Issue link: http://www.epageflip.net/i/781722
Foryearsandyears,I lived under a dark cloud of worry that I would end up financially destitute, a bag lady. A study conducted by Allianz Life Insur- ance Com- pany of North Amer- ica reveals 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 con- fidence that we know how to hang on to our money. And that makes us timid, worried and financially in- secure. We don't have to ac- cept financial insecurity as some kind of life sentence. And that constant gnaw- ing fear of becoming desti- tute? Forget it! We can do something about it. 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 again, those principles will be- come automatic responses — financial habits. Are you ready to make 2017 your best money year ever? Here are four sim- ple things you can do starting today to improve your financial confidence and take control of your money. GET ANGRY. Decide once and for all that you will not sell your soul to the likes of MasterCard and Visa — not one more day, not one more pur- chase. Get righteously in- dignant about the very idea of transferring your future wealth to those cor- porations. Remember this: The borrower becomes a slave to the lender. Decide right now that you will do whatever it takes to get out of debt. BECOME A SAVER. Sav- ing money is like magic because it changes our at- titudes and calms our fears. The simple act of choosing not to spend money so you can save it is a soul soother, a nerve calmer. You must start now, today, no matter your situation — even if you are in debt, even if you are struggling to catch up and even if you are already contributing to a 401(k) plan or some other kind of retirement account. This is different. You need money in the bank to boost your financial confidence. Start with a dollar, if that is all you can man- age, and stuff it in a cof- fee mug. Then, make it $5. Soon you will be sav- ing $10, $20 and even $50 a week, plus all the change from the sofa cushions and the washing machine. SET A FINANCIAL GOAL. For any plan to suc- ceed, it needs to be specific, reasonable and measur- able. For example, let's say you want to save $2,400 in the coming year, mean- ing about $50 a week. That may be reasonable, pro- vided you are willing to re- ally stretch and make ad- justments in other areas. And you can certainly mea- sure your progress by sim- ply checking your account balance regularly. As you begin to under- stand that money and per- sonal finance are empow- ering, not repulsive, you will open the door to tak- ing control of your fi- nances. You will make progress one step at a time. And single steps taken consistently amount to miles. This year really could be your best money year. It's not a decision that any- one else can make. It's up to you. Wouldyouliketosend a tip to Mary? You can email her at mary@ everydaycheapskate. com, or write to Everyday Cheapskate, 12340 Seal Beach Blvd., Ste. B-416, Seal Beach, CA 90740. EVERYDAYCHEAPSKATE 2017: Your best money year ever REDDING In the month for love and valentines, Writers Forum will offer a much-requested poetry event presented by a duo of eminently qualified Shasta College English instructors 10:30 a.m. to 12:30 p.m. Sat- urday, Feb. 11 at All Saints Episcopal Church, 2150 Benton Drive, Redding. Dr. Sara McCurry has taught in the English De- partment at Shasta College since 2007. She earned an MFA in Creative Writing from Texas State University and a PhD in English from the University of Oregon. She writes poems about the nat- ural world, women's expe- riences including mother- hood, and teaching. She believes deeply in the message written to all on the Missoulian poet Rich- ard Hugo's gravestone: "Be- lieve you and I sing tiny and wise and could if we had to eat stone and go on." Scott Yates grew up in Cottonwood, earned an M.A. in English from San Francisco State University and taught for years in var- ious California community colleges and in Sanaa, Ye- men. He now teaches Eng- lish at Shasta College and lives in Redding. In poems about Yemen, family, his bi- cycle ride to work and other miscellany, Scott seeks to attend to the sounds of his subjects and explore the mysteries of human expe- rience This presentation will in- clude a mini poetry work- shop. Come prepared to participate in writing ex- ercises if you wish. Note a meeting room change for February only. Writers Fo- rum will meet in Eaton Hall East at All Saints Episcopal Church. Writers Forum meets monthly on the second Sat- urday. First two visits to Writers Forum are free. An- nual dues are $25. For further details, visit www.reddingwritersforum. com or write to writersfo- rumprogramchair@gmail. com. WRITERS FORUM Poetryevent