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FHA to implement new "FHASecure" refinancing product

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President George W. Bush last week announced that HUD's Federal Housing Administration (FHA) will help an estimated 240,000 families avoid foreclosure by enhancing its refinancing program effective immediately.  Under the new FHASecure plan, FHA will allow families with strong credit histories who had been making timely mortgage payments before their loans reset-but are now in default-to qualify for refinancing. 

In addition, FHA will implement risk-based premiums that match the borrower's credit profile with the insurance premium they pay-i.e., riskier borrowers pay more.  This common-sense, risk-based pricing structure will begin on January 1, 2008. 

"Many hard-working American families who were able to make their mortgage payments under the initial teaser terms of the exotic loan are now struggling to make ends meet because their rates have doubled or tripled," said HUD Secretary Alphonso Jackson.  "FHASecure will bring stability to the housing market and give eligible families who were in good financial standing before their loans reset a chance to keep their homes."

The combination of FHASecure and risk-based premium pricing will permit FHA to return to the role it was originally designed to play, bringing stability to the real estate market by helping break today's cycle of foreclosures and price depreciation and creating much needed liquidity in the now-constricted mortgage market.

FHA has recently experienced a substantial increase in the number of conventional borrowers refinancing into FHA products.  With FHASecure, it can help even more.  The number of these refinancing transactions has tripled since the start of 2006.  FHA's transactions are projected to surpass 100,000 loans by the end of the fiscal year. To date, these figures do not include refinances for delinquent borrowers. 

For more information about FHASecure and other FHA products, please call 1-800-CALL-FHA or visit http://www.fha.gov/  or http://www.hud.gov/.   For a list of your local homeownership center or a HUD-approved housing counseling center, go to www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.

A New Biz Directory: Connecting the Black Business Community

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By Abdoulaye Traore

Here comes another Black business-a unique and purpose driven, action-oriented business organization. The Inland Empire Black Business Directory and Resource Guide is a professional advertising, information and marketing resource. The purpose of 4LifeEnterprise is to promote and increase the sales of Black business to black consumers. The goal of Mr. Jerry L. Green, the publisher of this directory and resource guide, is to support and stop being a people who try to do EVERYTHING!  "Everyone Can Eat" of all the black businesses, organization, individuals, and all major companies. It is a bi-annual publication that benefits black businesses whose target is to increase exposure in the black community. He also stated that many black businesses are contacting him, and he appreciates the fact many small business owners may need to jump start their businesses. The financial future of the Inland Empire, California, and indeed the nation will be based upon the ever increasing spending power and contributions of Black Business Owners in providing a variety of goods and operating in mainstream America.

Governor Appoints Several Riverside Residents to Government Positions

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Three Riverside residents were recently appointed to government posts by Governor Arnold Schwarzenegger.

Kenya Davis-Hayes
Kenya Davis-Hayes, 27, of Riverside, has been appointed to the California Council for the Humanities. She has served as an assistant professor in the department of history, political science and criminal justice at California Baptist University since 2005. Davis-Hayes previously worked for Purdue University from 2000 to 2004 where she held the positions of teaching assistant in the department of history; and research assistant, social justice project coordinator and teaching assistant in the department of curriculum and instruction. She is a member of the Riverside County World Affairs Council, the Organization of American Historians and Kiwanis International. This position does not require Senate confirmation and there is no salary. Davis-Hayes is a Republican.

Carol D. Codrington
Carol D. Codrington, 48, of Lake Elsinore, has served as a commissioner for the Riverside County Superior Court since 2006. Previously, she was an attorney in private practice from 2004 to 2006. Codrington served as an associate general counsel for the Los Angeles Unified School District from 2001 to 2004 and a deputy city attorney for the Los Angeles City Attorney's Office from 1999 to 2001. Prior to that, she was adjunct professor of law and director of litigation at the Western Law Center for Disability Rights at Loyola Law School from 1997 to 2000. She was an associate and partner in the law firm Mallory & Brown-Curtis from 1989 to 1997 and an associate for Robinson & Pearman from 1986 to 1989. Codrington earned a Juris Doctorate degree from Loyola Law School Los Angeles and a Bachelor of Arts degree from Loyola Marymount University. She fills one of the new positions created by Senate Bill 56

Dale R. Wells
Dale R. Wells, 54, of Indio, has served as a commissioner for the Riverside County Superior Court since 2003. Previously, Wells served as a family law facilitator for the Riverside County Superior Court from 1998 to 2003. From 1994 to 1998, he was in private practice handling primarily family law cases. Wells earned a Juris Doctorate degree and a Bachelor of Science degree in law from California Southern Law School. He fills one of the new positions created by Senate Bill 56.

Keeping Mother’s Dream Alive Through Beauty

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By Naomi Bonman

A beauty shop is more than just a place to come and get your hair done; each beauty shop is unique in its own way and holds its own history. A Perfect Touch Salon was opened by Faye Conner in 1993, after she had dreams of opening her own shop.

Conner always wanted to have a family business with her daughters. A Perfect Touch started with seven hair beauticians and three barbers, some have left the shop and started their own businesses.

Outside A Perfect Touch during the celebration.
In July 2005 Faye Conner passed away and since then her daughters Sonya and Santha, along with Barber Chris are helping each other keep Conner's dream alive by keeping the shop open for new barbers and stylists. Roy Conner, the husband of the late Faye Conner who owns the shop works hard to please the clients and to supply products for the shop.

