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FUNDRAISER BluesforthePool golf tournament COURTESYPHOTO Thefi hannualBluesforthePoolGolfScramblewasatOakCreekGolfCourseonOct.10. Thenine-holescram- ble featured closest to the pin and long drive prizes and more than 20 golf packages, gi certificates, wine baskets and massages. Participants enjoyed a tri-tip lunch in addition to the morning of golfing. The Blues for the Pool committee made more than $2,200 that will be used to augment the budget of McGlynn Pool in Red Bluff. Pic- tured are Eric Williams, Darrell Grames, Brian Pickard and Jeff Thomas. Halloween is a fun and spooky time of year for you and your little ones. It can be a dangerous time as well. Did you know that deco- rations were the first item to be ignited in an aver- age of 860 reported home structure fires per year from 2009-2013? Nearly half of all decoration fires in homes are the result of decorations being too close to a heat source, 38 percent were started by candles and 16 percent began in the liv- ing room, family room or den. You can make trick-or- treating safe with a few easy Halloween safety tips from Cal Fire. Trick-or-treating: Never trick-or-treat alone. Always go with a parent or an- other adult. Never go into anyone's home without the permission of your parent or the adult you are with. Only visit houses with their lights on. Walk on side- walks and driveways. Make sure to cross the street at the corner or in a cross- walk. Be sure to inspect treats before allowing your children to eat them. Costumes: When choos- ing a costume, stay away from billowing or long- trailing fabric. If you are making your own costume, choose material that won't easily ignite if it comes into contact with heat or flame. Visibility: Provide chil- dren with flashlights to carry for lighting or glow sticks as part of their cos- tumes. If your child is wearing a mask, make sure the eye holes are large enough so he/she can see clearly out of it or use face paint and makeup as an al- ternative. Flammable decorations: Dried flowers, cornstalks and crepe paper are highly flammable. Keep these and other decorations well away from all open flames and heat sources, including light bulbs and heaters. Candles and jack-o-lan- terns: It is safest to use a glow stick or battery-op- erated candle in a jack-o- lantern. If you use a real candle, use extreme cau- tion. When lighting can- dles inside jack-o-lan- terns, use long fireplace- style matches or a utility lighter. If you choose to use candle decorations, make sure to keep them well at- tended at all times. Do not leave them near flamma- ble objects or where trick- or-treaters may walk. Make sure children are watched at all times when candles are lit. Exits: Remember to keep exits clear of decorations, so nothing blocks escape routes. For more Halloween fire safety ideas and tips, visit www.fire.ca.gov. HALLOWEEN One of the scariest days of the year The most impor- tant thing you can do to make your personal economy strong is have an umbrella — a con- tingency fund, with at least enough money to pay all of your bills without a paycheck, for three to six months. Call it $10,000. Weekly, try to save 10 percent of your pay- check. It may sound like a lot, so if you can't do 10, start with 5 percent or even 1 percent and build up. Deposit the money au- tomatically into your contingency fund; you won't miss what you don't see in the first place. OK, you'll miss it for the first few months, but soon you really will not miss it. Until you have a fully funded contingency fund, approach this with scorched-earth determi- nation. No spending on anything that is not nec- essary or legally obligat- ing until you reach your goal. Get rid of nonessen- tials. Give up such ex- tras as cable TV, eating out and gym member- ships. Cut variable ex- penses. You can't cut off your utilities, stop eating or give up driv- ing. But you can reduce the cost of the food, en- ergy and fuel you buy. Opt for the cheapest su- permarket and gas sta- tion. Turn out the lights and only run full appli- ances. Quit smoking. This suggestion requires no explanation. Although it does beg the question, who can even afford to smoke these days? At about $7.50 for a pack of smokes (U.S. aver- age), that's a $2,737-a- year habit. And in New York City it's double that. Yeah, $14.50 a pack ($5,292 annually). Stop paying bank fees. If you're paying a $7.95 (or higher) per month fee for the priv- ilege of maintaining an account, stop! Open an account at an on- line bank (they pay bet- ter interest rates any- way), such as Ally Bank, that doesn't charge a monthly maintenance fee for checking or sav- ings accounts. Or check with a local credit union for free personal check- ing accounts. Some banks, such as U.S. Bank, even offer free business accounts. Pull back. Stop send- ing more money than re- quired each month to your credit card compa- nies, mortgage lender or any other creditor. It's admirable that you're being diligent in re- paying the debts, but if you continue to do this while living with- out money in the bank for major emergencies, you'll be setting yourself up to fall even deeper in debt. Clean out. Take a look through your