scheduled Feb. 11 Mary Hunt By Justin McCuin Social Security manager in Redding Throughout the month of February, we honor Afri- can Americans by celebrat- ing Black History Month. Created in 1926, this event coincides with the birth- days of Abraham Lincoln on February 12 and Fred- erick Douglass on Febru- ary 14. African American communities have cele- brated these birthdays to- gether for over a century. Honoring our shared history and reflecting on the past is one way we can remember that in America, we believe in freedom and democracy for all. Another shared belief is that we all deserve a comfortable re- tirement, free of economic hardship. This is part of se- curing today and tomor- row. Social Security has the tools to help you plan for your retirement and to ap- ply for benefits online. We also provide disability ben- efits to individuals with medical conditions that prevent them from work- ing. If the disabled individ- ual has dependent family members, they can also re- ceive payments. If you or anyone you know is disabled, they may qualify for disability ben- efits. Studies show that a 20-year-old worker has a 1-in-4 chance of becom- ing disabled before reach- ing full retirement age. You can see if you meet our strict definition of dis- abled and apply for dis- ability benefits at www. socialsecurity.gov/disabil- ityssi/apply.html. Widows, widowers, and their dependent children may be eligible for Social Security survivors bene- fits. Social Security helps by providing income for the families of workers who die. In fact, 98 of every 100 children could get benefits if a working parent dies. And Social Security pays more benefits to children than any other federal pro- gram. You can learn more about Social Security sur- vivors benefits at www.so- cialsecurity.gov/survivors. Honoring each other begins with fair and equal treatment. Social Security guaran- tees that, if you pay into the system, you will have the same benefits as every- one else according to your earnings record. This Black History Month, we want to make sure our diverse nation is covered and that no one is left out of the benefits they deserve. We are with you through life's journey. Get to know your Social Se- curity. Visit us at https:// www.ssa.gov/people/afri- canamericans/. SOCIAL SECURITY Ce le br at in g Bl ac k Hi st or y Mo nt h Lassen Volcanic National Park will welcome acting Park Superintendent Mar- tha Crusius on Tuesday, Feb. 6. Crusius comes to Lassen with a wealth of experience she has gained over the past 33 years of working for the National Park Service. Since 2011, Crusius has served as the Pacific West Region's Park Planning and Environmental Com- pliance Program Chief re- sponsible for planning and environmental compliance for the region's 63 national park sites in California, Ne- vada, Idaho, Oregon, Wash- ington, Hawaii and the Pa- cific Islands, as well as con- ducting studies of potential new national park units throughout the region. Crusius began her career working on planning and community-based conser- vation projects throughout the Mid-Atlantic States. She has worked in the Pacific West Region since 1989, initially providing conser- vation assistance to local communities through the Rivers, Trails and Conser- vation Assistance Program, and later managing plan- ning projects and super- vising planning staff. She served as acting Superin- tendent of Fort Vancouver National Historic Site in 2004. Crusius lives with her husband, Tom Lent, in the San Francisco Bay Area, however she is no stranger to winter, having grown up in the upper Midwest. They have a son who has flown the nest and lives in New England. In her free time, Crusius enjoys bicycling and hiking with family and friends. LASSEN VOLCANIC Park welcomes acting superintendent Crusius Tehama Sexual Assault Response Team, SART, is proud to be the chosen re- cipient organization for two benefit performances of Eve Ensler's award- winning play "The Vagina Monologues," scheduled for Feb. 17 and 18. The benefit perfor- mances will be presented by V-Day Tehama-Shasta, a local grassroots organi- zation that is part of an in- ternational mission to end violence against women and girls. The shows are sched- uled for 7:30 p.m. Friday, Feb. 17 at the Shasta Col- lege Theater in Redding, 11555 Old Oregon Trail; and 8 p.m. Saturday, Feb. 18 at the State Theatre, 333 Oak St. in Red Bluff. All proceeds stay local to benefit Tehama SART, a team of community mem- bers from several agencies committed to an organized and comprehensive re- sponse to sexual violence in the community. Its mission is to build com- munication and collab- oration among agencies serving sexual assault sur- vivors and ensure