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St. Johns Favorites

More than Music: Jazz Festival Adds Pancake Breakfast & Bloody Mary Challenge

This month’s Cathedral Park Jazz Festival will feature two new events that benefit local food banks!

Pancake Brunch and Bloody Mary Challenge

Sunday morning, July 22nd, beginning at 9:00 a.m.

Pancake Brunch

The Jazz Festival will host their first-ever Pancake Brunch from 9:00 – 11:00 a.m. The cost is $7.00 for adults. Children accompanied by a paying adult eat for free. This will also be in Cathedral Park. Look for the tent with the Pancake Brunch sign.

Bloody Mary Challenge

Meanwhile, adults over 21 can build their own Bloody Mary between 9:00 – 11:00 a.m. at the Deschutes Brewery Beer Garden. Cost is $8.00 per person. Tomato juice, garnishes, and a short of vodka will be provided. At 11:00 a.m. in the beer garden, six bartenders from Portland establishments will compete in front of a panel of judges for “Best of the Fest Bloody Mary” honors. This event is sponsored by Everett West and Tito’s Vodka.

Proceeds Benefit Local Food Banks

While admission to the festival itself is free, everyone is urged to bring two nonperishable food items. Donated non-perishable food and proceeds from the Pancake Brunch and Bloody Mary Challenge will benefit local food banks including:

2018 Musical Lineup

To see the entire list of musicians and bands, please go to the 2018 Cathedral Park Jazz Festival Performance Lineup. For days and hours go to the Cathedral Park Jazz Festival page.

Allen Hinds playing at the Cathedral Park Jazz Festival
Allen Hinds playing at the Cathedral Park Jazz Festival
Categories
Insurance St. Johns Boosters

Misunderstanding Is Not An Excuse For Being Misunderstood

Things in life are often misunderstood. This can cause confusion and unrest among the population. A recent article highlighted people on Twitter admitting things they misunderstood as children …  https://bit.ly/2lDeDut One of my favorites;

“I used to think seahorses were mythical creatures like unicorns or pegasuses (pegasi?). I…umm…was well in my 20s before I saw one in an aquarium and discovered the truth.”

This is not the only individual to misunderstand something well into adulthood. People have often misheard musical lyrics. My 15-year-old loves to correct me about music lyrics. The day finally came during a car ride when I got to correct him. The song; Fix, by Chris Lane, goes “… I’ll be your slow grind, that late night, your Walter White high…”. This obviously is discussing the famous AMC show Breaking Bad. Credit my wife’s parenting skills on the fact that he did not know who or what Walter White was.

The point to this is that we all deal with things in life that we misunderstand. This happens daily in the world of insurance. Take my article from last week discussing rental car insurance. I have had people call and expect their policy to cover them driving in Europe. If you think that to be true, please read that article.

I will work through a few insurance concepts that are usually misunderstood.

When a deductible is due on a claim. When I handled claims the question about paying the deductible was always asked. The misunderstanding often occurs in two areas. How the deductible applies and when the customer pays it. If you have a $1,000 deductible it means that you are responsible for the first $1,000 in damage.

If the damage to your property is not more than $1,000 the insurance company will not issue payment. They owe you money when the damage is over your deductible. If you have a $5,000 claim the insurance company, in the simplest terms, owes you $4,000. This is typically money owed to the repair person of your choice prior to completion. The deductible is paid upon completion. $4,000 from insurance and your $1,000 deductible pay for the $5,000 claim.

Replacement Cost Value, Actual Cash Value, and Indemnification. One principle of insurance is Indemnification. This is the process of making you whole following a covered loss. You are to be made whole, not to profit from a claim. That means if you have a financial loss due to property damage you should be made whole based on the terms of that policy. On home insurance, most companies issue Actual Cash Value (ACV) on an item or material up front. ACV is replacement cost less depreciation. When the new item is purchased the remaining depreciation is paid to the customer. They have received Replacement Cost Value (RCV) and indemnified. Take the $5,000 loss mentioned above. Your carpet has a 10-year lifespan and is 5 years old when it is damaged. The total RCV is $5,000. The depreciation on a 5-year-old carpet with a 10-year lifespan is 50%. The company would owe the 50% of ACV up front less your deductible. That is $2,500 less $1,000 which equals $1,500. When the carpet is replaced the additional $2,500 would be issued to fulfill the RCV.

