Issue link: https://www.epageflip.net/i/424106
The email contained a single word in the subject line: Help! The sender, I'll call her Emily, had been asked to give a 15-min- ute presentation on how to achieve financial free- dom. She was honored to have been asked, but pan- icked at the thought. She asked if I could help her. My first thought was I can't even introduce my- self in 15 minutes. How could I, Emily or anyone else tackle that subject in just 15 minutes? But then I got to thinking about it. If money management, as I believe, is not that diffi- cult, why couldn't she do it? Why couldn't I do it? I decided to give it a try. Save. Do not confuse saving money with spend- ing less, as in "I save money when I buy things on sale." You are not sav- ing at all; you are spend- ing less. Saving money means that you actually put money into a safe place for some future time. Do that. Starting right now and forevermore, make it a rule that you will put some amount of your paycheck into a savings account be- fore you spend any of it. Make it automatic and you won't miss what you don't see. Goal: 10 percent of all you receive goes straight into savings. Give. Give away the same amount as you save. Just give it away — no strings attached — as an act of gratitude for what you have and how you are blessed. Goal: Give away 10 percent of all you receive. Live. Rein in your life- style so that it fits into 80 percent of your net income. Cut back your lifestyle. Re- duce your spending in ev- ery area of your life by a small amount, and you will be able to achieve this goal — probably sooner than you ever dreamed. Credit. You need only one credit card. Pick the MasterCard or Visa you've had for the longest time. Cut up all the others. Now you cannot use them. If you have a balance on the one card you keep, do not carry it with you. You've given up that privilege until you are able to pay it down to $0 every month. Debt. The only debt that is safe for you to carry is secured debt (mortgage, car or anything with col- lateral). All others are dangerous to your wealth. Make a plan to pay off all of your credit card debts quickly. This is critical to your financial health. Cash. It's proven that you will spend about 30 percent more if you de- pend on plastic to pay for day-to-day spending. Leave the plastic at home. Live as much as possible with cash. Inconvenient? Yes. That's the point. Plan. Society wants you to believe that living spon- taneously brings freedom. Just the opposite is true. You need to have a spend- ing plan (a way that you "pre-spend" your pay- check on paper) so that you know ahead of time where the money will go. Write it down and then stick to it. Support. You need to know that you are not alone. The best way to do that and to keep your fo- cus every day is to get sup- port. There are thousands of people getting control of their financial lives. Go to EverydayCheapskate. com to sign up to receive daily support and encour- agement in your email box. Visit DebtProofLiving.com every day. Join in and get involved. So there you go, Emily. Financial Freedom in 450 words, or 15 minutes de- pending on how fast you speak. 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. EVERYDAYCHEAPSKATE 15minutesto financial freedom YREKA The Klamath Na- tional Forest recently com- pleted the scoping phase for the Westside Fire Recovery Project. More than 1,600 com- ments from the public were submitted to the U.S. For- est Service in response to the project. The comments will be used to help formu- latedifferentapproachesfor post fire restoration. "We received a wide va- riety of viewpoints on the project," said Forest Super- visor Patty Grantham. "We appreciate the public taking the time to comment." The Westside Fire Recov- ery Project's objectives are a three-pronged effort: re- duce safety hazards to For- est users, adjacent land- owners and Forest work- ers from falling trees and hazardous fuels condi- tions; to obtain the maxi- mum economic value from burned timber; and in- crease the likelihood and speed by which the burned forest areas are regener- ated. Included in the proj- ect are four treatments: salvage, roadside hazard treatments, hazardous fu- els treatments and site preparation, planting and release. Approximately 10,600 acres are identified for po- tential salvage treatments, 678 miles of roads will be evaluated for roadside haz- ard tree removal and an- other 11,411 acres will be treated for hazardous fuels, especially within the Wild- land Urban Interface. Site preparation,plantingandre- lease activities will address an additional 20,000 acres. "Restoration of the landscape is a priority," Grantham said, "the re- moval of dead trees is con- sidered part of the restora- tion process as it mitigates falling tree hazards, cre- ates desirable seedling con- ditions, and reduces fuel buildups." While the recent scoping period has closed for public comment, Grantham stated that the U.S. Forest Service continues to welcome the public's remarks. Anyone wishing view the documents associated to the project, read public comments as well as sub- mit comments