Issue link: http://www.epageflip.net/i/790023
CorningHealthcareDis- trict appointed a new di- rector, Lilia Rodriquez, who has worked for Quest Diagnostics for more than years. The district's residents will benefit from the fact that Rodriquez is bilin- gual as she will be able to interpret the meetings for any Spanish speakers who attend. "I have always been in- terested in health," Rodri- guez said. "I love my job working for Quest Diag- nostics. I enjoy meeting and helping people. As a director on the Corning Healthcare District, I can help in other practical ways by being part of bringing more health services to our area." The district also cel- ebrated Heart Health month by hosting a Corn- ing in the Evening Mixer with a Celtic twist. The theme was Healthy Hearts and Rancher's Meat and Deli catered the event. Mu- sic featured Chad Macfar- lane playing the dulcimer. Macfarlane shared with the audience a little of the history of the instrument. "No one is sure where the instrument originated," Macfarlane said. "In Brit- ain it is called the dul- cimore, in Germany the scheitholt , in Thailand a khim." Bobby the Butcher Bull made a guest appearance at the event and went home with Dale McFall, the new chamber pres- ident. Don Holden de- signed and made the wooden bull. Guests were invited to take photos of themselves in a gigantic valentine, also designed and made by Don Holden. A large bird house and other door prizes were taken home by attendees. CORNING Rodriquez named director at healthcare district CONTRIBUTED Chief Curator Darrell Mullins, le , and his brother Brad Mullins created a working model of flumes, including running water. The Tehama County Mu- seum will open its doors for the season on Saturday, Feb. 25. Due to the high level of public interest in last year's exhibit on the flumes of Tehama County, Flumin' the Hogback, Chief Curator Darrell Mul- lins has decided not to re- place it — at least for the time being. "We've had so many in- terested people visit the exhibit who either worked in the timber industry or lived in the areas of Te- hama County served by the flumes that brought lumber from the moun- tains to the valley, we just couldn't replace it yet," Mullins said. "The exhibit has many historic photo- graphs of the area with ex- planatory information to support the eye-catcher, which is a re-construction of a section of flume that is central to the exhibit. It's really worth a visit to the museum." Additional museum ex- hibits cover the history of the county from fossils to forestry, from cattle to the Civil War and from Tuscan Springs to Ishi. The museum is at 275 C St. in the city of Tehama and will be open to the public 1-4 p.m. every Sat- urday. Special tours can be arranged for just about any time by calling 385-2595 or writing to tcmuse@te- hama.net. TEHAMA COUNTY Museum readies for upcoming season "I e nj oy m ee ti ng a nd h el pi ng p eo pl e. A s a d ir ec to r o n th e C o rn in g H ea lt hca re D is tr ic t, I c an h el p i n o th er pr ac ti ca l w ay s b y b ei ng p ar t o f b ri ng in g m o re h ea lt h se rv ic es t o o ur a re a. " —L il ia R odr iq ue z Whether you know your credit score or not, by now you are aware that you have one and that po- tential lend- ers, insur- ance pro- viders and others use that three- digit number to evaluate your creditworthiness. But there's another number that is just as im- portant for evaluating your financial situation. In fact, it's a number that you can calculate yourself any- time. Your debt-to-income ra- tio, which is expressed as a percentage, is a simple way of showing how much of your income is available for a mortgage payment af- ter all other continuing ob- ligations are met. This ratio is one of the many things a lender considers before ap- proving a home loan. If you've shopped for a mortgage loan, you've likely noticed loan debt limits referred to as the 28-36 qualifying ratio. Those numbers refer to two percentages that are used to examine two as- pects of your debt load. The first number, 28 percent, indicates the max- imum percentage of your monthly gross income that the lender allows for hous- ing expenses. It includes payments on the loan prin- cipal, loan interest, taxes and insurance (often re- ferred to by the acronym PITI) plus private mort- gage insurance (which is typically required if you will start with less than 20 percent equity in the home) and homeowner's association dues. The second number (36 percent) refers to the max- imum percentage of your monthly gross income that the lender allows for hous- ing expenses plus recur- ring debt. Recurring debt includes credit card pay- ments, child support, car loans, student loans and other obligations that will not be paid off within a relatively short period of time, typically six to 10 months. Here's an example: A yearly gross income of $45,000 divided by 12 months equals a $3,750 monthly income. The $3,750 monthly income multiplied by 0.28 equals $1,050 allowed for housing expenses. The $3,750 monthly in- come multiplied by 0.36 equals $1,350 allowed for housing expenses plus re- curring debt. Then, $1,350 minus $1,050 leaves only $300 per month to cover all debts other than mort- gage. This explains why families with big student loans plus credit card debt often cannot qualify to buy a home with conven- tional financing. Federal Housing Ad- ministration loan ratios are typically 29-41, allow- ing a higher debt load for both housing expenses and recurring debt. For a Department of Veter- ans Affairs loan, the debt- to-income ratio should not exceed 41 percent of household monthly gross income. Staying within the lend- er's debt-to-income ra- tio limit is only one part of qualifying for a home loan. However, most lend- ers do have some leeway. If the overall picture looks good and the borrowers' average credit score num- ber is high, a lender may allow the borrower to carry more debt or sug- gest alternatives, like a larger down payment or a loan co-signer (though a co-signer is never recom- mended by your humble columnist, as it is danger- ous for both the co-signer and the co-signee). It's always best to be pre-approved before you begin house shopping. Now you know what your debt-to-income ratio is, which will help you deter- mine a house you can real- istically afford. Would you like to send 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. EVERYDAY CHEAPSKATE Anumberasuseful as your credit score Lake Oroville State Rec- reation Area is scheduled to partially reopen at 8 a.m. Thursday. Areas surrounding the Thermalito Diversion Pool — Burma Day Use and Lakeland Day Use — and Spillway Launch Ramp will remain closed. This in- cludes those portions of the Dan Beebe and Brad Free- man trails leading from the SRA's Visitor Center to the city of Oroville. To develop its plans, Cal- ifornia State Parks con- sulted with the Depart- ment of Water Resources, California Highway Patrol, Cal Fire and Butte County Sheriff's Office on potential safety issues. Areas near the spillway where construc- tion is underway remain off-limits to the public. California State Parks closed the state recreation area Feb. 13 to all uses, with the exception of the visitor center, north and south fore- bays in order to avoid safety and interference issues as crews work to strengthen the dam's emergency spill- way and remove debris from the channel below the main spillway. Campgrounds were closed to accommodate re- questsfromotheragencies— includingtheNationalGuard and Cal Fire — involved in the dam spillway work. To confirm public acces- sibility of Lake Oroville rec- reational opportunities, call the Lake Oroville Visitor Center at 538-2219. LAKE OROVILLE Recreation Area to partially reopen Mary Hunt 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!!" 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