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Friday, January 20, 2012 – Daily News 3A Local Calendar Submit calendar items to P.O.Box 220, Red Bluff, 96080 or clerk@redbluffdailynews.com. FRIDAY, JANUARY 20 Red Bluff and Hickory Al-Anon, 6-7 p.m., Presbyterian Church, Jefferson Jim Owens Memorial Ranch Rodeo,Tehama Dis- trict Fairground, 527-5920 Knit for Kids, 9:15 to noon, Presbyterian Church, 838 Jefferson St., 527-0372 Reeds Creek School Board, 1:30 p.m., 18335 Johnson Road, library Los Molinos Central Tehama Little League sign-ups, 6-8 p.m., Lane Tractor Sales, 7980 Hwy 99E, late registration accepted up to Feb. 5 SATURDAY, JANUARY 21 Red Bluff BMX racing, 5:30 p.m., Red Rock BMX Track, Tehama District Fairground, $10 Cruzin'Car Show, 5-8 p.m.., cars and owners show and shine at Hal's Eat 'Em Up, 158 Main St., Free, 366- 3668 Jim Owens Memorial Ranch Rodeo,Tehama Dis- trict Fairground, 527-5920 Weight Watchers meeting, 8:30 a.m., weigh-in starts half-hour before meetings, 485 Antelope Blvd., #N, next to Bud's Jolly Kone, 1-800-651-6000 Los Molinos Central Tehama Little League sign-ups, 10 a.m. to 2 p.m., Lane Tractor Sales, 7980 Hwy 99E, late reg- istration accepted up to Feb. 5 Senior Dance, 7 p.m., Senior Center, Josephine Street SUNDAY, JANUARY 22 Red Bluff Celebrate Recovery, 6-8 p.m., Vineyard Christian Fellowship, 738 Walnut St., 527-2449 WHEEPicnic and Prayer Circle, 4:20 p.m., 22116 Riverside Ave. Corning Evangelist services, 7 p.m., Family Bible Church, 609 Marin St., 824-9989 MONDAY, JANUARY 23 Red Bluff English as a Second Language class, 5:30-8:30 p.m., Red Bluff High School Adult Ed building, 1295 Red Bud, 736-3308, same time Tuesday and Wednes- day and 9 a.m. to 12:20 p.m. Thursdays, free child- carefrom 9 a..m. to 12:20 p.m. classes in Richlieu Hall, 900 Johnson St. Head Injury Recreational Entity, 10 a.m., St. Eliz- abeth Community Hospital, Coyne Center, 529-2059 High school diploma prep class for adults, 3:30- 5:30 p.m., Red Bluff High School Adult Ed building, 1295 Red Bud, 736-3308, same time Tuesday and Wednesday and 3:30-6:30 p.m.Thursdays Key to Life, 6 p.m., Family Resource Center, 220 Sycamore St. Suite 101, 528-8066 Masterworks Chorale rehearsal, 6:45 p.m. to 8 p.m., Red Bluff Presbyterian Church, 838 Jefferson St., 527-4203 Occupy Red Bluff, 11 a.m., Wells Fargo Bank, nativecal574@yahoo.com Red Bluff Community Band rehearsal, 7-9 p.m., Red Bluff Presbyterian Church, 838 Jefferson St., 727- 8744 Salvation Army Writing Class, 9:30-11:30 a.m., 940 Walnut St., 527-8530 Scoring For Freedom Campaign, 4:30 p.m. in the main gym at Red Bluff High, admission waived for past and present military in uniform Sun Country Quilters Community Service Group, 9 a.m.to 3 p.m., Family Resource Center, 220 Sycamore St. Suite 101, 528-8066 Sun Country Quilters Guild Meeting, 7 p.m., Westside Room, Red Bluff Community and Senior Center, 1500 S. Jackson St. TeenScreen Mental Health Appointments, 10 a.m. to 2 p.m., free, by appointment only, Youth Empowerment Services, 1900 Walnut St., 527-8491, Ext. 3012 US citizenship preparation class, 5:30-8:30 p.m., Red Bluff High School Adult Ed building, 1295 Red Bud, 736-3308, same time Tuesday and Wednesday Corning Alcoholics Anonymous, noon Monday through Friday, 5 p.m. Thursday, 7 p.m. Monday, Tuesday and Saturday and 1 p.m. Sunday, 783 Solano St., behind the church Bingo, 5:15 p.m. early bird, 6:30 p.m. regular games, Maywood Grange, Highway 99W just past Lib- eral Avenue, 833-5343 Dance with Juana, noon to 1 p.m., Family Resource Center, 1488 South St., 824-7670 Narcotics Anonymous, and 7 p.m., 820 Marin St., 824-114 or 586-0245, meetings daily through Satur- day, additional meeting noon Mondays Sewing group, 9 a.m., Family Resource Center, West and South streets, 824-7670 Spanish Adult Education, 5 p.m., Family Resource Center, West and South streets, 824-7670 Strategies for Success, Life Skill classes, 1:30 p.m., Family Resource Center, West and South streets, 824-7670 Borrowing and financing, the difference OK, my Dear Readers, I have a question for you: Is there a dif- ference