Like Kind and Quality. (LKQ) and Original Equipment Manufacturer (OEM). This comes up, most often, in the auto repair industry. You have shops that only want to do repairs with OEM parts. I understand that because they can make a lot of money from this process and be most efficient. If every insurance company and auto body repair facility paid for OEM parts, your insurance rates would skyrocket. LKQwww.lucascole.com parts are parts that have come from the same manufacturer as your vehicle, from the same model year or newer. They help the environment by recycling perfectly good parts and reducing waste.

Regular and Frequent Use of a vehicle. If you let your friend drive your truck to move his grandmother across town is he covered? That friend does not live with you. They do not have a key to the vehicle in their possession unless you give it to them. They do not have regular and frequent use of your vehicle. Your insurance policy, for the carriers I represent, would cover you and your friend. If your mother moves in and three months later is not listed on the policy, you would have a much different answer.

I bought a brand-new car, when do I have to call insurance? Well for the new car the coverage of your policy would extend depending on the policy you carry. For my carriers, it is 30 days. The fallout occurs if you only had liability on your previous car. That is all the new car will be provided. If you miss your carriers’ deadline for changing the vehicle there will be no coverage. If you are buying a new car and adding it to the policy, you better call and get coverage before you drive off the lot. The best answer, right away, before you drive the car off the lot.

The answer to most of these is to speak to your agent. If you are in Oregon and Washington and have not spoken to your agent since you bought the policy, give me a call. 971.303.8508.

You can also learn more about me and the agency at www.lucascole.com

Photos provided by unsplash

Categories
St. Johns banners

We Sold Out!

Woohoo! Thank you St. Johns!

The St. Johns banners team is proud to announce that we sold all 51 weeks available to advertise in the header of the St. Johns Boosters website.

Banners Grant

To catch you up, in the fall of 2017 the Boosters applied for a placemaking grant from Venture Portland to design, print, and install banners in St. Johns. The grant of $3,000 required matching funds. We were hoping to raise $2,000 in matching funds by selling advertising in the website header. Ultimately, we raised $2,900 from businesses who purchased 3, 5, or 9 weeks of advertising. These ads will be seen by the hundreds of site visitors who are looking for restaurants, shops, and services in St. Johns.

Another $500 was raised in-kind matching services donated by Shiref Eksander, owner of Alshiref Design and Print, who worked with the Boosters Banners Team to design the banner.

This means that the Boosters made a profit of $400! The money will go to support lighting the St. Johns business district trees with lights during the holiday season.

St. Johns Boosters banners team
St. Johns banners team. Left to right, front row: Mary Ann Aschenbrenner, Liz Smith. Back row, Allison Kirley, Leah Dowling.

Banners Team

The St. Johns Banners Team includes Mary Ann Aschenbrenner, President of Waterlink Web and the site designer for the Boosters, Liz Smith of Bizzy Lizzie and the social media rep for the Boosters, Allison Kirley of Delicious Life Wellness, and Leah Dowling of Leah Dowling Real Estate. Banners Team members not pictured here include Berdine Jordan of St. Johns Clay Collective and Brandon Rivera, a U of P student who wrote most of the grant application.

The team deserves a BIG thank you for working with the designer, PGE, City of Portland, the Boosters Board, and the printer/installer, Able Sage LLC to bring these 20 cheerful banners to St. Johns. In all, the project required about 100 hours of volunteer time.

Want to Advertise?

If you want to advertise in the website header, check back in March/April 2019 when we will be scheduling ads that begin May 11, 2019. Advertising runs week to week from Saturday to Friday. Ad charges are as follows:

  • 3 weeks, $200
  • 5 weeks, $300
  • 9 weeks plus 1 week on the marquee, $500
Categories
St. Johns Boosters

Oregonians CU Announces Fundraiser for St. Johns

Need an auto loan? Use Oregonians Credit Union and help the St. Johns Booster get a new marquee sign! The St. Johns Boosters have successfully replaced one Marquee sign and hope to replace the other two. In an effort to help raise money for the project, Oregonians Credit Union will be running an auto loan fundraiser.

For a limited time, Oregonians will donate 1% of the balance of your new auto loan to the marquee fund. This offer is valid for new or used auto loans, as well as the refinance of auto loans not currently with Oregonians CU.

