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Thursday, March 22, 2012 – Daily News 3A Local Calendar Submit calendar items to P.O.Box 220, Red Bluff, 96080 or clerk@redbluffdailynews.com. THURSDAY,MARCH 22 Red Bluff California HEAT Chorus - Sweet Adelines, 7 p.m., Meteer School Room 26, 695 Kimball Road, 895- 0139 Childbirth Class, 6:30 p.m., St. Elizabeth Commu- nity Hospital, Columba room, Anita 529-8377 Fun Senior Aerobics with Linda, 8-9 a.m., $1 per class, Red Bluff Community Center, 1500 South Jack- son Street 527-8177 Kelly-Griggs House Museum, 1-4 p.m., 311 Washington St, special tours call 527-1127 Live country music, with dinner at the Veterans Hall, 5-7 p.m. PAL Kickboxing, 6 p.m., 1450 Schwab St., 529- 8716 or 200-3950 Phoenix Comunity Support Group for those get- ting over chemical dependency, 11:30 a.m., Pres- byterian Church, 838 Jefferson St., 945-2349 Pinochle for Seniors, 12:30-3:30 p.m., 1500 S. Jackson St., free, 527-8177 Playtime Pals Playgroup, 10 a.m., Family Resource Center, 220 Sycamore St. Suite 101, 528- 8066 Red Bluff Exchange Club, noon, M&M Ranch House, 645 Antelope Blvd. #1 Sunrise Speakers Toastmasters, noon, Family Resource Center, 220 Sycamore St. Ste.101, 529- 1841 Swinging Squares Square Dance Club, 7 p.m., Red Bluff Community and Senior Center, 1500 S. Jackson St., for beginner or review classes, call 529- 1615 TOPS Club (take off pounds Sensibly), 8:30 a.m., First Christian Church, 926 Madison Ave., 527-7541 or 347-6120, visit www.tops.org Widowed Persons Dinner, 5 p.m., call 384-2471 for location Corning Cal-Fresh and Healthy Family Appointments, 1- 3 p.m., Family Resource Center, 1488 South St., 824- 7670 Dance with Juana, noon to 1 p.m., Family Resource Center, 1488 South St., 824-7670 Degree of Pocahontas Silver Cloud Council # 168, 7 p.m. Independent Grange 470, 20945 Corning Road, Bernie 824-1114 or Kathy 586-1065 Domestic Violence Information and Support Group, 1-3 p.m., Olive Room at the Healthcare Dis- trict, 275 Solano St. 528-0226 Dual Diagnosis Group, 1:30-3 p.m., 1600 Solano St., 527-8491, Ext. 3309 Soccer training, 4-6 p.m., except for holidays and rain, Woodson School Soccer Field, 150 N Toomes, 824-7680 Women's Support Group, 6 p.m., Family Resource Center, West and South streets, 824-7670 FRIDAY,MARCH 23 Red Bluff Al-Anon, 6-7 p.m., Presbyterian Church, Jefferson and Hickory Celebrate Recovery, 7 p.m., Bethel Assembly of God, 625 Luther Road, 527-0445 or 366-6298 Knit for Kids, 9:15 to noon, Presbyterian Church, 838 Jefferson St., 527-0372 Vina Vina Elementary School Spaghetti Dinner, 5-7 p.m., entertainment 6 p.m., $20 family, $6 adult, $4 child SATURDAY,MARCH 24 Red Bluff BMX racing, 5:30 p.m., Red Rock BMX Track, Tehama District Fairground, $10 Red Bluff Emblem club installation of officers, 2 p.m., Elks Lodge, 355 Gilmore Road Tehama County Young Marine Drills, 9 a.m. to 3 p.m., 1005 Vista Way, Ste.C. 366-0813 Weight Watchers meeting, 8 a.m. and 9:30 a.m Weigh-in starts half-hour before meeting.485 Antelope Blvd.#N, next to Bud's Jolly Kone. 1-800-651-6000 Los Molinos Senior Dance, 7 p.m., Senior Center, Josephine Street, 384-2100 Tehama Tehama County Museum, 1-4 p.m weekends, weekday group tours by appointment, donation, 275 C St., group tours 384-2595 SUNDAY,MARCH 25 Red Bluff Celebrate Recovery, 6-8 p.m., Vineyard Christ- ian Fellowship, 738 Walnut St., 527-2449 Ishi Archery Club Spring Shoot: 7-8:30 a.m. reg- istration , shoot starts at 9 a.m., off Highway 36E, www.ishiarcheryclub.org or 527-4200 Kelly-Griggs House Museum, 1-4 p.m., 311 Washington St, special tours call 527-1127 Lotto numbers SACRAMENTO (AP) — The winning num- bers drawn Wednesday night in the California Lottery's ''SuperLotto Plus'' game were: 8-21-31-40-42 Meganumber: 2 Insurance that is too expensive Dear Mary: My sister believes that it is in her best interest to never pay off her mortgage. She is convinced that if someone sues her or her hus- band (they have a small business), the house, as an asset, could be taken. Please give me a compelling argument against this belief. I don't want her to feel like she has to stay trapped in debt because of this. -- Susan, Mis- souri Dear Susan: I've heard of lots of reasons to keep a mortgage, but this is a new one for me. You could answer this, using a simple calculator. Determine the amount of interest she pays every year on her mortgage. Get a quote for, say, a $2 million umbrella lia- bility insurance policy (or more, according to her level of concern). Compare the annual interest with the annual premium. Since the insurance is really cheap, I