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Saturday, July 3, 2010 – Daily News – 3A To add an upcoming event in the Local Calendar, submit Local Calendar information well in advance to the Daily News, attention Calendar, P.O. Box 220, Red Bluff, 96080 or e-mail to clerk@redbluffdailynews.com. Include a contact name and telephone number. SATURDAY, JULY 3 Red Bluff Farmer’s Market, 8 a.m. to noon, Red Bluff River Park, 527-6220 SUNDAY, JULY 4 Red Bluff Fourth of July Celebration,activities start at 3 p.m. with Kids Water World, celebrity lawn mower racing 5 p.m. and grandstands open 6:30 p.m. at Tehama Dis- trict Fairground, fireworks at 9:45 p.m. Knights of Columbus All-You-Can-Eat Break- fast, 7:30 a.m. to noon, $4 or $10 per family, Sacred Heart Parish Hall, 2285 Monroe St., 527-6310 Multi-denominational worship service, 10:30 a.m. to 3 p.m. in River Park WHEEPicnic and Prayer Circle, 4:20 p.m., 22116 Riverside Ave. Corning Evangelist services, 7 p.m., Family Bible Church, 609 Marin St., 824-9989 Los Molinos Fourth of July Parade,10 a.m.with Play Day activ- ities to follow in County Park Mineral/Mill Creek Mineral/Mill Creek Volunteer Fire Department Pancake Breakfast, 8-11 a.m., Mill Creek Resort, Hwy 172 Lassen Forest in Mill Creek. $5, adults, $3 children 12 and under, 200-2374 MONDAY, JULY 5 Red Bluff Al-Anon, 6 p.m., Presbyterian Church, Jefferson and Hickory, additional meetings noon and 6 p.m. Wednesdays, 6 p.m.Fridays Head Injury Recreational Entity, 10 a.m., St. Eliz- abeth Community Hospital, Coyne Center, Rusty, 529- 2059 Key to Life, 6 p.m., Family Resource Center, 220 Sycamore St. Ste. 101, 528-8066 Red Bluff Community Band Concerts in the Park, 8-9 p.m., Red Bluff River Park, 527-3486 Salvation Army Writing Class, 9:30-11 a.m., 940 Walnut St., 527-8530 Sons in Retirement, 11:30 a.m., Elks Lodge, 529- 5700 Sun Country Quilters Community Service Group, 9 a.m.to 3 p.m., Family Resource Center, 220 Sycamore St. Ste. 101, 528-8066 Corning Narcotics Anonymous, 7 p.m., 815 First St., 385- 1169 or 566-5270. Meetings are every day through Saturday with an additional meeting at noon Mondays Sewing class, 9 a.m., Family Resource Center, West and South streets, 824-7670 Spanish Adult Education, 5 p.m., Family Resource Center, West and South streets, 824-7670 Strategies for Success, Life Skill classes, 1:30 p.m., Family Resource Center, West and South streets, 824-7670 Los Molinos Senior Dance,7 p.m., Los Molinos Sr. Social Club, Senior Center, Josephine St. TUESDAY, JULY 6 Red Bluff BloodSource BLood Drive, 3:30-7 p.m., The Church of Jesus Christ Latter-day Saints Cultural Hall, 545 Berrendos Ave., 866-822-5663 or bloodsource.org City Council, 7 p.m. City Hall, 555 Washington St. PAL Kickboxing, 4 p.m., 1450 Schwab St., 529- 8716 or 200-3950 Playtime Pals Playgroup, 9:30 a.m., Family Resource Center, 220 Sycamore St. Ste. 101, 528- 8066 Red Bluff Rotary, noon, Elks Lodge Tehama County and Red Bluff Landfill Manage- ment Agency, 8 a.m., board meeting, 727 Oak St. Tehama County Board of Supervisors, 10 a.m., board chamber, 727 Oak St. Tehama County Patriots, 6 p.m., Trinity Land- mark Missionary Church, 20920 Hampton Rhodes Drive Corning Corning Community meeting, 7 p.m., May- wood Middle School, 1666 Marguerite Ave. Corning Recreation Commission, 7:30 p.m., City Hall, 794 Third St. Red Cross Disaster Volunteer meeting, 6 p.m., Corning Fire Department, 814 Fifth St., 800 934-5344 Spanish Adult Education, 1:30 p.m., Family Resource Center, West and South streets, 824- 7670 Los Molinos Los Molinos Cemetery District, 8:30 a.m., 7835 Highway 99E Bingo, 4:30 p.m. dinner, early birds 6:15 p.m., regular session 6:30 p.m., Veterans of Foreign Wars Hall, 7900 Sherwood Blvd., 384-2738 Pick a Rib with Us Daily Specials Jack the Ribber All you can eat ribs $ Friday Night Rib Dinners 1400 1150 Monroe St. 527-6108 How bank accounts of the future will cost you Once upon a time, the banks wanted your business so badly they actually gave you a free toaster as an incentive to make a deposit. That's a time few remember -- a tale told by elders to amuse the younger generation. It's one thing to stop giving incentives; it's quite another to start charging you for the privilege of depositing your money. Yet that's just what's around the corner -- the end of free checking, free cashier's checks and the pittance of interest you might be