Issue link: https://www.epageflip.net/i/577975
DearMary:Iwaswon- dering how you feel about relying on homeowners insurance for getting a roof re- placement. I have had State Farm homeown- ers insur- ance since 1995 and have never made a claim. But now the 20-year-old roof on my house has suffered hail damage. Should I pay for the roof, or should I file with insurance to have it fixed? I'm concerned about the risk of having my pre- mium increased or the in- surance canceled. Any ad- vice would be very helpful. Thanks and keep up the great work. — Mark Dear Mark: First, make absolutely sure that the damage is more than cos- metic. If you determine that in fact the hail dam- age is significant enough to require repair or re- placement to preclude fur- ther harm, I suggest you file a claim. Find out how much the insurance com- pany will cover for repair or replacement. If they base the claim on depre- ciating the value of the 20-year-old roof (most likely), you may decide against going through with a claim because the damage amount they will pay is lower than your de- ductible. If, on the other hand, you have full re- placement coverage (not likely, but possible) and this will preclude you from having to cover the cost out-of-pocket once the de- ductible is met, I'm pretty sure I would go for it, all things considered. You can file a claim, re- ceive the insurance com- pany's offer and at that time decide which way to go. Dear Mary: My daugh- ter and son-in-law did not pay up a credit card many years ago. They had been in financial trouble due to unemployment. Now they have to pay a fine with the IRS, and the IRS has set up payments for that fine. The IRS claims they are being fined for this for- giveness. What do you think? Dear Noreen: From what you tell me, it ap- pears that this credit card debt was charged off by the creditor. The borrow- ers defaulted on their debt, so the creditor did a legal maneuver and wrote it off as a bad debt against their taxes. The law re- quires that when this hap- pens, the creditor must file a Form 1099 with the IRS, declaring that the amount written off now becomes ordinary income for bor- rowers who defaulted on the loan. The amount written off plus accumulated interest and penalties owing at the time of the charge off is now considered ordinary income to your kids. The IRS is requiring them to pay the taxes they owe, le- gitimately, on money they received. This will not go away. The IRS will charge interest and penalties. Left unpaid, it will just grow and grow. And grow. The last entity on earth any- one wants to owe money is the IRS. While they didn't ask, I'll offer my unsolic- ited advice: Do whatever it takes to pay the IRS in full, as soon as possible, if not sooner. In addition to owing taxes on the charge-off, this will go on your kids' individual credit files as a "charge-off," which is just one level above bank- ruptcy as credit report- ing goes. It will remain for up to seven years and make it difficult for them to borrow in the future. And maybe that's a good thing. 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 Hail damage is bad, but better than debt to IRS Mary Hunt A workshop scheduled for Oct. 10 will explore the diverse array of edible and medicinal biennial and pe- rennial plants found grow- ing throughout California, with an emphasis on those native to the region. This academic immer- sion into the world of use- ful California plants is guaranteed to not only en- lighten and inspire, but also aims to instill a sense of hope for a more sustain- able future in all who par- ticipate. The morning session will consist of an interactive lec- ture and slideshow; in the afternoon the class will stroll the trails of nearby Bidwell Park and observe more closely the great di- versity of plant specimens growing there. Tellur Fenner is a clini- cal herbalist and educator. He lives on an 80-acre par- cel west of Ukiah where he runs his business, Blue Wind Botanical Medicine Clinic and Education Cen- ter. This workshop will be from 10 a.m. to 4 p.m. in 129 Holt Hall at CSU, Chico. Cost is $45 per- sonal and $40 for mem- bers of the Friends of the Herbarium. Register in advance or for more information, call 898- 5356 or epurvis@csuchico. edu. Detailed workshop de- scriptions and sign up forms are available on www.csuchico.edu/biol/ Herb/Events.html. CHICO STATE Edible,medicinalrootsand barks workshop is Oct. 10 The Health Partner- ship, in partnership with School Readiness and First 5 Tehama, is happy to an- nounce the 6th year of the "No Butt's Left Behind" di- aper drive campaign. Families are forced to make difficult decisions daily — one of those deci- sions should not be whether to buy a sack of groceries or buy the pack of diapers. Here are some diapering hard facts: The condition of not having a sufficient supply of clean diapers to ensure that infants and toddlers are clean, healthy and dry, can adversely affect the health and welfare of in- fants, toddlers and their families. National surveys report that 1 in 3 mothers experi- ence diaper need at some time while their children are less than three years of age, and 48 percent of fam- ilies delay changing a dia- per to extend their supply. Services in Tehama County give away an aver- age of 50 packs of diapers every week, most acquired through this campaign. Government programs don't provide diapers, which makes the School Readiness programs in Red Bluff, Los Molinos and Corning incredibly helpful programs for families in need in Tehama County. Stretching diapers due to having limited resources causes discomfort and health issues for children. In families where dia- pers are a luxury, a baby can spend a day or longer in one diaper. Wearing a soiled diaper for extended periods has been linked to potential health and abuse risks, such as hepatitis, vi- ral meningitis, shigellosis and other bacterial diar- rheas, urinary tract infec- tions, renal failure, diaper dermatitis and jaundice. Without transportation to access large retailers or discount stores, many are forced to buy diapers at convenience stores, which can double or triple the monthly cost for diapers. Many people living in pov- erty do not have afford- able access to washing fa- cilities — and public laun- dry facilities do not allow cloth diapers for health and sanitary reasons. Also, day care situations most often do not allow cloth alterna- tives. "Sometimes diapers are the only door-opener we can consistently count on when cold-calling new referrals," said School Readiness Coordinator Michelle Barnard. "Those are the families you re- ally want to help — the ones that have to have a real reason to open their homes to us." Help the Tehama County Health Partnership give families a much needed break and donate a pack- age of diapers during the month of October at the following locations: Corn- ing 166 Marguerite Ave., Room 29, 824-4111; Los Mo- linos 7700 Stanford Ave., 384-7833 and Red Bluff 332 Pine St., Ste. H, 528-1395. For more information on the diaper drive, call Rhonda Meadows-Searcy at 528-1395. The Tehama County Health Partnership is a coalition of various agen- cies, law enforcement, schools, businesses, youth, seniors and concerned res- idents dedicated to work- ing together to improve the health and quality of life in our communities. The "No Butts Left Behind" diaper drive is made possible through a partnership between Tehama County Health Services Agency's Health Partnership, Tehama County Department of Education's School Read- iness program and First 5 Tehama. Health Partnership meetings are held 1-3 p.m. on the third Tuesday of each month, rotating be- tween Red Bluff and Corn- ing. Call for exact location and directions. Meetings are open to the public, and participation is welcomed. For more information, call 527-6824 or 1-800-655- 6854. DONATIONS Si xt h an nu al d ia pe rs d ri ve s et REDDING Simpson Uni- versity for Seniors is offer- ing two courses in October for adults of any age. The non-credit, no- homework classes, which begin Oct. 5, are taught on Simpson's campus by university professors and professionals in their field of expertise. Classes meet from 10:20-11:20 a.m. Mondays, Wednesdays and Fridays. The following courses are being offered. World War II: The Eu- ropean Theater. This class will examine the political, social and economic fac- tors that brought about the rise of fascism and na- tional socialism, focusing on the rise and fall of the "Thousand-Year Reich." Presenter: Don Claspill. The History of Afri- can-American Spirituals and Gospel Music. This course surveys the begin- nings and development of African-American spiri- tuals from the 18th cen- tury. Presenter: Dr. Cyril