Homework:The Housing-Education Relation How Habitat for Humanity Helps Children Thrive

Homework:The Housing-Education Relation How Habitat for Humanity helps children thrive. Letter from the Director Did you know? Habitat for Humanity has a less During the current economic downturn, children of low- than 1% foreclosure rate, far income families are the innocent victims. It is estimated that below the national average. This an additional 19,600 children in the state of Oregon will be is due to Habitat’s unique fixed- negatively impacted due to the foreclosure crisis. This is why rate 0% interest mortgage that Habitat for Humanity’s work is more important now than ever. sets payments below 30% of the Children deserve the opportunity to succeed in school and life, which homeowner’s income. starts with a place to call home.

Just this year 47 children moved into 15 Habitat homes built in Portland and Gresham. We’ve done our homework to understand the impact homeownership has on a child’s education, and the results are stunning. Please consider how you might recommit and help Habitat reach our ultimate goal of a community where everyone has a Dzifa and Kodzu (pictured right) moved into their Habitat home this year in simple, decent, affordable place to live. southeast Portland. Their home was part of the Home Builders Blitz 2008, where local, Steve Messinetti professional home builders built five homes in seven days. They are pictured with their four children (from left) Kodzo, Kodzoyi, Emanuella, and baby Godwin.

Story Problem: If a boy’s family moves every 15 months due Did you know? to lack of affordable housing, how many schools will he In the Portland area, 47.7% of have attended from primary through high school? residents move every 15 months, primarily due to rising rents.3 The more children move, the more ground they lose. In 2006, The Multiple studies have shown that Journal of Education Research cited high student mobility and inadequate students who frequently change 2 housing as two of the top reasons for low academic performance. schools are 50% less likely to Children who switch classrooms, especially in the middle of the school graduate from high school.4 year, quickly become out of step with their peers. “I’ve moved 24 times in my life. Looking The Habitat Solution: back I realize how stressful life was. I Habitat for Humanity’s unique homeownership model gives hardworking, blamed myself and would feel terrible for my children because they deserved better. low-income families the opportunity to buy a home that will be affordable Now our family has stability. Our children to them long-term. That means children do not have to switch schools, don’t have to worry about moving or or leave friends and teachers. Furthermore, statistics show that children in changing schools. “ –Julie, Habitat Homeowner home-owning families have better math and reading scores.

Children of Habitat homeowners (pictured right) study in their bedroom.

Did you know? Math: How much money would you have left over if your One in four Oregon renters pay more monthly take-home pay was $1,600? than half of their total income to rent $1,600 – _____ (your housing payment) – _____ (your food & transportation) each month, which doesn’t leave – _____ (your child care & health care costs) = ? enough for child care, food, education, health care, and transportation.5 Without stable, affordable housing, people are hard pressed to succeed in jobs, school, or raising a family. High housing costs for renters make Oregon 6 The reality of taking home the third least affordable state in the nation. As parents work longer hours or $1,600 a month: multiple jobs to pay bills, children frequently have home responsibilities, which “My husband works for a printer, and I work for cause them to grow up faster and miss out on key educational opportunities. a retail store. We bring in about $1600 monthly, and after you subtract the rent, utilities, food, The Habitat Solution: gas, and things the kids need for school, we Habitat for Humanity provides a fixed-rate 0% interest mortgage and ensures have about $100 a month total for extras. Our teenager baby-sits our younger children to save the mortgage payment is not more than 30% of the family’s income. According money on child care. Having a set mortgage to a survey of Habitat homeowners in the Portland area, owning a home led to that we can afford will allow us to save money a decrease in dependence on government assistance. They also were able to build for the first time.” –Sandra, future Habitat homeowner equity and save money for the first time in their lives. This leads to less stress in pictured with her husband Martin, and a family’s life, providing a brighter future for parents and children. children (from left) Martin Jr., Stacy, and Sandy in the trailer they currently live in. Logic 101: Stability + Community = Well-Adjusted Kids Did you know? Studies show that frequent movers Changing schools unravels social networks and other support systems for were 77% more likely than children children and families. Moving often damages, or completely severs, important who have not moved to have four social ties that are useful for cognitive and social development.7 A child’s or more behavioral problems.8 education is disrupted and peer relationships crumble, which can lead to behavioral problems. The Habitat Solution: “You’re working on your house doing your 500 sweat equity hours, and helping A house is not just a shelter, but a foundation for stable life patterns. Habitat someone else on their home, and it is a chain reaction that goes on and on. There for Humanity typically builds clusters of homes together resulting in were three Habitat homes in our neighbor- immediate support networks for parents and consistent friends for children. hood, and we all had teenage girls. We’ve Before buying their home, future homeowners put in 500 hours of sweat seen our kids grow up together, and we’ve become a community.” equity along side these other families. The result is that families become –Judy, Habitat homeowner neighbors and friends, and their children have stability that will help them thrive in life and school.

