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2B – Daily News – Monday, January 11, 2010 HOME SERVICES DIRECTORY Runs Every Monday - Wednesday - Friday $ 79 00 a month with a 3 month commitment $ 89 00 a month for a 1 month commitment No early cancellation, non-refundable Construction Burrows Construction Remodel, New Additions, Siding Repair and Replacement, Water and Dryrot Damage Specialist, New Construction Foundation to Finish Ph: (530) 515-9779 Residential • Commerical PATIOS • DECKS FREE ESTIMATES & REFRENCES Lic#824770 Construction Malvino Ceramic Tile QUALITY WORKMANSHIP Since 1976 Carpentry • Plumbing Cabinets • Ceramic Tile Kitchens • Baths Floors • Dry Rot Repair Reliable & Honest MARC MALVINO Lic.#328529 527-0390 Painting DA R I N B A RRO W PAINTING 530-260-0988 Interior & Exterior Painting • Remodel/New Construction • Custom Homes • Residential, Small Commercial • Victorians, Restaurants • Airless & HVLP Spray Lic. Since 1988 #558742 Painting Interior/Exterior Painting and Power Washing No Job too small FREE ESTIMATES Mobile 530-736-6643 Office 530-528-9672 Jan's Quality Painting A woman's touch means an eye for detail Landscape/Fence Steve's Tractor & Landscape Service • Fence Building • Landscaping • Trenching • Rototilling • Disking • Mowing • Ridging • Post Hole Digging • Blade Work • Sprinkler Installation • Concrete Work Cont. Lic. #703511 Steve Dyke 385-1783 Construction RESIDENTIAL • COMMERICAL Kitchens • Bathrooms • Remodeling • Room Additions • Painting • Ceramic Tile • Linoleum Floors • Doors • Windows • Gutters • Roofing • Cement • Decking All types of Additions, Remodels & Repairs Fast Reliable Work FREE Estimates FREMONT ABLE CONSTRUCTION Harry Vossoughi (530) 528-0723 CA Lic #751534 Concrete/Construction J. E. C. JIM ENGLAND CONSTRUCTION (530) 529-4495 Mobile (530) 945-8295 Voted Best In 2008 Tehama County Concrete Contractor. Project Design and work one on one with clients Custom & Stamped Concrete ADA Approved Concrete New Homes Driveway Takeout & Replacement Structural Concrete Backhoe & Dump Truck Bobcat & Float Tractor, Mowing Patios • Curb & Gutters • Sidewalks FREE Estimates Over 20 years experience Member of the Better Business Bureau LIC. #682190 Building Construction R. G. SIDES New Homes • MF Home Set-up • Raw Land Development • Power • Septic • Roads • Complete Building • Remodeling Additions • Carpentry • Electrical • Plumbing • Drywall • Tile • Doors • Windows • Roofing • Painting • Concrete Foundations • Overlays • Stamps • Sidewalks • Retaining Wall • Gutters Lic.#639360 530-209-9999 Free Estimate Small Jobs Welcome Office # 530-528-8079 Advertisement If this was your Service Directory ad customers would be reading it right now!! Call us at 527-2151 For more information Blinds Need Blinds? C A L L P A U L 527-0842 North State Blinds & Draperies www.nsbd.biz Lic.#906022 Paul Stubbs CALL US AT (530) 527-2151 TO PLACE YOUR AD. Advertisement If this was your Service Directory ad customers would be reading it right now!! Call us at 527-2151 For more information Landscape • Sprinkler repair & installation • Bob Cat & Dump trailer service • Monthly, Weekly or One time yard maintenance • New landscape ideas • Gutter cleaning FREE ESTIMATES Charlie Ingram 526-6855 Quality Service • Competitive Prices Senior Discounts CUTTING EDGE LANDSCAPE Not happy with your current yard maintenances? ~ CALL ME~ Advertisement If this was your Service Directory ad customers would be reading it right now!! Call us at 527-2151 For more information Advertisement If this was your Service Directory ad customers would be reading it right now!! Call us at 527-2151 For more information Advertisement If this was your Service Directory ad customers would be reading it right now!! Call us at 527-2151 For more information When you should opt out of a interest rate hike Have you heard from your credit card company lately? Millions of cardholders have. Believe me; we're not