cupboards and closets. Identify ev- erything you haven't used in the past six months. Turn what you don't need into cash on a website such as eBay or Craigslist, or hold a yard sale. Adjust withholdings. Use the 2015 Federal Withholding Tax Calcu- lator, available through the IRS website, to make sure you aren't having too much or too little income tax with- held from your pay. Increase your income. Get a second job. Or third. Work more hours at your current one. Get creative by making money doing things you already love to do, such as dog walking or sell- ing handmade items. Give up your landline. More than 40 percent of American adults have given up their land- based telephone service. Are you in that group? If not, why not? Basic ser- vice costs at least $25 per month in most mar- kets. Take lunch to work. Have you figured out what you're spending per year on eating lunch out? At $10 a day, you're spending $2,500 after- tax dollars on lunch. Just think of all the din- ner leftovers you throw out that could easily be tomorrow's lunch. Stop at the match. If you are contribut- ing to a retirement ac- count such as a 401(k) or 403(b), don't stop now, but limit your con- tribution to the amount your employer matches. Once you have your con- tingency fund in place, return to your more ag- gressive contributions. 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. EVERYDAY CHEAPSKATE Pay your bills without a paycheck Cal Fire offers safety tips for kids, parents Thankyou! PLEASE RECYCLE THIS NEWSPAPER. The burn permit sus- pension in Tehama County and the State Responsibil- ity Areas of Glenn County will be lifted beginning at 8 a.m. Monday, Nov. 2. Cal Fire Tehama-Glenn Unit Chief Christine Thompson is formally can- celling the burn permit sus- pension and advises that those possessing current and valid agriculture and residential burn permits can now resume burning on permissible burn days. Agriculture burns must be inspected by Cal Fire prior to burning until the end of the peak fire season. In- spections may be required for burns other than agri- culture burns as well. This can be verified by contact- ing your local Air Quality Management District. While cooler tempera- tures have helped to dimin- ish the threat of wildfire, we are still in our fourth year of drought. Property owners and residents are asked to use caution while conducting debris or agri- culture burns. Always use caution when burning, fol- low all guidelines provided, and maintain control of the fire at all times. Individu- als can be held civilly and criminally liable for allow- ing a fire to escape their control and burn onto neighboring property. Residents wishing to burn must verify it is a permissive burn day prior to burning. Burn day sta- tus can be determined by calling Tehama County Air Pollution at 527-3717 or Glenn County Air Pol- lution at (800) 446-2876. The burning hours for Tehama County are 10 a.m. until 5 p.m. In Glenn County the burn hours are 8:30 a.m. until 3 p.m. Burn permits can be obtained at the Cal Fire Red Bluff Headquarters or a local Cal Fire station. Burn barrels are not le- gal and citations can be issued. Residents are re- minded to use caution and have consideration for their neighbors while burning. Only dry, natural veg- etative material such as leaves, pine needles and tree trimmings may be burned. The burning of trash, painted wood or other de- bris is not allowed. Do not burn on windy days. Piles should be no larger than four feet in diameter and in height. You can add to pile as it burns down. Clear a 10 foot diameter down to bare soil around your piles. Have a shovel and a water source nearby. An adult is required to be in attendance of the fire at all times. Safe residential pile burning of forest residue by landowners is a cru- cial tool in reducing fire hazards. State, Federal and Local land manage- ment and fire agencies will also be utilizing this same window of opportunity to conduct prescribed burns aimed at improving forest health on private and pub- lic lands. For more information on burning, visit www. fire.ca.gov. TEHAMA COUNTY Burn permit suspension to be li ed Monday Mary Hunt 744 Main St., Red Bluff NEWARRIVALS ❃ UNIQUE CRYSTAL PENDANT ❃ COPPER CUFF-BRACELET ❃ L'EPI DE PROVENCE SOAP ❃ DESERT SAGE & MIXED ❃ ROCKS AND MINERALS OpenMondaysforHolidays (September-December) Smog Check (MOST CARS & PICK-UPS) 527-9841 • 195 S. Main St. starting at $ 29 95 + $ 8 25 certificate Shop Equipped With 4SmogMachines For Fast Service No appointment Needed 734MainStreet 530-690-2477 11am-9pm Mon.-Thur. 11am - 10pm Fri. & Sat. 11am-8pm Sun. 9 CRAFT BEERS ON TAP Pizza Restaurant Servicingyourdisposalneedsin Tehama County, and the City of Red Bluff including Residential, Commercial, and Temporary bin services. GREENWASTEOFTEHAMA A WASTE CONNECTIONS COMPANY 530-528-8500 1805 AIRPORT BLVD. RED BLUFF, CA GreenWasteisaproud supporter of local events. $28 A Month Offer Expires 10-31-2015 Call for details (530) 529-1220 100 Jackson St. Red Bluff www.TehamaCountyRealEstate.com 530529-2700 314 Washington St, Red Bluff, CA LIFESTYLES » redbluffdailynews.com Friday, October 30, 2015 » MORE ATFACEBOOK.COM/RBDAILYNEWS AND TWITTER.COM/REDBLUFFNEWS A5