Myers. Two courses are offered each month through April. The cost is $95 per per- son, per course, or $145 for couples registering for the same course. Reg- ister online with a credit card at simpsonu.edu/se- niorschool. SIMPSON University offers no-homework classes for seniors COURTESYPHOTO JustineYarbroughfromLosMolinosHighSchoolwasnamedRotaryStudentoftheMonthrecently.Justineisa senior and was selected for her academic leadership and citizenship achievement. Pictured are Superintendent of Schools Charles Allen, Los Molinos High School Counselor Margaret Kemp, Justine and her parents and Red Bluff Noon Rotary President Tom Amundson. ROTARY STUDENT OF MONTH Staff Reports WOODLAND Last week Congressman John Ga- ramendi, D-Fairfield, and his Women's Initia- tive Network recognized 35 women at his Women of the Year Awards cer- emony, including three from Glenn County. At the event, held at Woodland Community College, the women were honored for their contribu- tions to their communities. "Today, we're identify- ing and celebrating women who are outstanding lead- ers, women who have con- tributed to the betterment of their communities," Ga- ramendi said. "The women we honor today come from many backgrounds. Some are mentors in their pro- fession. Others are tireless volunteers for charity. Ev- ery single one has made a real difference and trans- formed lives." Glenn County honorees include: • Becky Brummet of Or- land, a special education teacher at Orland High School who previously taught students at the con- tinuation school and Head Start. According to infor- mation from Garamendi's office, she is described by her colleagues as a worker bee and a fearless child ad- vocate. She served on the Glenn County Fair Board by ap- pointment by Gov. Arnold Schwarzenegger and was a co-founder of the 'Ave- nue of Lights', an annual display at the fairgrounds during the holidays. • Dawn Dowdy of Hamilton City, is a track coach for Hamilton High School and a mentor. Her dedication is re- flected by helping her students reach personal goals and compete in re- gional competitions even though Hamilton High does not have a track on campus. Some of her students have competed in the State Finals and obtained col- lege scholarships. • Dorothy Pooley of Wil- lows is an ombudsman and advocate for seniors. Her career began in 1954 at the Kennedy Space Center in Florida. She worked for RCA in its Communications Engi- neering and Optics Engi- neering Departments and TRW in its Minuteman Program. In the 1970s, Pooley moved to Glenn County and worked for the county in numerous capacities in- cluding public guardian, court investigator and om- budsman. 3RD CONGRESSIONAL DISTRICT Th re e fr om Gl en n Co un ty a mo ng G ar am en di 's W om en o f Ye ar Formoreinformationortoscheduleyourinterview,contact Christine Staccla at cstaccla@accentcare.com TODAY! For more information on available positions, visit AccentCare.com/careers EqualOpportunityEmployer.Drug-FreeWorkplace. Job Fair October 1st! Meet face-to-face with representatives from our Corning area Home Health division and learn about what career opportunities AccentCare can offer you. Event Details Date: October 1st Time: Thurs., 8a.m. - 7 p.m. Location: Courtyard Chico 2481 Carmichael Drive Chico, CA Bring an updated resume and feel free to attend in your clinical wear if you are coming from or to work. We are seeking to fill the following positions: LPNs | RN Case Managers Behavioral Health Nurses (Part-Time) Occupational Therapists (Full-Time) Physical Therapists NEW ARRIVALS ~ UNIQUE, SOFT LEGGINGS ~ SHAWL, DRESS, JACKETS ~ FLAT WALLET, SANDALS ~ SACRED DESSERT SAGE ~ BOOKS-HEALING, WABI-SABI ~ L'EPI DE PROVENCE SOAPS ~ ROCKS AND MINERALS 744 Main St., Red Bluff PRICE REDUCTION FOR NEWCOMERS SAVE$25 00 Lacey's Lil' Learners PRESCHOOL, INFANT and CHILD CARE Lic.#525406753 NEW LOWER RATES! Call Lacey today (530) 604-1475 734MainStreet 530-690-2477 11am-9pm Mon.-Thur. 11am - 10pm Fri. & Sat. 11am-8pm Sun. 9 CRAFT BEERS ON TAP Regular Haircut $ 2 00 off KWIK KUTS FamilyHairSalon 1064SouthMainSt.,RedBluff•529-3540 ANY RETAIL PRODUCT 20 % off withanychemicalserviceof $50 or more Notgoodwithotheroffers Expires 10/31/15 With coupon Reg. $13.95 LIFESTYLES » redbluffdailynews.com Tuesday, September 29, 2015 MORE ATFACEBOOK.COM/RBDAILYNEWS AND TWITTER.COM/REDBLUFFNEWS C4