talking about love letters. Credit card issuers are raising interest rates across the board. On everyone. It's likely you were given 30 days to decide whether to accept the increased rate. If you opt out, your account will be closed to future purchases while you have the opportunity to pay off the bal- ance at your current rate. My inbox has been flooded with messages from readers who don't know how to respond. If they opt out, how will it affect their credit scores? A closed account can show up as a negative entry in one's cred- it file. Would it be better to swallow hard on that 27.99 percent interest rate in favor of an unblemished score? Here's my answer to these and all other related dilemmas: It depends on whether you are carry- ing a big balance on the account in question. IF YOU HAVE A BALANCE. This is the pivotal issue. If you have a balance on a credit card account that you cannot pay off within the next 30 days, you would be foolish to accept a big interest rate increase. You need to opt out, accept the account closure and breathe a tiny sigh of relief. Finally, someone is stopping you from going deeper into debt. Do you know what 27.99 percent or higher looks like in a monthly payment? It's huge. Here is an example: If you have a $2,500 balance at 9.99 percent interest, about $20 of your monthly payment goes toward interest. Increasing that to 27.99 percent means $58 of your payment goes toward interest. If you are making the mini- mum payment only, hardly any of your pay- ment will go toward pay- ing down the balance. YOUR CREDIT SCORE. Opting out will trigger a negative report in your credit file. Your current balance will become 100 percent of your avail- able credit. This is bad for your score. So is losing an account you've had for a long time. But keep things in perspective! To worry about your score when you are about to be eaten alive by credit card debt would be like seeing that your house is on fire and being concerned about whether you turned off the iron. In the grand scheme of things, credit card debt is far more dangerous to your future than, say, a 100-point drop in your credit score. Neither is ideal, but they are in no way equal. IF YOU DO NOT CARRY A BALANCE. This changes everything. An interest rate increase will not affect you. In this case, you would benefit by accepting the account at the higher rate. Your credit score will continue to ben- efit because you will show 100 percent available cred- it on this account, along with a great history. Now, more than ever, is the time for you to buckle down and get out of debt. Whatever it takes to do that is what you need to do. Mary Hunt is the founder of www.DebtProofLiving.com and author of 18 books, including her latest, "Can I Pay My Credit Card Bill With a Credit Card?" You can e- mail her at mary@everydaycheapskate.com, or write to Everyday Cheapskate, P.O. Box 2135, Paramount, CA 90723. Mary Hunt Everyday Cheapskate Kings beat Nuggets on Evans' bucket with 0.7 left SACRAMENTO (AP) — This time, Tyreke Evans was determined to start his move earlier and make sure he got a shot off, something he failed to do twice in game- winning situations in late December. Unlike the other two games, losses to Cleveland and the Lakers, this was a game to savor for Sacramento's rookie guard. Evans made the tiebreaking jumper with 0.7 seconds left and scored 27 points, helping the Kings beat the Denver Nuggets 102-100 on Saturday night to snap a season-high, five-game losing streak. Following a timeout, Evans drove inside, pumped fake, and hit 10-foot fadeaway over Kenyon Martin. The clutch basket capped a wild fourth quarter where the lead changed hands five times and was tied on three occasions. J.R. Smith missed a desperation 3-pointer at the buzzer. ''Coach (Paul Westphal) gave me the opportunity and that's what I wanted to do, I wanted to be the guy with the ball in my hands,'' said Evans, who scored 10 fourth- quarter points. ''I