Issue link: https://www.epageflip.net/i/363419
DearMary:Our 15-year-old daugh- ter recently got her learner's permit. I called our auto in- surance agent about how to handle this and she told us to add our daughter to our policy, which we did. Then we got a bill for an additional pre- mium and paid the bill. Later, we heard that a teen driver with a learn- er's permit is already cov- ered under a parent's (or guardian's) policy. Do you think we are be- ing charged an additional premium for coverage we have already? I can't seem to get a straight answer from the company. — Bar- bara, California Dear Barbara: Accord- ing to the Insurance Infor- mation Institute, most in- surers extend coverage for learners on the customer's existing policy. However, this is not required by law, so it is difficult to say if your company does or not. However, if they are vague when you inquire, I'd be a little suspicious, myself. If you think you are be- ing overcharged, ask the company to provide you with a copy of its under- writing policies so you can read them for yourself. If they are unwilling to do this, I believe I would con- tact my state's depart- ment of insurance for as- sistance. If you find you've been overcharged or feel you've been ripped off, contact your local Better Business Bureau as well. On the other hand, if you find out that your company is unique in that it does not cover youth- ful learners on your exist- ing policy, you should shop around before your next renewal. My thought would be that if they are not com- petitive in this one area of coverage, are they failing to give you the best rates in other areas as well? The only way to find out it is to look around and ask a lot of questions. Dear Mary: Just a quick note to say thanks for your advice and research. I am not fastidious about clean carpets, but you sold me on the Hoover Steam Vac (everydaycheapskate.com/ steamvac). My husband and I own a condo that we rent out to folks in ministry, at a re- duced rate. That means we don't have a lot of money available for upkeep and maintenance between oc- cupants. In getting the place ready for the next occu- pants, I decided to order the Hoover Steam Vac and give it a try on the car- pet following your spe- cific instructions. It was fun because of your ad- vice, method and your ex- citement about this partic- ular machine. The condo carpets look fabulous! So I brought the machine home to clean my own carpet. I made a schedule and am cleaning the whole house in sections. Keep up the good work. You are way better than Consumer Reports! — Shawn, California Dear Shawn: I'll take that compliment any day of the week. And I'm happy to hear that Hoover worked as well for you as it does for me. It re- ally is the best thing I ever bought. MaryHuntisthefounder of www.DebtProofLiving. com, a personal finance member website. You can email her at mary@eve- rydaycheapskate.com, or write to Everyday Cheap- skate, P.O. Box 2099, Cy- press, CA 90630. EVERYDAYCHEAPSKATE Insuring youthful drivers Mary Hunt SUSANVILLE Discover Lassen County by joining Lassen Land and Trails Trust on a paddling trip to Silver Lake 8 a.m. to 2 p.m. Saturday, Aug. 16. Paddlers will enjoy mixed forest, wildflowers, deer, chipmunks, birds and new friends as we ex- plore the cool and scenic waters of this high eleva- tion lake on the eastern edge of the Caribou Wil- derness in the Lassen Na- tional Forest. Event leaders are Steve Fleming and Andrew Haut, experienced out- doorsmen and volunteers for the Trust. Bring your own boat. 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@lassenlandandtrail- strust.org or friend the Trust at www.facebook/ LassenLandTrust or join the Trust's Meet Up group at www.meetup.com/Dis- cover-Lassen. Lassen Land and Trails Trust, a non-profit mem- ber supported organiza- tion, actively works to con- serve significant natural areas and working land- scapes and to promote and enhance a system of lead- ing public trails in north- eastern California—where the Sierra Nevada, Cas- cade, Modoc Plateau and the Great Basin converge. For more information about the Trust's work or about trails to enjoy, visit www.lassenlandandtrail- strust.org. DISCOVER LASSEN Pa dd le t ri p pla nn ed f or S at ur da y Brianna Penner, a 2014 honors graduate of Red Bluff Union High School, was one of 39 area gradu- ates who received a scholar- ship award from Tri Coun- ties Bank. The $1,000 check, written to California State University, San Diego, was awarded to Penner Tues- day evening in Redding for her outstanding academic achievements as well as her dedicated community service. Penner receives scholarship COURTESYPHOTO Pictured, from le , are Brent Warren, VP/CRA officer for Tri Counties Bank; Dan Bailey, EVP Retail Banking; Brianna Penner, Red Bluff High honors graduate; Rich Smith, president and CEO of Tri Counties and Wendy Zanotelli, president and CEO of United Way of Northern California. HONORED If you think you are being overcharged, ask the company to provide you with a copy of its underwriting policies. Today REDBLUFF California HEAT Chorus - Sweet Adelines: 7p.m., Meteer School multipur- pose room, 695Kimball Road, 895-0139 Childbirth Class: 6:30- 8:30p.m., St. Elizabeth Community Hospital, Columba Room, 888-628- 1948 Fun Senior Aerobics: 8-9a.m., $1, Community Center, 1500S. Jackson St. 527-8177 Grief Support Group: 3-5 p.m., Coyne Center, Kristin Hoskins 528-4207 Imagination Train story hour: 4p.m., Tehama County Library Kelly-Griggs House Mu- seum: 1-3p.m., 311Wash- ington St., group tours by appointment, 527-1129or 527-5895 La Leche League: 11a.m., Sunrise Bible Fellowship, 956Jackson St., 347- 0562or 527-6818 Live country music, with dinner: 5-7p.m., Veterans Hall Painting session, Red Bluff Art Association: 10a.m., Tehama District Fairground, 529-1603 PAL Martial Arts: 3-5 p.m., ages 5-18, 1005Vista Way, Ste. C, free, 529- 7950 Penny Bingo: 9:30a.m., Community Center, 1500 S. Jackson St. Phoenix Community Support Group: 11:30 a.m., Presbyterian Church, 838Jefferson St., 945- 2349 Pinochle for Seniors: 12:30-3:30p.m., 1500S. Jackson St., free, 527- 8177 Red Bluff Exchange Club: noon, M&M Ranch House, 645Antelope Blvd. #1 Red Bluff Lions Club: 6 p.m., Veterans Memorial, 527-6616 Rock Choir: 4p.m., 601 Monroe St., free, all wel- come Senior Chair Volleyball: 1p.m. Community Center, 1500S. Jackson St. Sunrise Speakers Toastmasters: noon, 220 Sycamore St. Swinging Squares Square Dance Club: 7 p.m., Community Cen- ter, 1500S. Jackson St., beginner or review classes, 529-1615 Tehama County Planning Commission Workshop: 9a.m., 727Oak St., 527- 2200 Widowed Persons Din- ner: 5p.m., call 384-2471 for location Women's Domestic Violence Information and Support Group: call for group time and location, 528-0226 CORNING Cal-Fresh and Healthy Family appointments: 1-3p.m., Family Resource Center, 1488South St., 824-7670 Corning Friends of the Library: 2p.m., 740Third St. Dance with Juana: noon, Family Resource Center, 1488South St., 824-7670 Degree of Pocahontas Silver Cloud Council #168: 7p.m. Indepen- dent Grange 470, 20945 Corning Road, 824-1114or 586-1065 Domestic Violence Information and Support Group: call for group time and location, 528-0226 Dual Diagnosis Group: 1:30-3p.m., 1600Solano St., 527-8491, Ext. 3309 ESL/Citizenship classes: 9a.m. - 11a.m., Family Resource Center, West and South streets, 824-7670 Sewing group: 9a.m., Family Resource Center, West and South streets, 824-7670Soccer training: 4-6p.m., Woodson School soccer field, 150N Toomes Ave., 824-7680 COTTONWOOD Cottonwood Creek Wa- tershed Board of Direc- tors: 5:30p.m., 3645Main St., 347-6637 Friday RED BLUFF Celebrate Recovery: 7 p.m., Bethel Assembly of God, 625Luther Road, 527-0445or 366-6298 Hospice Second Hand Store half price sale: all day, Riverside Shopping Center 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 Narcotics Anonymous: 7-8p.m., 25204Josephine Ave, Wednesday and Friday Saturday RED BLUFF Chamber Certified Farm- ers Market: 7:30a.m. to noon, River Park 527-6220 Frontier Village Farmers Market: 8a.m. to 1p.m., 645Antelope Blvd. TEHAMA Tehama County Museum: 1-4p.m., 275C St., group tours any day by appoint- ment, 384-2595 Sunday RED BLUFF AA Live and Let Live: noon and 5:30p.m., 785 Musick St., every day ex- cept Thursday at 8p.m. 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., group tours any day by appoint- ment, 384-2595 Monday RED BLUFF Community Band Con- cert: 8p.m., River Park, free English as a Second Language class: 5:30- 8:30p.m., Red Bluff High School Adult Ed building, 1295Red Bud, 736-3308, same time Tuesday and Wednesday and 9a.m. to 12:20p.m. Thursdays, free childcare from 9a.m. to 12:20p.m. classes in Rich- lieu Hall, 900Johnson St. Gastric Bypass Support Group: 6p.m., St. Eliza- beth Community Hospital, Columba room, 529-3066 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 Narcotics Anonymous: 11 a.m. to noon, 838Jeffer- son St., Room 3, Monday through Saturday and 5:30-6:30p.m. Saturday Narcotics Anonymous: 7-8:30p.m., 785Musick St., every day except Thursday Nutrition classes: 10:30 a.m. to noon, 220Syca- more St. #101 PAL Martial Arts: 3-5 p.m., ages 5-18, 1005Vista Way, Ste. C, free, 529- 7950 Retired and Active Federal Employees: 11:45a.m., Cozy Diner 259 S. Main St., call Karen at 585-2494 Salvation Army Writing Class: 9:30-11:30a.m., 940Walnut St., 527-8530 Senior Writing Class: 10 a.m. to noon, Sycamore Center, 220Sycamore St., 527-5762 Sun Country Quilters Community Service Group: 9a.m. to noon, Family Resource Center, 220Sycamore St. Ste. 101, 528-1126 TeenScreen Mental Health appointments: 10a.m. to 2p.m., free, by appointment only, 1900 Walnut St., 527-8491, Ext. 3012 Tehama County Military Family Support Group: 6p.m., Countryside Cafe, 638Washington St., 529- 2416. CALENDAR 365S.MainSt. Red Bluff www.lariatbowl.com 527-2720 FALL LEAGUES NOW FORMING Regular Haircut $ 2 00 off KWIK KUTS FamilyHairSalon 1064SouthMainSt.,RedBluff•529-3540 ANY RETAIL PRODUCT 20 % off withanychemicalserviceof $50 or more Notgoodwithotheroffers Expires 8/31/14 With coupon Reg. $13.95 | LIFESTYLES | REDBLUFFDAILYNEWS.COM THURSDAY, AUGUST 14, 2014 4 A