think you can show her that carrying a mortgage is about the most expensive kind of "insurance" she could hope to buy. And even then, it doesn't mean that a creditor couldn't take that asset if it pre- vailed in a lawsuit, even with a mortgage. There are other ways that she could potentially protect the home, through trusts, changing the way title is held and other kinds of financial planning tools. Your sis is someone who could benefit from a profes- sional planner. Dear Mary: I understand the rationale for lowering a person's credit rating if they take on more debt, such as a new credit card, but I don't understand why the rating is lowered if you close an account with no balance. -- Margo, email Dear Margo: Your credit score is not so con- cerned with how much you owe or even how debt-free you are, but rather your credit utiliza- tion ratio -- how much of your available credit you are using at any given moment. If you close an account with, say, a credit limit of $5,000 and a $0 balance, suddenly you have reduced your available credit by $5,000. If your other accounts are close to being maxed out, your uti- lization ratio is going to skyrocket, and your score will sink. If, on the Mary Hunt Everyday Cheapskate other hand, you have other accounts on which you carry little, if any, debt, your score is not likely to flinch. It's all about ratio. Here's the rule of thumb: Keep your credit utilization at 30 percent or less. This applies to your total avail- able credit, as well as the individual accounts. Even maxing out a credit card for a onetime purchase that you plan to pay off imme- diately means your credit score will take a big hit because your credit utiliza- tion ratio on that account was nearly 100 percent. Closing one account may or may not affect your credit score. It all depends on your other available credit and how you are using it. Do you have a question for Mary? Email her at mary@everydaycheapskate.com, or write to Everyday Cheapskate, P.O. Box 2099, Cypress, CA 90630. Mary Hunt is the founder of www.DebtProofLiving.com, a personal finance member website and the author of "7 Money Rules for Life," released in January. Gift card text is a smishing scam Better Business Bureau is warning area consumers to be wary of a text mes- sage landing in inboxes across the United States purportedly sent to "smish" information from consumers. The text message says "Dear Walmart shopper, Congratulations you have just won a $1000 Walmart Gift Card. Click here to claim your gift. (Link has been removed)". The link in the text message leads to a site asking consumers to dis- close personal informa- tion, such as social securi- ty numbers, bank account numbers and birth dates. Walmart released a statement earlier this week stating the texts are not being sent by the compa- ny. "Smishing", a variation of the phishing emails, has gained popularity in recent years as smart phones have grown in popularity. Smishing texts are sent out as a way to gain access to sensitive information via SMS. "Smart phones are very convenient, but consumers should be careful using them," said Gary Almond, president of BBB serving Northeast California. "When you use a device for everything from bank- ing to personal photo albums, the last thing you want is someone gaining access to the phone." BBB recommends the following to ensure safe texting: • Discuss smishing scams with all members of the family, especially chil- dren with access to cell phones. • Do not click on links in text messages from an unknown sender. • Do not give out social security numbers, bank account numbers or any other sensitive information when claiming a "prize". • Never pay for any- thing that is supposedly "free". • Check bank state- ments regularly for unau- thorized charges. • Check your credit report and your children's' credit reports annually to ensure no identity theft has taken place. A free credit report can be obtained at www.annualcreditreport.c om • Report any scams to your local Better Business Bureau at 916-443-6843. For more information on protecting your identi- ty, visit www.bbb.org. Shasta College presents celebrity dinner auction The Shasta College Athletic Department announces its 18th Annual Celebrity Dinner Auction will be at 5:30 p.m. on Friday, March 30, at the Win-River Casi- no. 2100 Redding Rancheria Road. The keynote speaker will be Rocky Bleier, the hard-charging running back for the legendary Pittsburgh Steelers of the 1970s. Rocky graduated from the University of Notre Dame and was a member of their 1966 National Championship football team. Police