Issue link: https://www.epageflip.net/i/419661
DearMary: My son is saving cash in envelopes. That seems kind of cumbersome. What is your opin- ion? Why not in a savings account and keep track of the amounts for each category? — Dick Dear Dick: I agree. Kids need savings ac- counts. In my book, "Raising Financially Con- fident Kids," I recom- mend that kids be re- quired to save at least 10 percent of everything they receive in a real sav- ings account, in a bank or credit union. Of course, your son could save more than 10 percent, and keep a re- cord for how much in his savings account he is al- locating for say "College Savings" or "New Bike" "Summer Camp" an so forth. Since most banks now allow customers to track their accounts online, your son could watch his money closely via com- puter or other mobile de- vice. Tell him that I'm proud of him and those enve- lopes! Not many kids are aware of how important it is to take good care of their money. But now he needs to learn about a real, live bank, too, by keeping some of his money there. Dear Mary: Your col- umn is the first thing I turn to in my paper. I have a problem with a cellphone provider and need your help. When I purchased my service from Veri- zon, they stated a fee for all the services. Later I found out they had in- cluded a feature called a HOT SPOT which 1) I did not request, 2) I would not use because 3) I did not I did not know the technology. I discovered this in Au- gust 2014. This feature never appeared on my ac- count billing: two years at $20 a month or $480 total for a non-requested, unidentified service. The manager of the local Verizon office de- nied it first and then said nothing could be done. He was unwilling to help. What would you do to resolve this situation with a company that don't seem to have any rules? I called and wrote (with documentation) to the Minnesota State Attorney General's office and they responded that basically they never get involved. — Jan Dear Jan: I would gather up all of my doc- umentation, write out a detailed recount of events and march straight to the local Small Claims Court. This is a practice known in the industry as "cram- ming," where small charges are added to a bill with the subscriber's consent or disclosure. These may be dis- guised as a tax or some other common fee, and may be several dollars or even a few cents. The crammer's intent is that the subscriber will overlook and ulti- mately pay these small charges instead of fight- ing them. I think you have a great case here. Small Claims courts exist for this kind of dispute and make a way possible for ordinary people to have their cases heard in court. Typically a filing fee will be $15 to $35. That's all you would have to lose, and a whole lot more to gain. I hope you take action. A simple Internet search for "How to File a Case in Small Claims Court" will give you a great deal of information and con- fidence. If you carry through, be sure to let us know how this turns out. 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 Every kid should have a real bank savings account Mary Hunt The women of the Color in Motion 2014 run and the committee responsi- ble for highlighting the National Girls and Women in Sports Week in Tehama County presented checks for $1,000 to Soroptimists International of Red Bluff and the Tehama Education Foundation. "This has been a very fun and rewarding proj- ect," said Aubrie Stroman- Thomas of Tehama Family Fitness. The fitness center was a main sponsor of the Color in Motion run along with Walmart Distribution Cen- ter and Rolling Hills Ca- sino. The event was held on March 8 at Red Bluff High School with the hope of raising awareness about the importance of physical activity and girls' and wom- en's athletics. "We have enjoyed a very productive and posi- tive relationship with Dig- nity Health focused on the health and wellbeing of women, providing the pancake breakfast and sup- porting the importance of athletics in the lives of girls and women aligns with the principal focus of Soropti- mists," said Joyce Mayo, Soroptimists member and key organizer of the pan- cake breakfast that imme- diately followed the run. "We weren't sure if we would make enough money to give back to a commu- nity service club or board to benefit education. Imag- ine our joy when we dis- covered our costs were covered by grants and (St. Elizabeth Community Hos- pital), which allowed us to donate the $2,000 to these very important Tehama County groups," said Kris Behrens, Dignity Health di- rector of Support Services. The idea for the National Girls and Women in Sports effort was introduced by Tehama Education Foun- dation board member Shel- ley Macdonald and orga- nized by Dignity Health, Behrens, Stroman-Thomas and a significant group of