Issue link: http://www.epageflip.net/i/407725
Foragooddealof my life, I lived un- der a dark cloud of worry that I would end up financially destitute. A survey con- ducted by Harris In- teractive for Allianz Insurance Group re- veals that I'm not the only one. In fact, most of us have felt that way, not because we're broke, but because we don't have confidence that we know how to hang on to our money. And that makes us timid, worried and finan- cially insecure. Financial confidence is a choice. It's a matter of changing bad habits and choosing to learn simple financial principles. Then by consciously applying them over and over, those principles will become automatic re- sponses — financial hab- its. Here are four simple things you can do, start- ing today, to improve your financial confidence — and take control of your money. 1. Get angry Debt is the pits. It elim- inates your options, keeps you awake at night — can make you lie to your creditors, even lie to your spouse. I know. I've been terribly, worse than horri- bly, in debt! So what are you going to do about it? Whine? Complain? Feel sorry for your- self? I have a better idea. Get mad! Decide once and for all that you will not sell your soul to the likes of Master- Card and Visa — not one more day, not one more purchase. Get righteously indignant at the very idea of transfer- ring your future wealth to them. Decide right now that you will do whatever it takes to get out of debt. 2. Become a saver Saving money is like magic because it changes our attitudes and calms our fears. I can honestly say that I saved my way out of a six-figure pile of debt. Knowing I had cash tucked away in a safe place quieted my insatia- ble desires. That is where I found my determination to stick with repaying the debt. As long as I knew I had some money to call my own, I was willing to go to great lengths to re- pay the debt. And in the process, I gained finan- cial confidence and secu- rity. Start with a dollar and stuff it in a coffee mug if that is all you can man- age. Then make it $5. Soon you will be saving $10, $20 even $50 a week, plus all the change from the sofa cushions and washing machine. It is not a require- ment that you have your own paycheck to become a habitual saver. What- ever money you man- age — the grocery money, the household account — whatever it is, take some of it right off the top for savings. 3. Make it automatic Setting up a plan where you have money automatically transferred to your savings will move your financial confidence to a new level. Fill out an automatic deposit autho- rization form at the bank or credit union where you have your household ac- count. Here's the princi- ple: If you don't see it, you don't miss it. 4. Set a financial goal Perhaps your finan- cial goal is to repay your credit-card debt. Excel- lent! You need a plan. My Rapid Debt-Repayment Plan, which is one of the pillars of Debt-Proof Liv- ing, is the best plan you'll ever find because it cre- ates a reasonable way to get out of debt. You can see how it works by clicking on RDRP Calculator Demo at DebtProofLiving.com. Wouldyouliketosend a tip to Mary? You can email her at mary@eve- rydaycheapskate.com, or write to Everyday Cheap- skate, P.O. Box 2099, Cy- press, CA 90630. EVERYDAYCHEAPSKATE Fourstepstofinancialconfidence Sacramento River Dis- covery Center's Fall Fest plant sale will take place 9 a.m. to 1 p.m. Saturday at 1000 Sale Lane in the Men- docino National Forest's Red Bluff Recreation Area. At the center's 2 acre garden the recent cooler weather has spurred a flurry of activity. The work in the garden continues to be accom- plished by a group of fan- tastic volunteers. Spend- ing between one hour and 10 hours a week they have changed the appearance of the garden and have started to do some replanting. The new garden plan will have a variety of sections. One will feature an only lo- cal region with drought tol- erant natives, meaning that once established, the plants should survive the summers using a minimal amount of water. Another section will feature native plants and grasses that will need shade and water during the sum- mer months. Another area will feature deer resistant and drought tolerant spe- cies that come from other parts of California. "We will have a good quantity of non-native to Red Bluff to sell at the Fall Fest plant sale," said Bobie Hughes, volunteer executive director of the center. "We will also have both Floral Native Nursery and Native Springs Nursery, both of the Chico area, with California Native Plants." New this year will be SRDC-grown wildflower and plant seeds. These seeds were harvested from plants grown in the garden in 2013-2014. The seeds in- clude those from Califor- nia Poppy, Blue Flax and several varieties of Lupine, plus seeds from other plants from the garden. As a special thank you to those who attend the Wild & Scenic Film festival at 6 p.m. Saturday at the State