Issue link: https://www.epageflip.net/i/410423
Today REDBLUFF Al-Anon:noon,Presbyte- rian Church, Jefferson and Hickory Alcohol, Anger and Abuse Group: Call for group time and location, 528-0226 Community Dance: 7-10 p.m., Westside Grange, 20794Walnut St. Emblem Club Dinner: 5:30 p.m., Elks Lodge Nurturing Parenting Dads Program: 10a.m. to noon, 1860Walnut St. #D, Shasta Room, call Keith at 527- 8491, ext. 3012 Nurturing Skills for Teen Parents: 9-10a.m., 1900 Walnut St., 527-8491, ext. 3012 Over-eaters Anonymous: 6:30-7:30p.m., St. Eliza- beth Community Hospital, Coyne Center, 528-8937 PAL Martial Arts Women's Self Defense: 5:30-6:30 p.m., 1005Vista Way, Ste. C, 840-0345 Penny Bingo: 9:30a.m., Community Center, 1500S. Jackson St. Red Bluff Kiwanis: noon, Elks Lodge Red Bluff Derby Girls open tryouts and practice: 6:30 p.m., Tyler Jelly building at Tehama District Fairgrounds Team Kid: 5:30p.m., First Southern Baptist Church, 585Kimball Road, 527- 5083 TeenScreen Mental Health Appointments: 10a.m. to 2p.m., free by appoint- ment, Youth Empowerment Services, 1900Walnut St., 527-8491, Ext. 3012 Tehama AIDS Consortium: 5p.m. committee meeting, 5:30p.m. public meeting, St. Elizabeth Home Health Care: 1425Vista Way, 527- 6824 Tehama County Drug and Alcohol Advisory Board Meeting: 6p.m., 1850Wal- nut St., Ste. G, 527-7893 Tehama County Educa- tion Foundation: 7:30a.m., Department of Education, 1135Lincoln St. Tehama County Library story time: 9:30a.m., 645 Madison St. 527-0604 Tehama County Peace Officers Association: 5:30 p.m., M&M Ranch House Tehama County Technical Advisory Committee: 9 a.m., Board of Supervisors Chambers Tehama Shooters Asso- ciation: 6:30p.m., Red Bluff Community Center, 1500S. Jackson St. 527-8727 Waterlabor Class: 6:30- 8:30p.m., St. Elizabeth Community Hospital Colum- ba Room, 888-628-1948 Weight Watchers meet- ing: 9a.m., Hampton Inn, 1-800-651-6000 Widows Association of Red Bluff - Breakfast: 8 a.m., call 527-4659for location Widows Association of Red Bluff - Play Cards: 1p.m., call 527-4659for location Y-FI Middle and High School Youth Group: 6:30- 8p.m., North Valley Baptist Church, 345David Ave., 527-0543 CORNING Corning Rotary: noon, Rolling Hills Casino: Timbers Steak House, 2655Barham Ave., corningrotary.org Communication and Healthy Relationships (Spanish): 6to 8p.m., Family Resource Center, 175 Solano St., 824-7670 Strategies for Success: Life Skill classes, 1:30p.m., Family Resource Center, 175 Solano St.,, 824-7670 VFW Charity Bingo: 6p.m., Corning Veterans Memorial Hall, 1620Solano St., 824- 5957 LOS MOLINOS Bible Study: 1p.m., Sherwood Manor, 7975 Sherwood Blvd. All wel- come., Pastor Clyde Brant, 347-1330 Narcotics Anonymous: 7-8p.m., 25204Josephine Ave, Wednesday and Friday Take Off Pounds Sen- sibly (TOPS): 8:30a.m., 25160Josephine St., 385- 1068Cottonwood Cottonwood Library Story Time: 11:30-12:30p.m., Cottonwood Library, 3427 Main St., 347-4818 Thursday RED BLUFF California HEAT Chorus - Sweet Adelines: 7p.m., Meteer School multipurpose room, 695Kimball Road, 895-0139 Childbirth Class: 6:30- 8:30p.m., St. Elizabeth Community Hospital, Columba Room, 888-628- 1948 Communication and Healthy Relationships (English): 6to 8p.m., Fam- ily Resource Center,, 529- 1500ext 118 Fun Senior Aerobics: 8-9 a.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., Thursdays and Sundays, 311Washing- ton St., tours by appoint- ment,527-1129or 527-5895 Latino Outreach, noon: Family Resource Center, 220Sycamore St. Ste. 101, 528-8066 Live country music: 5-7 p.m., dinner, Veterans Hall National Alliance on Men- tal Illness: 6p.m., Tehama County Chapter Meeting, County Department of Education, 1135Lincoln St.., 515-0151 Painting session, Red Bluff Art Association: 10 a.m., Tehama District Fair- ground, 529-1603 PAL Martial Arts: ages 5-18, 3-5p.m., 1005Vista Way, Ste. C, free, 529-7950 Penny Bingo: 9:30a.m., Community Center, 1500S. Jackson St. Pinochle for Seniors: 12:30-3:30p.m., 1500S. Jackson St., free, 527-8177 Phoenix Community Sup- port Group for chemical dependence: 11:30a.m., Presbyterian Church, 838 Jefferson St., 945-2349 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 Toast- masters: noon, 220Syca- more St. Swinging Squares Square Dance Club: 7p.m., Com- munity Center, 1500S. Jackson St., beginner or review classes: 529-1615 Tehama County Public Health Advisory Board: noon to 3:15p.m., 1860Wal- nut St., Shasta Conference Room, 527-6824 Widows Association of Red Bluff - Dinner: 5p.m., call 527-4659for location