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The Red Bluff-Tehama County Chamber's free Quarterly Business Train- ing in March will be Pricing Your Products & Services To Maximize Profit, sched- uled for 9-11 a.m. Thursday, March 9, at Holiday Inn Ex- press & Suites, 2810 Main St. Red Bluff. Too many business own- ers do not understand how to price their products and services. Learn how to make money for your business by making sure you have the proper price for your prod- ucts and services. You will learn how to use fixed and variable costs, and materi- als, labor and overhead costs in your pricing strategies to meet your profit require- ment; track results based on outcome and measurable goals;anddevelopsalesfore- casts to increase profit. Ronn Van Dusen is the ex- cellent Butte College Small Business Development Cen- ter trainer. For registration, call 895- 9017 www.bcsbdc.org. Networking Good Morning, Red Bluff networking is scheduled for 7:50-9 a.m. Thursday, Feb. 23 at the new Crown Clean- ers, 945 S. Main St., in the Raley's shopping center next to Game Stop. Come out for this excel- lent event and sample some great food. We hope to see everyone at Good Morning, Red Bluff, the most popular network- ing event in the county, so wecanlearnmoreaboutyou and your business or orga- nization. Pleaseinvitefriendsoras- sociates to join you. Expo a hit The 2017 Business Expo And Mixer, or BEAM, was a wonderful success. Wow what an evening. So many vendors and people from the community it was fantastic. We gave out a lot of prizes to many people in the grand prize the 55-inch flatscreen television went to Lilly Parker. Congratulations to all the vendors who did an ex- cellent job and thank you to the public that came and visited us all night long — it was our biggest event yet. A special thanks to the Community Center; Erin and Chris did it tremen- dous job. Thank you Red Bluff and Tehama County residents for coming out, showing great support of your local businesses and organiza- tions. A special thanks to all our sponsors: Red Bluff Dodge, Studio 530 Photography, The Palomino Room, Red- ding Distributing Co., MnS Web Design and Green Waste of Tehama County A big thank you to all our vendors: AAA NCNU, Andy Houghton Insurance Agency, Big Time Pest Con- trol, California Highway Pa- trol, CETUSA: Council for Educational Travel, USA, Costco Wholesales #133, Creative Parties Trunk Jew- elry, Cricket Wireless, Dam- sel in Defense, Dr. Sheva Nickravesh DDS, PC, Ex- press Employment Profes- sionals, Green Waste of Te- hama County, Halcyon So- lar, Hearts 4 Health, Kenn Rieders MBA, Kremer Fam- ily Chiropractic, Lariat Bowl, Mary Kay Cosmetics, Mary Shaffer, Legal Doc. As- sistant, Mercy High School, MnS WebDesigns, Modern Cleaners, North Valley Ser- vices, Northridge Eye Care, Northstate ProfessionalNet- work, PATH, PETS, Palo- mino Room Texas BBQ, Pa- parazzi Accessories,Pegasus Lane Sewing Studio, Plexus, Prime Cinemas Red Bluff, PrimeLending, Quality Safety Fire & Extinguisher, Red Bluff Chamber of Com- merce, Red Bluff Com- munity Center, Red Bluff Dodge, Roberson Embroi- dery, Robin Fleming Insur- ance Agent, Sally's Garden, Sears Hometown Store — Red Bluff, Servpro of North Shasta, Trinity and Greater Tehama counties, Shasta College Tehama Campus, Shasta.com,SHINE,St. Eliz- abeth Community Hospital, State of Jefferson Firearms Training, Studio 530 Pho- tography & Custom Fram- ing, Sunrise Rotary of Red Bluff, Tehama County Com- munity Concert Association, Tehama County Employer's Advisory Council, Tehama County Library, Tehama County Solid Waste Man- agement Agency, Tehama Fireworks Committee, Te- hama Tire Service, Inc., Te- hama Together, The Spa Downstairs, Tri Counties Bank, Umpqua Bank Red Bluff, Utility Telecom, Valley Vet Clinic, Vitality Yoga & Fitness Studio, Wells Fargo BankandWildlifePestMan- agement & Bat Control Spe- cialist Great job by Jason, Na- thaniel the Board of Direc- tors of the Chamber and the Chamber Ambassadors. Round-Up events The chamber announces the 63rd Round-Up Parade theme for this year is "This Ain't My First Rodeo." The parade will be at 10 a.m. Saturday, April 22. Reg- istration deadline April 10. Congratulations to this year's Grand Marshals the Clay and Lilly Parker. Sign up for the Round- Up Parade online www.red- bluffchamber.com or at the Chamber office 527-6220. The Cowboy Golf Tour- nament is set for 9 a.m. Fri- day, April 21 at Wilcox Oaks Golf Club. Sign up online for the Cowboy Golf Tournament at www.redbluffchamber.com or by calling 527-6220. Chili Cook-Off merchan- dise vendors sought. Do you have something to show or sell? How about signing up for the Chili Cook-Off as a vendor? The event is on Washing- ton Street in downtown Red Bluff on Saturday, April 15. For more vendor informa- tion, call 527-6220. Chili questions, please call 527-8748. REDBLUFFCHAMBER Le ar n ho w to p ri ce y ou r pr od uc ts a nd s er vi ce s All Dutch Bros locations will donate $1 from every drink sold Tuesday, Feb. 14, to local food organizations as they continue to provide nutritious food to commu- nity members in need. "We are excited to cel- ebrate