The stylists specialize in press-n-curls, braids, weaves, hair coloring, perms, twists, cuts, up-dos, and waxing; the barbers specialize in cuts, fades, textures, trims, eyebrow arches, and waxing.

A Perfect Salon had a re-opening event on August 18 where they gave out discounts on hair prices, had smooth music playing, and much more. The celebration was also a way for them to gain more barbers and stylists.

Several clients who have been coming to the shop for many years were present in supporting A Perfect Touch in its event.  "I've been coming here since 1995, my mom comes here and my daughter comes here. We love the service, the family atmosphere, and the quality of service," says client Andrea Stewart.

" The people are very friendly and Santha works hard to get an appointment that best fits with my schedule," says D. Rose.

One of Conner's clients, Steve, expresses how Conner has touched him, "I started coming here in 1993 and haven't gone anywhere since. Faye started doing my hair up until she passed, she became a friend. Let's keep her dream alive to help out the community."

Conner's daughters along with Chris are very dedicated and are working hard on keeping their mother's dream alive.

"We're going to keep A Perfect Touch alive because we want to see our clients happy when they come and leave. We also want to help them out in any way that we can, soon we will have supplies and hair for sale; without God on our side this will not be," Sonya Roberts said.

Sonya Roberts, Chris Ginwright, and Santha Haynes in front of the shop before the celebration.
A Perfect Touch hasn't only changed the clients' lives but it has changed the stylists' lives as well. "I want to thank my mother for giving me the opportunity to change my life and putting me on the right path. Thanks to the shop, it has also changed my life for the better, I really enjoy what I do," Santha Haynes said.

"I've been cutting hair for sixteen years. A Perfect Touch is a place where I can utilize my skill and a place where the clients enjoy; it is a home setting where everyone knows and loves each other. I want to thank Mr. &  Mrs. Roy Conner for the opportunity," Chris Ginwright said.

Future dreams that are in store for A Perfect Touch are to have happy clients with smiles on their faces as they come and go, to expand, and to keep Conner's dream alive.

If anyone is interested in working at A Perfect Touch as a barber or stylist or is looking for a stylist contact either Sonya, Santha, or Chris at (951) 352-9705. The shop hours are 9am-6pm Tuesdays-Thursdays.

The “Magic Touch” Catering To Their Residents

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By Shantiqua S. Stuart


The Magic Touch Residential Care Facility for the Elderly has been going strong since its grand opening in 2005. It is an elderly care facility that is located in a moderate income neighborhood, and their prices are sensible to better accommodate the community. The facility has two acres of land with an elegant country setting.  It contains an enchanting courtyard with many tropical plants, beautiful flowers, and a gazebo.  It is licensed for six residents, and the rooms are private.  There are special pathways for the elderly to walk through and plenty of space for them to occupy. "It's a loving Christian home," says Ms. Louise Tucker, the LVN Administrator. She does hope to expand and open up a second house for the elderly in the near future.

Louise Tucker of Magic Touch
The facility's staff places high value on the quality and care that they provide for their residents.  Ms. Tucker explains, "We cater to our residents with specialized care."  She has had specialized training in many areas of the nursing field, and the manager of the facility has over ten years of experience. In fact, "The Magic Touch" has a "direct care professional staff," which validates that their staff members are more than just caregivers, but a team with lots of experience and training, integrity, morale, and quality.  Ms. Tucker explains that they have received the maximum training available through state requirements.  Their training was directed through The Community Residential Care Association, and this association was approved nationwide to have the best training. 

"A lot of places have substandard services because their caregivers are not trained properly...we have had the maximum training," says Ms. Tucker when asked about her residential care facility for the elderly.  Ms. Tucker has been working at "The Magic Touch" facility for approximately two years now. With more than 25 years of experience in the nursing field, she retired from the Veterans Administration Medical Center in 1995, and opened up the residential care facility. She wanted to provide a good home for the elderly and make a positive impact in their lives.  She admits to observing elderly care centers "that were not so wonderful" to their residents; therefore, she decided to make a difference and run her own elderly care center the right way. 

The residents are extremely happy at the facility, and the staff has done an excellent job in maintaining trust with the residents' families.  They strongly support family involvement by allowing families to give their input, ideas, and suggestions on how to further better the home.   The staff does their best to communicate with the families often, and invite them to be a part of the facility's care plan. They also promote family participation by offering Sunday brunches for the residents' families.  This is an opportunity for the families to mingle, interact, and spend time with their loved ones.  Ms. Tucker explained that these family events are vital to the progress of the residents because they begin to feel lonely and unwanted. "They (the families) are a part of our team," says Ms. Tucker.

Nevertheless, it is safe to say that "The Magic Touch" residential care facility is an exemplary role model for other elderly care facilities to follow. The devoted staff members place high importance on the satisfaction of their residents.  They spend quality time with their residents, provide great food, incorporate one on one care, and strive to maintain a family oriented environment. 

"We give them (the elderly) our very best because they really deserve it...I put my heart and soul into it," says Ms. Tucker.

If you have any questions regarding The Magic Touch Residential Care Facility for the Elderly, please contact them at (951) 956-0182, or email them at www.loujeanavilla@yahoo.com. Their web address is www.loujeanavilla.org, and they are located at 20378 Warren Road, Perris, California 92570.

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