between borrowing and financing? Don't stress. I'll tell you: There is, and under- standing the difference is important to your financial health. Debt is the result of both borrowing and financing. But think of debt as a rope. You can use it to lift, rescue and tie things together, or you can use it to hang yourself. I used to think borrowing and financing were the same. I considered myself involved in high finance with my bevy of credit cards. I charged all kinds of clothes, meals, trips and enter- tainment. We financed the house, the car and countless household appli- ances. It was the same to me. I could have stuff now and pay later. I consid- ered my juggling acts some kind of advanced high finance, and I had to learn the difference between borrow- ing and financing the hard way. Borrowing is the temporary use of a thing or money, while financing implies the management of assets or money. Borrowing creates unsecured debt, while financing creates secured debt. Borrowing is hazardous to your financial health because it offers no alternatives. No escape routes. You borrowed the money, and you must pay it back from future income. And with the unsecured debt, you've eliminated options. Mountains of unsecured debt can tie a per- son to an undesir- able career, squelch opportunities or create heavy burdens that are often unbearable. Depending on future income to pay for today's purchases is choosing financial bondage. That's a crazy way to live. Financing, on the other hand, involves collateral or "security." The borrower pledges property, either real or personal, and agrees to liquidate that thing of value in the event he runs into repayment difficulty. In a financing situation, provision always exists so the debt can be canceled by virtue of the value of the item financed. Mary Hunt Everyday Cheapskate Financing allows a person to use assets to achieve a more useful or pro- ductive result. Financing is a safe, real- istic and reasonable way to purchase a home, for instance. The value of the home secures the repayment. Financing does not presume unrea- sonably on the future. Let's take a real estate purchase, for example. You decide to buy a home, and that cute three-bedroom in the 'burbs seems like a great idea. For now. But 10 years from now, you might develop an unre- lenting urge to move to Tibet. Even though you still owe $190,000 on the house, it's no problem. You sell the proper- ty, pay off the loan, and head for the hills. If that $190,000 represent- ed borrowed funds -- an unsecured debt -- you'd prob- ably be stuck, left to only dream of what mountaintop life might have been had you not so foolishly borrowed away your future. Learn to recognize the dif- ference between financing and borrowing, then avoid borrowing like the plague. Keep any debt confined to secured, safe debt. Your future will be filled with options as you learn to say "No!" to debt that could turn into a noose. Mary Hunt is the founder of www.DebtProofLiving.com and author of 20 books, including her January 2012 release, "7 Money Rules for Life." You can email her at mary@everydaycheapskate.com, or write to Everyday Cheapskate, P.O. Box 2135, Paramount, CA 90723. Utility offers storm preparation tips Be prepared for power outages year-round with these tips: Have battery-operated flashlights and radios with fresh batteries ready. Lis- ten for updates on storm conditions and power out- ages. If your telephone sys- tem that requires electricity to work, such as a cordless phone or answering machine, plan for alternate communication – have a standard telephone hand- set, cellular telephone or pager ready as a backup. Candles pose a fire risk, and you should avoid using them. If you must use can- dles, keep them away from drapes, lampshades and small children. Do not leave candles unattended. Freeze plastic contain- ers filled with water to make blocks of ice that can be placed in your refrigera- tor/freezer during an out- age to prevent foods from spoiling. Blue Ice from your picnic cooler also works well in the freezer. If you have a stand-by generator, make sure that it's