the coor- dination of a prompt, con- sistent and comprehensive multidisciplinary response to sexual violence. Performed by a dedi- cated local cast, "The Va- gina Monologues" is a col- lection of moving, often hi- larious, heart-wrenching stories that share a com- mon theme: the joys, chal- lenges and trials of being a woman. Attendees will hear stories from many aspects of the female ex- perience, with new mono- logues added each year. "The Vagina Mono- logues" delves into wom- en's sexuality, strengths, sisterhood and humor. A few monologues share the pain of rape, abuse and intolerance. The perfor- mance includes adult lan- guage and content and is intended for mature audi- ences; parental guidance is strongly advised. Attendees will be sup- porting Tehama SART, which will include sup- port for local medical ex- aminers who provide fo- rensic medical exams for survivors of sexual vio- lence, necessary equip- ment needed for the ex- ams, training for law en- forcement, examiners and advocates and ongoing re- covery-orientated services for survivors of violence in our community. Tickets for are $15 and can be purchased online at www.eventbrite.com or in person at Alternatives to Violence on Rio Street or Wink on Main Street. In Redding they can be pur- chased at Toucan Tans, 2012 Hilltop Drive. For more information, to buy tickets, donate or volunteer, call 528-0300 or write to TehamaSART@ yahoo.com. TEHAMA SART Eve Ensler's 'The Vagina Monologues' to be staged 604MainSt.,RedBluff Dine-InOnly11amto3pm Not valid with any other offers or special items. Cannot be used with any catering services. TACOTUESDAY All You Can Eat Taco Tuesday (Every Tuesday) Kids eat FREE Tuesday Chicken or Beef, Rice, Beans and all the fixings! $ 7.99 530-529-5154 NoJobToBigorTooSmall Now Offering Catering For Your Special Event Weinviteyoutocheckoutourwebsite for our complete menu & photos www.redblufflosmariachis.com per person 160AcresofremoteHeaven!WellsCreek Ranch once occupied thousands of acres and this 160 acre parcel was the home place. Wells Creek runs through property. With meadows & trees it's perfect for grazing and ranch activities. Private loceked gates. Outbuildings and older cabin. $250,000 propcode4759 741MainStreet,Suite#2,RedBluff,CA96080 1-800-287-2187 • (530) 527-2187 AT COLDWELL BANKER "WE SELL YOUR HOME LIKE IT'S OURS" OPEN 7 DAYS A WEEK FOR 24/7 PROPERTY INFO CALL 1-888-902-7253 AND ENTER THE PROPERTY CODE FROM THE AD Country home on 1/2Ac. Greenbelt behind house. 2 master suites. Cov- ered full length back patio. Recently upgraded central heat / air. Garage w/ storage & power. $198,000 prop code 4439 Unique home on almost 7 acres. Lg. master w/ private enctance. Tower office w/ panoramic views. Shop & RV Port. Rights to Los Molinos Irrigation. $295,000 prop code 4189 Great 2/2 home on 40Ac. Set back off King Road. Plenty of room for 4-H or FFAprojects, hobby orchard or vineyard. Open, flat useable land. Close to town, airport and EZ access to I-5. $335,000 prop code 4329 Lg. Ranch Style Home w/ barn, shop, & 4 car garage. Spacious 2,500+ Sq. Ft. 4 Bd home on 7 Acres. Large fenced area. Close to Sac River. EZ commute to Chico & I-5. $385,000 prop code 4199 1264 Jackson Street / SAT. FEB. 4th / 1 P.M. - 3 P.M. Nicely Updated and Charming Victorian Home. Covered Front Porch and WrapAround Deck. Newer Hardwood Floors & Oak Cabinets. Large Mud Room. Office / Den with Separate Entrance to Side Deck. Detached and Oversized Garage with Lots of Storage and Several Workbenches. PriceReducedto$155,000 prop code 4899 Beautiful Riverfront Home! Fantas- tic Master Suite with Spa Like Bath. Spectacular Kitchen with Granite and StainlessAppliances. Lg. Covered Patio in a Beautiful Park Like Set- ting. Bonus Basement accompanies this Exceptional Home and Property! $575,000 prop code 4889 Beautiful, Spacious and Well Cared for Home. Well appointed Kitchen w/ Lots of Storage located next to Laun- dry Room & Garage. Covered Back Patio, GardenArea, & Room for RV Parking. $192,000 prop code 4929 Charming 2 Bd. Home close to town & schools. New Cascade dual pane windows. Large yard. Big coun- try-style kitchen. Indoor laundry room. Built-ins for your linens & tow- els. Gated in front. Huge back-yard. $83,900 prop code 4909 5+Acres of Oasis Like Property Just a few minutes South of Red Bluff. Up- scale 4 Bd. 3 Ba. 3,000 Sq. Ft. Home. Lg. Resort Like Outdoor Living & Pool Area. Completely Fenced Back Yard for Pets & Privacy. $495,000 prop code 4839 3 Living Units on over 18Acres.A 2/2, a 1/1, and a Mfg Home. 2 Sep- arate Septic Systems & Separate PG&E Meters. El Camino Water Dis- trict Irrigation.Ag / Storage Building. $265,000 prop code 4649 34Acres of Rolling Hills, Oaks & Outstanding Mountain Views. Fenced and cross fenced parcel. 