You can apply online or in our branch at 7825 N Lombard. Make sure to use the offer code STJOHNS. 

The Oregonians Credit union team is excited to help you get the best auto loan and to help the community at the same time!

Apply online at www.OregoniansCU.com

Oregonians CU car loan program

Rebate will be credited to St. Johns Boosters within 30 days of loan disbursement. CUDL loans financed directly at a dealership are not eligible. Loan must remain at OCU for a minimum of 180 days or rebate amount will be added to the loan upon payoff. Minimum loan amount of $5,000. Maximum cash back of $500 per financed loan. Refinances of existing OCU loans do not qualify for this offer. We reserve the right to decline a loan request due to credit conditions, collateral value/condition. Rates and terms depend on the individual creditworthiness and collateral of each borrower. No other offers/discounts apply. OCU reserves the right to amend, suspend, or discontinue offer at any time.

 

Categories
St. Johns Boosters

2018 Cathedral Park Jazz Festival Performance Lineup

38th Annual Cathedral Park Free Jazz Festival in Portland
Announces Performance Schedule and Lineup for July 20-22, 2018

Cathedral Park Jazz Festival tent
Cathedral Park Jazz Festival drawn fans and families.

By Chris Lazarus, Chris Lazarus Associates

Portland, Oregon, May 1, 2018 – The Jazz Society of Oregon’s Cathedral Park Jazz Festival (CPJF) has announced its lineup of jazz, blues, R&B and soul performances for the three-day free event, Friday, July 20, Saturday July 21, and Sunday July 22, 2018, held in Cathedral Park under the historic St Johns Bridge in Portland.

“This is the 38 th consecutive year of the festival, which was started by a group of volunteers looking to commemorate the construction of spectacular Cathedral Park – one of the city’s most beautiful settings,” said Rita Rega, CPJF artistic director. “It has evolved into a celebration of Portland’s diverse music scene. It’s an ‘old Portland’ hang where everyone is welcome because it’s still free and still run by volunteers. It is also the longest-running community event in the Greater Portland area.”

In all, 15 jazz and blue bands will be performing. Youth groups open each day of the festival.

Friday afternoon and evening performances feature some of Portland’s top blues artists, including Norman Sylvester, Reggie Houston, Timothy James, and the NW Women Rhythm
and Blues.

Saturday is a showcase for the women of the Portland jazz community, featuring five female-led groups from the big band of Jessika Smith to the country swing of Becky Kilgore.

Sunday opens with a young jazz guitar hero and ends with a tribute to Ray Charles.

The CPJF planning committee is still looking for community sponsors and volunteers to fill a variety of positions. Sponsors may contact the festival planning committee by emailing
sponsors@jazzoregon.com. Also check Jazz Oregon website sponsorship page.

Volunteers may sign up by emailing volunteer@jazzoregon.com or register to volunteer online.

Allen Hinds playing at the Cathedral Park Jazz Festival
Allen Hinds playing at the Cathedral Park Jazz Festival

3-day performance schedule

Friday, July 20

5:00pm: Timothy James and the Portland Blues Revival – Strong vocals, instrumentals and arrangements got this talented group of young artists to the prestigious International Blues
Competition in Memphis in January this year.

6:00 pm: Reggie Houston – Former long-time band leader for Fats Domino and Charmaine Neville, Houston is a world-class artists of Blues, New Orleans Jazz and R&B.

7:30 pm: NW Women Rhythm and Blues – Sonny Hess brings together a powerful band of award-winning NW performers, including Joanne Broh, Lady Kat, Leah Hinchcliff, Kathryn Grimm and Kelly Pierce.

9:00 pm: Norman Sylvester Band, featuring Lenanne Miller & Renato Caranto – Show-stopping energy from Oregon Music Hall of Fame member, multiple CBA Muddy Award-winning, Norman “Boogie Cat” Sylvester and his 6-piece band.

Finale sees Timothy James and Taylor Newville join the “old dogs”.

Saturday, July 21

1:00 pm: Roosevelt High School Jazz Band under the direction of Jason Margolis.

