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Monday, January 25, 2010 – Daily News – 3A N EWS D AILY RED BLUFF TEHAMA COUNTY T H E V O I C E O F T E H A M A C O U N T Y S I N C E 1 8 8 5 NEWSPAPER IN EDUCATION Please help sponsor a classroom subscription Call Kathy at (530) 527-2151 to find out how. • RED BLUFF INTERIORS • MOTHER LODE HOLDING CO. • LP BUILDING PRODUCTS • LOUISIANA PACIFIC • STATE FARM INS. KEITH THOMAS • TEHAMA ESTATES • CALIFORNIA WALNUT CO., INC. • MR. PICKLE'S SANDWICH SHOP • AIRPORT AUTO REPAIR • JOHN WHEELER LOGGING • KAY STEPHENS, MD • QRC • GREENWASTE OF TEHAMA • TRI COUNTIES BANK • MOSS LUMBER & HARDWARE • BRETNEY SUTTERFIELD • HOYT-COLE CHAPEL OF THE FLOWERS • TEHAMA COUNTY ASSOCIATION OF REALTORS • FIDELITY NATIONAL TITLE CO. • SUSANNE WHALEN, DMD INC • PLACER TITLE CO. – Thank You – Through the Newspapers in Education program, area classrooms receive the Red Bluff Daily News every week thanks to the generosity of these local businesses & individuals. N EWS D AILY RED BLUFF TEHAMA COUNTY T H E V O I C E O F T E H A M A C O U N T Y S I N C E 1 8 8 5 100 Belle Mill Road 527-6789 Fran's Hallmark Fran is retiring See store for details Come in and see our new lower prices We are open and NOT CLOSING Everyday 7am-3pm 200 So. Main St. Red Bluff, Ca 529-9488 BUY TWO GET 3RD FREE! equal or lesser value Anything on the menu 623 Main St. 527-5180 Plan for it! END OF SEASON SALE 30% Off Jan. 26th thru 31st Only Clothing & Gear SACRAMENTO (AP) — No ticket matched all six numbers drawn for the California Lottery's ''SuperLotto Plus'' game Saturday night, which had a jackpot of $12 million. The numbers drawn were: 6, 25, 35, 39, 45; Meganumber 23. The grand prize now goes to an estimated $14 million for Wednesday night's drawing, officials said. Lotto numbers Local Calendar To add an upcoming event in the Local Calendar, submit information well in advance to the Daily News, attention Calendar, P.O. Box 220, Red Bluff, 96080 or e-mail to clerk@redbluffdailynews.com. Include a contact name and telephone number. MONDAY, JANUARY 25 Red Bluff Al-Anon, 6 p.m., Presbyterian Church, Jefferson and Hickory (additional meetings noon and 6 p.m. Wednesdays, 6 p.m. Fridays) HIRE (Head Injury Recreational Entity), 10 a.m., St. Elizabeth Community Hospital, Coyne Center, Rusty, 529-2059 Key to Life, 6 p.m., Red Bluff Family Resource Center, 220 Sycamore St. Suite 101, 528-8066 Red Bluff Community Band, 6:45-8:45 p.m., Red Bluff Community / Senior Center, 1500 S. Jackson St., 527-3486. Sun Country Quilters Community Service Group, 9 a.m. to 3 p.m., Red Bluff Family Resource Center, 220 Sycamore St. Suite 101, 528-8066 Sun Country Quilters Guild Meeting, 7 p.m., Westside Room, Red Bluff Community and Senior Center, 1500 S. Jackson St. Corning Healthcare District, 6 p.m., district office building, 145 Solano St., conference room Narcotics Anonymous, and 7 p.m., 815 First St., 385-1169 or 566-5270. Meetings are everyday through Saturday with an additional meeting at noon on Mondays. Sewing group, 9 a.m., Corning Family Resource Center, West and South streets, 824-7670 Spanish Adult Education, 5 p.m., Corning Family Resource Center, West and South streets, 824-7670 Strategies for Success, Life Skill classes, 1:30 p.m., Corning Family Resource Center, West and South Streets, 824-7670 Gerber Gerber Elementary School Board, 6 p.m., Gerber School, 23014 Chard Ave. TUESDAY, JANUARY 26 Red Bluff Alzheimer's and dementia support group, 6 p.m., Lassen House, 705 Luther Road, 529-2900 Battle Creek Watershed Working Group, 10 a.m. to 2 p.m., USFWS, 10950 Tyler Road International Order of the Rainbow for Girls, 6:45 P.M., Masonic Hall 822 Main St. 527-6715 Playtime Pals Playgroup, 9:30 a.m., Red Bluff Family Resource Center, 220 Sycamore St. Suite 101, 528-8066 Red Bluff Elementary School Board of Trustees Special Meeting, 5:30 p.m., District Office, 1755 Air- port Blvd., 527-7200 ext. 104 Red Bluff Garden Club: Roses, 1 p.m., 12889 Baker Road., 529-5122 Red Bluff Rotary, noon, Elks Lodge Tehama County Board of Supervisors, 10 a.m., board chamber, 727 Oak St. Veterans of Foreign Wars Post 1932, 7 p.m. Vet- erans Building, Oak St. Tehama County Patriots, 6 p.m., Westside Grange Hall, 20794 Walnut St. Corning City Council, 7:30 p.m., City Hall, 794 Third St. Jewelry beading class, 9:30 a.m., Corning Family Resource Center, West and South streets, 824-7670 Spanish Adult Education, 1:30 p.m., Corning Family Resource Center, West and South streets, 824- 7670 Gerber Tehama Cemetery District, 4 p.m., cemetery office, 7772 Woodland Ave., Gerber WEDNESDAY, JANUARY 27 El Camino Adult Wood Carving Class, 10 a.m. to noon, Vet- erans Memorial Hall, 735 Oak St., 824-5669 Al-Anon, noon to 1 p.m., Presbyterian Church, Jef- ferson and Hickory Diabetes Education Classes, 6:30 p.m. St. Peters Episcopal Church, 510 Jefferson St., 527-5205, free El Camino Irrigation District, special meeting, 3 p.m., 8451 Highway 99W, 385-1559 Popular money advice you shouldn't take Bad advice: Do not save money for yourself until you have paid off your credit cards. Direct every cent you can scrape together to pay down your credit card debt as quickly as possible. It's not smart to earn 1 percent interest on money you save while you are paying 20 percent or more on your credit card debt. Good advice: That bad advice sounds great, but let's get real. If you do not have an emergency fund, what will