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Red Bluff Dodge will host a Christmas Breakfast — to replace the Red Bluff- Tehama County Chamber of Commerce's December Good Morning, Red Bluff event — at 7:45 a.m. Thurs- day, Dec. 10 at the Red Buff Dodge Showroom, 545 Adobe Road. Hot and delicious break- fast and networking with Red Bluff and Tehama County's finest. Bring a toy for the less fortunate for the CHiPs For Kids program. Also,signupbetweennow and Dec. 10 for free at Red Bluff Dodge to win a $500 Christmas gift card from Walmart. Winner selected directly after the Christmas Breakfast at 9 a.m. MerryChristmas As always, the holiday season is jam-packed from start to finish. We've just wound up our annual Christmas Parade, and we're off and running for the rest of the month. Here are some things to get on your busy calendar. Be sure and get your com- pany or organization calen- dar events for 2016 into Ja- son by Monday. We want to get the 2016 calendar out in early January and would love to get your events on that calendar. Because of the Christmas holiday, there will be no Good Morning, Red Bluff in December. Our next Good Morning, Red Bluff will be out at the fairgrounds on Jan. 28, 2016 during the Red Bluff Bull & Gelding Sale, hosted by the Tehama County CattleWomen. The chamber is helping two different organizations gather toys for children during this Christmas sea- son: CHiPs For Kids and Toys for Tots. If you haven't already re- ceived your first ever Cham- ber Visitor Guide and Mem- ber Directory, keep your eyes open; the folks from North Valley Services are out and about delivering them at this time. Let us know what you think of it. Finally, even though this is a busy time of the year, the chamber board and staff want to thank you for your gracious and continu- ing support of our efforts to render meaningful services to our members and our great community. Thank you, thank you, thank you. Scott Camp, chairman Chamber Ambassadors There are so many great holiday events to attend and support this month. CHiPs for Kids Toy Drive will be collecting toys through Dec. 13. Help them spread holiday cheer and drop off a new, unwrapped toy at one of the many locations such as Red Bluff Dodge, Lariat Bowl, Tehama Country Visi- torCenterorthechamberof- fice. There will be a televised food drive, collecting non- perishable food items 3-7 p.m. Tuesday, Dec. 8 in the Raley's parking lot, hosted by Tri-Counties Bank. Don't miss out on Merry Martinis on Main 6-9 p.m. Saturday, Dec. 12. Tickets in advance are $10 at En- joy the Store and include $10 off a purchase of $25 or more at one of the many participating downtown stores. Support shop local. Amanda Jenkins, Am- bassador chairwoman Many amazing entries Thanks everyone for par- ticipating in the parade — one of the largest yet. Good job Red Bluff and Tehama County. Thank you Downtown Business Association for sponsoring this great fam- ily event with the chamber. Thank you Christmas Pa- rade judges. Joining Dennis and Jeannie Garton were Chris Heath and Jessica Bachman. Amanda Jenkins did a great job announcing the parade this year. Congratulations to the Tehama County Library as grand marshals of the pa- rade. 2015 Red Bluff Christmas Parade results Animal Drawn Vehicles — Magical Elves of Christ- mas; Equestrian — Red Bluff Jr. Round-Up Roy- alty; Floats — Westside 4-H; Marching Units — Red Bluff Derby Girls; Bands — Red Bluff High School Marching Band; Novelty — Tehama County Search and Rescue; Vehicle Units — Cal Fire Your plaques may be picked at the chamber. Con- gratulations to all. A special thank you to the Tehama County Search and Rescue for coordinat- ing this event. View Christmas Parade pictures at www.redbluff- chamber.com or our Face- book page. Open house The Red Bluff Branch of Banner Bank invites you to their open house 10 a.m. to 4 p.m. Thursday, Dec. 3. The chamber will con- duct a ribbon cutting at 10 a.m. at the 950 Main St. business and light refresh- ments will be served all day. Come by and see famil- iar faces at the new Banner Bank branch. REDBLUFFCHAMBER Ch am be r Ch ri st ma s Breakfast set for Dec. 10 This Thursday, Decem- ber 3, Banner Bank will be hav- ing an open house 10 a.m. to 4 p.m. Thursday, Dec. 3, and everyone is invited. There will be a ribbon cutting at noon. Light refreshments will be served throughout the day. Banner Bank is at 1201 Solano St. Hometown Christmas ComeoutSaturdaytovisit our Hometown Heroes who will be parked in front of Rodgers Theatre on Solano between noon and 4 p.m. We are honoring our mili- tary, firefighters and law en- forcement and we hope that you will visit with them and thank them for their service. Craft vendors will be inside thetheatreandfoodvendors outside. The Corning Exchange Club will be located across the street at the Bank of America drive-through. There will be other craft vendors at the Veterans Me- morial Hall as well. Christmas Mixer You are invited to the Annual Chamber Christ- mas Mixer at 5:30 p.m. Thursday, Dec. 10, hosted by Rabobank at 950 State Route 99W. Come and en- joy an evening of Christmas cheer as we get into the hol- iday mood. Rancher's Deli will provide appetizers and there will be refreshments. Art shows During Hometown Christmas this Saturday noon to 4 p.m. there will be three art exhibits in town. Edward Jones at 1401 So- lano St. will host local pro- fessional artists, H&R Block will display the high school art students' artwork and the Corning Museum, 1110 Solano St., will exhibit the late Robin Blomquist's art from the time she