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2A – Daily News – Friday, July 23, 2010 Community people&events Graduate Teaching kids how to play fair with money Q: I'm sending my daughter off to college, and I'm worried about her ability to handle finances if we give her a lump sum of money. But she won't hear of a monthly allowance! Any ideas? A. This is the moment where all of the lessons she has learned about money will be tested. Some of those were things you taught her by example, and it's always inter- esting to see how that plays out when kids are entrusted to make their own money decisions. The time has come to offer her that respect -- but it doesn't mean you can't structure things to avoid disaster if temptation overwhelms common sense when she's away at college. Here are three "Terry's Tips" that might make things easier. 1) Get her a "reloadable" debit card. Courtesy photo Katie Wilson Chiavarone graduated summa cum laude from New York University with a Masters degree in Educational Psychology. Katie, daughter of Steve and Ann Wilson of Red Bluff is a 2003 graduate of Mercy High School and 2007 graduate of Domican University in San Rafael.She is employed at the Eden Institute for children with autism in Princeton NJ. SECRET WITNESS 529-1268 A program of Tehama County Neighborhood Watch Program, Inc. Setting it straight An item in Thursday’s edition about an electron- ic waste collection campaign contained unclear scheduling information. The collections will be held 8 a.m. to noon, July 31, Aug. 28, Sept. 25, Oct. 30, Nov. 27 and Dec. 18. There was an error in Thursday’s article “Gearing up for fire season.” There were four engines from Tehama County and two from Shasta County. The Daily News regrets the errors. –––––––– It is the policy of the Daily News to correct as quickly as possible all errors in fact that have been published in the newspaper. If you feel a factual error has been made in a news story, call the news department at 527-2153. It works just like a credit card, but the spending is limited to the amount you put into the account. You can set those transfers on a monthly basis, explain- ing that you live on a monthly budget, and she'll have to do the same. That won't quite sound like an allowance. If your bank doesn't offer this kind of card, go to www.VISABuxx.com and use one of the banks listed there. They'll offer transfer privileges from your checking account into her debit card account. The best thing about using the VIS- ABuxx service is that each of you can access the account online in real time - - checking to see where the card was used -- either for a purchase or a cash withdrawal. Remind her that this is the only "credit card" she'll need. This year, with the new protections of the CARD Act, there will be fewer offers of credit cards to college students. If they are under 21, they will need a parental co-sign- er or be able to prove that they are financially indepen- dent. But it won't hurt to warn her anyway about the perils of credit card debt. With her debit card, she can't build up a balance and won't be charged interest. And if you set it up proper- ly, the bank will decline any purchases or cash withdrawals if there isn't money in the account. 2) Create a realistic bud- get, and update it when she comes home in the fall or for Thanks- giving. Check the college Website and find out how much books and supplies are likely to cost for the semester. Know the requirements for bedding and linens, so you can send her to school with all the basics, leaving no excuse for last-minute expensive pur- chases near campus. If she's receiving a scholarship or student loans or income from a work-study program, set up a plan. When a big check arrives, it's tempting to spend it too soon. You might set up a second deposit account for money from these sources that is not paid directly to the school bursar. 3) Introduce your daughter to Mint.com. This is an online money- tracking system, offered by the company that created Quicken. It's free and easy to use -- and very much geared toward this generation. If she's really into organization, then she'll be tracking her spending by category and getting text messages when the balance in her account is running low. Terry Savage Savage Truth on Money Mint.com will also let her sign up for a warning service on unusual purchases, to help her avoid being the victim of identity theft. Perhaps best of all, Mint.com is easily acces- sible with apps for either iPhone or Android phones. There's also advice regarding credit card use and budget- ing. This site will be useful as she moves beyond college and starts budgeting an income and even investing. She may not think it's "cool" if you direct her to Mint.com -- but once involved, she won't be able to break away! Bottom line of all this preparation is that you have given her money lessons throughout her life. Don't be afraid to let her know how much this college experience is truly costing you -- and the rest of her family. This is your investment, as well as hers. Once aware of the responsibility to make wise use of her time as well as your money, she can make better decisions about managing both. Oversight committee updates Meeting set As a result of the suc- cessful passage of Measure A in March 2002, a Citizens Oversight Committee for Bond Measure A was formed and announced in June 2002. The committee will meet at 5:30 p.m. on Monday, Aug. 2, at Shasta College, 11555 Old Oregon Trail, Redding, in the 100 Admin- istration Building Board Room. D NEWSAILY HOW TO REACH US RED BLUFF TEHAMACOUNTY THE VOICE OF TEHAMA COUNTY SINCE 1885 VOLUME 125, NUMBER 209 On the Web: www.redbluffdailynews.com MAIN OFFICE: Monday-Friday, 9 a.m. - 5 p.m. Main Phone (530) 527-2151 Outside area 800-479-6397 545 Diamond Ave. Red Bluff, CA 96080 ______________________ Fax: (530) 527-5774 ______________________ Mail: Red Bluff Daily News P.O. Box 220 Red Bluff, CA 96080 CUSTOMER SERVICE: Subscription & delivery Monday-Friday, 8 a.m. - 5 p.m. (530) 527-2151 Ext. 125 subscription rates (All prices include all applicable taxes) Monday