “i” KWBP 32 WB A non-profit paper that provides a diverse listing of local, regional, KPDX 49 MyTV national, and international news. The Portland Tribune (503) 226-6397 AM Radio Stations 6605 S.E. Lake Road KPOJ 620 progressive talk Portland, OR 97222 KXL 750 news, talk, www.portlandtribune.com KPDQ 800 Christian talk A general audience twice-weekly paper KPAM 860 news, talk and information The Portland Mercury (503) 294-0840 KWIP 880 regional Mexican 605 NE 21st Ave, Suite 200 KKSN 910 Portland, OR 97232 KWBY 940 regional Mexican www.portlandmercury.com KCMD 970 comedy An alternative weekly newspaper, targeted at younger, hipper KXPD 1040 regional Mexican urban readers KFXX 1080 ESPN KXMG 1150 Spanish contemporary Willamette Week (503) 243-2122 KEX 1190 news, talk, information 2220 NW Quimby KMUZ 1230 Spanish Oldies Portland, OR 97210 KKPZ 1330 Christian talk www.wweek.com KUIK 1360 News, talk, sports The largest local, alternative weekly in the metro area KBNP 1410 business news KBMS 1480 KGDD 1520 regional Mexican KKAD 1550 Adult Standards KDZR 1640 Radio Disney

FM Radio Stations KOPB 91.5 National Public Radio KGON 92.3 classic rock KTRO 93.1 Talk KPDQ 93.9 Christian inspirational KNRK 94.7 alternative rock KXJM 95.5 Rhythmic Top 40 KYCH 97.1 adult hits KUPL 98.7 country music KWJJ 99.5 country music KKRZ 100.3 CHR KUFO 101.1 album-oriented rock KINK 101.9 adult alternative KKCW 103.3 adult contemporary KFIS 104.1 christian KRSK 105.1 hot adult contemporary KIJZ 105.9 smooth jazz KLTH 106.7 60s-70s hits KVMX 107.5 70s-80's rock hits

26 ] Portland Information Guide Portland Information Guide [ 27 MOVING

SMOOTH TRANSITIONS

Choosing a Moving Company Have at least three movers come to your home and give estimates. Be sure to ask whether the estimates are binding, non-binding or guaranteed not to exceed a certain amount. Obtain each company’s assigned Motor Carrier number and call the USDOT at (202) 358-7000 to determine if they are registered and have the proper insurance on file. Ask your prospective moving company for a copy of the “Your Rights and Responsibilities When You Move” booklet. Relocation to Your New City If you’re one of the 40 million Americans planning to move this year, you need a strategy. Starting early and staying organized is the key to a painless move. In general, follow the pre- move checklists provided. These lists will help you track the myriad details needed to facilitate your move. If you are selling your present home and/or buying a new one, refer to the home inspection checklist and the mortgage glossary. If you are planning to rent in your new city, read the article on rental tips. And, if you are undecided, we hope the article entitled “Buying vs. Renting” will help you assess the pros and cons of each. Whatever decisions you face based on your particular circumstances, stay positive, calm and organized. And, don’t forget to make some time just for yourself. It will probably save you a lot of time in the long run! Packing Tips • Sort your belongings. If you don’t use an item, dispose of it. • Label boxes indicating what they contain and in which room they should be placed. • Drain gas and oil from power tools so they will not leak; dispose of all volatile or corrosive chemicals. • After cleaning out the refrigerator and/or freezer, place pieces of charcoal in them to prevent mildew. • Pack important records in easily accessible place. Include medical, dental, school, insurance, credit card and tax records. • Use strong, clean containers with lids secured with twine or tape. • Put no more than 50 pounds in each container. • Place heavy items towards the bottom of the containers; lighter items on top. • Protect all finished surfaces from scratching by wrapping them in paper. • Use plenty of cushioning such as shredded or crumpled paper to protect belongings in boxes. Remember that newspaper ink can rub off and stain items packed with it. • Pack items tightly to avoid shifting during move. • Fragile items, like china, should be packed in reinforced boxes or in special boxes with compartments. • Individually wrap and cushion electrical appliances. • Make sure liquids and foodstuffs are placed in carefully sealed containers. Wrap and pack

28 ] Portland Information Guide SMOOTH TRANSITION

kitchenware tightly to prevent damage. Put the same-color labels or signs on the door of the rooms • Chests and dressers should not be overloaded since glued where these boxes go. This way, movers will be directed to the furniture joints could collapse. correct rooms if you’re not available to tell them where to put • Unusually shaped or valuable items should be crated or moved each box. by you and not the movers. Easily crushed items should be • Make a detailed floor plan for where you want things to go in your individually boxed and cushioned. new home. Photocopy it so you can tack up copies in every room • You should not remove home fixtures such as window treatment for the movers. hardware, towel racks and electrical fixtures. Unless your sales • Take snapshots of wall units and shelves, so you know how agreement specifically states otherwise, such items are usually things were arranged on them. considered legally part of your residence. Let the moving Settling Into Your New Home company pack furniture, mirrors and artwork to prevent damage. • Start by making the beds. Bedding tends to be bulky and Stay Organized eliminating lots of boxes quickly and easily will be encouraging. Here are some basic tips to help make moving less traumatic: • Unpack and organize children’s belonging’s next. Young children • Pack an “Immediate Box” or an overnight suitcase with the will quickly become restless without familiar things. Remember to necessities you’ll be needing right away. Don’t forget to include position storage hooks and shelves that children will be using medicines and a first aid kit, toilet paper, tissue, and paper within their reach. towels. • Next, tackle the kitchen. This job will go much faster if each box • Pack an “Immediate Kitchen” box including trash bags, the has been specifically labeled as to its contents. Simply labeling coffee pot or tea kettle, toaster, plastic silverware, paper plates, “Kitchen” doesn’t help you prioritize which box to unpack first. styrofoam cups and some non-perishable snacks, such as • Stay positive. Getting settled into your new home can seem crackers, peanut butter, dried fruit. This way, there will be some overwhelming unless you look at it as a series of small projects. instant sustenance while you get organized. • Congratulate yourself! You accomplished a lot today! • Affix colored labels to the moving boxes according to destination.

Portland Information Guide [ 29 WHAT’S ALL THE TALK ABOUT. YOU PACK, THEY DRIVE MOVING?

Moving Decisions Save Time and Money Are you faced with an upcoming job relocation? With so many The “you pack, they drive” moving alternative saves you the options for moving your household items, it can be a difficult trouble of driving an unfamiliar vehicle as well as the stress and decision to determine which service best fits your moving needs. difficulty during a long-distance drive. Since the estimates provided Also, with a limited relocation budget from your employer to cover for this service are based on volume (space) and not weight, you will your moving costs, finding a service that complements your avoid unexpected higher moving costs and hidden fees associated pocketbook is important as well. While hiring a professional moving with other full-service moving companies. Unlike a rental truck, the company may be time-saving, the cost for full-service moving could normal moving expenses such as fuel, taxes, tolls, and unexpected be several thousand dollars. A recent trend in the moving industry costs such as flat tires and engine blowouts are covered by the is the do-it-yourself moving option. Most people associate do-it- service provider. yourself with the truck rental option; however, the “you pack, they Loading Service Options drive” moving alternative is becoming increasingly popular. The cost savings of using the “you pack, they drive” service New Moving Alternative largely result from packing and loading your trailer. Some customers With this type of service, you are expected to pack and load may not have the physical ability or manpower to pack and load your items in an adequately-sized commercial trailer. You are given their own trailer. This problem is relatively easy to solve—simply up to two business days to pack and load your goods. The cost of check with one of the packing and loading companies suggested the move is controlled by the customer because this service allows by the “you pack, they drive” service provider. You can locate you to pay for only the spaced used in the trailer. Once you have packing and loading assistance in both your origin and destination completed the packing and loading process, the trailer is picked up cities. By combining the “you pack, they drive” service with local by the local dispatch office. The trailer is then transported by a loading and unloading assistance, you can save money versus professional driver to your destination. You will receive an estimated using a full-service moving company. arrival time for delivery of your goods and will also have the ability to The Choice is Yours track your goods during the transit of your move. Upon arrival at During your search for the best moving option for your your new home, the trailer is delivered at the appointed time and upcoming job relocation, consider the “you pack, they drive” you will unpack and unload your goods. The local dispatch office moving option and know that you are in control of every aspect of will then come and remove the empty trailer. your move. You will not only save time and money, you will experience less stress and headache during an already stressful part of your life.

30 ] Portland Information Guide

PRE-MOVE CHECKLIST

One Month Before Two Weeks Before

 Take Inventory. Decide what to keep and what to get rid of.  Notify Phone Company: Your new local phone company should be notified of your move no sooner than 30 business  Reserve a rental truck or select a moving company. Look for days prior to move, and no later than 5 business days before rental trucks and moving companies in local brochures, yellow moving. The service representative will run a quick credit check pages, or through your rental agent/ real estate broker. and assign you a new telephone number.  Make a moving file for important documents, such as family  Notify Utilities: The electric and gas service companies should medical and dental records, school records, legal documents be contacted at least two weeks before your move. The old and titles, banking and financial statements, stock and bond service will need your move out date and you should request certificates, tax returns, birth certificates and insurance the return of any deposits at this time. The new service will documents. Include all receipts – many expenses are tax need your move in date to determine when service will be deductible. turned on or transferred to your name. You can inquire if they  Make any car rental, airline or hotel arrangements. have a billing plan to balance out of season differences by paying a set amount each month. If moving into an apartment,  Gather moving supplies such as boxes, tape, bubble wrap and check with the property manager to see if service was left on paper for wrapping. before you call the utility companies. Write down the emergency numbers to call in event of a problem or outage.  Post Office: A week before you move, you should stop by your local post office to fill out a change of address cards.  Banks: (checking accounts, investments, etc.): Before you Correspondence cards are also available to send to various move to your new city, make sure all existing accounts in your companies such as credit card companies, magazine old bank are closed. Find a new bank to fill your personal publishers and any other organizations that should be needs and open accounts, order checks and obtain direct informed of your move. The mail will be forwarded to your new deposit forms if applicable. home for a full year. After a year, the mail will be returned to the sender with your new address stamped on it. You can get an  Find a new doctor and dentist and have your family’s medical official change form at the local post office or on the Internet at records transferred to them. www.usps.gov/movernet.  Refill any prescription medications which must be taken  Credit Card Companies: Immediately notify all your credit card regularly and arrange to have those prescriptions transferred to companies of your move. Keeping an individual file on each your new city. one makes this process much easier. We suggest using the  Arrange to register your children in their new school(s). Contact correspondence cards offered at the post office in addition to their current school(s) to have their records forwarded. requesting in writing that they send you a letter of confirmation. It is also recommended to make a follow up call.

 Purchase Insurance: If you are moving from out of state and are insured by a fairly large company, they will most likely have an office in the city you are moving to. If you need to find a new company, it is important to get homeowners insurance at least one month before the move. Those moving to an apartment need to contact the insurance company two weeks before the move. If you have large amounts of jewelry and/or furs coats it’s important to contact the agency as soon as possible since you will be needing additional coverage.

 Remember to request the return of any security deposits.

32 ] Portland Information Guide PRE-MOVE CHECKLIST

One Week Before Moving Day

 Confirm any travel plans or reservations.  Early on moving day, reserve a large place for the moving truck to park. Mark off an area with cones or chairs. If you need to  Finish packing and make sure all boxes are clearly labeled. obtain parking permission from your apartment complex  Subscribe to the local newspaper and visit the Chamber of manager or the city, do so in advance. Commerce in your new city for additional community  Before work starts, walk through the house with the movers information. and describe the loading order. Show them items you intend to  Change of Address Notification: You will need to notify the transport yourself. You should have these items grouped in an Postal Service that you are moving. It is now possible to do so area prior to the movers arriving. Remain on site to answer the without visiting the post office. Go to website listed above. For movers’ questions and to provide special instructions. the fee of $1.00 you may fill out the address change  Walk through your home and make sure that everything was information online and receive an email confirmation. Or you loaded. Make sure you have the keys to your new home. may choose to print the form and mail it to your local post office. US Postal Service, www.usps.com  Remember that professional movers expect to be paid in full before your goods are unloaded. Check for damage, as items  Notify IRS: You will also need to notify the IRS that you have are unloaded and report any problems right away. moved. This will ensure you receive your IRS refund and/or any other correspondence. To change your address with the IRS,  Unless the company’s policy prohibits the acceptance of complete a Form 8822 (PDF), Address Change Request. This gratuities, it is customary to tip each mover. $20 is a good is available on the IRS website. IRS, www.irs.gov amount; you may want to tip more or less based on the service you received. One Day Before  If you are moving yourself and getting help from friends, make  sure you create a task list. Be sure to have everything packed Pick up your rental truck or confirm your move with the moving before your help arrives. It is natural for people to work in pairs, company. but you should consider each person’s physical ability and  Make sure you and your movers have the directions to your health status. Plan to provide beverages and food for your new home. Plan your travel so that you will be there to greet volunteers. Load the truck according to the directions your them and unlock your home. Have a backup plan in case one truck rental agency gave you, and make sure that you of you gets delayed. understand how to operate and drive the rental truck before you leave the agency.  Obtain the driver’s cell phone number and give him/her yours so you can stay in touch in case one of you is delayed.

 Ask what form of payment the movers will accept (check, money order, certified check, travelers checks) and make necessary arrangements.

Portland Information Guide [ 33 34 ] Portland Information Guide MOVING WITH CHILDREN & PETS

REINFORCE THE POSITIVES

Get family members focused on and involved in the process of moving. Hold a family meeting to discuss why, where, when and how the family will move. Encourage everyone to ask questions and express feelings. If possible, drive the family to see the new home and take a tour of the new neighborhood schools, shops and parks. Take photos or videotape the new house and neighborhood. Make lists for each older child of things to do to prepare for the move and assign them a special task or two. For example, they can read and inform other family members about the area history, landmarks, special events and amusements. Help children prepare for the move by having them assist with packing. Let them pack a box of special clothes, toys or books they would like readily accessible at their new home. Let each family member help plan how to set up his or her bedroom. Have them help select paint or wallpaper. Let them share ideas how to arrange the furniture. When the move takes place, set up the children’s rooms first. Choosing a School One of the most satisfying experiences a family can have is finding a school that fits its needs. That school will “feel right” because its administrators, teachers, and parents are part of a strong community that shares the family’s educational values. Children are eager to go there because the school program stimulates their curiosity and provides them with outlets for their interests. Parents will be pleased because their involvement in their children’s education will be welcomed and encouraged. In order to find the best school for your child, you should begin by observing your child’s learning habits. Even as preschoolers, children begin to develop different approaches to learning. These inclinations provide strong clues about what kind of school would serve them best. In her book Your Child’s First School, educational consultant Diana Townsend- Butterworth offers these suggestions of things to watch for in determining your child’s orientation to learning: • What does your child enjoy doing? • What excites your child and arouses his or her curiosity? • What seems to be frustrating? • Does your child thrive in a structured environment or seem to prefer one that offers more freedom? • Is your child quiet or rambunctious? • Does he or she prefer to work on projects alone or with other children? • Does he or she have any special interests or abilities?