Theatre, each family will be given a packet of California Poppy seeds to help beau- tify the area. For more information about the film festival visit www.WildAndScenicRed- Bluff.weebly.com. The center will be invest- ing the proceeds from the sale to expand the number of species grown and test to see about their ability to withstand cold winters and hot summers. The center is always look- ing for volunteers to help with the many projects, in- cluding planting of wild flower seeds and propagat- ing plants for the Water- shed plant sale in May. The center will be open 9 a.m. to 3 p.m. Tuesdays through Saturdays un- til Nov. 15. After that date hours will be 11 a.m. to 4 p.m. To set up group visits call 527-1196, send an e-mail to bhughe1@tehamaed.org or visit www.srdc.tehama. k12.ca.us. DISCOVERY CENTER Pl an t sa le s et f or S at ur da y COURTESYPHOTO The Sacramento River Discovery Center's plant sale Saturday will feature of variety of deer resistant, drought tolerant and native plant species, as well as wildflower and native plant seeds. Mary Hunt SACRAMENTO The Bu- reau of Reclamation and the California Depart- ment of Water Resources will jointly release on Nov. 7 the CalLite 3.00 (Beta) Model, a Central Valley Project and State Water Project water operations simulation screening tool. The CalLite model runs faster and provides re- sults within 5 percent of the more detailed CalSim II model. CalLite is simple enough to be used as an educational resource for stakeholders, yet sophis- ticated enough to provide powerful analytical capa- bilities for more experi- enced modelers. CalLite has a user- friendly interface, faster simulation time, and op- tions for evaluating the impact of different regula- tions, facilities, and oper- ational strategies on Fed- eral and State reservoirs in the Central Valley. Improvements since the previous version of the CalLite model include batch-run capability, a dy- namic San Joaquin River module, and the ability to specify individual actions and various water supply allocation methods re- quired under the Central Valley Project Improve- ment Act. The model is also capable of perform- ing climate change anal- yses. CalLite 3.00 also in- cludes the ability to simu- late the water operations necessary to meet the State's Water Right Deci- sion 1485 because it gov- erned operations when the Coordinated Operations Agreement was put into place, and it is often seen as a fundamental baseline of comparison for water supply benefits. This ca- pacity to model Decision 1485 allows users the op- portunity to examine the effects of additional regu- lations. The CalLite model is posted on the DWR web- site at http://baydeltaof- fice.water.ca.gov/model- ing/hydrology/CalLite/ index.cfm. BUREAU OF RECLAMATION Water operations simulation tool to be released next month Today REDBLUFF Celebrate Recovery: 7 p.m., Bethel Assembly of God, 625Luther Road, 527- 0445or 366-6298 CORNING Nutrition Classes: 11:30 a.m. to 1p.m., 175Solano St., 824-7670 LOS MOLINOS Narcotics Anonymous: 7-8p.m., 25204Josephine Ave, Wednesday and Friday Saturday RED BLUFF Frontier Village Farmers Market: 8a.m. to 1p.m., 645Antelope Blvd. TEHAMA Tehama County Museum: 1-4p.m., 275C St., group tours any day by appoint- ment, 384-2595 Sunday RED BLUFF AA Live and Let Live: noon and 5:30p.m., 785Musick St., seven days a week except Thursday meets at 8p.m. Al-Anon New Comers At Heart: 6:30-7:30p.m., Presbyterian Church of Red Bluff, 838Jefferson Road, Room 2, 941-6405 Knights of Columbus All- You-Can-Eat Breakfast: 8a.m. to noon, $5adult, $3 child or $12family, Sacred Heart Parish Hall, 2285 Monroe St., 528-1991 TEHAMA Tehama County Museum: 1-4p.m., 275C St., group tours any day by appoint- ment, 384-2595 Monday RED BLUFF Bend Jelly 4-H: 6 p.m.,Bend School, 527-3101 Community Band re- hearsal: 7-9p.m., Red Bluff Presbyterian Church, 838 Jefferson St., New members welcome, 527-3486 Diabetic Support Group: 6-8p.m., St. Elizabeth Community Hospital, Coyne Center,Columba Room, Gail Locke 527-5290 English as a Second Lan- guage class: 5:30-8:30 p.m., Red Bluff High School Adult Ed building, 1295Red Bud, 736-3308, same time Tuesday and Wednesday and 9a.m. to 12:20p.m. Thursdays, free childcare from 9a.m. to 12:20p.m. classes in Richlieu Hall, 900 Johnson St. Head Injury Recreational Entity: 10a.m.