had worked on that move a lot. I stopped in the lane, pump faked, and was fading away. I had a good look at the basket. I thought it was going in.'' Evans' second game-winning shot this season halted a recent slide of seven losses in eight games. In many of those losses the youthful Kings failed to function offen- sively down the stretch. That included a loss Friday night in Golden State where the Kings squandered an 18-point lead and were outscored 32-15 in the fourth quarter. ''It's very gratifying to finally pull one out like this,'' said Spencer Hawes, who scored 17 points and made a big 3-pointer in the fourth. ''It felt like every game we were in we couldn't execute down the stretch. Good teams finish in the fourth quarter. That's what we did tonight.'' Chauncey Billups had 27 points for Denver and made a 3-pointer from 25 feet to tie the game at 100 with 11 seconds remaining. Sacramento was behind since late in the third quarter until Hawes made a 3-pointer and Evans followed with a drive and subsequent three-point play, putting the Kings ahead 91-88 with 4:02 left in the game. Denver came right back to regain the lead at 93-91 with 2:35 left on a jumper by Billups and a 3-pointer by Smith. After a lackluster opening half where they never led, the Kings scored the first eight points of the third quarter, leading to a 20-6 run. But Billups helped the Nuggets regain control, scoring 10 points in the period to help Denver take a 76-73 lead into the fourth. Frustrated with the officiating and perhaps his team's losing ways the past two weeks, Westphal was given a technical late in the first half. He promptly sat on the scor- er's table, mimicking the same position of Karl. NFL By The Associated Press Wild-card Playoffs Saturday, Jan. 9 N.Y. Jets 24, Cincinnati 14 Dallas 34, Philadelphia 14 Sunday, Jan. 10 Baltimore 33, New England 14 Arizona 51, Green Bay 45, OT Divisional Playoffs Saturday, Jan. 16 Arizona at New Orleans, 1:30 p.m. (FOX) Baltimore at Indianapolis, 5:15 p.m. (CBS) Sunday, Jan. 17 Dallas at Minnesota, 10 a.m. (FOX) N.Y. Jets at San Diego, 1:40 p.m. (CBS) Conference Championships Sunday, Jan. 24 AFC, noon (CBS) NFC, 3:40 p.m. (FOX) Pro Bowl Sunday, Jan. 31 At Miami AFC vs. NFC, 7:20 p.m. (ESPN) Super Bowl Sunday, Feb. 7 At Miami NFC champion vs. AFC champion, 6:25 p.m. (CBS) NBA EASTERN CONFERENCE Atlantic Division W L Pct GB Boston 26 9 .743 — Toronto 19 19 .5008 1/2 New York 15 21 .41711 1/2 Philadelphia 11 25 .30615 1/2 New Jersey 3 34 .081 24 Southeast Division W L Pct GB Orlando 25 12 .676 — Atlanta 23 13 .6391 1/2 Miami 18 17 .514 6 Charlotte 16 19 .457 8 Washington 12 23 .343 12 Central Division W L Pct GB Cleveland 28 10 .737 — Milwaukee 15 18 .45510 1/2 Chicago 15 20 .42911 1/2 Detroit 11 24 .31415 1/2 Indiana 11 25 .306 16 WESTERN CONFERENCE Southwest Division W L Pct GB Dallas 25 12 .676 — San Antonio22 13 .629 2 Houston 21 16 .568 4 New Orl. 19 16 .543 5 Memphis 18 18 .5006 1/2 Northwest Division W L Pct GB Denver 23 14 .622 — Portland 23 15 .605 1/2 Okla. City 20 16 .5562 1/2 Utah 20 17 .541 3 Minnesota 8 30 .21115 1/2 Pacific Division W L Pct GB L.A. Lakers 28 8 .778 — Phoenix 23 14 .6225 1/2 L.A. Clippers17 18 .48610 1/2 Sacramento15 21 .417 13 Golden State 11 24 .31416 1/2 Saturday's Games Orlando 113, Atlanta 81 Charlotte 89, Memphis 87 Philadelphia 104, Detroit 94 Chicago 110, Minnesota 96 Oklahoma City 108, Indiana 102 Utah 111, Dallas 93 Houston 105, New York 96 Sacramento 102, Denver 100 Sunday's Games Boston 114, Toronto 107 New Orleans 115, Washington 110 L.A. Clippers 94, Miami 84 San Antonio 97, New Jersey 85 Cleveland at Portland, late Milwaukee at L.A. Lakers, late Monday's Games New Orleans at Philadelphia, 4 p.m. Toronto at Indiana, 4 p.m. Atlanta at Boston, 4:30 p.m. Detroit at Chicago, 5 p.m. New York at Oklahoma City, 5 p.m. Miami at Utah, 6 p.m. Milwaukee at Phoenix, 6 p.m. Minnesota at Denver, 6 p.m. Cleveland at Golden State, 7:30 p.m