getting if you leave a balance in your checking account. In its place, you could find yourself paying fees for everything from "inac- tivity" to debit transactions. You'll have to consider a com- plex series of tradeoffs in order to stash your money safely and conve- niently in a checking account. For example, you could be required to keep a significant bal- ance in your checking account to avoid a $15 monthly fee. That means "hiding" your true balance from yourself with an extra $500 or more sitting in an account that doesn't earn interest. Or you might have to have your paycheck or Social Security check direct-deposited to avoid a monthly fee. Or consolidate your bills by paying your utilities using your credit card -- so you only have one or two large checks to write every month -- in order to avoid fees for excess checks. Depending on your bank, direct debit of mortgage pay- ments or car loan payments could keep you under the fee-paying transaction limit. The point is that you'll have to pay attention and be creative to save money on something you used to take for granted. The banks are just getting even for the recent laws that limit over- draft and late fees on checking and credit cards. It's been estimated that it costs from $250 to $300 a year for a banking institution to maintain your account. And if the spend- thrifts aren't going to pay the extra costs they incur, then the charges will be spread to those who scrupu- lously avoid overdrafts, use debit cards and always pay their credit card bills on time -- and even in full. Credit-card issuers are seeing charge-offs in the double-digit range -- and someone has to make up for the bil- lions that are written off amidst soaring consumer bankruptcies. Now those substantial costs are being passed along to all of us. The end of "free checking" is only the first step. The next step is to do away with paper complete- ly -- or pay a fee. credit card, accumulate miles or points and then pay the bill from your account. Be aware of the num- ber of checks allowed each month and the minimum dollar amount per check. • Use your debit. Right Terry I've long suspected that once they got all of us paying bills online, they'd start charging for that service, too! We're saving them money if they don't have to process paper checks, so we should actually be rewarded. But this is not about reason -- it's about recouping the costs of doing busi- ness. Savage The Savage Truth on Money Is there anything you can do to fight back against these charges? Here are a few suggestions: • Consider credit unions or community banks. You may have overlooked these smaller insured institutions, which have the capabil- ity of being more flexible and offer- ing personal service. The tradeoff for lower fees or free checking is that they may not have a wide net- work of ATMs. If you make fre- quent withdrawals, the fees could cost you more each month than a charge for maintaining a checking account. • Use a money market mutual fund. Most of these accounts are invested in short-term government securities, so they are very nearly as safe as bank money market deposit accounts. They allow you to write a limited number of checks each month at no cost. So you can charge all your smaller purchases on your now, banks are only con- sidering a charge every time you use your debit card. But they're fighting against proposed financial reforms that would cut the merchant fees they get when you use your debit card. If those fees are cut, banks may start charging you for using your card. But in the meantime, debit is efficient and a good way to avoid writing paper checks. • Roll over a portion of your IRA. You probably have some of your IRA in a conservative money market account with your mutual fund company. If you roll over just that portion of your IRA to a bank CD IRA, you may have a large enough balance of deposits at your bank to avoid fees completely. What's really important now is that you read all those fine print notices that come in your billing statement. They're hoping to slide the new fees past you -- and hoping that you'll think it's too complicated to change things like automatic payments or direct deposits so you won't move your account. But if enough of us complain, you can be sure that some creative bank marketing director will create an ad hailing the return of "free checking" to attract deposits. Don't count on