Issue link: https://www.epageflip.net/i/325704
ByJenniferCooper SocialSecurityManagerinRed- ding NationalFamilyMonth takes place each year from Mother's Day in May to Fa- ther's Day in June, and co- incides with the end of the school year when families are able to spend even more time together. It is the per- fect time to spend more time focusing on each mem- ber of your family. Social Security has your entire family in mind when it comes to coverage and benefits. We're here to help everyone in the family— during every stage of life. Most people think of re- tirement benefits when they think about Social Secu- rity, and that certainly is a big part of what we do. In fact, most of the benefits we pay go to retirees and their families—about 41 million people. But Social Security is more than retirement. Just read on. If you work and pay So- cial Security taxes during your lifetime, you can look forward to a strong foun- dation of income in retire- ment from Social Security. Of course, Social Security was never intended to be your sole source of retire- ment income. It is a founda- tion upon which you build with pensions, savings, and other income. But what if you become disabled before you retire and you are unable to con- tinue working to support your family? Social Secu- rity has you covered with disability benefits. If you have a disability that is ex- pected to last a year or lon- ger, or result in death, you should apply for disability benefits. Your work and taxes cover not only you, but your entire family, too. Family benefits can include retire- ment, disability and, in the event of your death, survi- vors benefits. This coverage includes everyone in your family who depends on you for support, such as your minor children who are un- der age 18, or age 19 if still in secondary school, as well as your spouse. It also can include older children who have severe disabilities that began before age 22. In some cases, parents and grandchildren can qualify for family benefits if they depend on your income and you are their only means of support If you want to learn more about how Social Security benefits the younger mem- bers of your family, visit www.socialsecurity.gov/ youngpeople. This page has information for you even if you don't have children and are a young worker your- self. So whether through sur- vivors, disability, or retire- ment benefits, Social Secu- rity is here to help you and your entire family when the need arises. And the best way to ap- ply for benefits is online at www.socialsecurity.gov. Perhaps another popular family member—the family pet—can best explain why applying online is the best option for you. Check out our creative videos on our YouTube channel for sound advice from the four-legged members of the family. Just visit www.socialsecurity. gov and select the YouTube button at the bottom of the page. SOCIAL SECURITY Differentbenefitsfordifferentsituations National Family Month: Benefits can apply in all stages of life Online:Wanttolearn more? Read or listen to Understanding the Benefits, at www.socialse- curity.gov/pubs. Today RED BLUFF Bingo: doors at 5p.m., early birds at 6p.m. Com- munity and Senior Center, food available Celebrate Recovery: 7 p.m., Bethel Assembly of God, 625Luther Road, 527-0445or 366-6298 Polymer Clay Workshop: 6-8p.m., The Green Room, 331Oak St. Red Bluff Rotary Club Sunrise: 7a.m., M&M Ranch CORNING Car Show: 5-9p.m., Bar- tels Giant Burger, 22355 Corning Road, local car clubs welcome, 824-2788 Nutrition Classes: 11:30 a.m. to 1p.m., 175Solano St., 824-7670 LOS MOLINOS Los Molinos Grange: 7 p.m., Grange Hall, 68th and Singer avenues, 529-0930 Saturday RED BLUFF Bird Walk: 8a.m., Sac- ramento River Discovery Center Chamber Certified Farm- ers Market: 7:30a.m. to noon, River Park 527- 6220, EBT and Credit Card accepted Frontier Village Farmers Market: 8a.m. to 1p.m., 645Antelope Blvd. EBT accepted TEHAMA Tehama County Museum: 1-4p.m., 275C