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Kay Stephens, M.D., along with Redding Can- cer Treatment Center, is the first surgeon in Red Bluff to offer an advanced therapy for breast cancer as part of breast conserva- tion therapy, which can provide important advan- tages for women with early stage breast cancer. Breast conservation therapy includes the surgi- cal removal of the cancer- ous tissue within the breast plus tissue immedi- ately around the tumor followed by radiation. This approach is an alter- native to mastectomy, which removes the entire breast and is often fol- lowed by breast recon- struction. Stephens' office is at 2440 Sister Mary Colum- ba Drive, Ste. 100, and can be reached at 529-4727. Are you a member of the Sandwich Generation? This designation — which applies to people caring for their aging parents while supporting their own children — may be applic- able to you if you're either a younger Baby Boomer, born in the late 1950s or early 1960s, or an older member of Generation X, born in the mid-1960s. But any way you slice it, being in the Sandwich group is probably going to present you with some challenges, particularly of the finan- cial kind — so you'll need to make the right moves. Basically, you should consider two areas of deci- sion-making — those affecting the future of you and your children and those affecting your elder- ly parents' lifestyle and legacy. Regarding your future, and that of your children, you'll need to prioritize your goals. Some people, when weighing the merits of investing for retirement versus saving for their children's college educa- tions, conclude that while loans are available for col- lege, none are offered to retirees. Consequently, they focus more heavily on retirement. If you're in this camp, you'll probably want to contribute as much as you can possibly afford to your IRA and 401(k) or other employer-sponsored retirement plan. However, if you feel strongly about helping your kids go through col- lege relatively debt-free, you may want to explore some college-savings options, such as Section 529 plans and Coverdell Education Savings Accounts, both of which offer significant tax advan- tages. In any case, these goals don't have to be mutually exclusive — but if you're going to address them both, you will have to make some key decisions regarding allocation of resources. And while you're handling these issues for yourself and your children, you'll need to juggle the needs of your elderly parents. With luck, you won't have to con- tribute financial- ly, but you may be required to put in some time and energy to help make sure your parents' sit- uation remains positive. This means you'll need to ask some ques- tions. Where do your parents bank? Do they have a brokerage account? If so, do you know the name of their financial advisor? Have they taken steps to remain financially inde- pendent if they ever need to go to a nursing home or employ home health care assistants? Have they drawn up a will, a living trust or other estate plan documents? Would they be willing to have you or another family member assume power of attorney should they become inca- pacitated? In raising these ques- tions, you will have to approach your parents with tact and sensitivity. However, you may be pleas- antly surprised at your parents' willingness to talk about these issues; after all, they almost surely want to avoid burdening you with extra f i n a n c i a l responsibilities. The best time to approach your parents is when they are healthy, both mentally and physi- cally. Tyler Smail is a 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. 4A – Daily News – Wednesday, February 3, 2010 The Electric Man For all your electrical needs • New Outlets / 220 • Fans / Fixtures • Pools / Spas • Code Corrections • Troubleshooting • Panel Upgrade • Telephone Wiring 347-4441 $10.00 Customer Discount FREE Estimates License# 826543 DW PLUMBING INC. Local Plumbers Serving all Your Plumbing Needs Since 1993 530 527-6403 Lic. No 679492 Major Credit Cards Accepted Attention TAX PREPARERS! Need more clients this tax season? The Daily News reaches more Tehama County adults more often than any other advertising medium! 16,000 readers daily Daily newspaper readers tend to have higher educations and median age than non-readers. They enjoy higher household incomes, retiring with greater assets. The Daily News offers short-term Advertising programs for as little as $ 5. 19 per day! Or, invest in a 4x ad "flight" and enjoy a "Business Spotlight" photo and write-up feature on your business, at no extra cost! For more information, Call The Daily News Display Advertising Department Today (530) 527-2151 Commerce business&enterprise Downtown, everything's waiting for your Tod Dolling, owner of Dolling Insurance is serving as president of the Downtown Red Bluff Business Association for the second time in 2010. Dolling previously served as President in 1997. Based on the Nominating Com- mittee recommendation and Board of Directors approval at the Janu- ary DRBBA meeting, Dolling is assisted by Vice President Bill Dixon, Mon- tana Morrison Museum & Art Gallery; Secretary Jesse Woods, The Gold Exchange; and Treasurer Tyler Smail, Edward Jones Co. Dolling invites all downtown businesses to get involved with the DRBBA this year and to attend the monthly meetings on the third Wednesday of each month at 8 a.m. at the Countryside Café, 638 Wash- ington St. *** All Downtown businesses are urged to assist in the Food From the Heart campaign — a month-long food drive in support of the efforts of the Tehama County Food Bank help- ing those in need. The final day of the drive is