installed safely and inform PG&E to avoid risking damage to your property and endangering PG&E workers. Informa- tion on the safe installation of generators can be found on our website at www.pge.com/generator. If your power goes out, unplug or turn off all elec- tric appliances to avoid overloading circuits and fire hazards when power is restored. Simply leave a single lamp on to alert you when power returns. Turn your appliances back on one at a time when condi- Jan. 6-27 First Christian Church, 926 Madison Ave. Jan. 27 - March 2 First Church of God, 1005 S. Jackson St. Dinners on Wednesdays- Feb. 1, 8, 15, 22, 29 at Sun- rise Bible Fellowship, 956 Jackson St. Police reports The following informa- tion is compiled from Red Bluff Police Department, Tehama County Sheriff's Department, Corning Police Department and California Highway Patrol. Arrests •Officers arrested three people Wednesday at an encampment at Dia- mond Avenue and Inter- state 5. Two men and one woman were booked on public intoxication charges. One of the men, Frank Anthony Chir- icuzio, 49, was also booked on two misde- meanor warrants for dis- obeying a court order and public intoxication. Cal- trans employees cleaned up the site Thursday morning. • Robert Lee Brown, 37, was arrested Wednes- day on Tehama Vina Road at Aramayo Way. He had three Yuba Coun- ty sheriff's warrants for his arrest. No further information was avail- able. • Brandon Rene Fitzgerald, 38, of Red Bluff was arrested on Highway 99W at Rodeo Avenue during a traffic stop of a tan and brown 1987 Ford truck. Deputies were given permission to search the vehicle and two others in the vehicle were not cited. Fitzgerald was arrested on an unrelated warrant charging her with fraud to obtain aid of more than $400. She is being held without bail. • Saul Lira-Pinzon, 31, of Red Bluff was arrested Wednesday by a district attorney investigator at Anderson Walnut Shell Ranch. He was charged with perjury and using a false document of citizen- ship. Bail was set at $30,000. Disturbance • Officers were called temporarily to the Red Newly Remodeled! RIDGEWAY PARK RECREATION HALL & GYMNASIUM Available for events, meetings & team practices Tehama County Parks for reservation information Reasonable rates Call An alcohol-free facility 528-1111 tions return to normal. Treat all downed power lines as if they are "live" or energized. Keep yourself and others away from them and immediately call 911 then notify PG&E at 1- 800-743-5000. Before calling PG&E about a power outage: Check to see if other neighbors are affected. If only your residence is without power, check cir- cuit breakers and fuse boxes to see if the problem is limited to the home elec- tric system. After performing the steps above, report your outage to: PG&E's 24- Hour Emergency and Cus- tomer Service Line 1-800- 743-5000. PATH Winter Shelter schedule March 2-16 United Methodist Church, 525 David Ave. March 16-APR 13 North Valley Baptist, 345 David Ave. Dinners on Wednesdays March 21, 28, April 4 and 11, Sunrise Bible Fellowship, 956 Jackson St. April 13-30 Presbyterian Church, 838 Jefferson St. Bluff Community Center Wednesday when a water plan meeting got heated. Although arguing contin- ued, the officers were no longer needed. Theft • An iPhone was reported stolen Wednes- day in the 100 block of Belle Mill Road. Burglary • A residence was reported burglarized Wednesday in the 13000 block of Montecito Road. No further information was available. Animals • A 41-year-old man reported Wednesday that his neighbor's dog came into his yard and attacked his rabbit in the 22100 block of Chase Avenue in Corning. Nuisance • Deputies were called to assist staff from the city of Tehama with giving a citation for violation of the public nuisance city ordinance in the 200 block of Second Street. Hit and run • CHP is looking for a hit and run driver that backed into the front of a parked 1999 Oldsmobile just before 6:30 p.m. Wednesday at the Berren- dos School parking lot, 401 Chestnut Ave., in Red Bluff. Anyone with infor- mation is asked to call the Red Bluff CHP at 527- 2034.