•• -e-
Fer millions of Blacks
wlDsay IIey in � in start-
• but never did, the
tcm. American eeoromic ex­
val\Bble mon aOO
.����r������.
�.
FordDle BIacIcs who think that
ItdJey bM it cmicr than us," many
aed questions remain. How
I11II1Y people have good credit
wtm 1hey � oli of a foreign
CDUdIy1 they IBI sud, wealth in
wily would they rome to
America'. ghettos to work 16
IDa • day! As peq>1e from a
.... ms, they have learned, es
we..... � only belp tbey
anri&fdallycxpect is from within.
WHY CAN'T 1HE Korean
IUCCaI bmuIa work for Blacks?
WIll the wcdd in � recession,
downbmI in urban job oppor-
mllack 0{ rvices, train­
q IftI e.!prise activity in our
QOIMlunities, can the African
AmedcIIlaxnm\llity afford to rot
try � that has already
wadDllJrothem?
MIlt Black axnmunities have
an .:dYiIt faction that decries
kaan �m in their
� am demam that
. by - .. the Idl out." But even if
k&iam did �, tmt is m
CYidenz bIl � remaining in­
...... � any ability on how
., bin, Clpilllize or operae bisi-
M. of the tensions that
� aew:aIed dlXing the La; An-
*" any u.erested people
In bIIcIt IDI Kmean � eeross
Ire ftmning African..
"�Amcrican OlambetS
� OJo'Ineacc, O\Ue8ch and net­
WG1IdnRCIpIizations am support
., help � situation.
KQRI'ANS SUCCEED IN
Ibdr buIUaa venturts because
by don't te precious time
'YIrW ., prtNe that �ir inade­
cp.a were somebody else's
IIIIory IS> sOOws that there
.. no loYe of KoR2l1S by
ani Koream don't waste a
lot 0( time ace� their love or
-..Ion.
'Their kBIers don't sit aroum
� 1tIlt their iIIlbility to
.���preven�them
ftan aeau. higtHalary jobs, It
1111)' be pBIible dBt Koreans can
� ItD'C of k> take advantage
� CJPPOI1Ubties that do exist in .
DIlly 1Odety.
� Workl Media Association
CIOII\)Iicd a �ting of polCntial
crOis-cultural contacts for
a*,pdlc ml exchanges. Contact
JoIm Robbins at � WMA (.m)
781J..12991br roore infonnation .
BUSINESS 'FINANCE
How To Tell If
You'r In Cr dlt Trouble
The first tep toward getting out
v
t re ctu 11y the m to-
vio nd th m t dif icult to t
dmit t t you h ve problem..
then top borrowin .
Determln ho mu h debt you
h vee Li t 11 the np id I n
you owe, dd them nd your-
elf, "Can I p Y th m off in one
ye r?"
In ddition 100 t wh t you p y
e ch month. If your monthly debt
p ymen equ 1 15 or more of
your fter-ta income, e eluding
your mort age p yment, you're in
ov r your he d.
Here re orne other tellt le
ign of credit trouble: (1) You p y
the minimum mounts or Ie on
your harge c rd. (2) You've
re ched your credit limits. (3) You
no Ion er contribute to a avin
account. or you have no aving at
all. (4) Creditors re ending pa t
du notice.
If orne of the e problem ound
o
r
To help you survive and thrive
By LEN MOR PUBLICATIONS
merle n Politic I clence
I tlon ofTe Congre lonal
fellow blp opportunitie to mid­
career profe ionals, and graduate
fellowships in political cience for
African-American and
Chicano/Latino students. Applica­
tions must ubmitted prior to
December 1. For information about
application procedures write to:
Director, Graduate Fellow hip Pro­
gram, American Political Science
Association, 1527 New Hampshire
Avenue, NW, Wa hington, DC
20036 (202) 483-2512.
A LA tlng of All Public and
Private Sector Reverse Mortgage
Program is now available to con-
umers by sending a self-addressed,
stamped business-size envelope and
one dollar ($1.00) to NCHEC
Locator, 1210 East College Drive
ui 300 Mars�ll MN 5625S. yo�
� whAl 'd� '�erse mortgagesf
Reverse mortgages are, aged 62 and
over. Reverse mortgages are now
available in 41 states--not Alaska,
Arkansas, Lousiana, Mi slssippi,
North Dakota. Oklah rna, South
Dakota, Texas, and Wisconsin.
HUD Announces HOUSing
Funds for Persons with AIDS is
late-breaking news from the Nation­
al Resource Center on Homelessness
and Mental Illness. $4.7 million will
be awarded competitively for special
pro�ects of national significance, and
projects submitted by States. Ap­
plications are due on October 26,
1992. For further details contact An­
thony Wynne, a housing analyst at
the Policy Research Associates, Inc.,
262 Delaware Avenue, Delmar, NY
12054 (800) 444-7415.
'So You Have Higb Blood
Cholestrol./ .. ' is the title of a free
publication available to consumers
from the Nattonal Cholesterol
Education Program, NIH/NHLBI C-
200 Bethesda, MD 20892. Anyone
can develop high blood cholesterol
regardless of age, sex, race, or ethnic
background. But, because there are
no w.arning symptoms or signs, you
are likely to be surprised at such a
diagnosis. Don't be alarmed, but do
take it seriously. Like high blood
pressure, most people are unaware
that their blood cholesterol levels are
high until they learn it from their
doctor. And, like high blood pres­
sure, it is a potential threat to your
health that you can do something
about.