Make a list of answers to these questions as well as taking note of any other characteristics you notice about your child. As you read more about individual schools, and when you visit the ones that interest you, you will be better able to choose a school that suits your child.

continued on page 36

Portland Information Guide [ 35 REINFORCE THE POSITIVES

For high school, parents often choose a new school for their Most schools believe parents should have a strong role in their children. This is frequently because their current school goes only children’s education. Being involved in a child’s education through eight grade. As you look for a high school, consider your strengthens the whole family and sends a message to children that child’s learning style as well as his or her interests when deciding education is an important part of their lives. Schools know that the upon a school. Also keep in mind your own family goals, which may way in which parents choose to become active in their children’s involve preparing for college, in making this important choice. schools varies greatly. They provide many different opportunities for What about family expectations? In order to provide a good parental involvement. Most schools have strong parent associations match, a child’s school must also meet a family’s needs. Here again, that organize social events, help coordinate volunteer activitied, and you may want to prepare a list of expectations and use it as a guide provide an organizes means of communication between parents in the search for the best school for your child: and school. • What goal do you have for your child’s long-term education? Is Each of these encounters strengthens the life of the schools and college preparation a priority? creates a community of committed adults supporting the goals of the schools and the students. This feeling of community, with adults • How important to you is parental involvement in school activities? and students working together for a common purpose, is one of the • Do you expect the school to have a role in developing a child’s distinguishing strengths of a good schools. character by encouraging respect for adults and peers as well as others in society, including the disadvantaged? Portland Public Schools (503) 916-2000 • How important is it to you that you have a strong relationship and 501 North Dixon Street Portland, OR 97227-1807 share a philosophy with other parents at the school? The Portland Public Schools district consists of about 100 • How interested are you in providing a home setting that gives schools covering in various combinations grades K through 12, as your child time for homework? well as 50 special education programs. The number of students in • How important to you is a before-school and after-school the school district is approximately 53,000 — over 90% of the program? available school-age children, a higher percentage than other large Before beginning a search for a school, parents should reflect on urban school districts. these questions, and their expectations for schools. Parents who Oregon Department of Education (503) 947-5600 choose schools wisely are pleased after their children enroll 255 Capitol Street NE because the family and the school work in harmony with a common Salem, OR 97310-0203 set of expectations for the youngsters. Admissions directors at schools will gladly connect you with parents of current students so you can make an informed choice for your child.

SELECTING CHILD CARE

When you’re new to a community, locating a person or program that can accommodate his or her special needs. It will help you in to provide child care for you is not the easiest of tasks. Due to your search to learn more about each type of child care setting. expanding demand, just finding an opening may be difficult. In home Pinpointing a place that is not too far or too expensive and, most Some parents may prefer the one-on-one contact an in-home importantly, a provider whom you trust, may take days or weeks of care provider can offer, especially for an infant. The International persistent phoning and visits. Nanny Association (INA) recommends that you interview any As a parent, it is your responsibility to ensure that your child is prospective hire at least twice and that you conduct a criminal safe and happy in a child care environment that is fun, educational, background check, which is usually done by most placement and nurturing. You will need to consider many questions. But you agencies. are not alone — an increasing number of parents rely on quality One key to good child care is whether the caregiver can adapt to child care so that they may work. About 70% of parents place their the needs of each child and family. Not all children of the same age young children in some type of daily care. Knowing in advance that are at the same level of development; each child has unique this is not an overnight process makes it a bit less overwhelming. character traits. A good caregiver understands these personal and Types of Child Care developmental differences and creates a program to meet each You might like the home-like feel of a family child care home, or child’s needs. maybe you want your child to have opportunity to socialize with Center-Based Care peers in a larger child care center. You might be looking for after The most popular type because there are so many options for school care for your child, a summer camp experience or a program children of all ages. You take your child to a place that is organized

36 ] Portland Information Guide SELECTING CHILD CARE and staffed specifically to care for a group or groups of children. checks. The facility must be child-proof and all staff members Some types include day care centers, preschool programs, should wear disposable gloves when changing diapers. Toys should before/after school programs. be disinfected on a regular basis and frequent hand washing should Day Care Center be promoted among the staff and children to minimize the spread If you’re considering a day care center or another group setting, of infection. you should spend some time observing the center and talking to Preparing Your Child for Child Care parents with children in the center. You should also expect that your child will be assigned to the same caregiver to promote a sense of Most young infants, up to seven months, adapt to caring adults security and consistency. Inquire about the rate of staff resignations; and seldom have problems adjusting to good child care. Older low staff turnover minimizes the need for young children to infants may be upset when left with strangers. They may feel repeatedly adjust to new caregivers. separation anxiety, which is a normal part of development for some children. They will need extra time and your support to “get to Preschool Programs know” the caregiver. Some children show changes in behavior Preschool programs are offered through Head Start, child care when they start child care. Toddlers may cry, pout, refuse to go to centers or local public and private schools. They can be offered as or act angry in other ways. Preschoolers may regress and behave a half-day program for three or four days a week or they can be part like a younger child. They may be more wakeful at night. This of a full day program at a child care center. behavior usually goes away after a few days or weeks in high-quality Before/After School Programs child care, just be sure to monitor. These programs give children additional time and opportunity to You may help your child adjust to a new child care arrangement. engage in hands-on enrichment activities in reading, science, math, Arrange a visit with in-home caregivers while you are at home or art, drama, and specific “safety” topics that include conflict when you need child care for a short time. Visit the center or family resolution and drug abuse. Most programs offer homework child care home that you have chosen with your child before assistance and some offer tutoring. Most also provide supervised beginning care. Show your child that you like and trust the caregiver. physical activity and healthy snacks, or even dinner. School age programs are often provided through local schools, child care Some children like to carry a reminder of home when they go to centers, churches, or youth-oriented community organizations. child care. A family photograph or small toy can be helpful. Talking Quality features include opportunities for children to make individual to your child about child care and the caregiver is helpful. Being and group choices about activities, opportunity to improve prepared makes any new experience easier for children. There also academic skills, spaces for children to relax and rest, well are storybooks about child care that you and your child can read supervised spaces where they can be active, nutritious snacks, and together. (Check with your local library, another great outing for a parental involvement. parent and child) After a child has been in child care, a sudden change in Choosing Child Care caregivers may be upsetting. This can happen even if the new In addition to the forms of child care, you want to take into caregiver is kind and competent. If you are concerned about your account the following factors: child's feelings, you may want to arrange a meeting with the • Age and personality of your child. caregiver or ask your pediatrician for advice. Parents need to help • Child care needs of all the children in your family. the caregivers and the child deal with any changes in the child's • Location of your workplace, home and child care facility. routine at home or child care. High-quality child care helps children grow in every way and promotes their physical, social and mental • Hours you need child care. development. It offers support to working parents. Your pediatrician • What you can afford. wants your child to grow and develop with enjoyment in a setting When you begin your search, start with the telephone. Plan to that supports you as a parent. spend a few minutes with each call. Describe your needs and ask In the final analysis, locating a child care provider with whom you about the program, staff, location, other children in care, and what are confident is well worth the searching. Why? Your child benefits is included in the cost. Make an appointment and visit the center, greatly from such an arrangement, meeting and interacting with school or home, and plan on spending at least an hour at each other children and adults. The child learns and grows from place. Visit once to observe the children in care and at another time experience, often times a major step in establishing independence outside of regular structured hours to spend time with provider or and becoming his or her “own person.” And you feel more at ease director. leaving them. In any group center, health, safety, and hygiene must be given For more information you may want to visit the following website: priority in all settings. All children and staff members should have American Academy of Pediatrics, www.aap.org current immunizations; staff should have clear criminal background

Portland Information Guide [ 37 TYPES OF HIGHER EDUCATION

Community Colleges Online schools offer everything from Associate’s degrees to Community colleges exist for two major purposes. The first is to Doctoral programs with available emphases in everything from serve as a bridge from high school to college by providing courses Business Administration to Criminal Justice to Nursing. Some for transfer toward a bachelor’s degree. Four out of 10 college- programs require students to attend some campus classes or bound high-school graduates start their college education this way. orientations, but many are delivered completely online. The second function of community colleges is to prepare Online courses generally require a computer with a broadband students for the job market by offering entry-level career training as connection, but are now a serious option for the busy professional. well as courses for adult students who want to upgrade their skills Public vs. Private for the workplace. They often offer programs that are not available Public colleges are usually less expensive, particularly for in-state at four-year schools, like fashion design. residents. They get most of their money from the state or local Portland Community College (503) 731-6600 government. Private colleges rely on tuition, fees, endowments, and 1626 Se Water Ave other private sources. Private colleges are usually smaller and can Portland, OR 97214 offer more personalized attention and often more prestige. pcc.edu Offer a great variety of classes and programs that serve many Lewis & Clark College (503) 768-7000 0615 SW Palatine Hill Rd audiences, centered around traditional college programs: University Portland, OR 97219 - 7879 transfer and two-year professional-technical degrees. Three www.lclark.edu campuses: At Lewis & Clark College, we welcome all who are alive to inquiry, Cascade Campus open to diversity, and eager to shape life in an interdependent 705 N. Killingsworth St. world. We pursue baccalaureate studies in the arts, humanities, and Portland, OR 97217 sciences, and graduate and professional studies in education, Rock Creek Campus counseling, and law. 17705 NW Springville Rd. Portland, OR 97229 University of Portland (503) 943-8000 5000 N. Willamette Boulevard Sylvania Campus Portland, OR 97203-5798 12000 SW 49th Ave. www.up.edu Portland, OR 97219 Since 1901, Oregon’s Catholic university has devoted itself to Liberal Arts Colleges educating hearts and minds by focusing on three central elements: Liberal arts colleges offer a broad base of courses in the teaching, faith, and service. The University is ranked among the top humanities, social sciences, and sciences. Most are private and 10 schools in the West by U.S. News and World Report focus mainly on undergraduate students. Classes tend to be small Trade & Specialty Schools and personal attention is available. Art Institute Of Portland (503) 228-6528 Online Learning 1122 NW Davis St Portland, OR 97209 Recent years have witnessed the rise of online degree programs, www.artinstitutes.edu to allow the busy professional a chance to work at their own pace With more than 80,000 square feet of space at 1122 NW Davis from the comfort of their home on the path to getting a degree. The Street, The Art Institute of Portland is more than just a note-taking, costs to students are typically the same as for traditional classes— test-taking institution. Twelve computer labs are abuzz all day long and financial aid is equally available—while the cost to the institution with students working on Macs and PCs, using various software can be much less. applications such as Maya, Adobe Photoshop, Adobe Illustrator, There are online universities ranging from legitimate distance CAD, 3D Studio Max, ProTools and Avid DV Express for class learning systems to fly-by-night degree-mills. It’s important to projects. research a particular institution before deciding to enroll in their Oregon Health & Science University (503) 494-8311 system. Generally, brick-and-mortar schools that also offer online 3181 S.W. Sam Jackson Park Rd. classes are the safest, though there are plenty of fully accredited Portland, Oregon 97239-3098 online universities out there. www.ohsu.edu Nearly 3 million students are believed to be taking online classes Formed in 1974 as the Health Sciences at institutions of higher education in the United States this year. That Center, combining state dentistry, medicine, and nursing programs number has been growing about 25% a year recently. Now, virtually into a single center. It was renamed Oregon Health Sciences all public higher education institutions, as well as a vast majority of University in 1981 and took its current name in 2001, as part of a private, for-profit institutions, now offer online classes. By contrast, merger with the Oregon Graduate Institute of Science and only about half of private, nonprofit schools offer them. Technology (OGI) in Beaverton.

38 ] Portland Information Guide TYPES OF HIGHER EDUCATION

Universities Upper Division Generally, a university is bigger than a college and offers more Upper-division schools offer the last two years of undergraduate majors and research facilities. Class size often reflects institutional study, usually in specialized programs leading to a bachelor’s size and some classes may taught by graduate students. degree. Students then generally transfer to an upper-division Portland State University (503) 725-3511 college after completing an associate degree or after finishing a 1631 SW 12th Ave second year of study at a four-year college. Portland, OR 97209 www.pdx.edu With graduate and undergraduate enrollment of around 24,000, is Oregon's largest university. Its primary campus is at the southern edge of downtown.

DEGREES AND CERTIFICATES

Certificate or Diploma These non-degree offerings generally lead to employment in an occupational field. For example, to enter fields such as computer science or teaching, you may first have to get a certificate or diploma. Associate Degree You receive an associate of arts (AA) or associate of science (AS) degree after completing two years of study similar to the first two years of a four-year college. After earning an AA or an AS, you may transfer to a four-year college to complete the requirements for a bachelor’s degree. The associate of applied science (AAS) degree is awarded on completion of technological or vocation programs of study. Bachelor’s or Baccalaureate Degree Complete a four- or five-year, full-time program of study (or its part-time equivalent) at a college. The Bachelor of Arts (B.A.) and Bachelor of Science (B.S.) are the most common. Combined Bachelor’s/Graduate Degree (or Joint Degree) Complete a bachelor’s degree and a master’s or first-professional degree in less than the usual amount of time. In most programs, students apply to the graduate program during their first three years of undergraduate study, and begin the graduate program in their fourth year of college. Successful completion results in awarding of both bachelor’s and graduate degrees. These are sometimes referred to as “4 +1” programs. Masters Degree These signify more specialized training in a particular field. They are competed after the bachelor’s degree, usually over the course of 2 years for the full time student. Doctorates These generally signify some significant research in the field, and are an upper level degree.

Portland Information Guide [ 39 PAYING FOR SCHOOL

FAFSA www.fafsa.gov Need-Based FAFSA, the Free Application for Federal Student Aid, is a form Need-based financial aid is awarded on the basis of the financial that must be filled out annually by university to determine their need of the student. The amount of need based aid is generally eligibility for federal financial aid (including grants, loans, and work- based off the criteria on the FAFSA. study programs). In addition, most states and schools use Loans information from the FAFSA to award non-federal aid. While included in the term “financial aid” Higher Education Loans The FAFSA consists of numerous questions regarding the differ from scholarships and grants in that they must be paid back. student’s finances, as well as those of his or her family; these are They come in several varieties in the United States entered into a formula that determines the Expected Family • Federal Student Loans made to students directly: No payments Contribution. The amount of the EFC can vary widely, depending on until after graduation, but amounts are quite limited a number of factors; for example, one such factor is whether a • Federal Student Loans made to parents: Much higher limit, but student has siblings in college at the time. payments start immediately The best place to look for help before you start filling out your • Private Student Loans made to students or parents: Higher limits FAFSA is at your school's financial aid office. and no payments until after graduation. Other Sources Getting Your MBA Part-time FAFSA only scratches the surface of the money available to Getting your MBA may be imperative to you and your career. students for school. There are many state and private scholarships More than 40% of all graduate students are working adults, so it is out there. The easiest way to find listings of what scholarships that possible to balance the rest of your life with your desire to continue you may qualify for is by going to a scholarship database online and your education. doing a search. Some handy sites for this are: You’ll generally spend three to four hours a week with the Lunch-money.com instructor in a 3-credit class. It’s generally recommended that you Finaid.org spend about 8 additional hours a week studying and preparing for Fastweb.com the next classroom session, so 12-15 hrs a week total. Collegeboard.com So where are you going to find an extra 15 hrs a week? It helps It’s not recommended that you participate in any website that to journal how you do spend your time during the week, and then asks you to pay a fee to search for a scholarship; there are many list priorities. Lower priority items, like watching TV, may take up wonderful free sites available. more time than you realize, and can be shelved so you can continue Types of Financial Aid your education. Re-prioritizing your time is the most crucial step in ensuring you’ll Financial aid may be classified into two types based on the have success on your path to your degree. Make sure you discuss criteria through which the financial aid is awarded: merit-based or your goals with your boss, friends, and family, so they know what to need-based. expect as you add this major commitment to your life. Merit-Based Merit-scholarships are typically awarded for outstanding academic achievements, although some merit scholarships can also be awarded for special talents, leadership potential and other personal characteristics. Merit scholarships are sometimes awarded without regard for the financial need of the applicant. Athletic scholarships are a form of merit aid that takes athletic talent into account.

