Issue link: https://www.epageflip.net/i/27571
Monday, March 21, 2011 – Daily News – 3A Local Calendar To add an upcoming event in the Local Calendar, submit 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. MONDAY,MARCH 21 Red Bluff Bend School Board, 4:30 p.m., 22270 Bend Ferry Road Gastric Bypass Support Group, 6 p.m., St. Eliza- beth Community Hospital, Columba room, 529-3066 Head Injury Recreational Entity, 10 a.m., St. Eliz- abeth Community Hospital, Coyne Center, 529-2059 Key to Life, 6 p.m., Family Resource Center, 220 Sycamore St. Ste. 101, 528-8066 Line Dancing for Beginners, 9:15 a.m. to 10:15 a.m., 1500 South Jackson St., Free, 527-8177 Masterworks Chorale Rehearsal, 6:45 p.m. to 8 p.m., Red Bluff Presbyterian Church, 838 Jefferson St., 527-4203 Red Bluff Community Band, 6:45-8:45 p.m., Pres- byterian Church, 838 Jefferson St. ,527-3486 Retired and Active Federal Employees, 11:30 a.m., Veteran’s Memorial Hall, 735 Oak St., call Karen at 585-2494 Salvation Army Writing Class, 9:30 to 11:30 a.m., 940 Walnut St., 527-8530 Sun Country Quilters Community Service Group, 9 a.m.to 3 p.m., Family Resource Center, 220 Sycamore St. Ste. 101, 528-8066 TeenScreen Mental Health Appointments, 10 a.m. to 2 p.m., free, by appointment only, Youth Empowerment Services, 1900 Walnut St., 527-8491, Ext. 3012 Tehama County Military Family Support Group, 6 p.m., 5 Chestnut Ave., 529-2416. Corning Corning Alcoholics Anonymous, noon Monday through Friday, 5 p.m.Thursday, 7 p.m. Monday, Tues- day and Saturday and 1 p.m. Sunday, 783 Solano St., behind the Church. Kirkwood School Board, 5 p.m., 2049 Kirkwood Road Narcotics Anonymous, 7 p.m., 815 First St., 824- 1114 or 586-0245, daily through Saturday, noon Mon- days, no meeting the third Wednesday Sewing group, 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 Cottonwood Cottonwood Garden Club, 10 a.m., 20595 Gas Point Road, potluck lunch to follow, 347-1281 or 347- 3852 Gerber Gerber Union Elementary School Board, 6 p.m., 23014 Chard Ave. Flournoy Flournoy Elementary School Board, 6 p.m., 16850 Paskenta Road Rancho Tehama School Readiness Play Group, 3-4 p.m., children 4 and younger, free, Rancho Tehama Elementary School, 384-7833 TUESDAY,MARCH 22 Red Bluff Alzheimer’s and dementia support group, 6 p.m., Lassen House, 705 Luther Road, 529-2900 Emblem club dinner, 5:30-7 p.m., at Elks Lodge, 355 Gilmore Road First Five Tehama, 3-5 p.m. Tehama County Department of Education, 1135 Lincoln St. International Order of the Rainbow for Girls, 6:45 p.m., Masonic Hall 822 Main St. 527-6715 PAL Kickboxing, 6 p.m., 1450 Schwab St., 529- 8716 or 200-3950 Pinochle for Seniors, 12:30 p.m. to 3:30 p.m., 1500 So. Jackson St., Free, 527-8177 Playtime Pals Playgroup, 9:30 a.m., Family Resource Center, 220 Sycamore St. Suite 101, 528- 8066 Red Bluff Rotary, noon, Elks Lodge Senior Fitness, 8-9 a.m., 1500 S.Jackson St., free, 527-8177 Take Off Pounds Sensibly — TOPS,10 a.m., First United Methodist Church, 525 David Ave., 824-0556 or 529-1414 Tehama County Board of Supervisors, 10 a.m., board chamber, 727 Oak St. Tehama County Tea Party Patriots,6 p.m., Grange Hall, 20794 Walnut St. Veterans of Foreign Wars Post 1932, 7 p.m.Vet- erans Building, Oak St. Weight Watchers meeting, 6 p.m., weigh-in starts half-hour before meetings, 485 Antelope Blvd., #N, next to Bud’s Jolly Kone, 1-800-651-6000 Corning City Council, 7:30 p.m., City Hall, 794 Third St. Lotto numbers SACRAMENTO (AP) — The winning num- bers drawn Wednesday night in the California Lottery’s ‘‘SuperLotto Plus’’ game were: 01-17-28-32-45. Meganumber: 01. Home equity loans: Not what you think Thinking of dipping into your home's equity? There are a few things you should know. • Equity is a concept, not a savings account. Equity, the difference between what you owe on your home and the amount you could sell it for now, is a number. It is a theo- ry; it is not cash in a savings account. Equity does not become cash until you sell the house and give up possession. In the mean- time, a home equity loan means you agree to make payments that are mostly interest, and that can plunge you into debt. • You'll have a false sense of