reports The following infor- mation is compiled from Red Bluff Police Depart- ment, Tehama County Sheriff's Department, Corning Police Depart- ment and California Highway Patrol. Arrests • Cynthia Kay Hanson, 42, of Corning was arrest- ed at West Street at Main Street in Corning. She was charged with posses- sion of narcotics, posses- sion of drug paraphernalia and violation of parole. Bail was set at $16,000. • Bryan Linden Castor, 33, of Red Bluff was arrested Tuesday during a traffic stop of a gold 2002 Oldsmobile Alero in the 500 block of Antelope Boulevard. Castor, the dri- ver, reportedly failed to come to a complete stop at a stop sign. He allowed deputies to search his vehi- cle and they found metal knuckles and a glass methamphetamine smok- ing device. He was charged with possession of metal knuckles and posses- sion of drug paraphernalia. Bail was set at $16,000. Theft • Four military Goodyear Wrangler size 371250, 16.5-inch tires, valued at $200, were reported stolen Tuesday from a woman's yard in the 700 block of Crosby Lane. • A 45-gallon, portable After his rookie season in the NFL, Bleier was drafted into the Army and served in the Vietnam War. He was a recipient of the Pur- ple Heart and Bronze Star. Bleier's recovery from injuries received during the war was dra- matized in the 1980 film "Fight- ing Back" starring Robert Urich. Rocky Bleier played in all four of the Steelers Super Bowl victories and caught the go-head touch- down pass from Terry Bradshaw in Super Bowl XIII. Along with the guest speaker, wash unit, rented by PG&E for a job, was reported stolen Tuesday from outside the First Church of God, 1005 S. Jackson St. The unit was valued at $500. • A woman's purse was reported stolen Tuesday in the 2600 block of Meadowview Drive. The purse was taken from underneath the front seat of her vehicle parked in front of her home. It had her Social Security card, driver's license, a credit card and $150 cash. Animals • A woman reported late Tuesday that her cat had been shot in the back leg with a dart in the 200 block of James Avenue. The incident occurred between 9:30 and 11:30 p.m. She planned to take the animal to the veteri- narian Wednesday. • A 36-year-old woman reported Tuesday that she'd found her dog dead in the 3700 block of Butte Mountain Road in the Corning area. The dog had been shot several times and left in a field. • An anonymous caller reported Tuesday after- noon that a brindle boxer dog was running loose with a dead goat in its mouth. The dog reported- ly ran into a yard in the 8500 block of Highway 99E. Vandalism • A deer statue, valued the evening features a delicious dinner, and both live and silent auctions of sports memorabilia, art, various gifts, vacation trips, and many other items. The cost to attend the Celebri- ty Dinner Auction is $65 per seat, or $600 for a table of 10. For more information, contact Veron- ica Zimmer, administrative assis- tant, at 242-7593 or email vzim- mer@shastacollege.edu. The proceeds from this gala evening go to help pay for trans- portation and expenses of all the Shasta College sports programs. at $100, was reported stolen Tuesday from a front yard in the 2400 block of Cimarron Drive. The statue was found destroyed around the cor- ner. Burglary • Container boxes were reported broken into and items stolen Tuesday afternoon in the area of Acacia Street and Carl Court. • Steven McCabe, 34, of Los Molinos reported Tuesday that between 1 and 2 p.m. someone entered his fifth wheel trailer in the 8600 block of Sherwood Boulevard and stole a 42-inch Sanyo flat screen television, val- ued at $300. • A 40-year-old man reported Tuesday that his metal storage build- ing was burglarized on Bywood Drive in Cot- tonwood. Sometime between Jan. 17 and March 18, three bicy- cles, valued together at more than $3,500, were stolen. The culprits had removed the metal sid- ing from the back of the building to get into the shed. The bicycles were described as a silver and orange men's 21-speed, Specialized Enduro Pro, valued at $2,500, a blue men's 21-speed Special- ized Rock Hopper, val- ued at $800, and a chrome BMX Schwinn Predator, valued at $200. Violence • An assault was reported involving a 30- year-old inmate Tuesday in the Tehama County Jail. No further informa- tion was available. Collision •A 16-year-old Corn- ing girl was uninjured in a collision at 8 p.m. Tuesday on Marguerite Avenue, north of Viola Avenue. The girl was dri- ving south on Marguerite when she swerved to miss a cat, ran off the road and hit a tree. 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