Walls Up! Volunteers and future homeowners (in green shirts) raise up their walls on a triplex being built on southeast Martins in Portland.

Did you know? Health and Wellness: How do unhealthy living conditions A high housing cost is one contribute to unhealthy students? of the most important reasons Oregonians go hungry.9 A common mantra states that a healthy breakfast and a good night’s sleep lead to successful students. If kids go without both, it is harder to succeed. Mold, leaking roofs, cold drafts, unsafe appliances, vermin and slugs are some of the unsanitary conditions that Habitat homeowners previously endured. As the cost of living rises, it becomes harder to find safe, affordable housing and still “When we were in the trailer we didn’t pay for basic necessities. As a result, something has to give, such as health care know how the mold was affecting my baby or food. brother. Now, everyone is so much happier, especially my little sister. I am thankful to be The Habitat Solution: in a Habitat house, and it makes me want to work harder and do better in school, so Physical health relates to emotional health. Habitat homes are high quality, I don’t have to go through what my mom durable, Energy Star compliant, built to last, and have all the basic amenities. went through. ” Having a clean, safe, and stable place to live has healthy results for families. –Anjelica (pictured left middle), daughter of Habitat homeowners Children who live in a clean, stable home are 44% less likely to have respiratory 10 Angel and Teresa (next to her), infections or gastrointestinal illnesses. with Sophia and Angel Jr. (in foreground). Extra Credit: How does getting involved with Habitat lead to Did you know? better neighborhoods and schools? This year more than 2,200 volunteers donated 27,140 hours In neighborhood schools, high mobility rates disrupt classroom dynamics and to the work of Habitat, which the sequence of lesson plans, affecting all the students in the classroom and equals $531,705 in paid labor. stretching staff resources.11 For example, the Lents neighborhood in southeast Portland has a 40% turnover rate during the school year, which is almost 100% related to housing instability.12 If high rents force people to move “When you’re a renter, it’s not permanent frequently, less attention is given to their neighborhood and community, so why work on the place? I could be asked which affects everyone. to move tomorrow. I never really cared as a renter, but now the sky’s the limit. I am The Habitat Solution: not throwing rent money down the toilet, Community support is what makes the Habitat program work. Volunteers I am building equity in my home and community. “ and donors invest their time and dollars to make affordable home- –Laura, Habitat homeowner ownership opportunities available in the Portland/Metro East area. Each year thousands of volunteers and donors help build homes, which allows Habitat to sell homes below market value, and bring diversity and stability into areas such as Lents. A stable, affordable home allows kids Volunteers learn from Carmen Schleiger, to stay in the same school and allows parents to invest more in their Habitat for Humanity’s Director of Housing community, which is a benefit to all. Development (in purple).

Future Goals: Highlights: • Twenty homes in 2009 and 30 annually within five years. • Jubilee Commons-Located in the Rockwood area of Gresham, this build includes 23 homes situated in a U-shape around a community center. • Increase green and sustainable This is the largest Habitat build in the state of Oregon. Five homes are features in all Habitat homes. completed and five more are currently under construction.

• Identify and purchase land • Habitat for Humanity ReStore-The retail store sold almost $500,000 worth of necessary for the next five years donated building materials to help raise funds for Habitat, and directed 950 of building. tons of material away from landfills.