through Saturday $9.59 four weeks Rural Rate $10.69 four weeks Business & professional rate $2.21 four weeks, Monday-Friday By mail: In Tehama County $12.29 four weeks All others $16.23 four weeks (USPS 458-200) Published Monday through Saturday except Sunday, by California Newspaper Partnership. Home delivery NEWS News Tip Hotline: 527-2153 FAX: (530) 527-9251 E-mail: clerk@redbluffdailynews.com Daytime: Sports: Obituaries: Tours: (530) 527-2151 Ext. 111 Ext. 103 Ext. 112 After hours:(530) 527-2153 ______________________ ADVERTISING Monday-Friday, 9 a.m. - 5 p.m. Display: 527-2151 Ext. 122 Classified: 527-2151 Ext. 103 Online (530) 527-2151 Ext. 133 FAX: (530) 527-5774 E-mail: advertise@redbluffdailynews.com SPECIAL PAGES ON THE FOLLOWING DAYS Mondays: Kids Corner Tuesdays: Employment Wednesdays: Business Thursdays: Entertainment Fridays: Select TV Saturdays: Farm, Religion Publisher & Advertising Director: Greg Stevens gstevens@redbluffdailynews.com Editor: Chip Thompson editor@redbluffdailynews.com Sports Editor: Rich Greene sports@redbluffdailynews.com Circulation Manager: Kathy Hogan khogan@redbluffdailynews.com Production Manager: Sandy Valdivia sandy@redbluffdailynews.com newspaper of general circulation, County of Tehama, Superior Court Decree 9670, May 25, 1955 © 2010 Daily News The Red Bluff Daily News is an adjudicated daily 90 years ago... Couple Married By Judge E.F. Lennon Yesterday A quiet wedding was solemnized here yes- terday when Judge E. F. Lennon performed the ceremony uniting George L. Beidleman and Miss Nora May Burgen, in marriage. The groom was aged 39 years and is a resident of Portland. The bride is aged 23 and is a well- known Manton young woman. — Daily News, July 22, 1920 The purpose of the com- mittee is to inform the pub- lic at least annually in a written report concerning the expenditure of the bond proceeds. In carrying out this purpose, the committee shall: • Actively review and report on the proper expen- diture of taxpayers' money for school • Advise the public as to whether the community college district is in compli- ance with the requirements of paragraph (3) of subdivi- sion (b) of Section 1 of Arti- cle XIIIA of the California Constitution, to ensure that bond revenues are expend- ed only for the construction, reconstruction, rehabilita- tion, or replacement of school facilities, including furnishing and equipping of school facilities, or the acquisition or lease of real property for school facilities and no funds are used for any teacher or administra- tive salaries or other school operating expenses. The public is welcome to Photo contest for breast attend this meeting. Members appointed As a result of the suc- cessful passage of Measure A in March 2002, a Citizens Oversight Committee for Bond Measure A was formed. At the July 14, meeting, the Governing Board of the Shasta- Tehama-Trinity Joint Com- munity College District appointed the following new members: Larry Montgomery, Cat- egory of Senior Citizens Organization Henry Cuenca, Category of At-Large Member Missy McArthur, Cate- gory of At-Large Member Gail O’Brien, Category of At-Large Member Kirsten Plate, Category of At-Large Member Larry Robins, Category of At-Large Member Robert Rock, Category of At-Large Member No employee or official of the district and no ven- dor, contractor or consultant of the district shall be appointed to the committee. The committee meets a minimum of once each quarter. The purposes of the committee is to review and report on the proper expen- diture of taxpayers' money for school construction and advise the public as to whether the district is in compliance with the state Constitution. COMMUNITY CLIPS Chicken barbecue health calendar Do you have a pink-themed picture you would like published in the new Think Pink calendar? Upload your pictures using a link available at www.norcalthinkpink.org. You may upload as many pictures as you would like to be considered. Only one winning picture per person. Winning photographs will be published in the 2011- 2012 Breast Health Calendar distributed to 40,000 women in the North State. Deadline to enter is Aug. 15. The calendar is handed out on Think Pink Day, Oct. 21, in 40,000 educational bags. Entrants must be able to provide a version of the photo that is at least 300 dpi at around 8 x 10 inches for print quality. Pictures must be appropriate and tasteful. For further information visit the Nor-Cal Think Pink website. The Los Molinos United Methodist Church is holding its annual Barrel Chicken Barbecue 6-8 p.m. Saturday, July 24, for a donation of $7 for adults and $3.50 for children 10 and younger. The church is at the corner of Sherwood Boulevard and Josephine Street in Los Molinos. The menu includes chicken, potato salad, coleslaw, pork and beans, dessert and beverage. Ray and Carole Watkins, Billy Hayes and Rick Potts are barbecuing the chicken. Neville Mullins will be the greeter for the evening. Entertainment will include The Jammers from the Red Bluff Methodist Church and Robert Christison from the Los Molinos Church. Call Neville Mullins at 384-2305 or Carol Davis at the Los Molinos Senior Center 384-2100 for tickets. Tickets may be purchased at the door. Group seeks board members The Nor-Cal Think Pink Board of Directors invests sig- nificant time and energy in the planning process to ensure appropriate level of understanding, strategic vision and business planning for the annual Think Pink Day event in October. Board members meet every two months beginning in January, and monthly beginning in August through the event. Board members assist in the solicitation of funds for the bags as well as develop the policies and procedures inher- ent to the success of the non-profit organization. For more information, call Erika Wiechman, coordina- tor, at 921-9212 or send an e-mail to norcalthinkpink@gmail.com. Dr. Andrew PomazalD.O. Physician & Surgeon General Medicine Saturday Appointments Available • High Blood Pressure • Diabetes • Joint & Muscle Pain • Lung Problems We offer Osteopathic Manipulation 530 528-2066 2050 Main St, Red Bluff Accepting New Patients