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Ihaveaquirk,akindof brain glitch that annoys me to no end. I cannot easily distinguish left from right. My brain locks up and gives me that in- famous "404 Page Cannot Be Displayed" message. Of course, I blame this on Mrs. Sailor. It goes back to that day in first grade when she called on me to answer a simple "left or right?" question. I froze. I did not know the answer. This was not good for a child who feared punish- ment for even the slightest infraction. Worse, I didn't know how I would ever figure it out. No one else in the class had a problem with left and right. My six-year-old rea- soning concluded that the class had learned left from right on a day I was home sick. She for- got to get me caught up when I returned. I would go 35 years attributing my problem to a missed lesson. Imagine my re- lief the day I learned the whys and wherefores of my personal struggle. I have directional dyslexia type of learning disabil- ity that can be treated quite successfully with a series of simple exer- cises. If I'd only had the cour- age to say I didn't under- stand and to ask for help back then, I might have spared myself a lot of grief. Perhaps you feel this way when it comes to managing your money. It can't be that difficult be- cause everyone around you seems to handle their money just fine. It's as if you were out sick the day everyone else learned the rules of per- sonal finance. I have just the relief you need: seven simple rules of personal finance to live by. If you will take them to heart, make them your own, and exer- cise them daily, I prom- ise they will make things better. You will save your- self a lot of grief and em- power yourself to take control of your personal economy. Rule 1: Spend less than you earn. Sounds so sim- ple, doesn't it? But the truth is that it's as logi- cal as it is misunderstood. Many people miss it. With- out this first rule, you can- not master the next six. Rule 2: Save for the fu- ture. Always save part of your paycheck and all other money that comes into your possession. Do it as if your life depends on it. It may. Rule 3: Give some away. Greed is your enemy. It will ruin your life. Giv- ing is the antidote. Even though you don't have it all, you have enough. Giv- ing some of what you have to someone who has even less is the way you prove it. Rule 4: Anticipate your irregular expenses. Just because your car's tires are holding air and getting you around town doesn't mean they'll be that way six months from now. An- ticipate. Start setting aside a little every week to re- place them. Now apply that to every irregular ex- pense you know is coming down the pike. Rule 5: Tell your money where to go. Give every dollar that comes into your life a job to do, be- fore you allow yourself to spend it. Then make sure those dollars do as they've been told. That's called a budget. You need one. Rule 6: Manage your credit. Like it or not, you live in a society that re- wards those who are cred- itworthy and punishes those who are not. You need to know how to fix, improve and protect your credit score so that it re- mains high. Rule 7: Borrow only what you know you can re- pay. The only safe way to borrow money is to have a means to pay off the debt in reserve. That pretty much rules out unsecured debt. If you have it — pay it off as quickly as possi- ble. Want to learn more about these seven sim- ple rules? Read my book, "7 Money Rules for Life," now in paperback. You can get it at your lo- cal bookstore or online. Want your copy auto- graphed? Go to the book- store at DebtProofLiving. com, and I'll send it out right away. Wouldyouliketosend a tip to Mary? You can email her at mary@ everydaycheapskate. com, or write to Everyday Cheapskate, 12340 Seal Beach Blvd., Ste. B-416, Seal Beach, CA 90740. EVERYDAYCHEAPSKATE Simple rules to live by Mary Hunt COURTESYPHOTO From le : California Highway Patrol Lieutenant and Tehama County Peace Officers Association President Lou Aviles, who is also Scoutmaster of Troop 417, Treasurer Bev Ross and Scout Anthony Aviles. Anthony Aviles is work- ing on his Eagle Scout project, which is to build a Peace Officers Memorial at the Tehama District Fair- grounds. The projected cost is expected to be between $5,000 and $6,000. All monies are to be raised by Aviles and Boy Scout Troop 417 through donations and fundraisers. Aviles' goal is to have the project done in time for the opening of the Te- hama District Fair in Sep- tember. Bev Ross, treasurer of the Tehama County Peace Officers Association, re- cently gave Aviles a dona- tion from association for $1,000. The association would like to encourage Te- hama County service clubs to step in and help out with this worthwhile project. All donations can be made out to Troop 417 and sent to 2550 Main St., Red Bluff, CA 96080, attn: Scoutmaster project coor- dinator. Scoutbuildingmemorialtopeaceofficers EAGLE PROJECT By Jennifer Cooper Good communication is about more than just promptly taking a custom- er's phone call or directing them to a helpful website. It includes providing use- ful