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Brentwood Skilled Nursing & Rehabilitation is hosting its free annual trick-or-treat and haunted house 6-8p.m. Friday, Oct. 31. Come join in celebrating a safe and sane Halloween for the community. If you have any questions, call Activity Director Susan Phillips at 527- 2046. TRICK-OR-TREAT Nursing home to host Halloween event Doyouneedpublictran- sit? Voice your opinion at 11 a.m. Thursday at the Corn- ing Senior Center, 1015 4th Ave., or at 1:45 p.m. at 794 3rd St. in the City Council chambers. Come provide your input on plans to improve transit service for Tehama County residents. There will be an update to the county's Co- ordinated Transit Plan. Te- hama County is encourag- ing the community to pro- vide input on the new plan and share thought on so- cial service transportation needs and issues. If you can't make it, you may email comments to coordplan14@pacific. edu or give input online through a survey at www. surveymonkey.com/s/te- hamacp14. Or you may call to schedule a phone survey or request a paper survey by calling toll free 844 462-9040. All comments are due by Nov. 14. TreatStreet This Friday some of the Solano Street businesses will be participating in the Halloween treats give-away 2-5 p.m. Parents can bring their little ones to receive a treat from participating businesses. There are partic- ipants from Marguerite Ave- nue, Rancher's Deli, to Edith Avenue. The Corning Cham- berofCommerce,1110Solano St.,willalsobeparticipating. Look for businesses with the orange and black flier in the window,indicatingthatthey are participating. Miss Corning Scholarship Pageant The Miss Corning Schol- arship Pageant is scheduled for 7 p.m. Saturday, Nov. 8, at Corning High School gym. The program is free and it promises to be a fun and entertaining evening. Little Miss Christmas Applications are still available for girls between 4 and 6 years old to en- ter the Little Miss Christ- mas Pageant that will be held at 7 p.m. Friday, Dec. 5, at Woodson Elementary School. Entry fee is $10 plus a $10 unwrapped toy to be donated to the fire- men's toy drive for Christ- mas. You may pick up an entry form at the chamber office at 1110 Solano St. or visit www.corningcacham- ber.org. The deadline to enter is Nov. 21. CORNING CHAMBER Input sought on public transit Whether you have young children or not, you're probably well aware that Halloween is almost here. However, despite the plethora of skeletons and ghosts you might see float- ing around this week, you probably don't have much to fear (except, possibly, running out of candy). But in real life, some things genuinely are frightening — such as "scary" invest- ment moves. Of course, investing, by its very nature, is not a risk-free endeavor. Ide- ally, though, these risks are also accompanied by the possibility of reward. Nonetheless, some invest- ment moves carry very lit- tle in the way of "upside" potential and should be avoided. Here are a few to consider: Not investing — The scariest investment move you can make is to not in- vest at all — because if you don't invest, you are highly unlikely to achieve a com- fortable retirement or meet any other important financial goals. In a recent survey conducted by the National Council on Ag- ing and other groups, 45% of the respondents who were 60 or older said they wished they had saved more money, and almost one-third said they wished they had made better in- vestments. So make in- vesting a priority — and choose some investments that have the potential to provide you with the growth you'll need to meet your objectives. Overreacting to "scary" headlines — The finan- cial markets like stabil- ity, not uncertainty. So the next time you see some news about domestic po- litical squabbles or unset- tling geopolitical events, such as conflicts in foreign lands, don't be surprised if you see a drop, perhaps a sizable one, in the Dow Jones Industrial Average and other market indices. But these declines are usu- ally short-lived. Of course, the markets do not exist in isolation — they can and will be affected by what's happening in the world. Yet, over the longer term, market movements are mostly governed by mun- dane, non-headline-grab- bing factors, such as cor- porate earnings, interest rate movements, per- sonal income levels, and so on. Here's the point: Don't overreact to those scary headlines, or even to short-term market drops. Instead, focus on the fun- damentals driving your in- vestments — and maintain a long-term perspective. Chasing hot invest- ments— You can receive tips on "hot" investments from multiple sources: television, the Internet, your friends, your relatives — the list goes on and on. But by the time you get to these investments, they may already have cooled off — and, in any case, may not be appropriate for your needs. Stick with in- vestments that offer good prospects and are suitable for your risk tolerance. Failing to diversify — When it comes to invest- ing, "too