24 x 80 Custom Barn w/ Power & Water. Six 12 x 16 stalls, & 20 x 24 Enclosed Storage/Tack room.Ag meter on the well. Covered Front Porch on this 2 story custom 2,045 sq ft home. Huge Laundry Room. Full Length Back Patio. $550,000 prop code 4729 Peaceful & Quiet Home on over anAcre. Open Floor Plan. Vaulted Ceilings. Newer Interior and Exterior Paint. Nice Deck for BBQ's. Boat / RV Parking w/ Full Hook Ups. $169,900 prop code 4549 This cute 2 Bd. 1 Ba. is the perfect starter home! Very Versatile layout. Large Back Yard and Detached Garage. Newer Foundation, HVAC & Windows. $125,000 prop code 4589 3 Bd. 2 Ba. Home on 1/2Acre w/ Dbl Garage. Gourmet Kitchen, Open Floor Plan, Spacious Master Bd, Indoor Laundry, Covered Patio & Lg. Private Yard. Located in Redding. $225,000 prop code 4679 Exceptional 4 Bd. 3.5 Ba. Solar Effi- cient Home, Pool, & 30x50 Shop. 2 Master Bedrooms, 2 Offices, Full RV Hook Ups, and Electric Gated Entry. All on over 12Acres. $650,000 prop code 4429 Multi- purpose 40AcreApple Ridge Ranch. 3 Acre stocked pond w/ 14 miners inch deeded water rights yielding 126 GPM. 2,500 gal water tank w/ filtration system & on demand pumps. 115 apple tree orchard, barn w/ 12x14 cold storage unit, work shop, riding arena, under- ground propane, newly planted & irrigated 650 Ponderosa Pine grove. Electronic gated entry & varied wild life. Views from wrap around deck. $595,000 prop code 4959 4 Parcels totals 374Acres. Ideally located just a few miles from I-5. Power boarders at several loca- tions. The majority of this property is usable with nice pond and beautiful building sites. Many oaks and open grazing. This property has a lot to offer. $799,000 prop code 4109 Home of the Imperial Gold Mine. 120 Ft. shaft w/ 6 tunnels. 35,000 tons of head ore next to ball mill in excellent condition. 3 holding ponds. Well tim- bered & patented mine. $3,000,000 prop code 4429 Almost 1,800 Sq. Ft. home on 2 Acres. Country setting, landscap- ing, & owned alternative energy. $700,000 prop code 4519 8.6 flat acres in El Camino Water District. Currently growing winter wheat. Southern boundry follows Truckee Creek. Seasonal Pond. $85,000 prop code 4739 Nice view parcel at the end of a cul- de-sac. Driveway, pad, septic & well in. With new county regs regarding new wells on vacant land, this is a rare opportunity. $100,000 prop code 4389 135 acre parcel for residential & commercial development. Excel- lent I-5 access and visibility and is suitable for mixed use development. Could also be ranch with incredible western views with several home sites. $320,000 prop code 4099 Unique home on almost 9Ac. Lg. Master w/ Private Entrance to Tower Office. Shop, RV Port & Rights to Los Molinos Irrigation. $375,000 prop code 4459 Three parcel's totaling 480Acres. Several fresh water springs and an older restorable cabin.All behind locked gate. $400,000 prop code 4769 2 Bd. 2 Ba. one owner home on 14 acres of producing walnut trees w/ Ag well & irrigation. Detached shop w/ bathroom. $450,000 prop code 4779 OPEN HOUSE Spacious Country Living in this 4 Bd. 3 Ba. Home. 2 Master Suites, Vaulted Ceilings & StainlessAppliances, & Office w/ Built In Storage.Attached 3 Car Garage w/ 4th Bay, 2 Covered Rear Patios, In Ground Pool, & Shop w/Attached Storage. Easy Commute to Red Bluff or Chico in the Lassen View School District. $363,000 CALIC#778199 GERBER 385-1153 HINKLE ROOFING & CONSTRUCTION, INC www.gummsoptical.com (530) 527-2510 1-800-481-LENS (5367) 910MainSt.,SuiteC,RedBluff Quality•Service Style Bring your Eyeglass prescription to us. We'llSpoilYa!!" Regular Haircut $ 2 00 off KWIK KUTS FamilyHairSalon 1064SouthMainSt.,RedBluff•529-3540 ANY RETAIL PRODUCT 20 % off withanychemicalserviceof $50 or more Notgoodwithotheroffers Expires 2/28/17 With coupon Reg. $13.95 STOVEJUNCTION The TheNorthState'spremiersupplierofstoves 22825 Antelope Blvd., Red Bluff 530-528-2221 • Fax 530-528-2229 www.thestovejunction.com Over 25 years of experience Tues-Sat9am-5pm• ClosedSun&Mon Now Carrying! GreenMountainGrills & Accessories Serving Butte, Glenn & Tehama Counties Smog Check (MOST CARS & PICK-UPS) 527-9841 • 195 S. Main St. starting at $ 29 95 + $ 8 25 certificate Shop Equipped With 4SmogMachines For Fast Service No appointment Needed 25yearsprofessional experience. QualityWork Very Reasonable Rates Red Bluff Transmission • Automatic • Manual • Computer Diagnosis • Clutches • Transfer Cases • CV Axles CALL TODAY! 529-4493 440 Antelope Blvd. #6 Bob's Youcantmissus... Weonly moved 50 feet!! LIFESTYLES » redbluffdailynews.com Friday, February 3, 2017 MORE AT FACEBOOK.COM/RBDAILYNEWS AND TWITTER.COM/REDBLUFFNEWS A5