• Women Build-This dynamic program managed and built by women continues with the fourth home built in Portland and the first in Gresham.

• Home Builders Blitz 2008-Five homes were built in just seven days thanks to donations from five local professional builders and over 170 subcontractors and suppliers.

Tandi, in her new Habitat home in Jubilee • LEED Build-Construction was started on two LEED-certifiedhomes in Commons with her five children (from left) northeast Portland. These are the first LEED Habitat homes in the state of Sammy, Isaiah, Maritza, Sebastian, and Moni. Oregon, and they will receive a gold rating. Statement of Financial Position Statement of Activities As of June 30, 2008 July 1, 2007 - June 30, 2008

Assets Revenues

Cash and cash equivalents 964,046 Contributions 1,753,799 Prepaid expenses and other assets 75,809 Donated services, materials Grants and contributions receivable 261,249 and equipment 666,941 Inventories 4,360,809 Home sales 2,422,616 Mortgages receivable at fair value 3,780,157 Other revenues 659,422 Buildings and equipment 363,934 Total Revenues 5,502,778 Total Assets $9,806,004 Expenses Liabilities and Net Assets Program services 4,263,342 Accounts payable 469,847 Management and general 245,238 Accrued expenses and other liabilities 408,652 Fundraising 319,239 Tithe and Oregon affiliate distributions 83,281 Total Expenses $4,827,819 Notes payable 1,414,825 Change in Net Assets $674,959 Total Liabilities 2,376,605 Net Assets 7,429,399 The above numbers represent the combination of the independently audited financials of Portland Habitat for Humanity and Mt. Hood Total Liabilities and Net Assets $9,806,004 Habitat for Humanity. The combined financials have not been audited. Habitat Merger Dollar Distribution Ratio Portland Habitat for Humanity and For every dollar donated to Habitat 88 cents Mt. Hood Habitat for Humanity goes towards building homes. joined forces on July 1, 2008, to become Habitat for Humanity Portland/Metro 5.1% management East, serving Multnomah County and 6.6% fundraising northern Clackamas County. As a single organization, we will increase the 88.3% to Habitat building programs number of homes we build for low- income families, enhance our visibility in the region, and strengthen and diversify Habitat’s Revolving Fund our program to respond to needs of the communities we serve. Your donations today live on for years to come.

Sim A ple, nt ece Hom D e Did you know? Every year $500,000 is returned to & ls y a M i N e r o o Habitat in the form of mortgage

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M g o a r t g Thank You for Your Generosity! (Donors From Fiscal Year July 1, 2007-June 30, 2008)