well-being. Transferring debt to a home equity loan gives a false sense of relief. Paying off credit card debt feels righteous, but you only are moving your debt around. Soon the old feelings of entitlement will surface, and before you know it, the cards are maxed out again. But now you have the loan, too. • It can be costly. That lower- interest home equity loan could easily end up costing more than the higher-interest credit card debt if you spread it over 15 years rather than use the current payment schedule you have with your credi- tors. Recently, I compared that very thing for a couple considering a home equity loan to pay their $15,000 of credit card debt. If they were to shift that debt to a $15,000 HEL at 7.25 percent, it would cost them $9,647 in interest and take 15 years to repay. Using my Rapid Debt-Repay- ment Plan (see http://www.Debt- ProofLiving.com), they would be on track to repay the same amount of debt in just 37 months, costing them less than $1,500 in inter- est. • Spending your next devaluation. If your mortgage plus your HEL exceeds the market value, you may find yourself stuck with a home you cannot afford but cannot sell, either. • You could lose it. Peo- ple who use home equity loans tend to do it again and again and again. They never figure out how to manage their money and learn the hard way that the penalty for falling behind on equity payments is fore- closure. When it comes to home down payment. Statistics say you will live in your home for about seven years. The equity in your home is the down pay- ment on your next home. If you start nibbling away at it to pay for a wedding, a fancy vacation or college tuition (common reasons for HELs), you may be reducing or eliminating your relocation options. • You could find yourself under- Mary Hunt Everyday Cheapskate equity, here's the best advice: Watch it, but keep your hands off. Years from now when you make the final mortgage payment and your home is all yours, you'll be thankful you decided to think for your- self and away from an HEL. Mary Hunt is the founder of water. Borrowing against home equity could put you in a precari- ous position if the real estate mar- ket should go through another www.DebtProofLiving.com and author of 18 books, including her best-selling classic "Debt-Proof Living." You can e-mail her at mary@everydaycheapskate.com, or write to Everyday Cheapskate, P.O. Box 2135, Paramount, CA 90723. Deadline for ‘11 Days of Round-Up’ program Tuesday, March 22 is the deadline to register events planned to occur during the “11 Days of Round-Up” in April, and be included in the community events pro- gram that will be delivered with the Daily News Friday, April 1. Information forms are available at the offices of the Red Bluff-Tehama County Chamber of Commerce, 100 S. Main in Red Bluff, or at the Daily News, 545 Diamond Ave. To receive a form via email, a request may be emailed to Tehama.up@gmail.com by noon today, and a form will be returned to the sender this afternoon. Memories book available at downtown retailer The Memories books, published by the Tehama County Genealogi- cal and Historical Society, can now be purchased at Taste of Tehama, next to the State Theatre on Oak Street. With the closing of the book store, Facts and Fictions, there was no place to get these books without ordering them from TCGHS. Memories books have been pub- lished yearly since 1983 and are short stories about and by people who have or are living in Tehama County. So next time you are in Taste of Tehama, look for the Memories books. They, along with all the other items in the store, are excel- lent examples of the good things coming out of Tehama County. Spring Job Fair Tuesday in Redding The Employment Development Department will present a Spring Job Fair, 9 a.m. to 4 p.m., Tuesday, March 22, at the Veterans Memorial Building, 1605 Yuba St., in Redding. | The department is looking for businesses that have job openings in tourism, production, hospitality, con- struction and more. Benefits to businesses include meeting candidates face to face, advertising open positions, and showcas- ing the business. It is a $40 fee to