2:30 pm: Becky Kilgore & the Cowhands (presented by JoBar)- Nationally recognized interpreter of the Great American Songbook, Kilgore brings her playful approach to Western swing and country with a taste of gypsy jazz. James Mason on fiddle, Doc Stein on Hawaiian steel guitar, Pete Lampe on upright bass.

4pm: Jessika Smith Big Band – Composer, saxophonist and music educator, Smith was lead alto saxophonist in the award-winning Oregon Jazz Ensemble and has performed at the Montreux, Vienne, Umbria and La Spezia jazz festivals. Here she has hand-picked 17 outstanding musicians from around the Northwest to fuel her powerhouse big band.

5:30pm: Catarina New & Brazilian Touch – Swedish-born saxophonist and vocalist, Catarina New’s sound is a perfect match for Brazil’s sultry Bossa Nova beat. Performing with her are some of Portland’s top Latin musicians, including her husband-percussionist Al Martin and Cuban born electric bassist Al Criado.

7pm: Quadraphonnes – This all-female saxophone quartet delivers both the sweetest harmonies and the hottest dance music. Spirited playing and dynamic vocals break all the boundaries of the usual sax quartet.

8:30pm: Tahira Memory – Following in the footsteps of her Grammy-winning father, Thara Memory, vocalist and band leader Tahira Memory is one of the most popular vocalists to come out of Portland. She has been praised as having “a love for old Soul, an open ear for all music, and a respect for current Rhythm & Blues.”

Sunday, July 22

1pm: Enzo Irace – Young composer-arranger, jazz guitarist and student of Dan Balmer.

2:30 pm: Under the Lake: On the heels of their success at this year’s PDX Jazz Festival, Under The Lake will satisfy those fans of funk, neo-soul and jazz with their groove and attitude. The 6-member group has four internationally-distributed albums.

4pm: Randy Porter Trio with Nancy King – Portland’s Randy Porter and Nancy King were both nominated for Grammys again this year and are two of the country’s best improvisers. They will take us on a trip through the music of Cole Porter, sampling the material from the recent release, “Porter Plays Porter”

5:30pm: David Evans Quartet – Portland saxophonist and clarinetist David Evans has shared the bandstand with Pete Fountain, B.B. King and Mose Allison, among others, but here he will lead his own quartet, including Randy Porter (piano), Tim Gilson (bass) and Charlie Doggett (drums).

7pm: Remembering Ray- Something audiences won’t experience anywhere else, this tribute to Ray Charles, “the father of Soul” is led by soul singer, Sean Holmes, and backed by Ray Charles sideman, saxophonist Dan Wilensky and organist King Louis.

Background – Cathedral Park Jazz Festival

This year marks the 38 th consecutive year of the Cathedral Park Jazz Festival, which has been managed for the past five years by the Jazz Society of Oregon.

“This is a free, non-profit festival that provides the best jazz, blues, R&B and soul music from around the region to the greater Portland/Vancouver community,” said Rega. “In fact, the Cathedral Park Jazz Festival is both the longest-running free annual jazz festival west of the Mississippi – and Portland’s longest-running annual community event.”

About the Jazz Society of Oregon

The Jazz Society of Oregon is an all-volunteer non-profit organization 501(c)(3) whose mission is to promote the local jazz scene in Portland and the rest of Oregon. The Society supports jazz education, as well as fostering a greater appreciation of this thoroughly American art form. Information on the Cathedral Park Jazz Festival, including news on sponsorships, poster contest, volunteer opportunities and talent, can be found at Jazz Oregon.

Categories
Insurance

10 Tips To Keep You Safe This Summer!

As we head into summer we want to provide you with some tips to help improve your homes efficiencies and reduce the possibility of having an insurance loss.

1. Check and clean your dryer vent.

This can become clogged with lint over time.  This not only causes the dryer to work less efficiently but it can also be the cause of a fire.  2,900 dryer fires are reported each year resulting in 5 deaths, 100 injuries and $35 million in property loss.[1]    It is recommended that this is done annually.  A good video on this is located at https://youtu.be/G30EMOn1Cq8

 

2. Clean and check your gutters.

It is recommended that this is done twice a year in late summer and early fall.  Pine trees near the gutter line will make more frequent inspections and cleaning necessary.  The gutter system when not properly maintained can cause problems with drains and even lead to interior water damage that is most often not covered by insurance.  If the roof and ladder is not your idea of a good time play it safe and hire someone to do the dirty work.

