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COURTESYPHOTO The Manton Music and Arts Program Council held its 7th annual Bluegrass on the Mountain Fundraiser on June 7at Cedar Crest Vineyards in Manton. Although overall attendance numbers were down a little from 2013, net earnings were up by a substantial amount, thanks in part to an all volunteer cooking crew and the generosity and commitment of those who attended. The council thanks all who volunteered time and talent. A special thanks to Rock Ridge Bluegrass Band, 6th District Old Time fiddlers Association, Matthew Songmaker and the Mountain Messengers and Manton Music Students, who performed to the delight of the audience. Thanks also to Cedar Crest for hosting the third year in a row, Wells Fargo Advisory and all sponsors. MANTON BLUEGRASS SUCCESS Totheperson drowning in debt, a debt-consolida- tion loan looks a lot like a lifesaver. But reaching for it without know- ing exactly what it's made of could be a serious mistake. The way it's supposed to work: You pay off all your small high-interest consumer debts with the proceeds of a new low-in- terest loan whose pay- ment is less than the total of the smaller payments. In theory, consolida- tion is a terrific solution for a burdensome debt situation. In reality, it can force you into even more treacherous waters. Basically, there are three ways to consolidate: 1. A new, low-inter- est signature (unsecured) loan from an individual, bank or credit union. If you can get it, this type of debt-consolidation is ideal. 2. Transferring all of the balances to a new credit card. Beware of ex- cessive transfer fees or accounts that have other troublesome conditions buried in the fine print. The interest on credit cards is always subject to increase, even when it is advertised as a "fixed rate." And if you are look- ing at a zero-interest in- troductory offer, know ex- actly when that expires because if you have a re- maining balance it will be subject to a big inter- est rate. 3. A home-equity loan. It sounds great to pay off your high-interest debts with money borrowed against your home's eq- uity. But this only in- creases the stakes. Now if you fall behind, the lender takes your home through foreclosure. There is one more sig- nificant danger that all of these types of consolida- tion loans have in com- mon. I call it the "dou- bling effect." If you've ever lost 10 pounds and gained back 20, you'll understand right away. Most people who pay off all their pesky credit- card balances look at those zero balances with a sense of personal ac- complishment. They've done something remark- able. They didn't really repay their debts — they just moved them to a new location — but they en- joy pretending. They say they won't use those ac- counts again, but they fail to close them. They leave them to "build credit" or to provide cushion — just in case of emergency. Statistics indicate that the person who consolidates to a new loan will en- joy the zero bal- ances for a short time, but will eventually charge them back to all- time highs. The average time it takes to accomplish this dubious feat is two years. That means double the trouble because of the debt-consolidation loan. So are all debt-con- solidation loans off-lim- its? No, but they should be entered into with ex- treme caution and a great deal of consideration. Be- fore proceeding with any type of debt-consolida- tion loan, make sure you get honest answers to these hard questions: Is the total consider- ation of the debt-con- solidation loan (prin- cipal and interest), not only the monthly pay- ment, less than the con- sideration combined for all the debts it will pay off? Answering this ques- tion will require you to do the math. Do it. And get ready for some star- tling answers. Lenders are not in the business to make your life more en- joyable. They are in it for the money. Never forget this important fact. Are the terms reason- able? If, for example, the new loan or credit card carries significant penal- ties such as you lose the attractive interest rate if you are late one or two times, that is not reason- able. If you must pay a big loan origination fee, that is not reasonable. Am I sufficiently finan- cially mature enough to cancel the accounts that will be paid off in the consolidation process? Only you can answer this question. Dig deep and be totally honest with your- self. Except in extreme cases, the best way to face a load of unsecured consumer debt is to stop adding to it, develop your Rapid Debt-Repayment Plan (you can see a dem- onstration of how