-2p.m., St. Elizabeth Community Hospi- tal, Coyne Center, Rusty, 529-2059 Key to Life: 6p.m., Fam- ily Resource Center, 220 Sycamore St. Ste. 101, 528-8066 Narcotics Anonymous: 11 a.m. to noon, 838Jeffer- son St., Room 3, Monday through Saturday and 5:30- 6:30p.m. Saturday Narcotics Anonymous: 7-8:30p.m., 785Musick St., every day except Thursday Nutrition classes: 10:30 a.m. to noon, 220Sycamore St. #101 PAL Martial Arts: ages 5-18, 3-5p.m., 1005Vista Way, Ste. C, free, 529-7950 Salvation Army Writing Class: 9:30-11:30a.m., 940 Walnut St., 527-8530 Senior Writing Class: 10 a.m. to noon, Sycamore Center, 220Sycamore St., 527-5762 Sons in Retirement: 11:30 a.m., Veterans Memorial Building, 529-5700 Sun Country Quilters Community Service Group: 9a.m. to noon, Family Resource Center, 220Sycamore St. Ste. 101, 528-1126 TeenScreen Mental Health Appointments: 10a.m. to 2 p.m., free, by appointment only, Youth Empowerment Services, 1900Walnut St., 527-8491, Ext. 3012 TOPS Club (take off pounds Sensibly): 8:30 a.m., First Christian Church, 926Madison Ave., 527-7541 or 347-6120, visit www. tops.org US citizenship prepara- tion class: 5:30-8:30 p.m., Red Bluff High School Adult Ed building, 1295Red Bud, 736-3308, same time Tuesday and Wednesday Venture Crew 1914meet- ing: 6:30-8p.m., Moose Lodge on 99W, coed ages 14-20welcome Widows Association of Red Bluff - Play Cards: 1p.m., call 527-4659for location CORNING Alcoholics Anonymous: noon Monday through Friday, 5p.m. Thursday, 7 p.m. Monday, Tuesday and Saturday and 1p.m. Sunday, 783Solano St., behind the church Exchange Club board meeting: 7p.m., Holiday Inn Express Narcotics Anonymous: 7-8:30p.m., 820Marin St., 824-114or 586-0245, meetings daily Sewing class, 9a.m., Family Resource Center, West and South streets, 824-7670 Spanish Adult Education: 5p.m., Family Resource Center, West and South streets, 824-7670 Strategies for Success, Life Skill classes: 1:30 p.m., Family Resource Cen- ter, West and South streets, 824-7670 Weight Watchers: weigh in 5:30p.m., meeting 6p.m., Senior Center, corner of South and Fourth streets LOS MOLINOS Senior Dance: 7p.m., Senior Center, Josephine Street, 384-2100 Tuesday RED BLUFF American Legion Mt. Lassen Post 167: 7p.m., Veterans Memorial Hall, 735 Oak St. City Council: 7p.m. City Hall, 555Washington St. Cribbage Club: 6p.m., Cozy Diner, 259S. Main St., 527- 6402 Fiber Arts Group: 5-8p.m., library, 645Madison St., 528-8667, free Fun Senior Aerobics: 8-9 a.m., $1, Community Center, 1500S. Jackson St. 527- 8177 Healthier Living with Chronic Conditions: 5:30-8p.m., St. Elizabeth Community Hospital, Wright Room, 888-628-1948, redbluff.mercy.org/classes_ and_events PAL Kickboxing: 6p.m., 1450Schwab St., 529-8716 or 200-3950 Penny Bingo: 9:30a.m., Community Center, 1500S. Jackson St. Pinochle for Seniors: 12:30p.m. to 3:30p.m., 1500S. Jackson St., free, 527-8177 Red Bluff Derby Girls open tryouts and practice: 6:30 p.m., Tyler Jelly building at Tehama District Fairgrounds Red Bluff Rotary: noon, Elks Lodge Take Off Pounds Sensi- bly - TOPS: 10a.m., First United Methodist Church, 525David Ave., 824-0556 or 529-1414 Tehama County and Red Bluff Landfill Manage- ment Agency: 8a.m., board meeting, 727Oak St. CALENDAR NOTICE OF CURRENT PROPERTY TAX DUE MadepursuanttoSection2609,RevenueandTaxationCode Dana Hollmer, Tehama County Tax Collector, hereby announces that regular secured tax bills will be mailed on or before November 1, 2014, to all property owners, at the addresses shown on the tax roll. If you own property in Tehama County and do not receive a tax bill by November 10, contact the tax collector's office, 444 Oak Street, Room D, Red Bluff CA or call 527-4535. Failure to receive a tax bill does not relieve the taxpayer of the responsibility to make timely payments. The FIRST INSTALLMENT of 2014-15 taxes are due and payable on November 1, 2014, and will become delinquent if not paid by 5:00 p.m. or the close of business, which ever is later, on December 10, 2014 thereafter a 10% penalty will be added. The SECOND INSTALLMENT is due on February 1, 2015 and will become delinquent if not paid by 5:00 p.m., or the close of business, whichever is later, on April 10, 2015, thereafter a 10% penalty will be added plus the cost to prepare the delinquent tax records and to give notice of delinquency. BOTH INSTALLMENTS MAY BE PAID when the first installment is due. Payments may be made by electronic funds transfer or by credit card by logging on to co.tehama.ca.us or by mail sent to P O Box 769, Red Bluff CA, 96080. Mailed payments must be POSTMARKED BY THE DELINQUENT DATE to avoid late penalties. Payments may also be made in person at the county tax collector's office, 444 Oak Street, room D, Red Bluff, CA between the hours of 8:00 a.m. and 5:00 p.m., Monday through Friday, holidays excepted. I certify, under penalty of perjury, that the foregoing is true and correct. DANA HOLLMER Tehama County Tax Collector Executed at Red Bluff, Tehama County, California, on October 20, 2014 Published on October 24, 2014 and October 31, 2014. RUNNINGS ROOFING SheetMetalRoofing ResidentialCommercial • Composition • Shingle • Single Ply Membrane Ownerisonsiteoneveryjob ServingTehamaCounty 530-527-5789 530-209-5367 NoMoney Down! "NoJobTooSteep" " No Job Too Flat" FREE ESTIMATES CA. LIC#829089 Smog Check (MOST CARS & PICK-UPS) 527-9841 • 195 S. Main St. starting at $ 29 95 + $ 8 25 certificate SERVICESATLOWERPRICES All makes and models. 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