40 ] Portland Information Guide RELOCATING YOUR PET

Your coffee is finally brewing after what seemed like an endless Farfetched? Not really. Pets are probably most overlooked when search through the boxes left by the moving company. The disk it comes to relocating. Most people just expect their pets to wake jockey on the radio reads the weather forecast and you learn that it up completely adapted to their new surroundings as if nothing is 70 degrees outside with an expected high of 75. Welcome to your changed. Although this is true for many pets, just as many find new city, but at least your company gave you a nice raise for relocating to be traumatic. Furthermore, most people wait until their relocating. pet is ill before finding a new veterinarian. Just as you start thinking that everything is proceeding smoothly What should you do then for your pet when relocating? Actually and that your new city really does have a lot to offer, you realize the place to begin is in your hometown before you move. Speak to Prince, your four-year old Great Dane, isn’t acting right. Now what? your own veterinarian and tell him/her where you are moving and Is he really sick? Homesick? What’s worse is that you don’t know ask his/her advice. In most cases, this alone will be sufficient to find where the closest veterinarian is located and, of course, he or she out what is necessary to prepare your pet for transition. Further, can’t be as good as Dr. Morris…and Prince just loved Dr. Morris. people will be surprised how often their veterinarian can recommend someone in the area where they are moving. Whether or not this person will actually become your new veterinarian is not as important as the peace of mind that the recommendation is from someone you trust. Finally, don’t wait until your pet is ill before looking for a veterinarian. This is an extremely emotional time and nothing can be more traumatic than having to find a veterinarian in the midst of a crisis. It is obvious, then, that you should find a new veterinarian before that first crisis occurs so that when the need arises, you will be prepared. How do you go about finding a new veterinarian in a new city? The best place to begin is simply the NewMarket Services Information Guide. Location is an important factor, as many pets don’t travel well and, in the case of emergency, distance may be a factor in receiving timely treatment. After making a list of local veterinary clinics, take the time to go visit them. Talk to the staff. Ask about office hours, fees, whether appointments are required, and what services are available. Also, ask if it is possible to talk to the doctor so that you can introduce yourself and at least have a first impression to help you make your choice. Finally, ask your neighbors which veterinarians they take their pets to and why. Then, of course, it’s your decision, but at least you have gathered some information on which to base your decision. All dogs should be vaccinated for the possibly fatal disease Parvovirus. Remember to NEVER leave your pet in a car in hot weather, as heat conditions in cars can quickly become fatal to animals.

Portland Information Guide [ 41 FITNESS AND HEALTH

IN THE KITCHEN

Starting with Thanksgiving, turkey is an important part of many holiday meals. We all look forward to the smell of the turkey roasting for hours in our homes. It is very Swelcoming for guests, and puts everyone in a festive mood. Most of the fat in turkey is within the skin and most of the fat within the meat is in the dark meat. The white meat with the skin removed is a good food source for people on low- fat or low sodium diets. The meat fiber is easier to digest than other types of meat, which makes it a good choice for individuals that may have digestive problems.Turkey is an excellent source of several important vitamins and nutrients such as iron, niacin, zinc, potassium, and B vitamins. And what about blaming the turkey for your after dinner lethargy? Turkey does contain L-tryptophan, an essential amino acid that has a sleep inducing effect. However, L-tryptophan needs to be taken on an empty stomach and without any other amino acids or protein in order to make you drowsy. There’s lots of protein in a serving of turkey and it's probably not the only food you are consuming at the meal. The truth is that you could omit the bird altogether and still feel the effects of the meal! The day after the feast is equally anticipated for those wonderful leftovers. But you can only eat so many turkey sandwiches and may need another use for the scraps. Try the chili recipe below. And after the first of year when all of the treats are gone and the waistband needs shrinking, try the recipe with ground turkey for a low-fat, satisfying meal. Simple Turkey Chili Ingredients 1 tablespoon olive oil 2 (16 ounce) cans canned kidney beans - 2 onion, chopped drained, rinsed, and mashed 2 tablespoons garlic, minced 1/3 cup chili powder, or to taste 4 cups water 1 teaspoon paprika 4 cups cooked turkey, chopped 1 teaspoon dried oregano or 2 pounds ground turkey 1 teaspoon ground cayenne pepper Age is something 2 (28 ounce) cans canned crushed 1 teaspoon ground cumin that doesn't matter, tomatoes 1 teaspoon salt 1 teaspoon ground black pepper unless you are Direction Heat the oil in a large pot over medium heat. Stir in onion and garlic, and cook until a cheese tender. Pour water into the pot. Mix in all remaining ingredients except kidney beans, and garlic.Bring to a boil. Reduce heat to low, cover, and simmer 30 minutes. Add kidney beans. Serves 16.

Please visit our website, www.NewMarketServices for more recipes. Be one of the first 25 people to enter a recipe this month and receive $10 and automatic entry into our $2500 semi-annual best recipe contest. See website for details.

42 ] Portland Information Guide PHYSICAL AND MENTAL WELL BEING

Choosing a Health Club • Does the club offer instruction in a sport or activity that you might Your move is filled with many new challenges. If your life style want to learn (tennis, squash, swimming, etc.)? includes working out a priority will be to find a club that meets your • Does the club offer a variety of leagues? If you want to compete needs. Or a new move may bring the perfect time to implement - is the club affiliated to the right leagues, and does it have teams those healthy lifestyle changes that were on your New Year’s of the right standard for your competencies? Resolution list for the past several years. • Does the club offer a variety of high-quality weight equipment? It Begin your search before you move. Ask your current club for should include free weights, such as barbells and dumbbells, and recommendations or perhaps they even have reciprocity with a club machine weights, you really need both to get a proper workout. in your new location. If you belong to a national chain, chances are • Does the club offer a sufficient number and variety of programs good that you will be able to transfer your membership. for you to achieve other goals (stress management, weight However if you do find yourself looking for a new club, use this management, smoking cessation, social activities, etc.)? check list to help you find the place that will work best for you. • Are there long lines at the equipment, or crowded aerobics When visiting a club use your own observations and question the classes, at the time that you would be using the club? staff and current members. Be sure your new club will be able to • What are the real costs? Make sure you understand all rates, meet your fitness, social, and safety needs. charges and fees because these can vary widely, and many clubs • Is the club clean and well maintained, especially the locker rooms require contracts ranging from a few weeks to a year or more. Be and the shower areas? sure you’re entitled to use all facilities, such as pools and spas at • Are staff members friendly and helpful? Make sure there is always no extra charge. someone available to answer your questions, to show you a new • Is child care available if you need it? exercise, or how to use a piece of equipment. • Is there adequate parking available if you need it? • Does the location for work for you? It’s best to select a club that’s One way to find out whether a club is right for you is to try it out near where you live or work. for a few days. Some clubs offer a special guest pass for • Do fitness staff members have appropriate educational prospective members. But even if you have to pay for a week to try backgrounds and/or certification from nationally recognized it out, it’s better to spend the money than to make a long-term certifying agencies? commitment to a club that doesn’t work out. Try the club during the • Are new members provided with a club orientation and hours you will normally be using it. It will give you a realistic idea of instruction on how to use equipment? what the club environment while you are there. • What age group do you see while visiting? If you are in your 50’s, It’s important to read health club contracts carefully. Don’t do you really want to work out with a group in their 20’s (and vice assume the club offers classes such as aerobics as part of the versa)? Be sure to visit club at the time you will be normally using membership. While some do, others charge extra. If the health club the facilities. requires a long-term commitment, find out whether you’ll be able to • Does the club have the cardiovascular resistance equipment you get a refund if you need to cancel your membership due to a job want and need to achieve your fitness goals? transfer, an injury or if you simply find that the club isn’t working for • Does the club offer sufficient number and variety of programs for you. you to achieve your fitness goals (aerobic, racquet sports, It’s a fact that of every three people who join a health club, only basketball, etc.)? If classes or group activities help to motivate one will work out there 100 days a year. Find a club that you are you and the health club doesn’t offer the classes you need, comfortable with and you will greatly increase your chances of sticking with your exercise program won’t be realistic. being the one of three people that are there more than 100 days a year. NewMarket Services wishes you good health.

Portland Information Guide [ 43 PHYSICAL AND MENTAL WELL BEING

Coping With Change a new community requires finding new sources for familiar services. Did you know that your body and mind sense change as stress? Finding a new hairdresser, barber, drugstore, food market, doctor, Whether you change the place you live or where you work, it all lawyer, cleaner and shoemaker are all necessary. You not only have adds up to stress. The more changes that come at one time, the to locate these services, but you need to determine if you are more stress you experience. satisfied with the quality of the services provided. Forming a comfortable working relationship with the service provider adds more stress to the change itself. Perhaps your whole lifestyle changes if you are moving from a smaller or larger community. With long-distance moves, you will have to make new friends and develop a different emotional support system. When these changes are not made through your own choices, but are the decisions of a boss or someone in your family, then the stress is even greater. Children have to make changes because of their parents. They need special help and understanding getting settled in school and making new friends. Often, they will have difficulties as they adjust to the new surroundings. Changes produce stress not only within yourself, but also with the people with whom you are close. It may cause you to react differently from your usual behavior. If you are in a relationship or marriage, you may find more tension developing, with less patience or tolerance of the other person. If you live alone, not knowing where to go to make new friends can bring feelings of isolation and loneliness. Creatures of Habit Psychologically, most of us are creatures of habit and quickly develop repetitive patterns that make us feel comfortable and secure. Ever notice that most people find the same seat or section Self-Image of the commuter train or bus? Drivers usually take the same route Your attitudes towards change often depend on your self image every day. We do this in order to reduce stress. and expectations of how difficult it may be. Your self image is the The sameness of established behavior develops a sense of inner vision of who you are. It is the basis of your every thought, control over ourselves and surroundings. By seeking repetitive word and action. Moving, with the many changes it entails, offers an habits, we save our energy for new events that are either excellent opportunity to modify and/or improve your self image unpredictable or uncontrollable. When change removes the through the risks of taking positive action. sameness from our lives, we attempt to relieve the tension Some people welcome change as a challenge or an exciting new produced by uncertainty and newness. We look for ways to develop experience. Others may resent the inconvenience and extra effort other familiar patterns. they need to make to re-establish a comfortable routine. Still others Management of Change feel overwhelmed by the unknown and are not sure where to go or To manage change effectively, several simple steps will help you to whom to turn. adjust to the newness and extra effort needed to establish different Often, stress causes old issues, defeats or concerns to patterns in your life. resurface. Perhaps new worries and fears form unexpectedly, or • Organize your time so you can finish the tasks you have planned. you feel tired and fatigued most of the time. Decision making • Have realistic expectations. Do not plan to complete everything abilities are affected, and you seem to be having less fun and within the first few weeks. enjoyment. These are all telltale signs of stress brought on by change. • List your priorities and finish each one before you go on to the next. When signs of stress affect you, it may be a time of emotional transition, indicating old behavior patterns are not as effective as • Provide your body with recreational time and time to relax. they once were. This is often a good time for self-reflection-to look • Trust your first impressions; they are most often right. at what you like in yourself and what you do not like. Periods of change can offer you an opportunity for growth within Stress yourself. Professional consultation may be useful during this period. When you relocate to a new city, all categories of your life are changed. Along with the obvious changes listed above, moving to

44 ] Portland Information Guide VOLUNTEERING IN YOUR COMMUNITY

One of the best ways to become involved in your new community Many people are reminded of their wish to volunteer during is through volunteering. The benefits of volunteering are many, for holiday seasons, but this is when organizations might have an everyone involved. Ask your employer for advice. Many companies excess of help. If you want to volunteer during the holiday, give employees paid time off to volunteer and will often publicize remember to contact the organization in advance. Otherwise, time their employees’ community service. According to the research your work for the lean season. group Independent Sector, the U.S. volunteer sector is equivalent to Volunteering is fun, leads to learning new skills, meeting 9 million full-time workers. Whether you have an hour or a weekend, interesting people, making new friends, sharing your talents, and if you want to help kids or the environment, there are great keeping in touch with the community in which you live. Whether it is organizations that will excite your particular interest, broaden your important to you to solve a community problem, advance a worthy horizons and fit into your time schedule. cause or to develop as a person, volunteering offers many benefits Don’t forget to include your family. If your children are school age in appreciation for the gift of your time and expertise. chances are there are many opportunities to volunteer at their Once you have chosen an area of interest, how should you go school, or even in their classroom. That is a great way to meet other about involving yourself? See what the Web can do for you. 1-(800) parents with children the same age. Clean up a neighborhood park Volunteer.org, a service of the Points of Light Foundation & with your children. Spend a morning at a homeless shelter with your Volunteer Center National Network provides listings of local and children. You’ll find that volunteering is not only a fun family-bonding virtual volunteering as well as contact information for Volunteer experience but a great way to teach children the importance of Centers across the nation. Open the classified section of your local giving back to the community. paper. Check out the bulletin boards in your office. Or just start How you get involved with your community depends on your calling the local agencies you’re interested in. interests, skills and time. Choose something that fits well in to your One of the best ways to make these contacts is to walk right into schedule and makes you excited about working together to help the organization—a library, a shelter, training facility, or a political make a difference. Every person has that capability. Each of us can office—and find out who organizes volunteers. You can tell a lot by right a wrong, fill a plate, visit a shut-in or clean up a park, and that meeting the volunteer coordinator and any volunteers who happen does make the world a better place. to be on duty. While you won’t earn a paycheck for volunteering, There are several things to consider when choosing in what to you will earn valuable experience, a sense of accomplishment, and involve yourself. First of all be selective, think about what matters to the satisfaction that only comes from personally making the world a you, and where you wish to spend your time. If you have certain better place to live. social issues that you feel passionate about, it’s a great place to put your energy. You may have particular skills that will steer you toward a certain organization. Are you willing to explore new opportunities? Volunteering can teach you valuable new skills that you may use in other parts of your life. "You make a living by what you get, but you make a life by what you give." - Winston Churchill

Portland Information Guide [ 45 46 ] Portland Information Guide HOUSING

MAKING THE RIGHT CHOICE...