St., groups by appointment, 384- 2595 Sunday RED BLUFF AA Live and Let Live: noon and 5:30p.m., 785 Musick St., seven days a week except Thursday meets at 8p.m. Airplane Display Days: 8a.m. to 1p.m., Red Bluff Airport, 1760Airport Blvd., 527-6547 Al-Anon New Comers At Heart: 6:30-7:30p.m., Presbyterian Church of Red Bluff, 838Jefferson Road, Room 2, 690-2034 Kelly-Griggs House Mu- seum: 1-3p.m., 311Wash- ington St., group tours by appointment, 527-1129or 527-5895 TEHAMA Tehama County Museum: 1-4p.m., 275C St., groups by appointment, 384-2595 Monday RED BLUFF Antelope 4-H: 6:30p.m., Antelope School, 527-3101 Community Band re- hearsal: 7-9p.m., Presby- terian Church on Jefferson Street,527-3486 English as a Second Lan- guage class: 5:30-8:30 p.m., 1295Red Bud, 736- 3308, same time Tuesday and Wednesday and 9a.m. to 12:20p.m. Thursdays, free childcare, classes in Richlieu Hall, 900Johnson St. Head Injury Recreational Entity: 10a.m.-2p.m., St. Elizabeth Community Hos- pital, Coyne Center, Rusty, 529-2059 Key to Life: 6p.m., Fam- ily Resource Center, 220 Sycamore St. Ste. 101, 528-8066 Nutrition classes: 10:30 a.m. to noon, 220Syca- more St. #101 PAL Martial Arts: 3-5 p.m., ages 5-18, 1005 Vista Way, Ste. C, free, 529-7950 Red Bluff Community Band Concert: 8p.m., Red Bluff River Park., 527- 3486 Red Bluff Senior Writ- ing Class: 10: a.m.- noon,,Executive Room at Sycamore Center, 220 Sycamore St., 527-5762 Salvation Army Writing Class: 9:30-11:30a.m., 940Walnut St., 527-8530 Spartan Athletic Booster Club: 6:30p.m. Red Bluff Union High School Library Calendar Recently I spent a few days on the campus of a pri- vate university in the mid-west. I was there to speak to the students on money matters — specifically the stu- dent loans many of these students will take with them as part of their col- lege experience. Remember the days when to get a loan you had to qualify and prove you had the capacity to repay the debt? Well, for college students those days are his- tory. They do not need to have a job or a co-signer to get humongous amounts of student debt. And, from what I discovered on my recent visit, students are more than willing to accept large amounts of student debt and at the same time load up on the credit-card debt as well. But here's the good news. These young adults are willing to lis- ten to advice from someone who's been around the block with debt. Seizing the moment, I told them: Accept the least amount of help possible, not the most available. Just because you can borrow enough money each semes- ter to pay for tuition, room, board and books doesn't mean you should. You'll never believe how difficult it is to pay back. Check your- self out of governmental out- patient care. Get a job. And in the summer get two jobs or three. Then get some skin in this game. Make your own way as soon as possible and you'll reap the benefits for the rest of your life. 'Tis easier to borrow than to repay. For every dollar you borrow to pay for college the typical re- payment plan will require that you pay back at least two dollars. You can reject that plan if you work twice as hard in your first three years out of school — even harder than you worked in college. Double up on your payments; work as many jobs as possible. Delay starting a family. Don't buy a new car or dive headlong into a big house payment. Concentrate on wiping out your student debts as quickly as possible. That's a gift you can give yourself that you will never regret. Understand what "entry level" means. There's a per- vasive attitude among col- lege students that Really Great Jobs await those with degrees. Yes, your lifetime earnings will surpass what your peers without degrees can expect to earn. But not in the beginning. You must plan to start at the bottom. This is called the "entry level." There are no Really Great (paying) Jobs at the entry level. Teachers, attor- neys, doctors, stockbrokers — all professions require entry at