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RandyHessandRyan Hock, both of South Lake Tahoe, compete at the 2016United States Snowboard Association National Championships. Below: Steven Hoptowit of White Swan Washington and former Red Bluff residents Randy Hess and Ryan Hock, both now residing in South Lake Tahoe, pose for a picture a er placing at the 2016 United States Snowboard Association National Championships. CONTRIBUTEDPHOTOS In the spirit of celebrat- ing the 100th birthday of the National Park Service, Whiskeytown National Recreation Area is adding two ranger-guided water- fall hikes to those previ- ously scheduled for Water- fall Week this week. On both Thursday, April 21, and Friday, April 22, Su- perintendent Jim Milestone will lead hikes to the park's highest waterfall, the 220' Whiskeytown Falls. Learn about the wonders of Whis- keytown while advancing you one waterfall closer to completing the Whiskey- town Waterfall Challenge. Visitors can complete the Whiskeytown Water- fall Challenge on their own by obtaining a free Water- fall Challenge Passport at the visitor center or by ob- taining one on a ranger-led hike. With the passport, visitors can hike to Brandy Creek, Boulder Creek, Crys- tal Creek and Whiskeytown Falls and stop at the trail register located at the base of each waterfall. Each register has a unique bronze plaque which visitors can use to create a colored impression within their passport. Once all four waterfalls are com- plete, visitors can then re- turn the passport to the vis- itor center to receive their completion stamp and a special gift while supplies last. The challenge can be completed during multi- ple visits, or, finish them all in one day for bragging rights. Join a park ranger for free ranger-led hikes to the park's four major water- falls, including ADA acces- sible Crystal Creek Falls. During Waterfall Week, weekend hikes will be of- fered at 9 a.m. Thursday, April 21 — Whiskeytown Falls; 9 a.m. Friday, April 22 — Whiskeytown Falls; 9 a.m. Saturday, April 23 — Boulder Creek Falls and 1:30 p.m. Crystal Creek Falls and 9 a.m. Sunday, April 24 — Whiskeytown Falls and 1:30 p.m. Crystal Creek Falls. WHISKEYTOWN More guided waterfall hikes added SNOWBOARD DEAR MARY: I have a lot of books I'd like to get rid of — mostly on the subject of internet technology. What is the best way to sell used books? — Deborah DEAR DEBORAH: There are multiple online sites that buy used books — each with different cri- teria. And let me warn you — book buyers can be fickle about which books they're buying on any par- ticular day. It all depends on trends and what par- ticular set of subjects the buyer believes is hot for its particular audience. Rather than try to find all of the individual com- panies that purchase used books yourself, I suggest you go to BookScouter. This is a one-stop shop that searches 55 different online book buyers with one click. You'll quickly discover which book dealer, if any, is inter- ested in buying the books you have. With that kind of an audience looking at what's on your book- shelves, I think you have a decent chance at mak- ing quite a few sales. Most buyers make it easy to send the books by paying for shipping and allowing you to simply print a pre- paid mailing label. Just keep in mind that IT is a quickly changing field. If you are unable to sell the books, the IRS will allow you to take a fair-market tax deduc- tion when you donate the books to a recognized charitable organization such as The Salvation Army. If you go that route, make sure you use Money For Your Used Clothing to properly value your do- nations. You don't want to get audited only to dis- cover that the values you assigned to your donated items are not anything close to what the IRS sees as their values. Good luck. I hope you can make a lot of sales. DEAR MARY: I en- joy your column, and just read the one about life insurance. My husband and I retired within the last year and are 64. We live on our social secu- rity plus investment in- come from 401K and SEP/ IRA accounts. We don't have a lot of "extra" in- come but we live frugally and are doing fine. I have a $250,000 term life pol- icy and my husband has a $150,000 term policy. Should we keep these, or reduce our monthly pay- ments and cancel them? — Gail DEAR GAIL: There is only one reason to have life insurance: To replace income that upon your death would disappear, leaving your dependents financially destitute. Let's look at your situa- tion. You do not mention any dependents, such as children, grandchildren or elderly parents who depend on your income. That leaves you with one another. If your husband were to precede you in death — even with the provision that you would continue to receive the higher of your two Social Security monthly benefit checks — would the loss of the smaller monthly check put you into a fi- nancially difficult posi- tion? If you answer yes, then life insurance is an excellent way to replace that income that will go missing and upon which you will depend. As for the funds in your 401k and SEP/IRA accounts, either of your deaths should not affect them, provided you have named each other as ben- eficiaries. Once you have deter- mined the monthly in- come you will need to re- place upon either of your deaths, multiply that by a reasonable life expec- tancy of the remaining spouse. That is a good es- timate of the amount of term life insurance each of you need. I suggest you leave the policies in place for now, while you do your own in- dependent research. As you age, life insurance be- comes more expensive and many companies re- quire a health exam as part of the application process. I wouldn't cancel any term insurance un- til you are confident a re- maining spouse will be well protected without it. Wouldyouliketosend a tip to Mary? You can email her at mary@eve- rydaycheapskate.com, or write to Everyday Cheap- skate, 12340 Seal Beach Blvd., Ste. B-416, Seal Beach, CA 90740. EVERYDAY CHEAPSKATE Gotbooksyouno longer need or what? Turn 'em into cash Mary Hunt If you are unable to sell the books, the IRS will allow you to take a fair-market tax deduction when you donate the books to a recognized charitable organization such as The Salvation Army. REDBLUFF FORMER RESIDENTSPLACE ATSNOWBOARD CHAMPIONSHIPS Two former Red Bluff res- idents placed at the 2016 United States of America Snowboard Association Na- tional Championships held April 3-7 at Copper Moun- tain, Colorado. There were more than 400 competitors from all over the United States, Can- ada and Australia compet- ing in several different age groups. Red Bluff High School graduates Randy Hess and Ryan Hock traveled to com- pete in the 23- to 29-year- old Senior Men's Divi- sion. Hess is the de- fending Overall National Cham- pion in that age group. Hock was last year's Overall Na- tional Cham- pion in the 18- to 22-year-old division. He moved up to Se- nior's this year. To qualify for the Overall Title, a competitor needed to compete and finish in all five disciplines, which included Slalom, Giant Sla- lom, Slope Style, Boarder Cross and Half Pipe. Most snowboarders only compete in a few of these disciplines. Both men had a very good week. Hess won Gold in four of the five events and brought home a Bronze in another making the podium in all five events. Hock won four medals, brining home three Silvers and a Bronze. Hess won Gold in Slope Style, Half Pipe, Slalom and Giant Slalom and a Bronze in the Boarder Cross competition. Hock won Silvers in the Slalom, Giant Slalom and Half Pipe and a Bronze in the Slope Style event. Both snowboarders com- peted for the Red Bluff High School Snowboard Team. Hess, 26 and Hock, 23 live in South Lake Tahoe and compete out of the South Lake Tahoe Series, where they had to qualify. Hess is the son of Ken and Debbie Hess of Red Bluff. Hock is the son of Jeff and Jamie Hock of Red Bluff. Red Bluff High School graduates Randy Hess and Ryan Hock traveled to compete in the 23- to 29-year-old Senior Men's Division. 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