Rent or Buy? The decision to rent or buy in your new location is dependent upon many considerations unique to your personal situation. Some of the potential factors involve the tax implications, down payment, other investment vehicles, the length of time you are anticipating being in your new location and whether or not your current home has sold. If you decide to buy, should you purchase an existing home or build a new one? Again, many factors have to be considered. Will an existing home need a lot of repair or remodeling to bring it to your standards? What about the difference in the cost of operation and maintenance between new and an existing structure? How should you finance a renovation? Which home will appreciate faster? Will it be difficult to get a construction loan? Is it better to rent for a while to become familiar with neighborhoods in your new city? What about capital gains tax if you don’t close in time? We suggest you seek the advice of a certified financial planner and a realtor to thoroughly clarify your options. These choices can become quite complex. Some Advantages to Renting Whether you’re in your first apartment or a longtime resident, there are many advantages you are afforded by choosing apartment living. Mobility: You enjoy the freedom to move, to accept that better job, to take the vacation you’ve dreamed of. No maintenance: Just relax and delight in the grounds and facilities maintenance technicians keeps attractive for you. Flexibility: You have the ability to increase or decrease your living space without the burden of sales pitches, closing costs, interest rates or the high cost of maintaining a home and property. Location: The choice is yours! Recreation: Chances are, you’ve chosen an apartment community with a swimming pool, tennis court, weight room or sauna. Apartments have the equipment and people to maintain them, which is no small task for the homeowner. No waiting: If you’re like most apartment residents, moving into your apartment was easy and fast. You settled into your new home without lengthy paperwork, a loan approval period or a large financial investment. Your Current Residence As you prepare to move, a big decision may include whether to sell or rent your current property. Ask yourself the following questions as you make this decision. You may also want to ask advice from a real estate agent.

continued on page 48

Portland Information Guide [ 47 MAKING THE RIGHT CHOICE

Market Inspect kitchen appliances. Check the stove to see if all burners Is it a seller’s market? Signs include low interest rates and work. Does the range have a hood with a fan? Is the oven self- shortage of homes for sale. How long have similar homes been on cleaning? Is the stove gas or electric? If it is gas, you may have an the market and how long are you willing to let your home be on the extra monthly charge for cooking gas. This would also be true if you market? Or is it a good rental market and do rental units have tenant had a gas clothes dryer in your unit. Check out the waiting lists? Is your property in a trendy area? Desirable areas refrigerator/freezer for storage space. Is there enough counter and typically garner higher rents and seldom have vacancies. cabinet space? Don’t forget to keep an eye out for bugs, especially Financial in a high-rise building. Is this property good for rental income? Can you charge more for Inspect the central air conditioning and heating systems. Ask rent than you pay for mortgage, taxes and upkeep? How will selling other tenants if there is enough heat in the winter. It can be costly if affect your federal and state tax situation? Furthermore, if your you have to buy or rent window air conditioning units. property does not sell quickly, can you afford to keep the home Is there enough storage space? Do you have enough closets for vacant while it’s on the market? If not, do you feel you will be able clothes, linens and general items. Are there built-in shelves and to find a renter on a short-term basis? Are you likely to want to move bookcases for books and DVDs? Do you also get a storage space back into the home some day? that is not adjacent to the unit? Rental Tips Does the building have special amenities such as a swimming Apartment experts say that some detective work is needed to pool, game room, barbecue area, and exercise room or tennis conduct a search that finds the most livable rental residence for the courts? Keep in mind that recreational amenities generally will money. After you have weeded out a good apartment complex from increase your rent. You should consider what features you will really many rent signs and/or listings, scanned the neighborhood you like use. for the best rental possibilities, you will be ready to scrutinize each How is the noise level in the complex? Have neighbors been property and landlord for shortcomings. It is easy for a prospective playing music louder than you prefer? Are you located by a major tenant to gather quick clues about the general care, maintenance of airport, freeway or train tracks? the building, and cleanliness of the area overall. Try to talk to the Do you need an apartment that takes pets? If not, do you want tenant who is vacating the apartment you are planning to rent. He to live in an area that does? Do tenants appear to be cleaning up or she can tell you a great deal about the pluses and minuses of after their pets? What is the management policy for pet size and living there. Here are some tips for inspecting the inside of the maintenance? apartment: Rental experts suggest that tenants should tour several Is it clean? Carpet should be cleaned and walls/ceilings should apartment complexes before placing a deposit on a unit. The be freshly painted. Does the apartment have a bad odor? It could minimum deposit to hold a unit is usually $100. Prospective renters be a tip that the prior tenant had a pet or cooked spicy foods. still need to fill out an application and pay an application fee. This Check room sizes with a floor plan. Make sure the furniture that will hold your unit while your employment, credit and rental histories you will be moving will fit. Is the bedroom near the bathroom? Does are being checked out. This process usually takes 7 to 10 days to the dining room adjoin the kitchen? complete.

48 ] Portland Information Guide CHOOSING THE RIGHT HOME

Making a final decision and determining which house to make an Property Taxes offer on shouldn’t be taken lightly. The decision should be made Property taxes may vary from one neighborhood to another. This rationally and not guided by emotion. You most likely won’t have the can sometimes affect whether you view a community as a desirable luxury of taking your time on deciding which house you’d like to place to live. Higher property taxes often mean newer and more pursue. However, since it is such a major decision you would like to modern schools, well-maintained roads, and bountiful community base it on factual information. Some broad categories to consider services. are: Schools Appreciation If you have school-aged children and plan to send them to public Ask your real estate agent to retrieve sales of homes in the school, you definitely want to consider the reputation of the neighborhood over the past few years. If one neighborhood shows neighborhood school. If you plan on sending your child to a private an annual average 8 percent increase and another is skyrocketing school, how long is the commute? You will likely spend a lot of time at 15 percent, you may have your decision made. driving your child not only during the school day but for extra- Crime curricular events outside the daily school schedule. Which ever Go to the local police or sheriff department and ask about crime school you decide, you can usually find general district information in your specific neighborhood. You might find theft or vandalism to and state standardized test results online. Always plan a visit to the be more prevalent in one area than another. Also please the school and receive the information first-hand from school website, www.familywatchdog.us. When you visit this site you can administrators. You should also talk to teachers and parents. enter your address and a map will pop up with your house as the Sellers’ Situations small icon of a house and red, blue, green, dots surrounding your If you don’t know already, ask your real estate agent how long the entire neighborhood. When you click on these dots a picture of a house has been on the market. Usually the longer a house has been person will appear with an address and the description of the crime listed, the better chance the seller will accept an offer lower than he or she had committed. asking price. Conversely, if the house has been on the market for Drawbacks just a couple days, the sellers will probably wait for a better offer if Rarely will you be lucky enough to find a perfect place. Think you offer less than the listed price. Your real estate agent might also about the cons associated with each house and determine to be able to dig up additional information about the sellers, like why correct them or how much of a negative impact each will have. they’re selling. If it’s a job-related move or a divorce, the sellers likely want to move as quickly as possible, meaning you have a better Neighborhoods shot at them accepting a lower price. If you have kids or pets and being close to a park is important, you’ll want to consider that. How close are shopping, restaurants, Style and Substance churches, and other services? Are the streets maintained? How do The SUBSTANCE are things that cannot be changed such as the your prospective neighbors keep up their property? How long will location, view, size of lot, noise in the area, school district, and floor your commute to work be? plan. The STYLE represents easily changed surface finishes like carpet, wallpaper, color, and window coverings. Buy the house with The House good SUBSTANCE, because the STYLE can always be changed to Make a list of the amenities and attributes you want your house match your tastes. to have. Be specific. Prioritize that list. Then, rate how each house measures up to each need on your list.

Portland Information Guide [ 49 HOME INSPECTION CHECKLIST

Finding faults in a home doesn’t necessarily mean you shouldn’t Interior buy it. But it will help you to know the type of repair costs that The kitchen and baths are the most expensive rooms to should be anticipated, and sellers often will make adjustments in renovate, so check their condition carefully. A newly-painted interior their asking price on the basis of problems discovered in an may look nice, but it could be hiding something. inspection. Plumbing Inspectors look for the following: Turn on the bathroom sink faucet and shower and then flush the Brick and Concrete toilet. When the toilet starts to refill, does the water pressure Check pavement, driveways and horizontal brick surfaces for diminish? Fill sinks and tub with three inches of water. Do they drain cracks. Is there damage from freezing? What is the condition of the properly? Do faucets leak? Lift up the carpeting. Are there any signs mortar between the bricks? Is any pavement buckling from of flooding or decay? spreading underground tree roots? Roof Electrical Are shingles curling and lifting? Find out how old the roof is, and Open the door on the fuse box or circuit-breaker panel. Is the you will have a pretty good idea of when you will have to replace it. electrical service adequate? The average house should have 100- Termites and Carpenter Ants amp service. Is it wired for 220 volts, which is necessary for electric Look for evidence of termites and carpenter ants on basement dryers and ranges? wood framing. Is there saw dust like wood or paper debris? Can Exterior you find evidence of termite tubes or tunnels? Termites live in earth, Is the house well maintained? Does the roof sag? Are the exterior so make sure that there are no places where earth is closer than six walls out of line? What is the condition of the paint, especially on the inches to wood. Like termites, carpenter ants like wood and wood south and west sides, where sun exposure is greatest? Is there products. adequate drainage away from the house? Water Damage Heating & Cooling Look in the basement for signs of leakage. This could be a result How old is the heating/cooling system? Has it been maintained? of poor drainage around the house. Water damage also is caused Ask to see the owner’s cooling bills for the previous year. This will by seepage through porous basement walls and condensation, give you an idea of its energy efficiency. which frequently is caused by inadequate ventilation. Basement Insulation walls painted a dark color may be an effort to disguise a past Check the attic and crawl space. Is the insulation adequate and problem. Beware of chalky white water stains on foundation walls complete? Has it been properly installed? Does the insulation or partitions; stains on wood and drywall; delamination of paneling obstruct the air vents, preventing the house from “breathing” and and lifting or buckling floor tiles; or a damp, mildew odor. possibly causing wood rot? Does the home have storm windows? Windows and Doors Has the glazing putty dried and shrunk, allowing water and air seepage? Is the wood decayed? Are the window and door frames caulked and weather-stripped?

50 ] Portland Information Guide HOME CARE BASICS FOR NEW HOMEOWNERS

You’ve finally done it—you’ve just moved into your brand new Here are some additional tips for properly maintaining specific home. The smell of fresh paint still permeates the air. You’re likely systems in your new home. consumed with unpacking, setting up furnishings, rearranging, Appliances decorating—energized by the blank pallet you have to work with. Remember to read the instruction manual for every appliance in But once you’ve signed the thick pile of closing documents, the your new home. The manuals provide recommended cleaning and moving trucks have left and everything is neatly in its place, what do maintenance schedules and sometimes your warranty will become you do next? It’s time to get a handle on the routine maintenance void if you don’t follow these recommendations. you’ll need to perform in order to ensure that you and your family Driveways live comfortably in your new home for years to come. Here’s some If you have an asphalt driveway, remove oil, gasoline and similar advice to get you started and help save money while you’re at it: substances immediately with soapy water. Maintaining a clean home ensures it will last longer and works To avoid holes in your asphalt driveway, refrain from resting patio better. Dust and dirt, if allowed to accumulate, can harm the finishes furniture or bicycle stands on it. on blinds, cabinets, countertops, floors, sinks, tubs, toilets, walls, Do not burn anything on your driveway. tiles and other items. If dirt does accumulate, make sure to clean it When winter weather produces ice and snow, remove it promptly with a substance that does not scratch or damage the finishes. and avoid gouging your pavement while chipping away at ice. On the outside of your home, make sure that gutters and Use kitty litter or sand for traction on tough patches of ice. downspouts do not get clogged with leaves or other objects. The Thawing and freezing agents using salt and chemicals can damage exterior of your house is built to withstand exposure to the concrete, brick, mortar and asphalt. Salt will kill grass, shrubs and elements, but a periodic cleaning will improve the appearance and, trees as well—and wreaks havoc on leather—soled shoes. in many instances, prolong the life of siding and other exterior products. Gutters and Downspouts Clear away leaves, tree limbs and other debris from gutters and When you bought your home, you probably received a warranty downspouts. from the builder on workmanship and materials. This warranty applies to problems related to the construction of the home, but it Downspouts should be turned away from your home’s does not apply to problems that arise because of failure to perform foundation. routine maintenance. For example, if your roof begins to leak after Every four to six years, paint gutters that not are made of six months because of faulty workmanship, your warranty would aluminum or vinyl to help prevent rust. cover that. If you develop a problem because water backed up in Heating and Cooling Systems clogged gutters that you should have cleaned, the builder is not Late summer or early fall are the ideal time to do an annual responsible for repairs. Also, some items, such as appliances, may inspection and cleaning of these systems. be covered by manufacturers’ warranties and are not the Make sure you change the filters every three months. responsibility of the builder. Keeping your pilot light burning during the summer will help keep You should fully familiarize yourself with the terms of your the furnace dry and prevent corrosion. warranty soon after you move into your home. With all the Registers help regulate the flow of air and maintain the desired excitement surrounding a move into a new home, most people have temperature in your home. Keeping registers closed in rooms you little desire to curl up in front of the fireplace and read a legal don’t use will save on cooling/heating costs. document. Nonetheless, you should not wait to read your warranty Using heat generating appliances in the evening and reducing the until a problem arises. Set aside an hour to learn what your rights number of lights on will help keep the temperature down and save and responsibilities are from the outset. on costs during the summer. Plumbing Every member of your family should know where the intake valves are located. Label each one. If any of your appliances develops a leak, inspect your drain trap. A partially clogged drain can cause overflow. Use a plunger or a plumber’s snake to unclog the drain. If you need to, use boiling water to help unclog a partially opened drain. Call a plumber if these techniques don’t work. A worn washer, a loose part in a faucet or steam in a hot water pipe generally causes a noisy pipe. Do not hesitate to repair the noise because vibrations can follow the noise and lead to leaks.