you do next month when your car breaks down or next sum- mer when you lose your job? You will run back to your credit cards for a bailout. Unless you are aggres- sively building an emergency fund, you never will get out of debt because unexpected expenses always come up. Instead, you should pull back to making only minimum payments so you can start saving money now. You need to stash all the cash you can, to be used only in a dire emergency. Once you have that fund in place, you will be ready to tackle your credit card debt with a vengeance! Bad advice: Purchase whole life insurance for children. The cash value will pay for college. It guar- antees insurability should that child develop a health issue later that would make him or her uninsurable, and it will pay for the child's funeral if that becomes nec- essary. Good advice: The only purpose for life insurance is to replace income for dependents who would become financially desti- tute if the breadwinner were to die. If you want to save for college, life insurance is not the way to do that. Instead, set up a 529 savings plan or another type of savings or investment vehicle. If you are concerned about a funeral (statistically, the chances of a child's dying are very small), create a funeral account. As for the insurability issue, chances that your child will become uninsurable for health issues are very slim. Unless you have money to burn, buying life insurance on non-wage-earning individuals who have no depen- dents is a terrible waste of money. Bad advice: Do not pay off your mortgage, because you would lose a valuable tax deduction. Mortgage interest on your principal residence is a deductible expense on your fed- eral tax return. Even if you can pay off your mortgage, don't do it. If you don't have a mortgage, get one so you can claim this tax advantage. Good advice: Deductibility is not a wonderful thing. It's a "consolation prize" to ease the pain of having to pay interest. If you pay $12,000 a year in mort- gage interest and you are in the 22 percent tax brack- et, you get to deduct $12,000 from your gross reportable income. That means a tax savings of $2,640 ($12,000 x 22 per- cent equals $2,640). You pay $12,000 to get back $2,640. Does that sound great to you? If so, I'll give you a better offer. Send me $12,000, and I'll double it and give you back $5,280. Deal? 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 The following informa- tion is compiled from Red Bluff Police Department, Tehama County Sheriff's Department, Corning Police Department and California Highway Patrol. Arrests One man was reported- ly arrested after reports that three men were seen beating someone Friday afternoon on Lincoln Street. Theft •A bank deposit was reported stolen Friday afternoon in Red Bluff. •A carton of cigarettes was reported stolen Friday night from Antelope Boulevard. Vandalism Tires were reported slashed Friday morning at Los Amigos Meat Market. Odd Neighbors on Union Street kept banging their respective walls louder, each trying to deter the other from banging so loudly. Police reports Daily News photo by Geoff Johnson From left, Karen Bernal and Jim Reed . Rose Bunting, the compe- tition continues to offer good entertainment for her children. At 4, Bunting's daugh- ter Riley hasn't participat- ed in the Junior Ranch Rodeo competition, in which children rope a dummy calf. But roping is her favorite competition, and she would like to try taking on the dummy calf herself, Riley said. J H Ranch, of Standish, was the Top Team with Rob Pyle, Bill Finks and Dan Holland winning the silver championship buck- les, as reported by Daily News columnist Jean Bar- ton. Top Horse was Blondie, a palomino ridden by Wyatt Bourdet of Spring Ranch in Shandon. Bour- det received a silver bit donated by Bub Ragan Excavating, a handmade headstall from Judd Miller and new reins donated by Cunningham Fences. Second place was a tie between ENG Ranches, Carrisa Plains with Philip Selby, Darrell Norcutt, Danny Leslie and the Rice/Sparrowk Ranches, Clements with Rich Rice, Jeff Sparrowk and Lee Whitney. The spurs went to Rice/Sparrowk and the stirrups went to ENG Ranches. ——— Geoff Johnson can be reached at 527-2153, extension 114 or gjohnson@redbluffdailyne ws.com. Continued from page 1A SKILLS ing the fire marshall division chief position. "Without a dedicated person in there we are going to fall behind in fire prevention programs and other safety codes," Bachmeyer said. Another staffing goal is to devel- op ways to retain reserve personnel or explore the possibility of a sea- sonal firefighter program during the summertime. As far as resources, a second sta- tion may be necessary as the one the department is operating out of has become antiquated and has limited space. The full report is available at the fire department's front office or at www.rbfd.org. ——— Tang Lor can be reached at 527- 2153, Ext. 110 or by e-mail at tlor@redbluffdailynews.com. Continued from page 1A FIRE gap, they would have implemented them in the Legislature," Parker said. Parker, himself a tax attorney for the Franchise Tax Board, said his insider knowledge of how the board works will help him as he seeks ways to close the gap. He also pledged to fight practices of allowing parties in board cases to wine-and-dine board members before decisions are made, and to treat small businesses and large cor- porations alike. Continued from page 1A DEMS