information in a clear and easy-to-understand way, in writing, on the web, and over the phone. June is National Effective Com- munications Month, but at Social Security, we're at the forefront of clear, con- cise communications all the time. Our efforts to better serve and clearly commu- nicate with the American public are paying off, and people like you are reaping the benefits. We're proud of our consistently high rat- ings in customer satisfac- tion and usability. In the most recent ForSee E-Government Sat- isfaction survey, Social Se- curity's website outranks the customer satisfaction ratings of the private sec- tor websites of icons like Amazon, LL Bean, and Ap- ple. Out of the top-ranked government websites, five of our sites were ranked in the top six, including the Retirement Estimator, Business Services Online, my Social Security, and our online benefit applica- tion sites. This year, for the second year in a row, we received confirmation that we're do- ing a great job of explain- ing our programs and ser- vices to the American pub- lic in our written products. We scored an "A" on the 2014 Federal Plain Lan- guage Report Card from the Center for Plain Lan- guage. This grade means we're exceeding the stan- dards of the Plain Writing Act of 2010, which requires federal agencies to commu- nicate clearly with the pub- lic. We're the only federal agency to earn this honor for two consecutive years! Not only is our website simple to navigate and un- derstand, our publications and Frequently Asked Questions (FAQ) are easy to read and understand as well. You can browse through our collection of publi- cations at www.socialse- curity.gov/pubs to learn about Social Security, our programs, and what they mean to you and your fam- ily. Many publications are available in up to 17 differ- ent languages, and they're written in plain language. If you prefer a printed copy of a publication, you can call us at 410-965-2039, and we'll mail you a copy. Our online FAQs provide quick and accurate an- swers about our programs for millions of people every year. Recently, we stream- lined and consolidated our FAQs so you can find an- swers easily and efficiently. You can visit www.so- cialsecurity.gov/faq for ac- curate information at your convenience. Nothing is more impor- tant to us than meeting the needs of those we serve. We thank you, our customers, for your valuable feedback and vote of confidence. Our customers continue to ex- press their satisfaction be- cause of our effective com- munication, and we remain committed to maintaining these high standards. Jennifer Cooper is the Social Security manager in Redding. SOCIAL SECURITY Communicating effectively for your benefit David Nathan Simmons from Red Bluff, 26 Description: Male adult, 5'10" tall, 200 pounds, black hair, brown eyes and has numerous tattoos, in- cluding a large tattoo on his neck. Wanted for: Charges in- clude robbery and parole violation, which are both felonies. The bail amount for his robbery warrant is $315,000 and the parole violation w a r r a nt ha s no bail. Anyone with in- formation regarding Simmons' w h e r e - a b o u t s c a n c a ll any local law enforcement agency at any time or dur- ing business hours, or call the Tehama County Dis- trict Attorney's Bureau of Investigations Office at 529-3590. All callers will remain confidential. WANTED Police search for robbery suspect Simmons Gleaners will distribute food as follows in June: Corning, 8 a.m. to noon, Wednesday, June 17, Corn- ing Senior Center, 1015 Fourth Ave. Red Bluff, 8 a.m. to noon, Wednesday, June 17, Food Bank, 20699 Wal- nut St. Rancho Tehama, noon to 2 p.m., Monday, June 15, Recreation Center. Los Molinos, 9 a.m. to noon, Tuesday, June 16, Masonic Hall, 25020 Te- hama Vina Road. All other sites in the county will be at the usual times and places. Applications for food bank cards may be on the day of giveaway. Bring large paper or plastic bags and egg car- tons if possible. New applicants please bring Rent Receipt, PG&E bill or something with a physical address. All income must be re- ported. Income is gross monthly per household not net. Only one card will be is- sued per household. GLEANERS Fo od d is tr ib ut io n sc he du le a nn ou nc ed The Leo T. Clark Chico Iris Club will be holding its second annual potted iris rhizome sale 8 a.m.-2 p.m. June 20 at 570 Vallom- brosa Way, Chico, across from the Sycamore Pool at the One-Mile Recreation Area in Bidwell Park. The iris are perennials that are drought-tolerant when established. There will be more than 200 pot- ted iris. All colors will be avail- able and will include fra- grant iris, re-blooming iris, historical iris (over 30 years since they were registered), and varieties of iris that range from 10 inches tall to near 4 feet tall. Photos will be avail- able to help you choose. There will be many seedlings that have never been offered to the public as yet; you can buy irises that nobody else in this county will have. CHICO Iris Club hosting rhizome sale June 20 PLEASE RECYCLE THIS NEWSPAPER. Areyoumelting? 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