Portland Information Guide [ 51 SECURITY

Each year more than six million residential burglaries occur Computer Security throughout the United States. That’s one every ten seconds! In Computer security is the process of preventing unauthorized use addition to the worry of home burglaries, we now also need to of your computer. concern ourselves with computer hackers and personal identity • Use of anti-virus software on all Internet-connected computers. theft. Listed below are some things that you can do to reduce your Be sure to keep your anti-virus software up-to-date. chances of becoming a victim. • Use of some type of firewall product, such as a network Home Security Checklist appliance or a personal firewall software package. • Have home security system professionally installed that offers a • Turn off your computer or disconnect its Ethernet interface when 24 hour monitoring system. Make sure to post the home system you are not using it. An intruder cannot attack your computer if it stickers and window decals: this should alert and deter would be is powered off or otherwise completely disconnected from the intruders. network. • Never stop mail or newspaper deliveries, it signals that you are • Use software backup tools if available, and store the backup away. Have a neighbor pick up all deliveries if possible. disks somewhere away from the computer. • When recording your answering machine message, do not state Identity Theft that you are not home or out of town. Identity theft occurs when someone uses your personal • When leaving for an extended period, put lights and stereo information without your permission to commit fraud or other /television on a timer to give the appearance that someone is crimes. While you can’t entirely control whether you will become a home. victim, there are steps you can take to minimize your risk. Exterior/Interior Security • Shred financial documents and paperwork with personal • Replace all locks immediately upon moving into your new home information before you discard them. and install deadbolts on all outside doors. • Protect your Social Security number. Don’t carry your Social • Secure your sliding glass doors with pins to prevent all horizontal Security card in your wallet or write your Social Security number and vertical movement. Also install security film over the glass on a check. Give it out only if absolutely necessary or ask to use panes for additional protection. another identifier. • Remember to lock all doors and windows. • Don’t give out personal information on the phone, through the • Provide remote panic buttons for children and/or elderly mail, or over the Internet unless you know who you are dealing residents. with. • Never keep garage door openers in cars that are parked outside • Never click on links sent in unsolicited emails; instead, type in a of your home. web address you know. Keep Your Valuables Safe • Don’t use an obvious password like your birth date, your • Keep your important papers, heirloom jewelry and large amounts mother’s maiden name, or the last four digits of your Social of cash in a safe deposit box. Security number. • Engrave your valuables with your social security number or drivers license number. • Store jewelry, firearms, furs and like in a small closet with a non- hinged solid core door that has a deadbolt. • When purchasing new electronic equipment, breakdown cartons before discarding them. This way you avoid advertising your new purchase to the entire neighborhood and drive-by observers.

52 ] Portland Information Guide TAKE CONTROL OF YOUR ENERGY COSTS

The cost of cooling your house continues to rise . There are a • Close doors to rooms that are not being used. number of ways you can save a significant amount of money on • Run full loads in your washer and dryer, and use “solar drying” your energy bills. In fact, it’s possible to save up to 25 percent on (clotheslines). your power bill by using the following tips. While your results might • Use energy saver option on your dishwasher, allowing dishes to vary, you’re guaranteed to find at least a few ways to save money. air dry. The idea behind all our advice, and in fact our entire conservation • If you A/C unit is on the ground, keep the area around it clean and effort, is to give you the information you need to make the right free of obstructions to maintain air flow. decisions. • Unplug your televisions/VCR when you’re on vacation. Most new These simple steps don’t cost a thing, but can potentially save sets draw power even when they’re turned off. you 10-25% on your monthly energy bill. • Keep lights and lighting fixtures clean, especially if you’re • Turn off lights and appliances when not in use. Don’t forget your reducing the number of lights you use. Dirt absorbs light. Let computer - it can use as much energy as a refrigerator. Most new lights cool before cleaning them and never touch halogen bulbs computers have “sleep” settings. with your bare hands. The oil from your skin can greatly damage • In the cold months, set the thermostat to 68 degrees when the bulbs. Use a small piece of paper to hold the bulb. home, and then back to 58 degrees when sleeping or when you • If your dishwasher has a filter clean it. are not home more than four hours. • Clean the reflectors underneath the burners on stovetops. • In warm months, set the thermostat to 78-80 degrees when home and 5 to 10 degrees warmer at night or when you’re not There are plenty of low cost, easy to do projects or steps you can home. do to save another 10-25% on your energy bill. • Do not turn your air conditioning off in the hot months when • Use compact fluorescent bulbs instead of incandescent ones. you’re not home. Your house will store up the heat and you’re This will typically save $1 per bulb changed out (for bulbs running likely to make the air conditioning run for hours to feel 4-6 hours per day) and reduce heat in your home. Regular bulbs comfortable. use most of the electricity to generate heat so use care when • In the winter, open window coverings on the sunny side of your changing bulbs. home to take advantage of “free heat from the sun” Close the • Caulk windows and caulk and weather-strip doors. Keep the coverings on cloudy days or right after the sun sets. outside air out and the inside air in. • In the cooling season, close blinds and drapes during the day to • Install a hot water heater blanket but be careful not to cover vents keep heat out. or temperature settings. • Also, use your dishwasher, clothes washer and dryer, and cook • Install hot water pipe insulation. Do keep the insulation at least six as late in the evening as possible. inches away from the flue (exhaust pipe) of gas water heaters. • Barbecue outside if practical, keeping in mind the heat and effect • Plant trees and shrubs on the south and west side of your of sun on your body. By reducing the heat coming into your home residence. The vegetation acts as insulation and provides from any source, will reduce the load on your air conditioning. shading, reducing thermal gain in a building. • Use pool trippers to reduce the time your swimming pool pump • Fix leaky faucets Install low flow showerheads. runs on—eight to twelve hours a day is plenty in the summer • Use room fans to keep the air moving and reduce the feeling of months, less in the winter months. heat in your home. • Set your water heater to 120 degrees. • Replace furnace and air conditioner filters. Spray the filters with a • Vacuum your refrigerator coils (underneath and in the back) and light coating of lemon furniture polish or vegetable oil cooking don’t obstruct the coils. They need air space to work. spray to help trap dirt in the filter. • Keep the seals (gaskets) on refrigerators and freezers clean. • Check the seals on your refrigerator and freezer. • Keep your freezer as full as possible. You can place containers or • Replace normal thermostats with programmable thermostats. plastic bottles filled with water in the empty spaces. • Make sure food is cool and covered before it goes into the refrigerator.

Portland Information Guide [ 53 HOMEBUYER’S GLOSSARY

As you start shopping for a new home, you may encounter some Contingency Condition that must be met before a contract is unfamiliar words and terms. The following glossary will help get you binding. through the maze of buying a home. Convertibility Ability to change a loan from an adjustable rate Adjustable-Rate Mortgage (ARM) Loan with an interest rate schedule to a fixed-rate schedule. adjusted according to movements in the financial market. Many Covenant Agreement between seller and buyer on a piece of offer lower-than-market initial interest rates that rise only gradually property, restricting the use of that property. (Also called deed for the first few years. restriction.) Annual Percentage Rate (APR) Annual cost of credit over the life of Deed Legal document representing property ownership. a loan including interest, service charges, points, loan fees, Default When a borrower fails to make the required payments of mortgage insurance and other items. a mortgage contract. Appraisal Unbiased, professional opinion of a property’s value Density The number of homes built on a particular acre of land. based on its style and appearance, construction quality, usefulness Allowable densities are determined by local jurisdictions. and the value of comparable properties. Debt-To-Income Ratio Long-Term debt expenses as a percentage Assessment Tax levied on a property or a value placed on the of monthly income; used by lenders to qualify borrowers for worth of a property by a taxing authority. mortgage loans. Assumption Transaction allowing a buyer to assume responsibility Due-on-Sale Clause in a mortgage contract requiring the borrower for an existing loan instead of getting a new loan. to pay the entire outstanding balance upon sale or transfer of the Broker (Real Estate) Person who receives a commission or fee for property. bringing buyer and seller together and assisting in the negotiation of Earnest Money Sum paid to the seller to show that a potential contracts between them. A license is required in most states. purchaser is serious about buying. Building Code Local regulations controlling design, construction Easement Right-of-Way granted to a person or company and materials used in construction. Building Codes are based on authorizing access to the owner’s land. For example, a utility safety and health standards. company may be granted easement to install pipes or wires. An Buydown Subsidy, usually paid by a builder or developer, to owner may voluntarily grant an easement or can be ordered to grant reduce the monthly payments on a mortgage loan. one by a local jurisdiction. Buyer’s Agent A real estate agent who represents only the buyer Equity Difference between the value of a home and what is owed in a real estate transaction. on it. Callback Request by a homeowner for a builder to handle a Escrow Handling of funds or documents by a third party on behalf service request. of the buyer and/or seller. Cap Limit to the amount an interest rate or monthly payment can Escrow Amount Amount set up by a lender into which periodic, increase for an adjustable-rate loan either during an adjustment usually monthly, payments for taxes, hazard insurance, period or over the life of the loan. assessments and mortgage insurance premiums are made. Funds Certificate of Occupancy Document from an official agency stating are held in trust by the lender who pays the sums as they become the property meets the requirements of local codes, ordinances and due. regulations. Fair Market Value Price at which property is transferred between Chain of Title History of all documents transferring title to a parcel willing buyer and willing seller, each of whom has reasonable of real property, starting with the earliest existing document and knowledge of all pertinent facts and neither being under compulsion ending with the most recent. to buy or sell. Change Order Homebuyer’s written authorization to add, delete or Federal Housing Administration (FHA) Federal agency that insures change an item specified in a contract. mortgages with lower down payment requirements than Closing Meeting to sign documents that transfer from a seller to a conventional loans. buyer. (Also referred to as settlement.) Fixed-Rate Mortgage Mortgage with an interest rate that remains Closing Costs Charges paid at settlement for obtaining a mortgage constant over the life of the loan. loan and transferring a real estate title. Hazard Insurance Protection against damage caused by fire, wind Commission Agent’s fee for negotiating a real estate or loan storms or other common hazards. Many lenders require borrowers transaction, often expressed as the percentage of the sales price or to carry it in an amount at least to the mortgage. mortgage amount. HVAC Common building industry abbreviation for heating, Conditions, Covenants and Restrictions (CC and Rs) Standards that ventilation and air conditioning systems. define how a property may be used and the protections the Index Interest rate or adjustment standard that determines the developer makes for the benefit of all owners in a subdivision. changes in monthly payments for an adjustable-rate loan.

54 ] Portland Information Guide HOMEBUYER’S GLOSSARY

Infrastructure Public facilities and services needed to support PITI Principal, interest, taxes and insurance: the four major residential development, including highways, bridges, schools and components of monthly housing payments. sewer and water systems. Point One-Time charge assessed by the lender at closing to Inspection Examination of work completed on a structure to increase the interest yield on a mortgage loan. determine compliance with building code and other code Presettlement Walk-Through Final inspection of house prior to requirements. closing, conducted by builder and buyer. Joint Tenancy Form of ownership in which the tenants own a Principal Amount borrowed, excluding interest and other charges. property equally. If one dies, the other automatically inherits the Property Survey Survey to determine the boundaries of a piece of entire property. property. Cost depends on the complexity of the survey. Loan Origination Fee Lender will charge a fee for the cost of Recording Fee Charge for recording the transfer of a property, paid processing the loan, usually calculated as a percentage of the loan to a city, county or other appropriate branch of government. amount. Specifications Contractual document describing in detail the work Loan-To-Value-Ratio Relationship between the amount of a home to be performed; method of construction; standards of loan and the total value of a property. workmanship; quality, type and manufacturer of materials and Lock-In Rate Commitment from a lender to make a loan at a pre- equipment for a particular project. set interest rate at some future date, usually for not more than 90 Tenancy in Common Form of ownership in which the tenants own days. A fee may be charged to “lock-in” a rate. separate but equal parts. To inherit the property, a surviving tenant Mortgage Commitment Formal written communication by a lender would either have to be mentioned in the will or, in the absence of agreeing to make a mortgage loan on a specific property, specifying a will, be eligible through state inheritance laws. the loan amount, length of time and conditions. Title Evidence, usually in the form of a certificate or deed, of a Mortgage Origination Fee Charge for the work involved in preparing person’s legal right to ownership of a property. and servicing a mortgage application. Title Insurance Insurance against any title defects that may exist Permit Document issued by a local government agency allowing prior to the time the title is passed from one owner to the next, and construction work to be performed in conformance with local which may come to light in a future transaction. codes. Work may not commence until permits have been obtained, Veterans Administration (VA) Federal agency that insures and each permit issuing agency must inspect the work at certain mortgage loans with very liberal down payment requirements for specified points during construction. honorably discharged veterans and their surviving spouses.

Portland Information Guide [ 55 WHO’S WHO IN BUILDING

Architect Landscape Architect Building design professional who has completed all required Specialist in landscape and garden planning; primary concerns university training in architecture and passed state licensing exams; include site selection, grading, access, drainage and protection of initials A.I.A. and F.A.I.A. indicate membership in a professional existing plant material. License required for practice. organization, but not licensed status. Lender Builder or General Contractor The financial institution that provides construction loan financing The buck stops with him or her in construction projects. The during construction and permanent financing for the home buyer general contractor secures bids for all work and materials; hires, after the home is built and there is a property settlement, referred to coordinates and oversees subcontractors; files for permits and in our area as closing. Most lenders make what is referred to as arranges for inspections; and generally makes the final decisions in “end loans” which is the loan made to the buyer of a new home, and all construction-related matters. others make both the “end loan” and “construction loan financing” Building Inspector which provides funds to pay for costs incurred during construction. One or more local officials who oversee and regulate every phase Owner Builder of residential construction. Regulations vary widely. In most states An individual or family who finances and manages a home area home construction meets standards contained in the Uniform building project (usually with the assistance of a builder or general Building Code. In addition, applicable provisions of the Uniform Fire contractor who is hired to manage all or a particular phase of the & Plumbing/Mechanical & Electrical codes are enforced. Typically, construction of the home) with the intention of retaining ownership permits are issued and inspections are made at key stages of and residing in the home after completion. construction by County and City building code enforcement Subcontractor departments. A specialist who undertakes responsibility for one phase or trade Building Designer within the project and reports to the general contractor. In a typical Generally unlicensed professionals (license not required for home building project, subcontractors generally include: an practice) who, by experience, are competent to design homes, excavation contractor who digs foundations and grades the site; a prepare drawings and write specifications; they often work in masonry contractor who handles all concrete, block, brickwork and association with licensed architects. paving; a framing contractor who constructs the shell and interior Construction Manager/Foreman partitions; a roofing contractor; a heating, ventilation and air- The general contractor’s right-hand man. A construction conditioning (HVAC) contractor; a plumbing contractor; an electrical manager can be on site when the general contractor is not. contractor; drywall installers; insulation contractors; finish carpenters who generally handle wood flooring, trim work, and Design/Build Firms cabinet installation; and a painting contractor. An organization that provides both architectural planning and general contracting services, and offers a different approach to the Surveyor conventional arrangement in which the designer and builder are A professional with the training and equipment to establish or separate entities. verify property lines. The surveyor also plots and marks the Interior Designer topography of the site, which is crucial in preparing the site plan. He Specialist in decoration and furnishing; special training and or she may also be employed to stake out the building site, setting licensing not required. Initials A.S.I.D. following individual’s name reference marks for foundation excavation, establishing grades for indicate membership in a professional association, for which roads or driveways and marking the locations for a septic system training and passing tests are required. and water well, if necessary. Kitchen /Bath Designer Title Insurance Company Specialist in designing these rooms; initials C.K.D. and C.B.D. The entity that conducts a comprehensive search of the public indicate certification by a professional association, for which training records to make sure that the title received by a buyer of a new and passing tests are required. License is not required for practice. home is “free and clear of any liens and encumbrances.” This assures the issuance of a clear or “merchant able” title in favor of the buyer of a new home at the closing of the sale of the property.