Drug Abuse/youth Violence,
two publications are available to
community workers, organizational
leaders, and public officials seeking
to tackle these issues. "Adolescen:
Drug Use Prevention: Common
Features of Promising Community
Programs" examines the design, im­
plementation, and re ults of promis-
109 comprehensive, community­
based drug use prevention programs
for young adolescents, regardless of
their funding resources. This 91-
page report contains recommmenda­
tions from the General Accounting
Office (GAO) of the Federal
Government to the Secretaries of the
US Departments of Education, and
Health and Human Services.
Available for $4 to cover po tage
and handling from Len Mor Publica­
tions, PO Box 75035, Washington'
DC, 20013. "Reducing Youth
Violence" the title. of the second
booklet covers the cope of the prob­
lem and the characteristi of the
y�uth at risk of committing serious
cnme, two promiSing early preven­
tion strategies that could reduce th
ris� of youth committing violent or,
dehquency and violence.
Available for $3 from Len Mor
Publications. Thi document
pre ents testimony by the General
Accounting Office (GAO) before the
United States Senate.
Do You Know omeone Wltb
Dlabete ? Especially an older per­
son. There is a fact sheet available
free of charge which di cusse Type
I and Type II diabetes, including
symptoms, detection, treatment, and
self-help re ources, focusing on the
special needs of the elderly. The
piece i printed in large type and i
easy to read. For your free copy end
requests to National Diabetes Infor­
'marion Clearinghouse, Box NDIC
9000 Rockville Pike, Bethusda, MD
20892.
Thinking About puttln
together Directory of Minority
Bu lnes ? You might have a look
at .the �ew '1992 Directory of a
Mi nor i ty-Owned Businesses
Wiscon in" published by the Wis­
consin Deparjmen] of
bevelopiHenl{,s 't>iviS'j'bnlll /)
Economic Opportunity. The data for
the directory is compiled and main­
tain�d by the Bureau of Minority
Business Development in the State.
Copies are available through Robert
L. Wynn, Bureau of Minority Busi­
ness Development, Department of
Development, PO Box 7970
Madison, WI 53707 (60S) 267-9550:
Teachers In Grades Preschool
Througb Six, here I a new
resource guide: This publication
has been prepared for educators in­
terested in nutrition and health
education materials, audiovisuals,
and other resources for the class­
room. Items listed in this publication
cover topics including general nutri­
tion, weight management, food
science, and food preparation.
Teaching materials listed include
food models, games, ki ts, videocas­
settes, and lesson plans. Textbooks
and resources are listed to assist
teachers with background informa­
tion; some of the items featured may
be used independently by children.
This free publication, ti tied "Nutri­
tion Education Materials and
Audiovisuals for Grades Preschool-
6, March 1992, "is available from the
Food and Nutrition Center, USDA
National Agricultural Library,'
10301 Baltimore Blvd., Beltsville..
MD 20705-2351 (301)504-5755.
Pub No SRB 92-06
The Resolution Trust Fund bas
a Minority and Women Outreach
Program that all of us in business
should be familiar with. The RTC is
aggressively seeking qualified
minority and women-business as
contractors to provide services in
connection witli management and
liquidation of assets from failed
savings institutions.
The goal of this program is to
ensure inclusion, to the maximum
extent possible, of minorities and
women, and entitie owned by
minoritie and women, in all contract
entered into by the RTC. For addi­
tional information about how your
company might benefit from thi
Program contact Delores L Lowery,
Di rector of the Minori ty and
Women-Owned Outreach Program,
RTC SOl, 17th Street, NW,
Washington DC, 20434-0001.
Wh t Black Should Know
About Cancer is a booWet that con­
tains the basic facts you need to
know about cancer. It cove.rs what
cancer i , what ca es cancer, what
can be done about cancer and much
"luch more. Write for yourfrce copy
to the Office of Cancer Communica­
tions, National Cancer Insititute,
Bethusda, MD 20205.
h To Do To
Cr dlt Troubl
tOu
2
I ��AnL s
Charle Ro is the ho t of the
nationally syndicated radio pro­
gram '1' our Per onal Finance" and
the author of Your Per onal
Finance.
Ron�ld �. Smiley (left) corporate affairs central region manager for a national brewery presents a
contribution to State Representative Alama Stallworth (center), and Kathy Evans project director for
the local "Each O.ne Teach One" program, which runs from October 10 through D�mber 12 "Each
One !each .One" IS �art ofthe Detroit area's'National Black Child Development Institute, which PrOvideS
a vanety of Infonnatlonal and edu?ational services to local youth and their families. Under the program,
mo�e than 100 volunteers wor� with youngsters at academlc risk from ages six through 17 to help them
imprOYe r basic m.h, Enghsh gramm ann rea ·ng.· Rl �_lIou._"'� . .
institute's Detroit chapter. r � • ep. ';:)�ul,1 81., Identofth.e.u'
(Cl m rrr suiu]. II rn I (ll'
-I ....... " •
... ,.
You want the house.
You want low rates.
We want your business.
;nere co�ldn't be better time to buy a home. Interest rates are lower than
they ve been In years. And th�re couldn't be. a. better bank to help you buy one
than NBD. Not only are �BD s rate competitive, we offer a wide variety of
mortgage prod�cts '. And If you have orne special requirement, like a low down
pay�ent or flexible interest rates, our mortgage specialist will work with you
to tailor a loan to your needs. So, if you want a house, we want your business.
1800 CALL NBD.
Or visit any NBD branch.
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. hrt
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