Valentine's Day by showing our communities love," said Travis Boersma, co-founder. "Dutch Luv Day is a day we are able to come together as a com- munity to serve people who are in need of food." Funds will support these organizations as they continue to fight hun- ger in within their commu- nities. All locations are lo- cally owned and operated giving each franchisee the opportunity to support or- ganizations that are posi- tively impacting commu- nity members. "No man, women or child should ever be forced to go without a meal, or have to chose between pay- ing utilities bills or pur- chasing food," said Travis. "These local organizations that we have the opportu- nity to partner with on Dutch Luv Day are work- ing towards a common goal — to eliminate hun- ger in our communities." DONATION Coffee seller to support community's food banks If you're just starting out in your career, you will need to be prepared to face some financial challenges along the way — but here's one that's not unpleas- ant: choos- ing what to do with some extra dis- posable in- come. When this happens, what should you do with the money? Your decisions could make a real difference in your ability to achieve your im- portant financial goals. Under what circum- stances might you receive some "found" money? You could get a year-end bonus from your employer, or a sizable tax refund, or even an inheritance. However the money comes to you, don't let it "slip through your fingers." Instead, con- sider these two moves: in- vesting the money or using it to pay off debts. Which of these choices should you pick? There's no one "right" answer, as everyone's situation is dif- ferent. But here are a few general considerations: Distinguish between "good" and "bad" debt. Not all types of debt are cre- ated equal. Your mortgage, for example, is probably a "good" form of debt. You're using the loan for a valid purpose — i.e., living in your house — and you likely get a hefty tax deduction for the interest you pay. On the other hand, nondeductible consumer debt that carries a high interest rate might be considered "bad" debt — and this is the debt you might want to reduce or eliminate when you receive some extra money. By doing so, you can free up money to save and invest for retire- ment or other goals. Compare making ex- tra mortgage payments vs. investing. Many of us get some psychological benefits by making extra house payments. Yet, when you do have some extra money, putting it toward your house may not be the best move. For one thing, as mentioned above, your mortgage can be considered a "good" type of debt, so you may not need to rush to pay it off. And from an in- vestment standpoint, your home is somewhat "illiquid" — it's not always easy to get money out of it. If you put your extra money into tra- ditional investments, such as stocks and bonds, you may increase your growth potential, and you may gain an income stream through interest payments and div- idends. Consider tax advantages of investing. Apart from your mortgage, your other debts likely won't provide you with any tax benefits. But you can get tax advan- tages by putting money into certain types of in- vestment vehicles, such as a traditional or Roth IRA. When you invest in a tra- ditional IRA, your contri- butions may be deductible, depending on your income, and your money grows on a tax-deferred basis. (Keep in mind that taxes will be due upon withdrawals, and any withdrawals you make be- fore you reach 59½ may be subject to a 10% IRS pen- alty.) Roth IRA contribu- tions are not deductible, but your earnings are dis- tributed tax-free, provided you don't take withdrawals until you reach 59½ and you've had your account at least five years. Clearly, you've got some things to ponder when choosing whether to use "extra" money to pay off debts or invest. Of course, it's not always an "either- or" situation; you may be able to tackle some debts and still invest for the fu- ture. In any case, use this money wisely — you weren't necessarily counting on it, but you can make it count for you. Thisarticlewaswrittenby Edward Jones for use by your local Edward Jones Financial Advisor. Tyler Smail is a financial advisor for Edward Jones, his office is located at 733 Washington St. in Red Bluff. He can be reached at 529-3627 or tyler. smail @ edwardjones.com. FINANCES What'ssmarter,payingoffdebtsorinvesting? Taylor Smail CONTRIBUTED Pictured is the crowd from the Feb. 9Business Expo And Mixer. "Dutch Luv Day is a day we are able to come together as a community to serve people who are in need of food." — Travis Boersma, co- founder wwwnortherncountiesroofingsystems.com FreeEstimates 530-356-0686 Owner on site Lic# 955662 • Residential • Commercial • New Construction 954Highway99W,Corning,nexttoRabobank 530-824-0954 "Proudofourlocalroots" Open Saturdays Easy prescription transfer ---- Special orders welcome 645AntelopeBlvd.Ste15 RedBluff,Ca96080 Araceli Gutierrez Life * Health * Prosperity 530-366-6195 agfinancial.php@gmail.com Vida * Salud * Prosperidad 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!! 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