CORNING Am-vets: 4p.m., Corning Veteran's Memorial Hall, 1620Solano St. Cal-Fresh and Healthy Family Appointments: 1-3p.m., Family Resource Center, 175Solano St., 824- 7670 Corning Patriots: 6p.m., Senior Center, 824-2332 Diabetes Support Group: noon to 1p.m., Senior Cen- ter, 10154th Ave. Dual Diagnosis Group: 1:30, 1600Solano St., 527- 8491, Ext. 3309 Improved Order of Red- men # 203: 7p.m. Indepen- dent Grange 470, 20945 Corning Road, 824-1114 Nutrition Class: noon to 1:30p.m., Spring Mt. Apts, Edith Ave., Lia Gray, 528- 7947, Free, open to the public Soccer training: 4-6p.m., except for holidays and rain, Woodson School soccer field, 150N. Toomes, 824- 7680 Women's Support Group: 6p.m., Family Resource Center, 175Solano St., 824- 7670 Friday RED BLUFF Bingo: doors at 5p.m., games start at 6p.m. Com- munity and Senior Center, 527-8177 Celebrate Recovery: 7 p.m., Bethel Assembly of God, 625Luther Road, 527- 0445or 366-6298 Red Bluff Rotary Club Sunrise: 7a.m., M&M Ranch Corning Car Show: 5-9p.m., Bartels Giant Burger, 22355Corn- ing Road, local car clubs welcome, 824-2788 ESL/Citizenship classes: 9a.m. - 11a.m., Family Resource Center, 175Solano St., 824-7670 LOS MOLINOS Los Molinos Grange: 7 p.m., Grange Hall, 68th and Singer avenues, 529-0930 Narcotics Anonymous: 7-8p.m., 25204Josephine Ave, Wednesday and Friday Saturday RED BLUFF Airplane Display Days: 8 a.m. to 1p.m., Red Bluff Airport, 1760Airport Blvd., 527-6547 Frontier Village Farmers Market: 8a.m. to 1p.m., 645Antelope Blvd. LOCALCALENDAR DearMary:A year ago, I emailed you about the mess I was in with pay- day lenders. Al- though I had been a member of Debt- Proof Living for years and knew better, am a profes- sional with a mas- ters degree and excellent job, somehow, little by lit- tle, I got caught up in the downward spiral into pay- day loan hell. I was so desperate, I was planning to use one of the companies that adver- tise as "helping" a person pay off these loan sharks. Thankfully, I contacted you about this first, and you warned me not to use them. I contacted NFCC. org, the organization you recommended, and found a CCCS office not far from my city (Graceworks CCCS in Dayton, Ohio). It has not been easy, but I am thankful to report that I have paid off almost $10,000 in those loans and only have two more to go! I can't be- gin to tell you the relief I feel. Ev- ery time I drive by one of the lenders, I get a knot in my stomach and want to run into the store and shout a warning to the people who are borrowing. I keep my focus by remem- bering the horrible feeling at the end of each month, when I got paid, and then having to make my rounds to each of the companies, juggling my money so ev- eryone got paid, and end- ing up with less money for bills every month. Praise God for the ad- vice you gave me and for your daily encourage- ment and help you give me through your daily Every- day Cheapskate column and Debt-Proof Living monthly newsletter. Thank you so much. — Name withheld Dear NWH: You deserve a huge round of applause, and I'm pretty sure lots of readers are joining me in that. I am so proud of you for taking full responsibil- ity, seeking out reputable help and then digging in to do the hard work. You are almost there, so don't let anything keep you from finishing well! Thanks for letting us know about this amazing progress. By the way, I love the name of the group you are working with because, well, grace works! Dear Mary: Earlier this year I inadvertently un- derpaid one of my monthly credit card accounts by $30. They penalized me by increasing my inter- est rate and wanted me to pay more than $400 the following month. I didn't have that kind of money so I didn't pay it. I called and customer service offered to put me on a hardship plan with lower payments of $250 a month for six months. I did that and now they are charging me 32 percent interest on over $9,000. I cannot afford to make the payments. I will never be able to pay it off at this rate. I did nothing wrong except under pay in one month. I recently joined a pro- gram that will negotiate with my creditors on my behalf to pay less than I owe. They told me to not pay my other accounts, which were in good stand- ing for six months to let them "age." Now my credit is really bad. I don't know what to do. Please help me. — Rosa Dear Rosa: Underpay- ing a credit card account is about the same as not paying at all for all the damage it will do. You al- lowed your account to be- come delinquent. Had you restored