highly committed women including Karrie Roth, Red Bluff High School nurse and teacher and Soropti- mist board member; So- phia Swarthout, co-owner of Wink fashion salon; Beth Birk, Safe Education and Recreation for Rural Fami- lies; Sharon Sinclair, nurs- ing Department of Educa- tion; Tammy Wood, speech pathologist Department of Education; Joyce Mayo, Soroptimist; and Grace Hendricks, Red Bluff Union High School District office. The next Color in Motion run is scheduled for March 7, 2015 and is expected to be bigger and better as the team has partnered with Color Dash and Aaron Hutchinson, professional color run organizer. "The 2015 run will have the same supportive, fun filled energy, a burst of color power and energy in- fused into the event with the assistance of Aaron and his team," Behrens said. Registrations will be available soon on social me- dia and websites. Proceeds from the event will benefit a scholarship fund created by the National Girls and Women in Sports commit- tee. The scholarship will benefit the girls of Tehama County who have enjoyed sports during their high school years and have suc- cessfully applied for higher education. DONATION Fu n dr ai se r be ne fit s tw o gr ou ps COURTESYPHOTO Committee members pictured, from le , at Enjoy the Store of Red Bluff, are Karrie Roth, Kristin Behrens, Tammy Wood, Shelley Macdonald, Beth Birk and Aubrie Stroman-Thomas. Today REDBLUFF California HEAT Chorus - Sweet Adelines: 7p.m., Meteer School multipurpose room, 695Kimball Road, 895-0139 Communication and Healthy Relationships (English): 6to 8p.m., Family Resource Center,, 529-1500ext 118 Community Action Agency: 3p.m. Board of Supervisors chambers Democratic Central Com- mittee of Tehama County: 5:30p.m., Patio Room, Lariat Bowl, 365S. Main St. Fun Senior Aerobics: 8-9 a.m., $1, Community Center, 1500S. Jackson St. 527- 8177 Good Morning, Red Bluff: 7:50a.m., Express Employ- ment Professionals, 243S. Main St. Grief Support Group: 3 p.m., St. Elizabeth Commu- nity Hospital, Coyne Center, Kristin, 528-4207 Imagination Train sto- ryhour: 4p.m., Tehama County Library Kelly-Griggs House Museum: 1-3p.m., 311 Washington St., group tours by appointment, 527-1129 or 527-5895 Live country music, din- ner: 5-7p.m., Veterans Hall Painting session, Red Bluff Art Association: 10 a.m., Tehama District Fair- ground, 529-1603 PAL Martial Arts: 3-5p.m., 1005Vista Way, Ste. C, ages 5-18, free, 529-7950 Passages caregiver sup- port group: 10a.m., Com- munity and Senior Center, 1500S. Jackson St., 229- 0878or 800995-0878 Penny Bingo: 9:30a.m., Community Center, 1500S. Jackson St. Phoenix Community Sup- port Group for chemical dependency: 11:30a.m., Presbyterian Church, 838 Jefferson 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 Joint Union High School District Board of Trustees: 5:30 p.m., 1525Douglas St. Red Bluff Lions Club: 6 p.m., Veterans Memorial, 527-6616 Red Cross Disaster Volun- teers Meeting: 6-7:30p.m., CalFire headquarters, 604 Antelope Blvd., north side of Antelope, 934-5344 Reeds Creek School Dis- trict Board of Trustees: 4:40p.m. Rock Choir: 4p.m., 601 Monroe St., free, all wel- come Sacramento River Dis- covery Center Thursday Evening Program: 7p.m., 1000Sale Lane, 527-1196 Senior Chair Volleyball: 1p.m. Community Center, 1500S. Jackson St. Sunrise Speakers Toast- masters: noon, 220Syca- more St. Support group for pet loss: 2p.m., Family Service Agency, 1347Grant St., 527-6782 Swinging Squares Square Dance Club: 7p.m., Com- munity Center, 1500S. Jackson St., beginner or review classes, 529-1615 Tehama County Health Planning Council, noon: Elks Lodge, 355Gilmore Road Tehama County Planning Commission: 9a.m., board chambers, 745Oak St. Widows Association of Red Bluff - Dinner: 5p.m., call 527-4659for location CORNING Cal-Fresh and Healthy Family Appointments: 1-3p.m., Family Resource Center, 1488South St., 824-7670 Calendar Complimentary Lifestyle Coaching Needhelpovercomingbadhabits? Struggling with depression, diabetes, hypertension, heart disease? Need a friend to come alongside and hold you accountable? Interested in improving your diet or losing weight? Wish you knew a health-care professional who has time to listen? Adventist Compassion Care, a non-profit organization sponsored by the Red Bluff Seventh-day Adventist Church, is launching a new service offering free lifestyle coaching. Physicians and dentists will be available every Saturday from 9:30 – 10:30 to counsel with anyone who would like to improve their quality of life, either physically, mentally or spiritually. 527-3733 The location is 720 South Jackson Street Red Bluff. Children'sprogrammingavailable LIFESTYLES » redbluffdailynews.com Thursday, November 20, 2014 » MORE AT FACEBOOK.COM/RBDAILYNEWS AND TWITTER.COM/REDBLUFFNEWS A4