56 ] Portland Information Guide SELECTING A BUILDER

Are you shopping for a new home? Start by shopping for a Service After the Sale and Home Warranty professional builder first. Whether you are buying a townhouse, a While you are shopping, ask about the builder’s service after the detached home in a subdivision, or a custom-built house, the sale. Most builders offer some form of warranty. Many builders back construction quality of your new home will be determined by the their own warranties on workmanship and materials, typically for quality of your builder. one year. Other builders offer warranties backed by an insurance Start your builder-search process by calling your local home program. One of the most important criteria for selecting a builder builders association. They can give you the names of reputable is the warranty protection provided on the home. Ask for a copy of builders in your area. Ask friends and relatives about builders they the builder’s warranty. Read the document thoroughly and be sure have dealt with directly, or ask them for the names of acquaintances you understand what protection is provided. If you have any who have recently built a new home. questions about the coverage, talk to the builder prior to finalizing your purchase. The Interview Process Once you have developed a list of builders who are building the Be Thorough type and price range of home you are interested in, research their When selecting a builder, be thorough and ask a lot of questions. reputations and the quality of their work. The best way is to visit Get as many specifics as possible. If you receive the answers homes that they have built and talk to the owners. Ask the builders verbally, take notes. Never hesitate to ask a question because you on your list for the addresses of their recently completed houses, are afraid of sounding “stupid” or uninformed. What seems like a subdivisions, or townhouse communities. At the very least, drive by “stupid” question may yield a very important answer. and see if the homes are visually appealing. Buying a new home is probably the biggest and most important Look at homes that are the same style as you plan to buy. A good purchase you will make in your lifetime. By doing your new “home” time to visit is on a weekend morning when people are outside work to select a builder, you will instill in yourself and your family a doing chores. Introduce yourself and explain that you are sense of confidence and knowledge that you have made the right considering buying a home from the same builder who built their choice. home. If you have additional questions about selecting a builder, contact Ask about their satisfaction with the home and whether the your area’s Builders Association. Ask for a builder list that identifies builder delivered what was promised in a timely manner. Ask if they the price categories and subdivisions in which they build. Be sure to would buy another home from this builder. People will generally tell tour the Parade of Homes in the Fall and Spring. It is an excellent you if they are happy with their purchase. way to get familiar with the housing market in this area as well as individual builder’s products. Quality and Value When examining a home, look at the quality of the construction features: the cabinetry, carpeting, trim work, and paint. In viewing a home, you must determine whether it lends itself to the type of lifestyle you want to lead. Look at the amount of interior living space and how efficiently the space is used. Find out if the builder is incorporating state-of-the-art energy efficiency features, both in appliances and insulation.

Portland Information Guide [ 57 SELECTING A CONTRACTOR

Every year hundreds of families are taken advantage of by 8. Make sure all required permits are secured and inspections are disreputable individuals or companies who represent themselves to made.The contractor should be expected to secure all necessary be reliable, reputable contractors. If you are planning to hire permits. Beware of contractors who want you to secure the someone to repair or make improvements to your property there are permit as the property owner. It is permissible to do so, but it is safeguards you can take to assure the best selection of a contractor very unusual that a reputable contractor will ask you to do this. for you. 9. Make sure you have a written contract with the contractor that Consider the Following details: 1. Hire only licensed contractors. Contractors are required to be a. A full description of all work to be done. licensed to do certain types of work. When selecting a contractor b. A firm date of completion you should make sure the contractor holds a current, valid c. Total cost of the job. license either issued by your city. d. Contractors license number. 2. All contractors do not possess the same expertise.Ask for e. All warranty information. references and check those references to assure yourself that f. Quality of materials to be used. the contractor is qualified to do the type of work you are wanting g. How and on what basis payments are to be made. done. h. How changes and payment for changes will be handled. 3. Check business references. Ask the contractor for a list of 10. Make sure complete architectural drawings are done and business references that you can call and verify that the agreed upon if you are having a room addition added, or relationships with suppliers and subcontractors are good ones extensive remodeling done. Be certain that detailed material and that the contractor pays his bills. specifications are also provided and made a part of the contract 4. Call the Better Business Bureau to find out if there are any you sign. complaints or charges pending against the contractor. 11. Monitor the work being done in accordance with the 5. Call local trade associations for information about selecting a contractual agreement with the contractor. If you have contractor. questions about what is being done or problems with the 6. Ask for proof from the contractor that he has general liability contractor, either ask questions or confront the problem head insurance and workers compensation insurance in order to on when it occurs in order to minimize any conflict and reach a protect you, as the property owner, against any claim in the event satisfactory resolve as quickly as possible. the contractor, his employees, or someone else is injured as a 12. Final payment should not be made until you are satisfied that result of work being done on your property. the job has been completed in accordance with the terms of the 7. Make sure the contractor you are contracting with will be contractual agreement between you and the contractor. personally involved in coordinating the work to be done on your property.

58 ] Portland Information Guide BANKING/MORTGAGE INFORMATION

This page offers a guide to choosing the right bank for your What Will You Do? needs, and offers some ideas for starting your checklist. The fist question to ask yourself is what you want to do with your With banks offering an increasing number of financial services at bank account. Do you want to put money in there periodically and widely varying fees, choosing one to handle your particular financial watch it grow? Will you move money in and out quickly? You need needs can seem like a difficult and confusing task. Although there to know what your banking behavior will be like in order to find the is much to consider, it is best to select a bank the same way you right bank. would choose any product or service—first evaluate your needs Next, get an idea of how you prefer to do your banking. If your and then compare costs. You should also consider what is most schedule doesn’t work with most bank schedules, the best bank important to you in a banking relationship. Do you want to develop might just be the one that’s open at convenient times. a personal, long-term customer relationship with a bank? Do you Free checking accounts get a lot of hype. They get people in the travel frequently and need access to branch offices while you are door. However, free may not always be the best thing for you. If you out of town? If you prefer to do your banking by telephone or online, value certain services or conveniences, you may be willing to pay for you'll want to explore the types of electronic services each bank has them. Once you get ahold of fee schedules from competing banks, to offer. Once you have identified your needs, evaluating and consider if it’s really going to bother you to pay a few bucks each comparing the services and fees is a much simpler task. month for that “gotta have it” feature or service. Maybe it is, maybe But you have to do your research, because not all banks offer it isn’t. free checking, and if they do, they won’t always tell you about that At first glance, fees might make you favor debit cards in the debit option unless you ask. vs credit competition. The worst fee you'll find in a typical debit card So go online or make a few phone calls. Find out if the bank has is a POS fee — charged when you use your debit card at a retailer a lot of ATM locations. It doesn’t do you any good to have free using PIN number. While the tide is shifting away from banks checking if you have to spend $2 a pop to use another bank’s ATM charging these fees, they're still around. More importantly, there are because you bank only has one branch and it is all the way across more factors than fees to the debit vs credit debate. town. Hidden fees are becoming increasingly popular in the banking You may be eligible because of where you live or what type of job industry. If you're not careful, you might end up wasting significant you have to join a credit union. Many people like credit unions amounts of money each year on things that can be easily avoided. because they offer a lot of free services (like maybe free Money One place that's full of hidden fees is the ATM. While it is an easy Orders). But keep in mind that credit unions are often few and far way of obtaining your money quickly and efficiently, ATMs are between, so you may end up with the ATM surcharge problem. notorious for their service charges. You can end up being charged every time you use the ATM, if you're not careful. Some banks will charge extra fees if you do not meet certain requirements or do your banking with them. Banks can even charge you to check your balance at the ATM. It depends on the bank. You need to understand the terms of your bank and find the best plan for you. You can check balances, transfer funds and pay bills, all from the comfort and convenience of your home or office computer. Internet banking may also have a price. Depending on the bank, you may have to pay a service charge for this service. It also may not be available at all banks.

Portland Information Guide [ 59 BANKING/MORTGAGE INFORMATION

You may have a difficult time deciding which type of home feature was designed to provide housing and assistance for mortgage is the best for your needs. The world of home finance veterans and their families, and of home ownership offers so many variables and options that it’s often hard to keep became a reality for millions of veterans. VA will guarantee a them straight. The following may help you better understand the maximum of 25 percent of a home loan amount up to $104,250, differences and find a home loan that’s right for you. which limits the maximum loan amount to $417,000. Generally, the Fixed-Rate Mortgages are very popular because the interest rate reasonable value of the property or the purchase price, whichever and monthly payments are constant. Fixed loans are generally is less, plus the funding fee may be borrowed. All veterans must amortized over ten, fifteen, twenty or thirty years. Property taxes qualify, for they are not automatically eligible for the program. and homeowners insurance may increase, but generally your Interest-Only Mortgage is really an interest-only option that works monthly payments will be very stable. During the early amortization with various mortgage types. This option has regular payments, period, a large percentage of the monthly payment is used for typically monthly, for a fixed period of time; however, payments paying the interest. As the loan is paid down, more of the monthly consist of one hundred percent interest. No principal is paid during payment is applied to principal. A typical 30 year fixed rate the interest-only period. When that period ends, the borrower is mortgage takes 22.5 years of level payments to pay half of the obligated to make payments of principal and interest. Because the original loan amount. You may also opt for “biweekly” mortgages, time remaining in the loan term to repay the principal is shorter than which shorten the loan by making a payment every two weeks. it would have been, payments will adjust upward, sometimes (Since there are 52 weeks in a year, you make 26 payments, or 13 substantially. The appeal of interest-only payments is savings. When “months” worth, every year.) principal is not being paid, monthly payments are dramatically Adjustable Rate Mortgage (ARM) is a loan which allows for the lower. On the risk side is potential for loss. If the need to sell arises adjustment of its interest rate according to the terms of the note and and the property value has stayed flat or declined, a borrower might as market interest rates change. With this type of mortgage loan be in a position where the mortgage loan balance is higher than the program the interest rate and payments may be adjusted as market value of the property. frequently as every month. The purpose of the program is to allow Balloon Mortgage Loan generally has a short term, commonly mortgage interest rates to fluctuate with market conditions. The anywhere from 3-7 years. During that term, borrowers make regular initial interest rate for an ARM is usually lower than that of a fixed equal payments of principal – the amount of money borrowed – plus rate mortgage, where the interest rate remains the same during the interest. At the end of the loan term, a “balloon” payment is due for life of the loan. A lower rate means lower payments, which might the entire loan balance. Options for handling the balloon payment help you qualify for a larger loan. Also if you do not plan to keep your include paying off the balance when due or refinancing before the home for more than a few years, the possibility of rate increases payment comes due. Balloon mortgages are usually offered at isn’t as much of a factor. But no one has a crystal ball to predict the lower interest rates than other fixed-rate loans. In addition, fluctuation of interest rates, so it is somewhat of a gamble. payments are calculated using a period longer than the term of the FHA Mortgage Loan is insured by the Federal Housing loan. As a result, balloon loans offer affordability for short-term Administration. FHA is part of the U.S. Department of Housing and circumstances. Borrowers do need to plan ahead so they are not Urban Development (HUD), one of its chief purposes is to help caught unprepared when the balloon payment is due. people obtain financing to buy their homes. The FHA doesn’t make Choosing a type of mortgage is not the only decision you must the loans, but insures loans made by banks, savings and loans, face. Several other criteria are listed below. mortgage companies, credit unions and other approved institutions. Hybrid Mortgage combines features of both fixed-rate and FHA does not originate loans. FHA insures the mortgage and pays adjustable-rate mortgages. A hybrid mortgage loan may start with the lender if the homebuyer defaults on the loan, or fails to repay the a rate that is fixed for a period of time. When that fixed-rate period loan. Almost anyone who has a satisfactory credit record, enough expires, the loan then converts to an ARM. The initial rate for a cash to close the loan, and sufficient steady income to make hybrid mortgage loan is typically lower than prevailing fixed rates. monthly mortgage payments can be approved for an FHA-insured The lower rate enables more buying power up front. On the risk side mortgage. There is no upper age limit and no certain income level is the uncertainty of how high interest rates will be when the fixed- required, although individual mortgage amounts are limited by law. rate period expires. VA Mortgage Loan is similar to the FHA mortgage. The U.S. Lending Institution are used When you’re looking for a home loan, Department of Veterans Affairs guarantees loans made by you might work with an officer at a bank or other lending institution, institutional lenders to eligible veterans. The guarantee helps protect or you might choose to work with a mortgage broker. The loan the lender in the event of the borrower’s default. The VA Loan was officers at a bank, credit union or other lending institution are initiated in 1944 through the Servicemen’s Readjustment Act, more employees who work to sell and process mortgages originated by commonly known as the GI Bill of Rights. The GI Bill was signed into their employer. They often have a wide variety of loans types to law by President Franklin D. Roosevelt and provided veterans with draw from, but all originate from that specific lender. a federally guaranteed home loan with no down payment. This

60 ] Portland Information Guide BANKING/MORTGAGE INFORMATION

Mortgage Brokers are professionals who are paid a fee to bring Appreciation is the increase in the property’s value, either by together lenders and borrowers. The mortgage broker working to improvement in the market or improvements made by the owner. secure your loan is earning a fee for that transaction—and the Balloon Mortgage is a loan that acts like a fixed rate but is due in better deal they achieve for a lender, the more they are paid. Don’t three, five or ten years. At that point you must pay the outstanding be too anxious to disclose the interest rate you would be willing to balance in one lump sum. accept, let them tell you what terms they can secure. Shop around Buydown is the process of buying a lower interest rate by paying to make sure the terms are reasonable. more points at closing. There should be little difference between obtaining a loan from a Conventional Mortgage is a loan that is under $ 240,000 and broker or a local lending institution. Maybe none, but you should be meets Fannie Mae and Freddie Mac standards, the largest aware of the differences between the two positions. A mortgage purchasers of home mortgages on the secondary market. broker may find you a lender in another part of the country. The loan Convertible Mortgage is an ARM with the option to convert to a office will likely be able to offer more personal service while your loan fixed rate mortgage as specified in the contract. is being processed and once you are an established customer. FHA Loans are issued by FHA approved lenders. The FHA insures Discount Points are fees paid to a lender at closing in order to its loans so that borrowers can get them with only 3 to 5% down lower your mortgage interest rate. While buying points is sometimes payment. The FHA has certain criteria to qualify for these loans. a good decision, many times the purchase costs you more than it Fixed-rate Mortgages are self amortizing loans with a constant rate saves. The cost of each point is equal to one percent of the loan of interest. These loans are commonly for 10, 15. 20 or 30 year amount. For instance, for a $100,000 loan one discount point periods. equals $1,000. Each discount point paid on a 30-year loan typically lowers the interest rate by 0.125 percent. That means a 5.5 percent Interest Rate is what the lender charges for the use of their rate would be lowered to 5.375 percent if you purchase one point. money. Expressed as an annual percentage of the amount Paying for points lowers your interest rate, because the lender borrowed before financing expenses. receives the income in a lump sum at closing rather than collecting Initial Interest Rate is what lenders charge on an ARM until the the interest as you make payments on your loan. Whether or not first adjustment is made. This rate is usually much lower than fixed paying points makes sense for you depends in part on how long rate mortgages. you plan to keep the loan. Jumbo Mortgages are loans greater than $ 227,150 with an interest rate that is a quarter percentage higher than conventional Helpful Mortgage Terms loans. Adjustable Rate Mortgage is a loan with a rate that adjusts to Lifetime Cap is the same as an annual cap except there is limit on market conditions. The rate of adjustment will be stated in the how high the interest rate can increase over the entire life of the contract. mortgage. Adjustment Index is a guide lenders use to change ARM interest Loan Commitment is a promise by the lender to provide the rates during the life of a mortgage. The specific index to which your agreed amount of money stated on the mortgage to close on a ARM is tied to will be listed in the mortgage contract. home. The commitment also states the interest rate, term of loan, Annual Cap is a limit on how high the interest rate on an ARM can and usually expires within 60 days. rise in a single year. Annual caps are specified in the better ARM Loan Servicing is the institution that handles the administrative programs. processing of your loan such as billing and collecting payments. Annual Percentage Rate Equals the true cost of a loan including Loan-to-Value Ratio is the proportional relationship of the financing charges and fees. mortgage loan to the value of a home, expressed as a percentage. Amortization is the process that reduces the amount owned in a loan. It can be made in a lump sum or periodic installments. Appraisal Value is estimating the property’s worth which is based on comparable properties. Appraisals that are completed by certified professionals, and are used by lenders to verify the home’s value and justify the mortgage commitment.

