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TheNativeDaughtersof the Golden West have a long history with William B. Ide Adobe State Historic Park. Perhaps you've noticed signs designating Califor- nia Historical Landmarks as you drive along many of California's highways. There are more than 900 registered Historical Land- marks, numbered in the or- der that they are registered by the State Historical Re- sources Commission and the Director of the Depart- ment of Parks and Recre- ation. One of the members of the Red Bluff Chapter of the Native Daughters, Do- ris Shaffer, was instrumen- tal in getting the Adobe reg- istered as Historical Marker No. 12. There are Historical Landmark plaques com- memorating the Adobe at Ide Adobe Park and at the Adobe Plaza on Main Street. Ide Adobe Park was faced with a catastrophic event on July 13 when the large oak tree that provided shade for the Adobe and much of the park dropped its limbs. One of the limbs fell on the roof of the adobe causing major structural damage. Once again, the Native Daughters have stepped up to help keep historical sites preserved for all to enjoy. D'Lorah Hurton, Kathy Sib- ert and Carol Mieske, board members of Berendos Par- lor, Native Daughters of the Golden West presented the Ide Adobe Interpretive As- sociation President Judy Fessenden and Ide Adobe Park Interpreter Debbie Chakarun with a check for $1,000 to help with the modifications needed to keep park programs going and towards the restoration of the Adobe. Both California State Park staff and Ide Adobe In- terpretive Association want to publicly thank the Native Daughters for the generous donation. There is plenty of hope that the structural damage to the Adobe can be repaired but it will be a long process. Women's group donates to Ide Adobe State Park COURTESYPHOTO Members of the Native Daughters of the Golden West present a check to the Ide Adobe State Historical Park. NATIVEDAUGHTERS How do you pay for stuff? Do you hand over cash? Write a check? Pay with a credit card? Or do you use a debit card because the payment is au- tomatically de- ducted from your bank account? Most people use a com- bination of paper, plas- tic and electronic pay- ments. However, debit cards have now surpassed cash, checks and credit cards for the way people pay at the point of sale. Personally, I do not have a debit card, never have and never will. I have an ATM card. Simply having a debit card tied to your bank ac- count is an invitation for trouble. I would love for you to get rid of yours, but if I cannot convince you to do that, do not be- come complacent. Get proactive. The odds are stacked against you, which means you will become a victim of fraud. Determine right now to know your risk, and then cre- ate every safety net you can think of, such as: Set up an alert. Many banks offer online balance alerts that will email or send an SMS message to your cellphone when your balance drops below an amount that you determine. I would strongly advise you to set up balance alerts and don't set them too low. Receiving an unexpected low balance alert could be an early warning sign that someone is cleaning out your account and may allow you to stop it before they do. Have a "Plan B." When it happens, you will be under a lot of stress, so don't expect to have a clear head. Have a plan in place so when you dis- cover your debit card is stolen or you get an alert that your bank account is low and dropping fast, you'll instinctively know what to do. You will most likely be faced with one of two sce- narios: 1) A thief cleaned out your account. Or 2) The bank needs to block your debit card and your entire account until they can change your account number and issue a new debit card. In both of these situations, you will not have access to your money. Get prepared with funds in a different bank or some place that only you know about. If you enjoy the conve- nience of paying for your everyday purchases with plastic, consider open- ing a "no annual fee" credit card account with a small line of credit for those purchases. Be sure to promptly pay off your bill in full each month to avoid any fees and inter- est charges. Can't trust yourself to do that? Then pay with cash. If you insist on using a debit card, and if you are the victim of a thief clean- ing out your account, the bank will require that you file a police report. Don't be surprised if they look at you a little funny, won- dering if perhaps you're the one who emptied the account and now you're trying to pass it off as a theft. You may have to de- fend yourself. Good luck. You're going to need it. 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. EVERYDAY CHEAPSKATE Whatyoumustknowifyouinsistonusingadebitcard Tehama Together is sponsoring an informa- tional session about the Northern California Coun- ties Time Bank, which will be held at 1:30 p.m. Friday, Sept. 19, at Lariat Bowl in Red Bluff. A Time Bank is an or- ganized way to pay it for- ward. For every hour you invest doing work for some- one in the Time Bank, you receive an hour to spend on any service offered by others in the Time Bank. Time Banking stresses that for all of us our time is valuable and that we all have something to offer to each other and to the com- munity. Time Banking is a great way to get needs met, meet others and build commu- nity. The NCC Time Bank be- gan about two years ago and has more than 200 participants. Members have exchanged cooking, tutoring, repair services, housekeeping help, paint- ing, landscape design, gar- dening help, sewing, mas- sage, yoga classes, child care, pet care, acupunc- ture, reflexology, facials, computer assistance, transportation, language classes, home visits, con- versation and financial ad- vice. The more people who are involved, the more ser- vices that are offered. This informational ses- sion is being held to de- termine whether there is enough interest to estab- lish a branch of the pro- gram in Tehama County. Community members and representatives of agencies are encouraged to come learn more about the Time Bank and how they can become members. For further information, call Tehama Together at 530- 527-2223. TEHAMA TOGETHER Trade skills through time banking Mary Hunt Today REDBLUFF American Legion Mt. Lassen Post 167: 7p.m., Veterans Memorial Hall, 735Oak 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: 8-9a.m., $1, Community Center, 1500S. Jackson St. 527-8177 Healthier Living with Chronic Conditions: 5:30-8p.m., St. Elizabeth Community Hospital, Columba Room, 1-888- 628-1948 PAL Kickboxing: 6p.m., 1450Schwab St., 529- 8716or 200-3950 Penny Bingo: 9:30a.m., Community Center, 1500S. Jackson St. PETS — Providing Essen- tials for Tehama Shelter: 6p.m., Rabobank, 500 Luther Road, 527-8702 Pinochle for Seniors: 12:30-3:30p.m., 1500S. Jackson St., free, 527- 8177 Red Bluff Derby Girls open tryouts and prac- tice: 6:30p.m., Tyler Jelly building, Tehama District Fairground Red Bluff Rotary: noon, Elks Lodge Take Off Pounds Sensi- bly - TOPS: 10a.m., First United Methodist Church, 525David Ave., 824-0556 or 529-1414 Tehama County Arts Council board meeting: 5:30p.m., Tehama County Department of Education Tehama County Board of Education: 5p.m., Tehama County Department of Education, 1135Lincoln St. Tehama County Board of Supervisors: 10a.m., board chamber, 727Oak St. Tehama County Health Partnership: 1-3p.m., 1135Lincoln St. 527-6824 Tehama County Resource Conservation District: 8:30a.m., USDA Service Center, 2Sutter St., Ste. D Tehama County Tea Par- ty Patriots: 6p.m., Grange Hall, 20794Walnut St. Tehama District Fair board: 1p.m., Tehama Room, Tehama District Fairground, 650Antelope Blvd. WWE self defense train- ing for women: 5:30-7 p.m., 1005Vista Way, Ste. C. 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