Habitat for Humanity Portland/Metro Habitat for Humanity ReStore Silver ($5,000 - $9,999) Bronze ($1,000 -$4,999) East Board of Directors Hilb, Rogal & Hobbs Autzen Foundation James Adair Judith Huck, Board Chair HSBC Cindy & Jeff Bieker Advanced Energy - Sekidenko Len Magnuson, Chair Elect Intex Custom Homes Margaret Bobisud Gary & Lisa Albert Norm Schoen, Secretary John Gray Charitable Fund of the Oregon David & Jennifer Boe Norma Alberthal Mark Chism, Treasurer Community Foundation Boeing Corporation Alpine Mortgage Dianne Rodway, Past Chair LHL Homes, Inc. Tim & Mary Boyle Jeanne I. 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Link & Jean E. Ousterhout Loyce Martinazzi Jessie Johnston Kohnstamm Family Foundation Todd Littlehales Jeff & Janice Mason Ben & Louise Jones Leonard Kolender Sarah Lizio Terry Mayhew Louie & Sally Jones Leslie & Gordon Kondo Camaron LLP MBM Properties, Inc. Kathryn Jorgenson Laura Kooiman Janet Loewen Norma McAfee Janet Jump Teresa Kraemer Jo Anne Long Carol McAllister Paula Justice Thomas Kramer & Catherine Mushel Sally Long Mary McCarty Linda Kahl William & Barbara Krieg Dorothy Long Patricia & Donald McConnell KAIA Communications, Inc. Robin Krieger Rodney Looney W.C. McCormick Adam & Kylie Kallio Bernie & Carol Kronberger David & Shawn Looney R.S. McCourt Mark Kaltenbach Karen Kruse David & Jina Lorati Shelley & Michael McCoy Sally & Paul McCracken Charles P. 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Marlyne Olson Debbra Perry Ed McNamara Tracie Murphy Joyce & Roger Olson Janice Peterson Lois McNaughton Patrick Murphy Oregon Restaurant Equipment Inc. Martha Peterson Arthur & Aileen McNett James Murphy Oregon-Idaho Annual Conference of United Sue & William Peterson Wilma & Joel McNulty Julie Murray Methodist Church Larry & Trina Peterson Margaret McReynolds Larry & Maria Mussallem ORET LLC Leland & Lois Petrik Rob Meeker Beth Muti Douglas Orloff Tony Petrillo Linda L. Mehlig Cathy & Mark Myers Milo & Beverly Ormseth Jennifer Petro Maria Meneghin & Darrel Condra Bruce Myers Karen W. Orr Richard Peyran Meredith Corporation Mary Myers Jorja Orr Julie Peyton Jeffrey Merkley N2 Excavation Inc. Kelly Orr James Pfaff Sharon & Earl Mershon National Builders Hardware Laurie Ortega Marilyn Phelan Steve & April Messinetti Barbara Neely Mike Orzen Donna Philbrick Metanoia Peace Community Neil Kelly Company Harold Osterman Anne G. Philipsborn & Richard Ray James & Jennifer Meurer David Nelson Oswego Roof Gene & Darrel Linn Phillips Mary Meyer Madeline Nelson Linda & Daniel O’Toole Sharon & Robert Phillips David Meyer Alan & Laura Nelson Stefanie Otterson V. Lee Pickett Ray Meyer Kristine Nelson Mary Overgaard & David Cook John Pierce & Robin Wright Michael’s Finish & Trim Carl & Lisa Nelson Dr. Robert Owens Angel Pilato Glen Michtom John & Elesa Newell Pacific Overhead Door Karilyn Pilkington Microchip Technology Inc. Marcia Newman Pacific Power Joellen Piluso Marietta Miick Scott & Shannon Nichols Ann Paes Chief Carla Piluso Tara Miller William Nicholson Patricia Paine Lee & Carly Pinson Dana & Peter Miller Nick & Liz Nickel Thomas Pak Nancy Pitney Michele Miller & Robert Schlichting Janell & Mark Niemann-Ross Wayne Palioca Pitney Bowes Ruth Miller Nike Inc. Paul & Sandy Palmer Misty & Andrew Plank Miller Paint Hollywood Larry & Lisa Ann Norman Richard & Lila Palmiter Christine Pohl Jennifer Minor Richard & Beverly North Steve Palomakie Stephen & Jane Poisson Paul Minty