Portland Information Guide [ 61 BANKING/MORTGAGE INFORMATION

Mortgage Calculator You can obtain your property taxes from the local township office How much do you qualify for based on typical lender and you can contact your insurance agent for homeowner rates. requirements? Generally, the lender will require that your monthly Now, while shopping for your mortgage, you probably have payments not exceed 28% of your gross monthly income. Lets take discovered the current interest rate. Use the chart below; find the a look at how a lender would typically determine your ability to meet column, which applies to that rate. Follow the number down until monthly house payments. you find the number that is closest to your principal and interest First, determine your gross monthly income from all sources. payment. To the left of that you will find the loan amount for which Then multiply that amount by 28% to determine an approximate you probably qualify. If you intend to apply for a 90% loan, divide the allowable monthly payment. This payment includes principal, loan amount by .90 to calculate the price of the house that would interest, taxes and insurance. From this amount subtract taxes and require this monthly payment. insurance to arrive at your allowable principal and interest payment.

The example below illustrates this procedure: Gross Monthly Income $2,500 X 28% = $700 Less: Monthly Taxes & Insurance (100) = $600 12% Interest Rate for 30 years for $600= $60,000 $60,000/.90 (Loan to Value) =$66,667 = Estimated Maximum Home Price For Qualification

$ 5% 5.5% 6% 6.5% 7% 7.5% 8% 8.5% 9%

100,000 500 550 600 650 700 750 800 850 900

150,000 750 825 900 975 1050 1125 1200 1275 1350 200,000 1000 1100 1200 1300 1400 1500 1600 1700 1800

250,000 1250 1375 1500 1625 1750 1875 2000 2125 2250 300,000 1500 1650 1800 1950 2100 2250 2400 2550 2700 350,000 1750 1925 2100 2275 2450 2625 2800 2975 3150

400,000 2000 2200 2400 2600 2800 3000 3200 3400 3600 450,000 2250 2475 2700 2925 3150 3375 3600 3825 4050 500,000 2500 2750 3000 3250 3500 3750 4000 4250 4500

550,000 2750 3025 3300 3575 3850 4125 4400 4675 4950 600,000 3000 3300 3600 3900 4200 4500 4800 5100 5400 650,000 3250 3575 3900 4225 4550 4875 5200 5525 5850

700,000 3500 3850 4200 4550 4900 5250 5600 5950 6300 750,000 3750 4125 4500 4875 5250 5625 6000 6375 6750

800,000 4000 4400 4800 5200 5600 6000 6400 6800 7200 850,000 4250 4675 5100 5525 5950 6375 6800 7225 7650 900,000 4500 4950 5400 5850 6300 6750 7200 7650 8100

950,000 4750 5225 5700 6175 6650 7125 7600 8075 8550 1,000,000 5000 5500 6000 6500 7000 7500 8000 8500 9000

62 ] Portland Information Guide AIRLINES BANKS/FINANCE

Airlines high above the Tualatin Valley and offers as unique as you, we’ll let you paint. panoramic views of the city lights and American Airlines Tanasbourne Terrace valley below. A free membership to the 19000 NW Evergreen Parkway Reservations call (800) 433-7300 Private Mountain Park Recreational Center Flights at your fingertips. For passenger Hillsboro, OR 97124 features tennis courts, 2 gyms, sauna, (503) 645-8311 reservations and information call us or your billiards, deli, daycare, massage therapist, travel agent. Amenities, amenities, amenities — optional fitness classes, monthly theater room, fitness center, playground, Continental Airlines community activities and indoor basketball volleyball and basketball courts! Lots of Reservations call (800) 523-3273 court. Whether you are strolling along one trees and spacious apartment homes. Want to be treated with respect, fly the of the many pathways or relaxing in front of Vaulted ceilings and fireplaces available. safe and courteous sky’s with Continental a crackling fire, The Gables, in Lake Airlines. Oswego, Oregon will surround you with Woodcreek comfort. 3280 SW 170th Avenue United Airlines Beaverton, OR 97006 Reservations call (800) 241-6522 Portland Center (503) 642-4055 Serving more of the nations top 100 200 SW Harrison Situated on 25 acres of beautifully business centers than any other airline. Portland, OR 97201 landscaped grounds, Woodcreek Small package dispatch, same-day airport (503) 224-3050 Apartments offers something unique to the to airport. Beautiful downtown living! Shopping, modern apartment renter. We offer a dining and entertainment are all within Apartments peaceful, relaxed setting with babbling walking distance. Nestled in a park-like creeks, winding paths and mature trees Center Pointe setting. You’ll have to agree that our value towering overhead. Woodcreek 15290 SW Millikan Way is tough to beat. SUPERIOR CUSTOMER Apartments enjoys the best features of the Beaverton, OR 97006 SERVICE is a way of life, So STOP Pacific Northwest, and all the comforts and (503) 677-2700 LOOKING and START LIVING! qualities you expect from an Equity CenterPointe features sleek, LaSalle Residential Community. contemporary architecture and built-in 15021 SW Millikan Way alarm systems. Located adjacent to Beaverton, OR 97006 Banks/Finance running/bike trails and near the Beaverton (503) 605-5000 American Online Bank Creek MAX rail station, HWY 26 and major LaSalle is a beautiful community 315 SW Fifth Avenue employers including NIKE, Tektronix, and comprised of garden flats, spacious Portland, OR 97204 Intel. Our community offers a lap pool, hot European flats, and wonderful townhomes. (503) 221-5801 spa, health club and business We are located on the Max line and just American Online Bank is a division of center/conference room. minutes from shopping. LaSalle offers an American Pacific Bank, which was Club at the Green escape from life’s adventures. Retreat to a organized and continues to operate under 4800 SW Mueller Drive comfortable garden villa offering both the laws of the State of Oregon. The Bank Beaverton, OR 97007 privacy and luxury. We support the Oregon is regulated, and its deposits are insured, (503) 526-8524 Humane Society. by the FDIC. American Pacific Bank has Clean and quiet — nestled behind the Meadow Creek traded on the NASDAQ (Symbol: AMPB) wetlands of Farmington Road in busy, mid- 12505 Southwest North Dakota since 1989. American Online Bank is town Beaverton. Portland, OR 97223 designed to provide access to a full line of Club at Tanasbourne (503) 590-0990 innovative online banking services and 2323 NW 188th Avenue Enjoy the calm and peaceful serenity at products while retaining the personalized Hillsboro, OR 97124 Meadow Creek apartment homes! Spread service of a traditional bank. Banking with (503) 690-8100 over 25 acres of beautiful, grassy land, us has always meant convenience and Celebrate the GOOD LIFE! The Club at each patio overlooks a gorgeous choice together with personal and efficient Tanasbourne offers the perfect location. courtyard. Make Meadow Creek your service. Major employers such as Intel, Nike and home and start relaxing! Now, with our online banking and financial services, managing your finances Sequent are conveniently close. Shopping, Palladia dining and entertainment are all within 2615 NW 194th Terrace is faster, easier and more convenient than walking distance. Nestled in a park-like Hillsboro, OR 97124 ever before. setting. You’ll have to agree that our value (503) 466-5000 American Online Bank is tough to beat. SUPERIOR CUSTOMER Palladia is unique in several ways. We 23500 NE Sandy Blvd. SERVICE is a way of life, So STOP support the community, by inviting the Wood Village, OR 97060 LOOKING and START LIVING! Oregon Humane Society here on a regular (503) 492-4113 basis, and when they’re here, you may American Online Bank is a division of The Gables adopt animals they bring and have the American Pacific Bank, which was Two Jefferson Parkway Non-Refundable Pet Fee waived. We also organized and continues to operate under Lake Oswego, OR 97035 make your life easier by being a one stop the laws of the State of Oregon. The Bank (866) 314-8330 shop. We can make your move easy as is regulated, and its deposits are insured, www.pinnaclerealty.com signing your name. Call today and reserve by the FDIC. American Pacific Bank has The Gables at Mountain Park is placed your new home. To make your new home traded on the NASDAQ (Symbol: AMPB)

Portland Information Guide [ 63 BANKS/FINANCE EDUCATION since 1989. American Online Bank is 118 NE Third Street bank that was responsive on a truly local designed to provide access to a full line of McMinnville, OR 97128 level to our many emerging and innovative online banking services and (503) 472-6171 established small businesses. products while retaining the personalized Since 1922, First Federal has been service of a traditional bank. Banking with offering outstanding services and service to Education PreK us has always meant convenience and Yamhill County families. In this era of Irvington Montessori choice together with personal and efficient impersonal big bank mergers, acquisitions, 2022 NE 12th Avenue service. and down-sizing, we’re still locally owned Portland, OR 97212 Now, with our online banking and and locally operated. We think that makes (503) 997-7965 financial services, managing your finances a difference you’ll notice every time you do Welcome to Irvington Montessori. We is faster, easier and more convenient than business with us. are excited to be working closely with our ever before. First Federal program’s families to create a safe haven for children in our Oregon-state licensed, American Online Bank 350 NE Baker Creek Road 112 Main Street McMinnville, OR 97128 home-based school. We recognize that Aumsville, OR 97325 (503) 474-0731 young children need a peaceful retreat in (503) 749-1200 Since 1922, First Federal has been order to spark their essence within, and we American Online Bank is a division of offering outstanding services and service to are creating such a place at Irvington American Pacific Bank, which was Yamhill County families. In this era of Montessori. Our children’s house provides organized and continues to operate under impersonal big bank mergers, acquisitions, a carefully prepared environment where, the laws of the State of Oregon. The Bank and down-sizing, we’re still locally owned through the use of the hand, a child is regulated, and its deposits are insured, and locally operated. We think that makes becomes whole. by the FDIC. American Pacific Bank has a difference you’ll notice every time you do Education PreK-12 traded on the NASDAQ (Symbol: AMPB) business with us. Catlin Gabel School since 1989. American Online Bank is First Federal 8825 SW Barnes Road designed to provide access to a full line of 121 N Edwards Street Portland, OR 97225 innovative online banking services and Newberg, OR 97132 (503) 297-1894 products while retaining the personalized (503) 538-9449 Catlin Gabel School is an independent, service of a traditional bank. Banking with Since 1922, First Federal has been coeducational day school in Portland, us has always meant convenience and offering outstanding services and service to Oregon, serving students from preschool choice together with personal and efficient Yamhill County families. In this era of through 12th grade. Our faculty, staff, and service. impersonal big bank mergers, acquisitions, trustees are dedicated to individuality, Now, with our online banking and and down-sizing, we’re still locally owned academic excellence, multiculturalism, and financial services, managing your finances and locally operated. We think that makes lifelong learning. is faster, easier and more convenient than a difference you’ll notice every time you do ever before. business with us. Oregon Episcopal School 6300 SW Nicol Road First Federal First Federal Portland, OR 97223 110 Maddox Street 246 S. Bridge Street (503) 246-7771 Amity, OR 97101 Sheridan, OR 97378 OES is a PreK-12 independent school (503) 835-1033 (503) 843-3811 offering an enriched academic experience Since 1922, First Federal has been Since 1922, First Federal has been for college-bound students in a day and offering outstanding services and service to offering outstanding services and service to boarding program. The purpose of Oregon Yamhill County families. In this era of Yamhill County families. In this era of Episcopal School is to prepare students impersonal big bank mergers, acquisitions, impersonal big bank mergers, acquisitions, with promise for higher education and and down-sizing, we’re still locally owned and down-sizing, we’re still locally owned lifelong learning and to enhance their and locally operated. We think that makes and locally operated. We think that makes intellectual, physical, social, emotional, a difference you’ll notice every time you do a difference you’ll notice every time you do spiritual, and artistic growth so that they business with us. business with us. may realize their power for good as First Federal Pinnacle Bank of Oregon citizens of local and world communities. 335 W Madison Street 8880 S.W. Nimbus Ave. Suite D Portland Lutheran School Carlton, OR 97111 Beaverton, OR 97008 740 SE 182nd (503) 852-7051 (503) 644-3000 Portland, OR 97233 Since 1922, First Federal has been Pinnacle Bank was founded in 2002 to (503) 667-3199 offering outstanding services and service to be a high-quality local financial institution Portland Lutheran School is a Christian Yamhill County families. In this era of serving the incredible growth occurring in school with a distinctive Lutheran flavor impersonal big bank mergers, acquisitions, the Portland Metropolitan area. Located as entertaining the enrollment of any child and down-sizing, we’re still locally owned we are in Beaverton, Oregon, we are at the regardless of religious affiliation. Portland and locally operated. We think that makes heart of an area rich with thriving industries Lutheran School has been an integral part a difference you’ll notice every time you do — including high-tech, medical services, of the ministry of Christ for almost 100 business with us. biotechnology, and dozens of other vital years. At Portland Lutheran School we market sectors. To truly serve this First Federal seek to educate the whole child by community better, we saw the need for a