any toasters, though. And that's the Savage Truth. Terry Savage is a registered investment adviser and is on the board of the Chicago Mercantile Exchange. She can be reached at www.terrysavage.com. She is the author of the new book, "The New Savage Number: How Much Money Do You Really Need to Retire?" Forest officials urge caution with fireworks Shasta-Trinity National Forest fire officials remind area residents and visitors to be careful with fire and fireworks when they celebrate Independence Day. “We’ve made the transition into fire season and there is always a risk of igniting a wildland fire with fireworks, an untended campfire or even hot exhaust,” Arlen Cravens, fire management officer for the Shasta-Trinity National Forest, said. “Forest visitors need to be extremely careful when camping, driving in the backcountry and cut- ting fire wood.” Cravens stressed that the posses- sion and use of all fireworks – including those approved by the Police reports The following informa- tion is compiled from Red Bluff Police Department, Tehama County Sheriff’s Department, Corning Police Department and California Highway Patrol. Arrests • Stephen Michael Ranta, 26, of Brentwood was arrested Thursday evening at northbound Interstate 5, north of Flores Avenue. He was booked into Tehama County Jail on the charges of possession and trans- portation of a controlled substance, driving under the influence of drugs or alco- hol. Bail was set at $37,500. • Steven Eric McCabe, 32, of Los Molinos was arrested Friday evening in the 8600 block of Shasta Boulevard. He was booked into jail on the charges of willful cruelty to child: pos- State of California – are illegal on national forests. Check with your local fire department or law enforcement about city and county regulations. Residents and visitors are encouraged to attend free fireworks displays around the county includ- ing at Weaverville’s Lowden Park on July 3, the Redding Convention Center on July 4 and over Lake Siskiyou in Mt. Shasta City on July 4. Unless you are in a developed recreation area — campground or picnic area — you must obtain a free California Campfire Permit if you plan to build a campfire or use a stove. Permits are available at sible injury or death and fail- ure to appear. Bail was set at $27,720. • Eric Raymond Eagle Ysit, 19, of Red Bluff was arrested Thursday morning in the area of Vista Way and South Jackson Street. He was booked on the charges of minor driving with a blood alcohol content of 0.05 percent and willful cru- elty to a child: possible injury or death. Bail was set at $12,500. Counterfeit • Someone reported Thursday at a residence in the 300 block of Jackson St. that they had received a counterfeit postal money order in the mail. Fire • CalFire responded to a quarter-acre grass fire caused by a lawn mower at 12:37 p.m. Friday on Far- quhar Road, near Evergreen Road. The fire was con- tained at 1 p.m. and CalFire cleared the scene at 2:21 p.m. Theft • Someone broke into the Evergreen Middle School locked bus yard and stole a radio, worth $300, and other items from an unlocked bus. The theft is believed to have occurred between Monday and Thursday. Violence • A 16-year-old Red Forest Service, Bureau of Land Management or CalFire offices. Those planning camping trips should also follow basic fire safety tips: Keep campfires small and com- pletely extinguish them before leav- ing camp. The best method is to douse the fire with water, stir the ashes and douse again, making sure that all ashes are cold to the touch. Charcoal should be soaked in water after use. Those exploring the forests and backcountry in vehicles should stay on established roads and trails and avoid driving over dry brush and grass that could be ignited by hot exhaust systems. Bluff girl reported Thursday about 1 p.m. that she had been a victim of a sexual assault. The suspect is known to her and the case is under investigation. • Someone reported at 7:36 p.m. Thursday a fight at Diamond Park in which one subject had a baseball bat. Two men involved were last seen leaving in a gold Saturn heading toward South Main Street. The vic- tim was seen leaving in a red Dodge Neon also heading toward South Main Street. •A disturbance involving four to five people including one who was hitting a white car with a baseball bat was reported Thursday evening in the area of Mulberry and Round-Up avenues.