was in the School of Fine Arts in San Diego in the early 1930s and later. Blomquist was an art and mechanical drawing teacher at Corning Union High School 1954-1961, and also taught adult classes for Shasta College and private classes. Blomquist is re- membered by many who had her as their art teacher in high school but she was also a reading specialist and taught at Gerber El- ementary, Flournoy Ele- mentary and was a substi- tute teacher in the Corning area schools. The exhibit is free and will remain until the sec- ond week of January. Lighted House Contest and Tour Deadline for the Lighted House contest is Friday,Dec. 11 and judging will take place 5:30-9 p.m. Monday, Dec. 14. The winner will be added to the TRAX Lighted House Bus Tour on Dec. 18, and will be featured in the newspaper and social media as well as receive two dinner tickets to the Chamber's In- stallationDinnerinJanuary. New business West-End Pharmacy will be open Dec. 14 with a grand opening planned for later. The pharmacy is at 965 State Route 99W in the Heritage Shopping Center, next to Little Caesar's Pizza. CORNING CHAMBER Bank to hold open house Thursday When will the Fed- eral Reserve raise interest rates? This question has been on the minds of economists and finan- cial market prognosti- cators for quite some time now. But what does it mean to you, as an individual investor? First of all, it's impor- tant to understand just what is meant by "rais- ing rates." The Federal Reserve, or the "Fed," di- rectly controls short-term interest rates, although, through various mea- sures, it can also affect long-term rates. Typically, the Fed will lower short- term rates to stimulate the economy. Conversely, the Fed will raise rates to slow down the economy if it seems to be "overheat- ing" and threatening to push inflation to exces- sive levels. Since the end of 2008, when the financial cri- sis hit, the Fed has kept short-term rates close to zero. But now, follow- ing several years of rea- sonably strong economic growth, the Fed appears poised to raise rates. No one can really predict the exact timing of the rate hike, but statements from the Fed indicate that it seems to be a matter of "when," not "if." Fed chairperson Janet Yellen has indicated that when the increase comes, it may be relatively small, and that further in- creases will be spaced out enough to avoid potential "shocks" to the economy. Still, as an investor, you need to be aware of the potential impact of any interest rate increase. So, consider the following: Review your bond hold- ings. As short-term rates rise, shorter-term bonds, and even some "cash" in- struments, may eventu- ally become more attrac- tive than longer-term bonds, which tend to be more volatile. A sell-off of longer-term bonds can push their prices down- ward, so make sure these bonds don't take up too large a percentage of your fixed-income portfolio. Build a bond ladder. A bond ladder may prove beneficial to you in all in- terest-rate environments. To construct this ladder, you need to own bonds and other fixed-rate vehi- cles, such as certificates of deposit of varying ma- turities. Thus, when mar- ket interest rates are low, you'll still have your lon- ger-term bonds, which typically pay higher rates than short-term bonds, working for you. And when interest rates rise, as may be the case soon, you can reinvest your ma- turing, short-term bonds and CDs at the higher rates. Be sure to evaluate whether the bonds or CDs held in the ladder are consistent with your in- vestment objectives, risk tolerance and financial circumstances. Be prepared for vola- tility. Certain segments of the financial markets don't like interest rate in- creases — after all, higher rates mean higher bor- rowing costs, which make it harder for businesses to expand their operations. Therefore, depending on the composition of your portfolio, be prepared for some volatility when rates start moving up. However, since the Fed has already indicated it is likely to raise rates fairly soon, such a hike may al- ready be largely "priced in" to the market, so any turbulence may be some- what muted. By taking these steps, you can help contain the effects of rising interest rates on your own invest- ment outlook. Ultimately, as an investor, you need to concentrate on those things you can control, no matter what the Fed- eral Reserve decides to do. And that means you need to build a diversi- fied portfolio that reflects your goals, risk tolerance and time horizon. Main- taining this type of focus can help you — no matter where interest rates are headed. Thisarticlewaswritten by Edward Jones for use by your local Edward Jones Financial Advisor. Tyler Smail is a financial advisor for Edward Jones, his office is located at 733 Washington St. in Red Bluff. He can be reached at 529- 3627 or tyler. smail @ edwardjones.com. TYLER SMAIL Ho w ca n th e Fe d' s actions affect you? CONTRIBUTED One of the many floats in Saturday night's Downtown Christmas Parade. Taylor Smail ... Following several years of reasonably strong economic growth, the Fed appears poised to raise rates. Tyler Make2016Count JOBTRAININGCENTER 718 Main Street, Red Bluff Learn about Short-Term Training Options in Manufacturing, Healthcare, Agriculture, Business InformationMeetings: December 2 nd & December 8 th from 9:30-10:30am Healthcare Focus Only: December 3 rd and December 10 th from 10:30-11:30am 744 Main St., Red Bluff NEWARRIVALS ❃UNIQUECRYSTALPENDANT ❃ 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. 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