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IfIhadadollarforev- ery person who has ever asked me, "Why didn't anyone ever tell me how to man- age money and stay out of debt when I was a kid?!" I'd be a wealthy woman. If you have kids in your life as young as 3 and up to young-adult age, consider these excellent books to get those conversations started that can open the doors to financial literacy. "Those Shoes," by Mari- beth Boelts. This book fea- tures a young boy, a pair of shoes and learning the difference between needs and wants. All Jeremy wants is a pair of those shoes, the ones every- one at school seems to be wearing. Though Jeremy's grandma says they don't have room for "want," just "need," when his old shoes fall apart at school, he is more determined than ever to have those shoes, even a thrift-shop pair that are much too small. But sore feet aren't much fun, and Jeremy soon sees that the things he has — warm boots, a loving grandma and the chance to help a friend — are worth more than the things he wants. Ages 5 to 8. About $7. "Fancy Nancy and the Fabulous Fashion Bou- tique," by Jane O'Connor. Fancy Nancy, a girl who enjoys turning even the most ordinary events into fabulous occasions, figures out how to earn money first then spend. Ages 4 to 7. About $12. "A Chair for My Mother," by Vera B. Williams. Af- ter the protagonist's fam- ily loses its home in a fire, the family members de- cide to save coins to buy a new chair for their home. The mother is a waitress and tries to save all of the money she can to help out the family. The mother and daughter put all of the money they save in a jar. When the jar is full they go out and buy a beautiful chair for the family to en- joy. A story of love and de- votion. Ages 5 to 8. About $7. "The Money We'll Save," by Brock Cole. When Pa brings a tur- key home to fatten for Christmas dinner, he as- sures Ma that it will be no trouble since it can live in a box by the stove and eat table scraps — and just think of the money we'll save! But it's not quite so simple to raise a turkey in a tiny flat in a 19th-century New York City tenement. How the family joins to- gether to solve this last difficulty makes for a very funny and satisfy- ing holiday story. Ages 4 to 8. About $16. "Lemonade in Winter: A Book About Two Kids Counting Money," by Em- ily Jenkins. On a cold win- ter day, Pauline and her younger brother, John- John, decide to have a lem- onade stand. Gathering all their quarters, they buy their supplies and make lemonade, limeade and lemon-limeade. On their mostly empty street with the snow falling, they at- tract a few customers. What happens becomes a beautiful tribute to trust and tenderness shared by siblings. This lovely story is an entrepreneurship how-to that celebrates the thrill and realities of free enterprise; it's a parable about persistence. Ages 3 to 7. About $14. "The Everything Kids' Money Book," by Brette McWhorter Sember. How to earn it, save it and watch it grow. From sav- ing for a new bike to in- vesting their allowance online, kids get the "cents" they need with this. Kids will also learn how coins and bills are made, what money can buy (from school supplies to fun and games); how credit cards work, ways to watch money grow from savings to stocks and more. Non- fiction. Ages 7 to 12. About $8. "National Geographic Kids: Everything Money," by Kathy Furgang. A wealth of facts, pho- tos and fun. Kids will also learn about money around the world from a National Geographic ex- pert, featured in "Explor- er's Corners" throughout the book. Packed with fun facts and amazing pho- tographs, this book gives kids an in-depth look at this fascinating and im- portant topic. Ages 8 to 12. About $9. "The Motley Fool In- vestment Guide for Teens: 8 Steps to Having More Money Than Your Parents Ever Dreamed Of" by Da- vid Garner. A hip, funny, cynical, opinionated and right-on book geared to teens. Ages 12 and older. About $10. "The Money Class: A Course in Basic Money Management for Teens and Young Adults," by Mi- chael James Minyard. Money management is a skill the young people of today know very lit- tle about. Most young adults leave high school or college faced with debt and not knowing how to make good financial de- cisions. Their futures de- pend on knowing the con- cepts of financial literacy. This book has will open up great conversations about money and respon- sibility with your teens. Ages 12 and older. About $20. For a link to this book and the rest of the books mentioned in this col- umn, please visit www.ev- erydaycheapskate.com/ kidsmoney. 