3. Call before you dig

Hitting a gas, water, electric or other utility lines can cause many problems and possibly death.  Call 811 to make sure you can enjoy your summer and all the Pacific Northwest has to offer.

4. Check the trees surrounding your home.

Cut back trees and shrubs from the house walls, roof, and air conditioning system as needed.  We all know the damage trees can do.  Besides falling and destroying things limbs can damage the roof and home systems over time as well.

5. Locate and mark the shut-offs for the plumbing system.

When water starts flowing where it shouldn’t it helps to know where the shut off is located. The faster you can turn the water off the less damage that will be done and the faster things can get back to normal.

6. Check the caulk in the shower and tub areas of the bathroom.

Old caulk can become brittle, crack, and fall out of place.  This presents an opening for water to enter.  This can cause damage over long periods of time which can lead to mold.  To learn how to get out with the old and in with the new visit https://www.diynetwork.com/how-to/rooms-and-spaces/bathroom/how-to-re-caulk-a-bathtub

7. Test and replace smoke detectors, replace batteries as needed.

Per the U.S. Fire administration (USFA) smoke detectors should be tested monthly and batteries replaced at least once or twice a year.  Three of every five home fire deaths resulted from fires in homes with no smoke alarms or no working smoke alarms.[2]

8. Check for and repair trip hazards

Winter has just ended and in the Pacific Northwest, our weather can do funny things to items left outside.  Decks can have nails pop or pull out, boards can curl and bow.  Replace those as needed.  You also need to check for changes in the landscape that may cause a trip hazard as the ground may and heaved or shifted.

9. Be safe with your backyard fire pit

Make sure it is level, on the proper surface and at least 10 feet away from your house.  Have something close by, like a fire extinguisher, to put out flames if they get out of control.  When you put out the flames make sure they are completely out.[3]

10. Keep the barbecue safe and fun

Similar to the fire pit, make sure the grill is on a level surface and away from any flammable items.  If the grill is on, don’t walk away.  Kids and pets need to be kept away.  If you have a gas grill, make sure the gas does not build up prior to lighting the flame.  Your eyebrows and lashes will thank you for it.

Have a fun and happy summer season!www.lucascole.com

You can find us at:

Our website https://www.lucascole.com
Facebook: https://www.facebook.com/lucascoleinsurance/
Jose Salgado’s Facebook: https://www.facebook.com/JoseSalgadoInsurance/
Steven Coleman’s Facebook https://www.facebook.com/Steven-Coleman-Lucas-Cole-Insurance-Agency-402838740231703/

[1] https://www.usfa.fema.gov/prevention/outreach/clothes_dryers.html
[2] https://www.nfpa.org/Public-Education/By-topic/Smoke-alarms/Reports-and-statistics-about-smoke-alarms
[3] https://www.thisoldhouse.com/ideas/fire-pit-safety

Categories
Insurance

Distracted driving – A matter we cannot ignore.

https://www.lucascole.comIn October 2017 both Oregon and Washington state strengthened laws to make talking on a cell phone and texting while driving illegal.

Distracted driving is when a driver is paying attention to something not related to driving that makes the driver use their eyes, ears, or hands. According to www.oregon.gov there are four types of driver distractions[1] ;

 

Visual – looking at something other than the road – an accident on the side of the road
Auditory – hearing something not related to driving – a conversation in the back seat
Manual – handling something other than the steering wheel – your phone or your lunch
Cognitive – thinking about something other than driving. – an argument with a spouse or coworker

Clearly, lots of things qualify as a distraction when operating a motor vehicle. Texting and cell phones have been the major targets of enforcement and legislation and the statistics tell us why.

Distracted driving resulted in 10,814 crashes in Oregon from 2012 – 2016. 1,040 crashes were confirmed to have involved the driver using a cell phone. In those accidents, 19 people lost their lives. Teens accounted for 100 of those 1,040 crashes.

In February of last year, the Washington Traffic Safety Commission posted a survey result showing that cell phone use was the greatest cause of distracted driving.[2]  The article states that 1 in 10 Washington drivers operate a vehicle while distracted.

Look at the Pew Research Center Mobile Fact Sheet.[3]  This backs up what we already know. 95% of Americans own a cell phone. 77% own a smartphone. This is compared with 35% in 2011. Our technology is taking off at exponential rates and won’t slow down.