64 ] Portland Information Guide EDUCATION NATIONWIDE TRAVEL challenging their spiritual, social, and to education through the integration of the a hard working team of professionals able intellectual needs. arts, academics and contemporary to provide assistance with any building technology. phase. Education K-8 The Academy offers motivated and Moving Supplies Our Lady of Sorrows School talented students programs which 5239 SE Woodstock Boulevard emphasize and value creative thinking, Dial-A-Box Portland, Oregon 97206 individual choice, academic rigor, and self- White Plains and The Bronx, NY (503) 771-3592 discipline, taught by master teachers and TOLL FREE: (866) 4-DIAL-A-BOX / Our Lady of Sorrows School has been professionals active in their fields. (866) 434-2522 educating elementary children since 1928. www.dial-a-box.com Home Builders/Developers Located in southeast Portland, Oregon, the Nationwide Travel school serves a diverse and talented Alan Day Construction, Inc. population of families. The emphasis is on Salem, OR Bellagio The Resort excellence in academics, service to the (503) 371-7573 3600 Las Vegas Blvd South community, and developing children of At Alan Day Construction we use the Las Vegas, NV 89109 conscience and compassion. The school finest materials and plan ahead for smooth (702) 693-7223 has recently completed a major building scheduling. Our subcontractors know we Experience a world unto itself at “the campaign and renovation to meet the are demanding, but we all work together to most romantic hotel in the world.” needs of its 200 students. The campus give you, the home buyer, a truly quality • AAA Five Diamond Award winning resort. has large classrooms, a new library, a gym product. In our homes we provide the • Nine world-renowned restaurants and stage, multi-purpose room for music, extra features that are seldom found in including Aqua, Prime, and AAA Five and a state of the art computer lab-all homes of this price bracket. Diamond Award-winner Picasso. designed to support and enhance the Breeden Homes • “O” by Cirque du Soleil, an extraordinary learning environment. Eugene, OR fusion of water, dance and aerobics. Education 6-12 (541) 686-9431 • Via Bellagio- a collection of the worlds Breeden Homes uses its 50 plus years most sophisticated boutiques from Florida Air Academy of experience to create elegant homes that Giorgio Armani, Chanel, Tiffany, and 1950 South Academy Drive are truly livable – and affordable. Breeden Hermes. Melbourne, FL 32901 Homes combines the best features of (321) 723-3211 • The Conservatory and Botanical Gardens today and yesterday. Craftsmanship and charms guests with its natural beauty. www.flair.com attention to detail. Energy efficient features • Dancing Fountains cavort on an eight At Florida Air Academy, Cadets at have the and livable floor plans. The best of both acre lake. opportunity to get a first-rate education the future and the past. geared to the learning styles of young men Fairmont Hotels Burghardt & Co. and make friends from around the world. Toll Free (800) 527-4727 Molalla, OR The school accepts young men in grades www.Fairmont.com (503) 829-3688 6 through 12. The Academy boasts a 16- Boston, Las Vegas, Dallas, New Imagenuity is the marriage of student average class size and college Orleans, New York, San Francisco & San imagination and ingenuity. These two prep curriculum taught by accredited staff, Jose America’s Grand Hotels since 1907. many with advanced degrees. Cadets at words best describe Burghart’s custom Florida Air Academy receive leadership designed home plans. Large living areas, Hilton Hotels training and an emphasis on community vaulted ceilings and plant shelves grace Worldwide Reservations service. Other programs include an the insides of our homes. Th Burghardt Toll Free (800) 845-8667 excellent sports program, extensive management team designs its homes with www.Hilton.com computer curriculum and optional flight your expectations in mind. Hilton Hotels, Resorts, Suites, Hilton Garden Inn, Conrad International Hotel. training and SCUBA certification. Costa-Pacific Homes Florida Air Academy is located on Beaverton, OR MGM Grand Florida’s Space Coast and is fully (503) 646-8888 3799 Las Vegas Blvd. South accredited. Contact our Admissions Costa-Pacific Homes has a strong Las Vegas, NV 89109 department for more information on Fall, reputation throughout the Northwest as a (702) 891-1111 Spring, and Summer enrollments. top-quality homebuilder. The Building Searching for non-stop action and For additional Information contact: Donna industry itself has recognized our pulse-pounding excitement? “The City of Stratford Director of Communication commitment to quality, awarding Costa- Entertainment” awaits your arrival. (321) 723-3211, Extension 30028 Pacific Homes for best home designs, • La Femme-the sensual French sensation innovative floor plans, and quality Education 9-12 direct from the original Crazy Horse in construction. Paris. Northwest Academy Shelburne Development • Tabu´- The ultra hip lounge designed to 1130 SW Main St. Tualatin, OR stimulate and arouse your senses. Portland, OR 97205 (503) 692-6383 • Live the nightclub lifestyle at studio 54sm. (503) 223-3367 Starting from the basic premise of good The Northwest Academy is an • Sixteen masterpiece restaurants including customer service, the Shelburne celebrated chef Tom Colicchio’s independent secondary school committed Development staff has carefully structured

Portland Information Guide [ 65 NATIONWIDE TRAVEL NEW HOME DEVELOPMENTS

Craftsteak and Michelle Mina’s NOBHILL. Treasure Island Cooper Mountain • The king of the jungle overlooks the Lion 3300 Las Vegas Blvd. South Washington County, OR Habitat. Las Vegas, NV 89109 (971) 246-2037 • The Grand Garden Arena and Hollywood (702) 792-5627 www.centex.com Theatre feature top name entertainment. Enjoy the adventure and romance of this Coming Soon! Live above it all at our engaging resort filled with new-world new neighborhood, Cooper Mountain, Mirage Hotel & Casino amenities. located in a prestigious section of 3400 Las Vegas Blvd South • AAA Four Diamond Award® winning Washington County. Be only 15 minutes Las Vegas, NV 89109 resort. away from the high-tech employment of (702) 791-7111 • World-famous pyrotechnic sea battle the Silicon Forest, yet enjoy a rural feel with Immerse yourself in this tropical South towering pines and greenery all around the Sea oasis filled with luxury and excitement! between the pirate ship, Hispaniola, and the British frigate, H.M.S. Britania in the area. Spacious new homes range from • Experience the elegance and middle of the Buccaneer Bay. 2,433 to 3,200 square feet, with some sophistication of our newly redesigned having loft, den or bonus rooms. There will • Mystere by Cirque du Soleil, a guest rooms. be only 33 lots built here, so don’t delay. mesmerizing mix of powerful acrobatics, • Dive into interconnected lagoon and circus skills and dance. Danbury Park thundering waterfalls at the new Mirage SW 220th Ave pool. • Eight exciting dining options including Kahunaville and Buccaneer Bay Hillsboro, OR • Ten international restaurants including Restaurant-fine dining overlooking the (971) 246-2037 AAA Five-Diamond award winner Renoir. explosive battle in Buccaneer Bay. www.centex.com • Exotic White Tigers, Lions and a family of Coming Soon! With only 3 homes • A beautifully appointed wedding chapel. Atlantic Bottlenose Dolphins in Seigfried planned, quiet, secluded Danbury Park in and Roy’s Secret Garden and Dolphin • A tropical pool area and lavish spa and Hillsboro will be one of the best-kept Habitat. salon. secrets of the season. Backing up to a • A fire-erupting volcano sparkling lagoons New Home Developments picturesque creek and wooded area, this and tumbling waterfalls. new mini-neighborhood is situated in an Bethany Lake • Dive into interconnected lagoon and area off of Baseline and Cornelius Pass Washington County, OR Roads that's proved exceptionally popular thundering waterfalls at the new Mirage (971) 246-2037 pool. over the years. These three homes have 3- www.centex.com 4 bedrooms, 2-car garages, 2.5 baths and New York-New York Coming Soon! Reach for a new plateau flexible extra space. 3790 Las Vegas Blvd. South at Bethany Lake, where a scenic pond and EdgeWater on the Tualatin Las Vegas, NV 89109 park are neighbors and life unwinds at a 17172 SW Sonnet Way (702) 740-6969 most pleasant pace. Situated in a superb Tigard, OR 97224 The best of New York City meets the school district in Washington County that (503) 684-0428 best of Las Vegas in one exciting location. includes the new Westview High School, www.LegendHomes.com Be a part of it. our new neighborhood brings you close to Near Bull Mountain! Edgewater on the it all, with downtown Portland just down • ESPN ZONE sports-themed dining and Tualatin is minutes to everything. Homes the Sunset Highway (26) and high-tech entertainment. from $295's to mid-$500’s with large employment only 5 minutes away. At • Live performances nightly from the homes backing to park! Up to 3149 sq. ft. Bethany Lake, the outdoors await with Award-winning comedy of Rita Rudner. (some Master on Main homes), up to 5 nearby berry picking and an area walking • The thrilling Manhattan Express Roller Bedrooms, 2.5 Baths, Granite Slab Kitchen trail system. With only 18 homesites Coaster. Islands, Great Rooms, Master Suites, available, this community on the corner of extensive use of Hardwoods or Tile on • COYOTE UGLY Bar and Dance saloon West Union Road and 185th in Portland main, much more. Neighborhood Park with and the Dueling Pianos at the Bar at won't last long. Times Square. Sportcourt. EdgeWater on the Tualatin is Chinook Crossing ® • New York City’s original Gallaghers an Earth Advantage community. SW 52006 SE Icenogle Loop Steakhouse. Pacific Hwy (99W), W on Beef Bend Rd., Scappoose, OR 97056 S on 131st, W on Fischer. • Be the toast of the town in the Big apple (503) 543-4637 Legend at New Columbia Bar with live entertainment nightly in “The www.centex.com 4533 N Newark St Greatest City in Las Vegas.” Take in the quiet splendor of the gentle Portland, Oregon 97203 • ZUMANITY, Another side of Cirque du grasslands at Chinook Crossing. This new (503) 285-2777 Soleil, the creative climax of sexuality, neighborhood of 74 spacious yet www.LegendHomes.com humanity and art. affordable new homes is situated in New Homes in North Portland from the Scappoose, a small town with a rural feel Pan Pacific Resort Hotels Mid-$200’s. Limited Number Available in just a half hour northwest of Portland. Worldwide Reservations this Award-Winning Community! Chinook Crossing will prove to be an Toll Free (800) 327-8585 Neighborhood includes Community Center, excellent setting for you and your family. Pan Pacific Hotels & Resorts. North Parks and Greenspaces, Rosa Parks America, Japan, Southeast Asia. Elementary, Main Street with Grocery. Up to 1806 sq. ft., 3 Bedrooms, 2.5 Baths,

66 ] Portland Information Guide NEW HOME DEVELOPMENTS NEW HOME DEVELOPMENTS

Master Suites with Walk-ins, Great Rooms, boasts spacious new homes on an inviting Gardens is an Earth Advantage® Dining Rooms, 2-car Attached Garages, hill. With Kelly Creek and wetlands community. I-5, W on Tualatin-Sherwood, more. Legend at New Columbia is an Earth bisecting it, this scenic neighborhood, S on SW Boones Ferry, W on Ibach, S to Advantage® community. From 1-5, Take named after the close-by Springwater Trail Grahams Ferry, E on Helenius. Columbia Exit, S on Portsmouth from Corridor, features 3-5 bedroom homes, all Village at Orenco Columbia Blvd.; S to N. Houghton, E to with gas fireplaces, and some with bonus 6446 NE Southbrook Ct Dwight; N to Newark. New Model located rooms and lofts. Only 40 minutes to Mt. Hillsboro, Oregon 97124 at 4533 N Newark Street. Hood, Springwater Hills has a desirable (503) 530-8457 Nottingham Woods location that puts you and your family www.LegendHomes.com 2111 Alex Avenue close to it all. Popular Location near Orenco Station Salem, OR 97302 StoneWater at Orenco MAX Line! Homes from the high $300’s, up (503) 364-6423 7302 NE Cherry Dr to 2586 sq. ft., 3-5 Bedrooms, 2.5 Baths, www.centex.com Hillsboro, Oregon 97124 with Bonus Rooms, Dens and/or Lofts, Settle just south of Salem at tranquil (503) 648-0233 extensive use of Hardwoods on Main Nottingham Woods, where a stream runs www.LegendHomes.com Level, Front Yard Landscaping with Timed through this blossoming neighborhood of Simplify Your Life! Stonewater at Orenco Sprinklers, Rear Yard Fencing. Community spacious and welcoming homes. Groves of features homes from mid-$200's to High- Park with Sportscourt and Playground. oak, maple, ash and fir trees abound. The $300’s Village at Orenco is an Earth Advantage® Oregon coast and mountains lie to the Maintenance-free Living! Townhomes & community. From Hwy 26, S on Cornelius west, and to the east, lakes and mountains Condominiums at Stonewater near Orenco Pass Rd, W on NW Cornell, S on NW await. With only a limited number of home Station MAX Line! Up to 2232 sq. ft.; 2 to 231st, W on NE Orenco Ridge Ct. sites, Nottingham Woods offers something 4 BRs, 2.5 Baths; Master Suites with Walnut Corner for everyone. Walk-ins; Attached Garages. Hwy 26, S on 6210 NE 84th Avenue Rosewood NW Cornelius Pass, W on NW Cornell, S Vancouver, WA 98662 Brush Prairie, WA 98682 on NW 231st, E on NW Cherry (360) 883-2826 (360) 896-3333 The Q Condominiums at Orenco Station www.centex.com Enjoy plenty of elbowroom at 1298 NE Orenco Station Pkwy Phase III opening soon! Open skies and Rosewood, our new neighborhood located Hillsboro, Oregon 97124 welcoming trees invite you to pleasant between Vancouver and Battle Ground in (503) 747-2318 Walnut Corner, a new neighborhood Brush Prairie, Washington. This Clark www.LegendHomes.com planted in booming Vancouver. These County community features ultra-spacious Enjoy a Downtown Lifestyle without the spacious homes with 3 to 4 bedrooms are 2,800-3,400 square-foot homes with 3 and Downtown Price! The Q Condominiums at warmed with charming gas fireplaces. Fun 4-car garages and sprawling, flat yards, Orenco Station from the $180’s featuring for the family can be found throughout the many on a quarter acre of land. Far from single-level flats, 2 and 3 level homes, from area with nature and trails nearby, along densely populated areas but still close to 819 to 1842 sq. ft., 1 to 3 BRs. The Q with the Fort Vancouver National Historic the city, Rosewood boasts a get-away- offers access to the swimming pool and Site that was established in 1824 and is from-it-all rural feel. With superior exteriors fitness center at Club 1201 through the Q now partially reconstructed. and superbly finished interiors, these home owners association as well as homes are bound to move fast. controlled-access underground parking. South Nottingham Many luxurious amenities included. The Q Salem, OR is an Earth Advantage® community. Hwy (971) 246-2037 26, S on Cornelius Pass Rd, W on NW www.centex.com Cornell, S on Orenco Station Parkway, Coming Soon! With neighbors that across from Orenco Station & Starbucks. include oak, maple, ash and fir trees, the Victoria Gardens small neighborhood of South Nottingham 22968 SW 104th Terrace possesses a rare natural beauty that's Tualatin, Oregon 97062 distinctly Oregon. With a planned public (503) 427-0706 park coming in the near future, this tranquil www.LegendHomes.com community south of Salem is bounded by Natural setting on the edge of the a running creek and surrounding country! Victoria Gardens features elegant woodlands. With only 18 homes planned homes from the high $400’s, some these spacious, 3-4 bedroom homes with backing to greenspace, all minutes from 2- and 3-car garages range from 2,433- Bridgeport Village, area shopping, major 3,267 square feet. highways and downtown Portland. Homes Springwater Hills range in size from 2382 to 3274 sq ft, with 6472 SE 26th Street 3 to 5 BRs, Master suites, 2 or 3-car Gresham, OR 97080 garages. Cherry hardwoods, Cherry (503) 663-9649 cabinets, Granite counters included, full As Mt. Hood beckons in the distance, A/C, full landscaping with timed sprinklers, scenic Springwater Hills in Gresham rear yard fencing and more. Victoria

Portland Information Guide [ 67

NEW HOME DEVELOPMENTS NEW HOME DEVELOPMENTS

68 ] Portland Information Guide