North Pacific Group, Inc. Nancy Park Carol Pollard Erik Mitchell Mike Northcott Cheryl Parker Meghan & Lloyd Pollard Janice Mitchell Jena Novotny & Steve Sutton Susan Parker Fred Pollastrini Dolores N. Mlekush Diane Nudelman Parker Pacific Construction Jason & Katy Pollock Annette Molitor Lori & Jonathan Nussbaum Virginia Parks David & Judy Pomeroy Dianna & Michael Ponder Rachel Reynolds Caron Rowland Anthony Seminary Christine Poole-Jones Solveig Reynolds Eileen & Don Rueck Barbara Sestak Portland General Electric Mary & Robert Rhodes Leslie Ruffner Ruth Settle Bettie Portwood Clayton Rice Lana & Larry Rulien Craig Shambaugh Brian Posewitz Judy Rice Debora Runnion-Jessup James Shamrell Frederick & Lorene Powell Jean & Harry Rice Dean Runyan & Elizabeth Evans Ariel Shattan & Philip K. Jansen Powellhurst Garden Club Michael & Kathaleen Rice Jennifer Rupert Betty Shaw John & Charlotte Powers Faye Richards Casey & Alyse Ryan Charles Shaw Robert Powers Doug Richardson John Ryan D. Jean Shaw Precision NW Woodcrafts Marilyn Richen S’ Tile David Sheern Paul & Marjorie Prentice Rae & Woody Richen Shirley & Thomas Sagerser Daniel Sheil Deb Price Nancy & Scott Richman Carrie Saito Sam Shelhorse & Mike Golub Daniel Przybylowski Roselyn Richmond Martin Salinsky John Shepski PTSC Mary Ricks Michael & Linda Salinsky Molly Sherwood Donald & Carol Ann Purkey Dean Riechman Sue Sandford John & Joan Shipley Stephen Qually Dorothy Ritner Arlene Sanford Jason Short Crystal Query Marvin & Joan Rittenberg Margaret Sansone Rick & Linda Siegert Quorum International Kyle Roaf Stanley Satter Benjamin & Elaine Silver R&S Roofing & Specialty Sales Mark Robbins Julie & Brian Satterwhite David & Cindy Simon Donald & Patricia Rader Sharon Robbins John & Rena Saunders Michael Simon & Suzanne Bonamici Rich Ragone Robert Roberts Valerie Scatena & Roger Herndon Patrick Simpson Shari & Brian Rainka Jennifer Roberts Sharon & Rick Schaefer Amy & Carl Singmaster Elizabeth Ramirez Will Robertson Al & Lisa Schauer Richard Skinner Vittz-James & Elaine Ramsdell John & Joann Robinson John & Iris Schaumburg Linda & Jimmy Skinner Rey Ramsey Ronda & Peter Robles George Scherzer Stephen Slusarski & Nancy Lapaglia Robert Ramsey Rock Foundation Amy & Jason Schlager Marian & Vinson Sly Ameen Ramzy Rockwood United Methodist Church Linda Schlechter Rhonda & Paul Smith Larry Rank, Sr. Rodda Paint Carmen Schleiger Larry & Billie Smith Rachel Rappaport Jean Rodway Kathleen & Gary Schlickeiser Bennett Smith Vivian Rappleyea Dianne Rodway & John Becker Elaine & Peter Schmidt Julie Smith & Alan Yoder Walter & Carol Ratzlaf Kevin Rognlie Harvey & Holly Schmidt Jeff Smith Rick & Kathleen Rauch Lynsley Rollins Michelle & Kevin Schneider Leslie Smith Erika & Rory Read Elizabeth Rollins Norm Schoen McCoy Smith Real Estate Headquarters Co. Barbara & Terry Rommel Randy Schotthoefer Ruth & R. Lee Smith Scott & Helene Rebman Anne Rooney Joseph & Moira Schrock Todd Smith Thomas Redmond Steve Roper Len Schulwitz Cassandra Smith Arno & Marie Reifenberg Jennifer Rose Harry & Sheri Schumacher Shawn & Amy Smith Susan H. Rein Norman Rose Eric Schwarz & Mary Heagler Damian Smith Cynthia Reinhardt Rose City Mortgage Specialists Anita Scott Laura Smoyer Ruppert & Cheryl Reinstadler Steven Rosenbaum Charles Scott Kathi & Bill Snouffer Karen Reiter Kathryn Rosendahl Alicia & John Scott Juris & Candy Solovjovs Max & Christine Reitz Robert Rosholt Scott Reed Estimating Terance Song