The study goes on to say that 100% of Americans from 18-29 years of age own a cell phone. Given the wide age range of that demographic, a safe bet and a summary of the searches I performed indicate that 75 – 85% of teens ranging 14-18 have cell phones. They are also, many of them, learning to drive for the first time.

How do we get teens to adopt safe driving principles? First, we must set the example. Next, we have to talk to them. Then we need to monitor those behaviors.

Many insurance companies have come out with safe driving applications. Farmers is the latest. They debuted signal in Oregon earlier this month. It provides an upfront discount and another potential discount at the next renewal. The point of this application is to help limit distracted drivers and driving habits that can lead to more accidents.

Visit https://www.farmers.com/signal/ to learn more about this app and how it can help protect your children and save you money at the same time.

Call me today at 971.303.8508 and I can help you develop a plan to prevent your teen from becoming another statistic.

You can also visit our website at https://www.lucascole.com

[1] http://www.oregon.gov/ODOT/Safety/Pages/Distracted.aspx
[2] http://wtsc.wa.gov/News/new-statewide-survey-shows-cell-phone-use-greatest-cause-of-distracted-driving/
[3] http://www.pewinternet.org/fact-sheet/mobile/

photos courtesy of unsplash.com

Categories
Favorite Businesses St. Johns Boosters

Introducing the Boosters Basket, a Welcome to St. Johns

Welcome to St Johns! And nothing says welcome better than a Boosters Basket.

Exciting Welcoming Gifts

For the first time, the St Johns Boosters are welcoming newcomers to our community with a basket filled to the brim with gifts from 27 local businesses. Gift highlights include free initiation at West Coast Fitness, incense and candles from Shanti Om, a flower pot from Metamorphic, a shoehorn from The Man’s Shop, and a comic book from Comic Cave. Gifts also included notebooks, magnets, beer cozies, and 20% to 30% off coupons.

The first Boosters Basket will be delivered to new residents of The Union at St. Johns, but we are hoping to expand the welcome basket campaign over the next few months to new homeowners, new employees, and other new residents within the St. Johns Business District.

More Members Who Participated

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Boosters Basket
Boosters Basket — Welcome to St. Johns

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Our members stepped up to the challenge to make this basket an amazing value. Showing once again, that St. Johns is a neighborhood that has you covered!

If you are a member of the St. Johns Boosters and interested in being in the Booster Basket, look for an email about our next campaign or contact Jean Schwartz, owner of Metamorphic, at BoostersBasket@StJohnsBoosters.org.

Categories
St. Johns Boosters St. Johns businesses

Meet our Banner Artist, Shiref Eskander of Alsherif Design

Chances are, you probably already know Shiref’s work.  Maybe it’s a flag flying on your neighbors’ balcony, or a bumper sticker on the car in front of you.  Perhaps you met him at a craft fair and bought one of his bridge prints.

St. Johns flag by Alshiref Design
St. Johns flag designed by Alshiref Design

When the St. Johns Boosters received a Placemaking Grant from Venture Portland to add banners to electrical poles in St. Johns, our Banners Committee knew right away that we wanted to work with this popular local designer! We knew Shiref could create a beautiful and eye-catching design to help drive traffic to the Boosters’ website marketing local businesses.

Interview with Shiref

Interview by Liz Smith of Bizzy Lizzie Social Media Marketing.

AlShiref Design owner, Shiref Eskander
Shiref Eskander

I recently sat down with Shiref of Alshiref Design to talk about his design background and why St. Johns is special to him.

Q: How did you get interested in graphic design?

A: Drawing was a lifelong interest growing up. I went to college to study social service, so I have a social service degree. Ten years later, I decided I would rather do what I loved to do, so I went back to school to study graphic design in Portland. I graduated in 2010.

St. Johns Flag

Q: How did you come up with the idea of the St. Johns flag?

A: Five years ago, I was talking with my neighbors and we decided that our neighborhood needed its own flag. They said, “you’re the graphic designer, you should design it!” I came up with several ideas and shared them with my neighbors and together we settled on the design that you see now. Each part has a meaning: the bridge symbolizes connection, the circle (or sun) symbolizes community, and the river is the flow of life. You’ll see with the bridge that one leg crosses over to the other side. This is connection of us not only to each other but to other communities.