Valentine's Day - Feb. 14. DRBBA board members and event co-ordinators Dolling and Smail say the event is also being sponsored by the Daily News and radio station KBLF, urging donations of non-perishable food items be dropped off at downtown businesses. Downtown businesses have been asked to help by utilizing donation boxes and by e-mailing and contact- ing customers to let them know of the campaign. Questions or comments about the drive can be direct- ed to Dolling at 527-1616 or Smail at 527-3627. *** A varied set of promotional events will be taking place in Downtown Red Bluff during the next few months in an attempt to attract more customers, according to DRBBA Promotion Committee Chairwoman Irene Fuller. The schedule includes the Food From the Heart campaign through Valentine's Day, for the Tehama County Food Bank, Red Bluff Round-Up Kick-off weekend with chili cook-off on April 10; Girl Friends Day on May 22, and June Patriotic Day with the second annual Veteran's Appreciation Day on June 12. In addition, Fuller says a sidewalk sale will be scheduled on the first weekend or the third Saturday of May, June, July and August. The Promotion and Marketing Committee meets on the second Wednesday of each month and that all downtown business representa- tives are urged to attend the meetings and help plan the promotional events and sales that are needed to bring more customers to the downtown area. To participate, or for details regarding any of the scheduled pro- motions, call Fuller at 527-5180. *** In an effort to communicate with businesses quickly and completely, the Downtown Red Bluff Business Association and the Red Bluff- Tehama County Chamber of Com- merce are attempting to complete a list of all DRBBA and chamber e- mail addresses. Please call the chamber office at 527-6220 or send an e-mail to rbchamber@att.net with your e-mail address. The list will only be used for official DRBBA and chamber busi- ness and will not be given out to any individual, organization, etc. ——— The We Mean Business column is prepared and submitted by the Red Bluff-Tehama County Chamber of Commerce. Florist blooms in spotlight • New Members - The Corning Chamber of Com- merce welcomes these new members: River Valley Community Outreach Center, 390 Virginia St. in Grid- ley, 701-4462 and Three Rivers Chapter – American Red Cross, 2125 East Onstott Road, Yuba City, 673- 1460. • Business Spotlight – Corning Florist, 1124 Solano St. is the spotlight for the week. Charlotte Moore is owner and operator of the business with her daughter, Theresa, working along side her. Moore has owned the business for the last 20 years and has been a member of the chamber for almost as many. The business is a member of the wire service that enables people from all over the world to receive or order flowers for someone in Corning. The motto is, We Deliver Happiness. It creates flower arrangements for weddings, funerals and birthdays. It also has real and silk plants, stuffed animals and other gifts. Moore and her husband will have been married 28 years in October, and she has two children, and eight grandchildren. They love to travel by car to see wild animals, flowers and scenery. They have travelled in every state except Alaska. Corning Florist will be open Sunday, Feb. 14 for Valentine's Day, so if you would like to order flowers call 824-4311 or stop by the shop. • Corning in the Morning – Thursday, Feb. 11 the Corning Friends of the Library are hosting the morning get together at the Corning Library at 8 a.m. There will be no evening event this month. Join us for some break- fast goodies and coffee and bring your business card for a chance to win a door prize. • Marriage Seminar – Feb. 12-14 New Life Assem- bly will be holding a marriage seminar — Building an Emotionally Healthy Marriage. The seminar begins Friday, at 5:30 p.m. with a meal and teaching. Saturday from 9 a.m. to 7 p.m. includes all three meals. There will be a giveaway weekend for a couple at a Tahoe resort. Tickets are $75 per couple. Call for tickets now at 824-3426. • Dinner Dance – Saturday, Feb. 13 at 6 p.m. at the Paskenta Community Hall there will be a Valentine's Soup and Salad Dinner and Dance with the Cotton- wood Band. Tickets can be purchased at the Flournoy Country Store and from Emily Murphy for $10 per per- son. Children 5 and younger eat free. Menu includes clam chowder and Mexican meatball soup, salad and bread, dessert, coffee, tea and punch. Bring desserts to share after dinner. • Business Luncheon – New Life Assembly will begin holding a monthly Business Luncheon starting Feb. 23. Doors will be open at 11 a.m. at the Sweet Life Café, 660 Solano St., and lunch will be served at 11:30 a.m. After lunch Mike Daugherty, a national trainer, will provide a free, 45-minute training on the new Red Flag compliance rules that go into effect June 1 and dis- cuss what is needed for local business owners to obtain some of the Reinvestment Act funding to assist busi- nesses. For more information call 824-3426. ——— This column is prepared and submitted by the Corning Chamber of Commerce. Sandwich Generation needs to avoid financial squeeze Surgeon offers new therapy Enrolled agent opening Rose Hablitzel is opening Rose Hablitzel Enrolled Agent at 208 Elm St. in Red Bluff. A ribbon cutting for the business will be held at 8:30 a.m. Friday. The tax and audit representation business, which includes payroll and bookkeeping, will be open 9 a.m. to 5 p.m. Hablitzel is an enrolled agent with the IRS and has a bachelor's in human resources management, business administration. She has spent the last 26 years as a tax representative in Red Bluff. Tyler Smail