the bottom. That means the lowest pay. If you think you had to scrape and scrimp in college, con- sider that a rehearsal for the real world. Do not fan- tasize about making the big bucks from the get go. Enjoy these years in col- lege. Even with all the pres- sure of paying for your ed- ucation while keeping up your good grades, make sure you learn all you can, do all you can and pay all you can now. That's the way to make these the best years of your life. Mary Hunt is the founder of www.DebtProofLiving.com, a personal finance member website. You can email her at mary@everydaycheapskate. com, or write to Everyday Cheapskate, P.O. Box 2099, Cypress, CA 90630. EVERDAY CHEAPSKATE Have I got a plan for college students COURTESY PHOTO In this file photo, walkers on an earlier Wildflower Walk explore the forest. Mary Hunt SUSANVILLE Discover Las- sen County by joining Lassen Land and Trails Trust on a Wildflower Walk in the Car- ibou Wilderness area 9 a.m. to 2 p.m. Sunday, July 13. Led by Kirsten Bovee, a Lassen National Forest bot- anist, participants will dis- cover plants of mountain meadows and forests while exploring different habitats on a beautiful and remote private property. Walking will be moderate and less than two miles. Limited space is avail- able. Registration is free and is first come, first served. To register, call Lassen Land and Trails Trust at (530) 257-3252 or e-mail info@las- senlandandtrailstrust.org or friend the Trust at www. facebook/LassenLandTrust. Lassen Land and Trails Trust, a nonprofit member supported organization, ac- tively works to conserve sig- nificant natural areas and working landscapes and to promote and enhance a sys- tem of leading public trails in northeastern California, where the Sierra Nevada, Cascade, Modoc Plateau and the Great Basin converge, a unique region rich in agricul- tural heritage, wildlife and scenic vistas. Guided wildflower walk scheduled July 13 in Caribou Wilderness LASSEN Online: For more information about the Trust's work or about trails to enjoy, please visit www. lassenlandandtrailstrust. org. MARSHALL,TEXAS Spring Commencement ceremo- nies for East Texas Baptist University were held on Saturday, May 3, in Baker Auditorium of the Ornelas Spiritual Life Center. Aaron David Hagen, of Red Bluff, graduated with Bachelor of Science in Ed- ucation-Secondary History. East Texas Baptist Uni- versity offers graduate pro- grams in business, counsel- ing, religion and education, as well as 40 undergradu- ate degree programs. It provides a Christ centered education that emphasizes the integration of faith and learning. The ETBU expe- rience is known for "Em- bracing Faith, Engaging Minds, and Empowering Leaders." For information, visit www.etbu.edu. EAST TEXAS BAPTIST Hagen graduates with bachelor's in history education LassenHouse 705LutherRoad,RedBluff (530) 529-2900 www.Emeritus.com Respite Care Thereareserveralreasonsto take advantage of short term respite care FromEmeritus Whenitcomestofinding the perfect home, make sure you have the right realtor on your side. MeetYour Dream Team Stromer Realty (530) 527-3100 590 Antelope Blvd. Bldg. A, Suites 10 & 20 Red Bluff ~ Specializing in residential to ranches ~ http://redbluff.stromerrealty.com 100JacksonStreet, Red Bluff (530) 529-1220 First 50 new members $ 25 .00 month CallorComeIn for details Deli-TastyBurgers-Wraps NewTo-GoSection Thursday,Friday&Saturday Lunch&DinnerBuffet Happy Hour with Cocktails, Food & Entertainment Saigon Bistro 723 Walnut St. Red Bluff 528-9670 www.redbluff.mercy.org PHYSICIAN REFERRAL A FREESERVICE PROVIDED FOR YOUR CONVENIENCE 888-628-1948 Smog Check (MOST CARS & PICK-UPS) 527-9841 • 195 S. Main St. starting at $ 29 95 + $ 8 25 certificate SERVICESATLOWERPRICES All makes and models. We perform dealer recommened 30K, 60K, 90K MembersWelcome LIFESTYLES » redbluffdailynews.com Friday, June 6, 2014 MORE AT FACEBOOK.COM/RBDAILYNEWS AND TWITTER.COM/REDBLUFFNEWS A5