Q: What are you doing when you are not designing?

A: Cooking, playing soccer with my kids, playing with my dog Lucky, playing in a local band, or sailing on the Columbia. One day I went out on my friend’s boat and they asked me to be on their sailing team.

Q: Where can people find your work?

A: Salty Teacup in St. Johns just started carrying my products, so you can see them there. I do many outdoor street fairs including the St. Johns Bizarre, Crafty Wonderland and the Portland Saturday Market. People are also welcome to visit me in the studio, by appointment. My studio is in the Pioneer United Methodist Church at 7528 N. Charleston in St. Johns, near the library. To make an appointment, contact me at contact@alshirefdesign.com

Q: Which neighborhood projects are you working on next?

A: I am working on the poster for the St. Johns Farmers Market, which opens on May 19th. It is exciting because I did the poster for the 5-year anniversary of the market, and this year is the 10-year anniversary.

Favorite Thing About St. Johns

Q: What is your favorite thing about living in St. Johns?

A: My favorite thing is that everyone knows everyone. When you are walking down the street, everyone says hello or at the very least, acknowledges each other. This is how it is in Europe, so it is what I was used to before I moved here. In other cities where I have lived, they don’t do this. But St. Johns is a friendly place, and a great place to work and raise a family. In fact, St. Johns is like a big family.

You can see more of Shiref’s work at Alshiref Design.

Get Your Name Up Top — Sponsor the Banners!

St. Johns banner
The St. Johns banners will draw traffic to the Boosters website marketing local businesses. Each banner is 2′ X 3′ and will be hung from electrical poles in our business district.

As part of the Banners Placemaking Grant from Venture Portland the St. Johns Boosters need to raise $3,000 from sponsors. Depending on the sponsorship level you select (Bronze, Silver, or Gold), you will receive 3 weeks, 5 weeks, or 9 weeks of advertising up top in the header of the Boosters website. That will give you visibility on each page of the site, and the opportunity to get your message in front of the over 1,000 website visitors we have monthly.

Sponsorship benefits also include social media posts, and, for Gold sponsors, 1 week of your message listed on the marquee in front of the Bridge. All sponsors will receive a signed limited edition print of the poster. Only one poster will be printed per sponsor!

To participate, go to the Banners Project section of our website.

Categories
Insurance

The power of COMPOUNDING interest

Plenty of people do not understand the principle of compounding interest. It is the basic principle behind acting now and acting later when the decision is what to do with your money. People need to be comfortable making major life decisions. This includes things like buying a house, getting married, and where to put your money. We always hear that time is money. Compounding interest tells us why this statement is true.

Investopedia defines Compounding Interest as;

“Compound interest (or compounding interest) is interest calculated on the initial principal and also on the accumulated interest of previous periods of a deposit or loan.”[1]

The principle is rather simple. The earlier you put money into an account, all things being equal, the more money you can make. The interest accumulates upon itself over time. The only two things guaranteed in life are death and taxes. Compounding interest can make the prospect of life and death easier to face. It can also make the volatility of gains and losses easier to stomach.

If you don’t have a ticket you cannot ride the bus. Plain and simple. You cannot grow or lose any money if you put it in your mattress. Look at your home owner’s policy. The limit on money probably doesn’t cover a trip to the grocery store and your local Target. Your current options for savings accounts aren’t going to do much either. According to Value Penguin, the highest interest rate on a savings account is 1.45%[2].

So, what do we do now?

We go to https://www.investor.gov/additional-resources/free-financial-planning-tools/compound-interest-calculator. Here you can run numbers to your heart’s content and see what happens if you wait to invest at age 35, 45, or 55. This site has a lot of tools to help you analyze financial information.

There are a lot of entry points. There’s a lot to understand when making decisions about money. The power of compounding interest is one that is important to understand.

Other terms like liquidity, current, and future needs, and risk tolerance to name a few. Go to investopedia.com for more information on terms like this.

If you would like to see what compounding interest can do for you call me today. 971.303.8508.

https://www.lucascole.com

 

You can also visit www.lucascole.com to learn more about my agency.

[1] https://www.investopedia.com/terms/c/compoundinterest.asp
[2] https://www.valuepenguin.com/average-savings-account-interest-rates