much of a good thing" is a relevant term. If your portfolio is dom- inated by one type of as- set class, such as aggres- sive growth stocks, and we experience a down- turn that is particularly hard on those stocks, you could face sizable losses. But if you spread your in- vestment dollars among growth stocks, interna- tional stocks, bonds, gov- ernment securities and certificates of deposit (CDs), you can lessen the impact of a market drop. Keep in mind, though, that while diversification can reduce the effects of volatility, it can't guar- antee a profit or prevent losses. Halloween is over quickly. But scary invest- ment moves can have a lasting effect — so stay away from them. Thisarticlewaswrit- ten by Edward Jones for use by your local Edward Jones Financial Advisor. Tyler Smail is a financial advisor for Edward Jones, his office is located at 733 Washington St. in Red Bluff. He can be reached at 529-3627 or tyler.smail@ edwardjones.com. FINANCES Avoidthesescaryinvestmentmoves Cornerstone Community Bankannouncedrecentlyits financialresultsforthethird quarter ended Sept. 30. The bank reported net income of $225,000 for the three months ended Sept. 30, compared to net in- come of $295,000 for the same period last year. Cur- rent quarter results were impacted by the $151,000 provision for income taxes as the bank became fully taxable during 2014. Income before income taxes increased by 27% for the quarter, compared to the same period last year. Diluted earnings per share for the quarter were $0.17 compared to $0.23 for the same period last year. The return on average assets for the quarter was 0.60% and the return on average equity was 6.78%. "During the last 12 months, the loan portfolio has increased by an average of $2.4 million per month," said President and CEO Jeff Finck. "Credit quality re- mains excellent with only $60,000 in nonperform- ing assets at quarter-end. Our continuing growth is the direct result of a ded- icated staff and customers who appreciate a true com- munity bank experience." Net interest income of $1,563,000 for the quarter represented an increase of $387,000, or 33%, from $1,176,000 for the same quarter one year earlier. The bank had total as- sets at Sept. 30 of $144.9 million, compared to $122.8 million at Sept. 30, 2013, representing growth of $22.1 million, or 18%. Total loans outstand- ing at Sept. 30 were $116.0 million compared to $87.4 million a year ago, rep- resenting an increase of $28.6 million, or 33%. Total deposits were $131.1 million at Sept. 30 compared to total depos- its of $110.2 million a year ago, representing an in- crease of $20.9 million, or 19%. CORNERSTONE Local bank reports third quarter results Students who want a fun way to help fund their savings goals have an opportunity to com- bine their technical savvy and creativity to win up to $6,500, plus $750 for their school, by entering the American Bankers As- sociation's (ABA) "Lights, Camera, Save!" video con- test. "U.S. Bank looks forward to this video contest every year because there are so many creative entries," said Erica Opstad, manager of U.S. Bank's Office of Corpo- rate Citizenship and Finan- cial Education. "We have re- ceived a lot of positive feed- back from students, parents and educators. We hear over and over again how much fun the students had writ- ing and producing a 90-sec- ond video that combines the message of why it's impor- tant to save money and how to do it." The video contest en- courages teens to use video to communicate the value of saving and inspire oth- ers to become smart money managers. To participate in the con- test, students ages 13 to 18 can visit a U.S. Bank branch or visit http://www.usbank. com/lightscamerasave for an entry form and con- test details. U.S. Bank will host the first round of judg- ing and will submit the top three winning videos to compete on the national level. Contestants need to sub- mit the video's URL along with a completed entry form to U.S. Bank through Dec. 1. YOUTH Bank hosts video contest for teens The Tehama County Em- ployer Advisory Council In partnership with The Em- ployment Development De- partment will present an annual labor law update by Bruce Matlock, attorney. The seminar is sched- uled for 8:30 a.m. to noon Wednesday, Nov. 5, at the Te- hama County Department of Education, 1135 Lincoln St., Red Bluff. Check in starts at 8:15 a.m. and continental breakfast will be provided. Cost is $30 for members and $40 for non-members. Day of admission is $45. Matlock is an attorney with more than 30 years experience in human re- sources and employment law. He provides represen- tation and consultation to a wide variety of employers throughout California. Payment and registra- tion is available throught PayPal at http://ceac.org/ region_1/tehama_county_ eac/tehama_calendar/. Make checks payable to TCEAC and mail with reg- istration form to Tehama County EAC, P.O. Box 303 Red Bluff, CA 96080. 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