this works at DebtProofLiv- ing.com), and then buckle down and get to work! You'll be amazed at how quickly you can reverse your debt situation once you know exactly when you will be debt-free. Wouldyouliketosend a tip to Mary? You can email her at mary@eve- rydaycheapskate.com, or write to Everyday Cheap- skate, P.O. Box 2099, Cy- press, CA 90630. EVERYDAY CHEAPSKATE Debt consolidation can be deceiving Mary Hunt Thankyou! PLEASE RECYCLE THIS NEWSPAPER. The Mendocino National Forest is entering into fire restrictions beginning to- day due to dry conditions and increased risk of wild- fires. The fire restrictions will continue through the end of fire season. Under the restrictions, fires, campfires, charcoal fires or stoves are prohib- ited on the National Forest unless in the following des- ignated recreation sites: GRINDSTONE RANGER DIS- TRICT Whitlock, Kings- ley, Sugarfoot, Three Prong, Ides Cove, Horse Packer, Wells Cabin, Dead Mule, Lake Red Bluff Recreation Area, Big Springs Day Use Area, Letts Lake, Mill Val- ley, Dixie Glade, Plaskett Meadows, Masterson, Lit- tle Stony, Grey Pine, Fouts Springs, Davis Flat, South Fork, North Fork, Mill Creek, Cedar Camp and Old Mill Campgrounds. UPPER LAKE RANGER DIS- TRICT Fuller Grove, Fuller Grove Group Camp, Navy Camp, Pogie Point, Oak Flat, Sunset, Middle Creek, Deer Valley, Bear Creek and Penny Pines Campgrounds and Lake Pillsbury Summer Home Sites. COVELO RANGER DISTRICT Eel River, Little Doe, How- ard Lake, Howard Mead- ows, Atchison, Green Springs and Hammerhorn Lake Campgrounds. California Campfire Per- mits are not needed in the designated recreation sites listed. In all other areas of the Forest, lanterns or por- table stoves using gas, jel- lied petroleum or pressur- ized liquid fuel will be al- lowed as long as the person has a current California Campfire Permit with them. California Campfire Per- mits may be obtained at any Forest Service, Bureau of Land Management or Cal Fire office in California, as well as most Forest Service field employees. They may also be obtained online at www.fs.usda.gov/main/ mendocino/passes-permits/ recreation. The following activi- ties are also prohibited as part of the fire restrictions: Smoking except within an enclosed vehicle or in the designated recreation sites listed above; welding or operating an acetylene or other torch with an open flame; using explosives and possessing, discharging or using any kind of fireworks Forest visitors will be able to continue riding Off- Highway Vehicles on desig- nated roads and trails, pro- vided that the vehicles are equipped with the required spark arresters. Spark ar- resters are also required on chain saws being used for people filling valid per- sonal use wood cutting per- mits, and may also only be used on designated roads and trails. "The rugged terrain that makes the Mendocino such a remarkable place can be very conducive to the rapid spread of wildfire, espe- cially this year when the forest is exceedingly dry," said Forest Supervisor Sherry Tune. "The public can help prevent wildfires by respecting the fire re- strictions and being careful when using anything with a flame or that can throw a spark while enjoying this spectacular forest." Temporary fire restric- tions are put in place an- nually to protect natural re- sources and limit the threat of human-caused wildfires. Similar restrictions are go- ing into effect on neighbor- ing forests. However, re- strictions can vary by For- est and visitors should check with the National Forest they plan on visiting for the latest fire restric- tions and conditions. Violation of these fire re- strictions is punishable by a fine of no more than $5,000 for an individual, $10,000 for an organization, or up to six months imprison- ment or both. Fire season typically ends in late fall following a series of drenching, mea- surable rains in the moun- tains. An announcement will follow when fire restric- tions are lifted. NATIONAL FOREST Fire restrictions start on Mendocino Tuesday REDBLUFF American Legion Mt. Lassen Post 167: 7p.m., Veterans Memorial Hall, 735 Oak St. Antelope School Board: 5:30p.m., Antelope District Board Room, 22600Ante- lope Blvd. Bend School Board: 4:30 p.m., 22270Bend Ferry Road Book Club, 6p.m.: Tehama County Library City Council: 7p.m. City Hall, 555 Washington St. Cribbage Club: 6p.m. Cozy Diner, 259S. Main St., 527- 6402 Diabetic Education: 12:30 p.m. St. Elizabeth Com- munity Hospital, Columba Room, 529-8031 Fun Senior Aerobics: 8-9 a.m., $1, Community Center, 1500S. 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