Resurrection Properties Inc. Nick & Jacqueline Rothenberg Nan Seale Marta & Jim Specht Margaret Retz Dean Rothenfluch Richard & Paulajean Sells Spirit Media Steve Reynolds Leonard & Dorothy Rotolo Sellwood United Methodist Church Judy & Lewis Sprunger St. Andrew Lutheran Church Nancy & David TenHulzen Susie Vischer Judy Wickman St. Michael & All Angels Church Marie Teune Carolyn & George Vogt Sandra Wilborn St. Paul’s United Methodist Church The Artisan Custom Framing & Gallery Katie Voth Barbara Wildern Mark & Jackie St. Pierre The Pepsi Bottling Group Foundation, Inc. W.L. Gore & Assoc. Jane Wilkins Jane Stackhouse The Robert C & Nani S Warren Foundation Wachovia Foundation Jerry & Lucille Wilkins Starbucks #468 The Sankoz Corporation Michael & Diona Wagoner Jayne Wilkinson Ted & Bonny Steffan Phyllis Theisen Daniel Waldeck Willamette Week Laura & Doug Steinke Catherine Theriault Ben Waldron Marianne & Thomas Wille Bob & Helen Stephens James Thomas Lionel & Betty Walklate Jan Willemse Steven V. Rizzo, PC Cynthia Thomas Kathleen Wall Richard & Juliet Williams Dannelle Stevens Thomas Hacker & Associates Architects Inc. Linda Wall Phillip Wilmarth & Janis Shampay Teresa Stewart Gary & Donna Thompson Lynn Walser David & Elaine Wilson Jon & Lisa Stine Grant & Sandy Thurston Rebecca Walter William Wilson Stockamp & Associates Rowland & Gayle Timmerman Benjamin Ward Jeffrey Wilson Laura Stockwell Cherie & Pat Tindall Anne & Nick Warren Viola & Arthur Wilson Karen Stolzberg Carl & Lynda Toland Kelly Washam Jane & Thomas Wilson Rosannah & George Stone Rebecca & Michael Tom Roxanne Waterman Kim & Tom Wilson Zachary & Vasiliki Stoumbos Jacob & Ann Tom Helen Watkins Carol Windsor Colin Stout Kathyleen Tomlin Dan Watson Sheri Winkelman Robert Streicher Ethel & Roy Tomlinson Joan Weaver Wink’s Hardware Johnny Strode Robert D. Tompkins & Alan Colley Don Weaver Elizabeth & William Wise Mark Stromme Leslie & Dennis Torresdal Wendy & Thomas Weddle Diana & Lawrence Wolff Diana Stuart Trimac Panel Products Dick & Barbara Wegner Michael Wolk Stumptown Coffee Roasters Tropical Smoothie Cafe Jean & John Weigant Barbara Woll Monroe & Melissa Sullivan Timothy & Mary Lou True Sharon & Richard Weijo Jim & Cathy Wood Marie Sullivan Rebecca Trujillo Mark Weinrott William & Jacquelyn Woods Sam Sundeleaf & Stacy Ho Carley & Garry Truyens Rhoda Weiss Esther Wooldridge Sunnyside Centenary United Methodist Church TT&L Sheet Metal Inc. Karen Weiss Jeannette Wright John & Jennifer Sutter Ron Tucker George & Sarah Wells Jean Yen Shirley & John Sutton Kim & Scott Tucker Luci Wells Steven & Susan Yett Gene & Carol Swedberg Tuffy Portable Toilet Companies Rosalinda & Robert Wells Avis Young Swedish Society Linnea Byron & Keri Twyman Sally Welter Liz Young C. Lynn & John Sweeney Christine Tye Emily Weltman RoxAnne Young Thomas F. Syltebo & Judith Fisher Frances Valder Doris Werkman Carol & Gerry Young Janine Szpara Margaret Van Vliet Stacey Werner Georgia Young Marie Taber Richard & Marjorie Van Zante West Portland United Methodist Church Daleen Yuranek Tabor Heights Methodist Church Richard & Barbara VanAmerongen Western Abrasives Inc. Thea Zander Ed & Katie Tamiyasu Ellen Vanderslice & Scott Parker Linda Wethern Patricia Zeedick Tarala Floors Tom Vanderzanden Megan Whalen Katherine & John Zelko Scott Tarrant Vangelisti Kocher LLP Leslie Wheeler Elizabeth & Stephen Zimmer Terrill & Jennis Taylor Jim & Julie VanNest Kathy White Graziella Zoccali Melvin