participate, which includes chairs, table and a box lunch for two representatives. For more information call Joseph Landaker at 225-2337. The event is in partnership with the Employment Development Department, CalWORKs, Shasta Col- lege, North Valley EAC, Tehama County CAA, vari- ous local government agencies, and private organiza- tions. Ethics Forum: The Psychology and Ethics of Gambling Professor Joseph Mazur, profes- sor emeritus of mathematics at Marlboro College, will look at the psychological forces that entice people to put their faith in ever-elu- sive jackpots, despite mathematical improbability, in a talk on Wednes- day, March 23. He will also ques- tion the ethics of government-spon- sored gambling as a means to raise revenue. His talk is co-sponsored by the Humanities Center and the Center for Applied and Profession- al Ethics (CAPE) at California State University, Chico. It is part of the Humanities Center’s theme, “Chance.” Mazur’s talk is free and open to the public and will be held in PAC 134 at 7:30 p.m. Mazur is the author of “Euclid in the Rainforest: Discovering Uni- versal Truth in Mathematics,” which was chosen as one of Choice’s 2005 Outstanding Acade- mic Titles of the Year, and “The Motion Paradox: The 2,500-Year old Puzzle Behind All the Myster- ies of Time and Space.” His latest book, “What’s Luck Got To Do With It?”, is about the history, mathematics and psychology of gambling. Mazur will talk about how peo- ple gamble despite mathematical improbabilities, and will question the ethics of government-sponsored gambling as a means to raise rev- enue in a cash-strapped economic climate. CAPE promotes ethical reflec- tion about issues of concern inside and outside the University. For more information on CAPE, go to http://www.csuchico.edu/cape. BLM seeks camp hosts for campgrounds, day use Opportunities to live and work in beautiful northern California outdoor settings are being offered by the Bureau of Land Management (BLM) in volunteer host positions in Shasta and Trinity counties. Along the Trinity River, the BLM is taking applica- tions for campground hosts at Douglas City (May through November), Steelbridge (May through December) and Junction City (May through Novem- ber). In Shasta County, BLM is taking applications for a host position as a at the Clear Creek Gorge Trailhead, and for a campground host position at the Shasta Campground adjacent to the Chappie-Shasta Off High- way Vehicle Area and the Sacramento River Rail Trail. Both positions are year-round. BLM volunteer hosts live on site in their own campers or camp trailers. The BLM provides varying levels of water, septic, phone and power connections, depending on the site. The BLM provides allowances to cover living expenses, but no salary. Hosts provide visitor information and complete light maintenance work. For more information, contact Bill Kuntz (wkuntz@blm.gov) or AnaStasia Lytle (alytle@blm.gov) or call the BLM Redding Field Office, 224-2100. Financing and loan business workshop Northeastern California Small Business Development Center at Butte College is presenting a free workshop on "U.S. SBA Financ- ing & Loan Programs for Your Business" from 10:30 a.m. to noon, Thursday, March 24, at Butte Community Employment Center, 78 Table Mountain Blvd., K W I K K U T S Family Hair Salon 1064 South Main St., Red Bluff • 529-3540 with coupon $200 REGULAR HAIRCUT off Not good with other offers Reg. $13.95 Expires 3/31/11 Oroville. The U.S. SBA offers a variety of loan programs for start-up busi- nesses. A representative from the SBA will cover various funding options for a business, and loan require- ments and application process, including a loan application BAXTER BLACK Cowboy Humorist April 11th - 7pm State Theatre 333 Oak St. $50 VIP • $ • $ 30 Premium 25 General Tickets available @ The Loft, Sparrow’s Antiques, Red Bluff Chamber & Farmer’s Insurance 527-3092 for info. checklist and step-by-step handout detailing information and explana- tion on completing loan applica- tions. Pre-registration is required. Please call the Northeastern Cali- fornia SBDC at Butte College at 895-9017 to register and for more information.