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. EVERYDAYCHEAPSKATE Nine of the best money books for kids and teens Mary Hunt By Jennifer Cooper Social Security manager in Redding It's that time of year again: time to start pre- paring to file your taxes. If you receive Social Security benefits, one of the docu- ments you will need when filing your federal income tax return is your Social Security Benefit Statement (Form SSA-1099). Your Social Security benefits may be taxable. This includes monthly re- tirement, survivor, and disability benefits. About one-third of people receiv- ing Social Security bene- fits must pay taxes on some of these benefits, depend- ing on the amount of their taxable income. This usu- ally happens only if you have other substantial in- come — such as wages, self- employment, interest, div- idends, and other taxable income that must be re- ported on your tax return — in addition to your So- cial Security benefits. You will never have to pay taxes on more than 85 percent of your Social Security bene- fits, based on Internal Rev- enue Service (IRS) rules. To find out if you must pay taxes on your bene- fits, you will need your So- cial Security Benefit State- ment (Form SSA-1099). You should automatically re- ceive your 1099 form each January. It shows the total amount of benefits you re- ceived from Social Security in the previous year so you know how much Social Se- curity income to report to the IRS on your tax return. The 1099 form is not avail- able for people who receive Supplemental Security In- come (SSI), as SSI pay- ments are not taxable. Whether you file your taxes early or wait until the deadline, Social Secu- rity makes it easy to ob- tain a replacement 1099 form if you didn't receive one or misplaced yours. You can get an instant replacement quickly and easily by using your secure online my Social Security account. If you don't already have an account, you can create one in minutes. Follow the link to the my Social Secu- rity page, and go to "Sign In" or "Create an Account." Once you are logged in, se- lect the "Replacement Doc- uments" tab to obtain your replacement 1099 form. If you create a my Social Se- curity account, you can also use it to keep track of your earnings each year, manage your benefits, and more. You can also obtain a replacement 1099 form by calling us at 1-800-772- 1213 (TTY 1-800-325-0778), Monday through Friday from 7 a.m. to 7 p.m., or by contacting your local So- cial Security office. If you live outside of the United States, please contact your nearest U.S. Embassy or Consulate. With a my Social Se- curity account, gathering your Social Security infor- mation for tax season has never been easier. Open your own personal my So- cial Security account today at www.socialsecurity.gov/ myaccount. SOCIAL SECURITY Yourbenefitstatementandtaxpreparation DAILYNEWSPHOTO These are panels that are part of the Poverty A-Z display at the Red Bluff branch of the Tehama County Library. Poverty A-Z is a multi- media installation incor- porating photography and music with the spoken and written word, presenting voices and stories from across the state. The stories are real. The art and music is original. The impact is life-changing. This interactive art ex- hibit will be hosted at var- ious Tehama County sites through April. The exhibit is open to the public for viewing at the Tehama County Li- brary, 645 Madison St. in Red Bluff during posted li- brary hours. Future locations will in- clude the Rodger's The- ater in Corning, Tehama County Museum in Tehama and Rolling Hills Casino in Corning. The exhibit is presented by the Tehama County Community Action Agency and Tehama County Pov- erty A-Z. For more information, write to CAAinfo@tcdss. org or call 527-6159. TEHAMA COUNTY Poverty A-Z exhibit displayed REDDING Shasta College and multiple fire agencies started offering intensive weekend trainings to bet- ter prepare firefighters in the area. The project is the out- growth of the Public Safety Training Consortium, a group of college and fire agency personnel that was started almost two years ago. So far, two trainings havetakenplacewithmore than 60 attendees, and three more are scheduled between now and the start of the next fire season. Shasta College is uniquely equipped to pro- vide these trainings be- cause it has an extensive interactive videoconfer- encing network which it uses regularly for college classes. This system, known as ITV, allows for inter- action with an instruc- tor from various other lo- cations. For these train- ings, students can attend at locations in Weaver- ville, Burney, Red Bluff and Amador County as well as Redding. "We are thrilled to be servingourlocalfirefighters through these trainings," said Dean Eva Jimenez, co- chairwoman. "Without this partnership, local firefight- ers would have to travel to otherparts ofthestate orgo without specialized train- ing that they need." "Due to the diversity and complexity of public safety in California, it is para- mount that we share re- sources," said Brett Gou- vea, deputy chief for Cal Fire and co-chairman. "By combining the efforts of the various public safety agencies, we are ensuring the delivery of a high qual- ity cooperative training program that will meet the specific needs of each de- partment." The trainings are free for participants because they are non-credit courses, a type of class that carries no units and therefore no unit fees. For more information, call 242-7565. SHASTA College teams with fire agencies to provide critical training Topsoilfrom Red Truck Rock Yard, LLC • Standard Blends • Premium Blends • Special Blends • Also Available: Mushroom Compost Mulch • Worm Castings Open Monday through Friday 8:00 am to 5:00 pm. We'llalsodeliverstraighttoyou. WE HAVE MOVED SALE 25% OFF ALL INVENTORY Visit us at 6041 Hwy 99W Corning 530-824-0773 530-528-8000 BridalJewelry WeddingServices TravelingAura CameraforShowers &Parties Gold Exchange LetThe Romance Begin... Gifts for Bridesmaids & Groomsmen LIFESTYLES » redbluffdailynews.com Friday, February 12, 2016 MORE AT FACEBOOK.COM/RBDAILYNEWS AND TWITTER.COM/REDBLUFFNEWS A5