Taylor David L. Vazzana Linda Whitman & Deborah Shill Rosalind & Howard Zuses Gina Taylor Brian Velander Erleen & Larry Whitney John & Barbara Taylor Loraine Vick Kathryn & Thomas Whittaker Tektronix Foundation Shannan & Walter Vines Diane Wichman Golden Hammer Volunteers (100+ hours) Team Builders General Builders Supply Endnotes Gary Amend Advanced Energy - Sekidenko Home Builders Association 1. Phillip Lovell and Julia Isaacs, “The Impact of Gary Barnard FEI Company Huttig International the Mortgage Crisis on Children.” First Focus. May Teddi Baumgartner Freightliner LLC Intel 2008. p. 4. Scott Benthin Hitachi Consulting International Wood Products 2. “The Journal of Education Research, “Relation- Cindy Bieker Ron Rothert Insurance Services Interworks LLC ship Between Mobility and Student Performance Larry Bjorem The ODS Companies Jeld-Wen and Behavior,” Jan/Feb 2006, p. 1. David Boe KATU 3. Andrée Tremoulet and Elizabeth Mylott, “Oh, Lakeside Lumber Give Me a Home.” Metroscope 2007. Jean Carlson ReStore Golden Hammer Volunteers Tim Chamberlin Lifetime Windows and Doors 4. Lovell, p. 1. Dan Doerner Brian Carr Lowes 5. “A Snapshot Look at Oregon’s Affordability Dick Firsich Cindy Correll McMenamins Crisis.” Oregon Opportunity Network, 2006. Pete Forsyth Bill Grandey Metro Recycling 6. Ibid. John Fosheim Mike Hric Michael’s Finish and Trim 7. North Central Regional Education Laboratory, Carolyn Graf Ansel Johnson Neil Kelly “Student Mobility’s Effect on Academic Acheive- Michael Helwig Ray Johnson Oregon Community Foundation ment,” 2007. Terrill Jarvis David Mehta Pacific NW Floor Coverings 8. Lovell, p. 1. Ansel Johnson Ben Powell Paragon Tile 9. Oregon Hunger Relief Task Force, January 2003, Mike Keating Larry Rank Parr Lumber “Hunger Headlines: Why Does Oregon Have the Larry Kissinger Lorie Whalley Pinnacle Exibits Highest Hunger Rate in the U.S.,” p. 1. Oregon Ken Knepper Robin Dunitz Pratt & Larson Tile Food Bank, October 2002, “Profiles of Poverty and Mary Ella Kuster Bill Kremers Regency Blue Cross Blue Shield Hunger in Oregon 2002,” Steve Randolf, p. 5. Denise LeSuer Joe Leben Room by Room Interiors 10. British Medical Journal 2001; 322 p. 1209-1212 Marianne McClure Daryl Phillippi Sears 11. Erik A. Hanushek, “Schooling in the Mobile,” Denise McKay Eben Schmidt Sherman Williams Floor Covering May 2002. Dave Moore Lynn Stott Surface 12. “Under One Roof,” dir. Tim Lawrence. Digital Fred Nelligan Matt Hewitt The Cronin Company Works Productions, 2008. Shelley Peck Erin McCormick Todd Hess Building Construction Special acknowledgement to the Oregon Opportunity Robert Potter Trinity Carpet and Flooring Network for compiling Oregon housing statistics. Larry Rank ReStore Business Donors Truax Builders Supply Mike Reynolds United Tile A Cut Above Exteriors Dean Riechman Walmart Blue Linx Kathi Rodgers Walsh Construction Co. CertainTeed Ken Schlemmer Wickermart Clackamas Town Center Wade Taylor Wilsonville Carpet Classique Flooring Joe Tushner Contract Furnishings Mart Janell Watt Costco Photography Credits Jill Winegar Craftman Home Group Kevin Felts Rob Wold Disedero Lumber Randy Hopfer Don Frank Co. Ethan Jewett, Stickeen Photography Fast Pac Inc. Chris Tolomei, Heavy Duty Design Ferguson Plumbing Floor Solutions Fred Meyers Our Vision A community where everyone has a simple, decent, affordable place to live and where poverty housing is unacceptable.

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