can do so at the forest's website, http:// www.fs.usda.gov/klam- ath/, and click on the link to the Westside Fire Re- covery Project. Comments can also be emailed to klamathinfo@fs.fed.us or wcoats@fs.fed.us. The next formal com- ment public comment pe- riod will be in mid-March after the release of the Draft Environmental Impact Statement (DEIS). KLAMATH FOREST Scoping completed on fire recovery project A Rancho Tehama As- sociation candidates night is scheduled to be held at 6:30 p.m. Wednesday, Dec. 3, at the Community Cen- ter in Rancho Tehama on Park Terrace Road. Questions will be asked by the moderator and by the audience of those seek- ing election to the Board of Directors of the Rancho Tehama Association. The following members are running for five pos- tions on the board: Juan Caravez, Fred Casey, Tom Gano, Malia Hard, Ruth Haskell, Linda Jones, Janice Menzies, Michael Pierce and Anders White. Rancho Tehama is a pri- vate community consisting ofmorethan2,000residents and about 2,000 lots. It is 12.5 miles west of Interstate 5 between Red Bluff and Corning and is governed by the Rancho Tehama Home- owners Association. The community has a private airport, an elemen- tary school, two churches, two grocery stores, two restaurants, a post office substation, and a commu- nity center. It is home to many clubs and organiza- tions including Tehama County Fire Department Station 13 and Old Tim- ers Fire Fighters, VFW Post 11188, VFW Auxiliary 11188, Rancho Tehama Community Foundation, Fun For Kids, Girls Scouts, Brownies and Daisy Troop, La Familia Guadalupana Dance Club, Craft Club, Flying Club, RT Yolla Bolly Antique Car Club, Lan- guage Club and a School Parents Association. Events hosted monthly or annually include Cook- ing for Kids classes, Glean- ers Food Bank, a Valen- tine's Day dinner, a Cinco de Mayo event, a Fourth of July parade, an autumn barbecue at the Commu- nity Dinner, an Our Lady of Guadalupe celebration, a tree lighting ceremony and parade including a visit from Santa, and a Christ- mas party for children. Rancho Tehama publi- cations include the asso- ciation's newsletter, The Trailblazer, as well as a community newsletter called "The Rattler." For further information, call the Rancho Tehama As- sociation at 530 585-2444. RANCHO TEHAMA Association to host candidates night Wednesday COURTESYPHOTO RevereWalkerHuttonwasbornat12:23a.m.Nov. 20, 2014, weighing 9 pounds, 10.4 ounces. Parents are Jeremy and Heather Hutton, brothers are Coen and Casey Hutton. BIRTH By John Minchillo Associated Press WEST WINFIELD, N.Y. On a cold and rainy November morning, farmers Mary Carpenter and Paul Dench- Layton waded arm-in-arm into the large soggy pad- dock that's home to their Broad Breasted Whites, nearly 250 gobbling, bark- ing, and bumbling Thanks- giving turkeys. The husband-and-wife team that owns and op- erates Violet Hill Farm, a 200-acre spread nestled in upstate New York's Mo- hawk Valley, began catch- ing the birds by hand days ahead of the year's busiest market week. Together, with their two young chil- dren close by, they worked around the clock to slaugh- ter and dress the animals before a four-hour drive south to Manhattan's Union Square Market. There, loyal customers ea- gerly awaited their organic, non-GMO fed gobblers. This year's lot sold out well before anyone thought to pre-heat their ovens. The work is back-break- ing and time is short, but for the farmers it is worth it. "The market for me, that's my reset button, be- cause it can get so stressful and overwhelming and ex- hausting," said Carpenter. "We go to the market and we have people who bring their families to come meet their farmers. It is like an extended family. It sounds cliche and hokey, but it re- ally does become that. You know a lot about your cus- tomers and they show you pictures and they know your kids' names." Buyers say knowing the people who grow their food makes a difference. "When you shop at the same vendor for the same thing all the time, you start to develop a connection," said Karma Hara, one of Violet Hill's regular and en- thusiastic customers. "I get an email every year, three weeks before Thanks- giving. . Mary has my email address, and many other people's too, but it feels personal, and she sends an email and it says 'OK we're starting to take deposits for turkey now,' and I don't get that email from Whole Foods ... and I wouldn't give my email to Whole Foods." But bottom line is the taste. Is fully-pastured fresh turkey really all that different? "I originally tried one of their chickens and it was probably the best chicken I've had, ever, and so I started shopping for chicken from them and then they offered turkeys that first year. I ordered one, and the rest is history," said Hara. "I buy my turkey from them every year. Even if I travel for Thanksgiving, then I just cook Thanksgiv- ing early on the Saturday before." AGRIGULTURE Tu rk ey f ar me rs connect with NYC buyers beadadtoday. Take time to C a l l 8 7 7- 4 D A D 4 11 o r v i s i t w w w . f a t h e r h o o d . g o v Thankyou! 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