the $30 under payment plus penalties in the following month, you probably would have been OK. But since you didn't, your company slapped you with an interest increase to 32 percent. Ouch! By accepting reduced payments, but you have to understand that you were not even paying the inter- est each month. Instead of your balance going down, your balance grew each month by the amount of unpaid interest. Now it is like a runaway train. I am so sorry you got suckered into signing up with one of those slimy negotiation outfits. For them to have ad- vised you to stop paying your other creditors to al- low your accounts to "age" was ludicrous, if not ille- gal. What they're doing is making you look like you're one step from bank- ruptcy so your creditors will be more "cooperative." Now that I've managed to depress you even more, let me give you a positive suggestion: Please go to National Federation for Credit Counseling (NFCC. org or 800-388-2227). You will be immediately con- nected to a reputable CCCS credit counseling of- fice in your area run by folks you can trust. You must understand that you have done great damage to yourself by be- lieving this company that said you should stop pay- ing your bills. If anyone can assist you in turning this around, CCCS can. And if not, they will advise you on your best course of action. 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 Hope and help for troubled debtors Mary Hunt Mike Lindsey, NCCDI Parent Involvement & Fatherhood Coordinator rides the smoothie bike at the 10th annual Parentís Choice Conference. Tehama County par- ents spent Oct. 24 engag- ing with each other and the community at this year's Parents Choice Confer- ence, sponsored by North- ern California Child Devel- opment Inc. The theme for the year was Strength through Di- versity, which was high- lighted by a keynote ad- dress from Randy Bear Ribs, member of the Stand- ing Rock Sioux Nation of South Dakota and North Dakota. He shared his family background as a descen- dant of Chief Bear Ribs of the Hunkpapa Lakota on his father's ancestral lin- eage and Chief Rain in the Face of the Hunkpapa La- kota on his mother's an- cestral lineage and his ex- periences with father in- volvement and the need for ongoing education. Participants attended workshops on Cooking with Kids, Family Budgeting, How to Make More Money, Expungement, Positive Dis- cipline, and Healthy Rela- tionships. A highlight was a work- shop presented by NCCDI staff member Amanda Blake on Nurturing a Child's Heart. The packed room was treated to a dis- cussion on the Nurtured Heart Approach, which in- volves using positive rein- forcement and specific ver- bal recognition in order to increase desired behaviors and reduce undesired be- haviors all within the con- text of building children's inner wealth. Community groups and agencies hosted informa- tional booths. The Child Abuse Prevention Coun- cil was on hand to discuss shaken baby syndrome. UC Extension, Tehama County Public Health, and Chico State shared nutrition in- formation and participants were able to have a go on the smoothie bike, a bicycle that, when ridden, operates a blender on the back. Participants also vis- ited booths featuring fam- ily planning information, tobacco cessation and pre- vention, and immigration support. For more questions about NCCDI and Head Start/ Early Head Start, call 529- 1500. PARENTS Parents Choice Conference held RUNNINGS ROOFING SheetMetalRoofing ResidentialCommercial • Composition • Shingle • Single Ply Membrane Ownerisonsiteoneveryjob ServingTehamaCounty 530-527-5789 530-209-5367 No Money Down! "NoJobTooSteep" " No Job Too Flat" FREE ESTIMATES CA. LIC#829089 LicensedCNA Wanted RedBluff ExcellentpayandBenefits Join our friendly team. Apply in person at Brentwood 1795 Walnut St. in Red Bluff or call Dan at 530-527-2046 Servicingyourdisposalneedsin Tehama County, and the City of Red Bluff including Residential, Commercial, and Temporary bin services. GREENWASTEOFTEHAMA A WASTE CONNECTIONS COMPANY 530-528-8500 1805 AIRPORT BLVD. RED BLUFF, CA GreenWasteisaproud supporter of local events. 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 Buy1entréeget 1 /2 off 2 nd entrée *equalorlesservalue,dineinonly Open Tues-Sat www. palominoroom .com 723 Main St. 527.5470 100JacksonStreet, Red Bluff (530) 529-1220 NEW Membership Specials CallorComeIn for details LIFESTYLES » redbluffdailynews.com Wednesday, November 5, 2014 » MORE AT FACEBOOK.COM/RBDAILYNEWS AND TWITTER.COM/REDBLUFFNEWS C4