Issue link: https://www.epageflip.net/i/730305
Friends of the Chico State Herbarium's 6th Annual Fall Photo Event will celebrate California's flora. The group invites pho- tographers to submit their best native plant and native landscape images either to be judges or open and not judged. Prizes for Land- scape and Close-up catego- ries. A $10 submission fee al- lows two entries per par- ticipant. All entries must be received by Oct. 14. Sub- mit photos in either 8" X 10" or 8" X 12" format as both a hardcopy and as a digital file. Include a note with the title or subject, your name and contact in- formation. Submit prints and $10 cash or check made out to CSU Research Foundation with Friends of the Herbar- ium on the note line in per- son to the Gateway Science Museum ticket office or by mail to 2016 Plant Photo Event, Chico State Herbar- ium, CSU Chico, 95929- 0515. Submit digital file and any questions to John at johnccnd@gmail.com. TreeIdentification, Oct. 22 Trees will be introduced that are found on the cam- pus of California State University, Chico. Key characteristics of the leaves, bark, and re- productive structures will be emphasized. Information will also be provided about the tree bi- ology, pruning and urban forest management. Linnea Hanson and Em- ily Meigs Doe will be in- structors for this work- shop. Linnea and Emily have taught tree identification at the community col- lege level. Units of Inter- national Society of Arbor- ists continuing education credit can be obtained. This workshop will meet from 9 a.m. to 4 p.m. in 129 Holt Hall at CSU, Chico. Cost is $100. Reg- ister in advance. Salvias The Diverse World of Salvias, A Genus Well Traveled will be presented by John Willoughby of Canyon Creek Nursery and Design. John is also the author of The Plant Lover's Guide to Salvias. The presentation will be part of the Friends of the Chico State Herbar- ium Annual Meeting at 5 p.m. Oct. 29 in 170 Holt Hall, Chico State Univer- sity. Free admission. Everyone is invited to a reception with snacks to view the native plant photo display from 3-4 p.m. in the Herbarium, 129 Holt Hall, and join the Friends' annual meeting from 4-5 p.m. in Holt 170 before the talk at 5 p.m. For more information about these and other up- coming workshops, visit w w w.friendsofthechi- costateherbarium.com/ eventsviewcalendar/. For more information about registration, call the Biology office at 898-5356 or write to chatfield@ csuchico.edu. CHICOSTATE Herbarium plans events for October By Senia Owensby Everett McDonough is a man who never stops read- ing, routinely reading about 200 books a year, and has a favorite spot in his living room surrounded by family portraits and mementos to enjoy all his books. Though there are plenty of traditional books, Mc- Donough keeps a Kindle and smartphone at his fin- gertips, having kept up with the technology of the day as evidenced by classical mu- sic streaming from Pandora through a Sonos speaker system. Born in 1934, Mc- Donough's family moved to Yonkers, New York in 1935. He was raised in the neigh- borhood of Bryn Mawr and attended public schools. He received his bache- lor's degree in Economics and History at Cornell Uni- versity. While at Cornell, Mc- Donough was in the Air Force ROTC. He served as a commissioned officer af- ter graduation working as an Aircraft Navigator in the Air Force. After his dis- charge, he was fortunate enough spend a summer as a tour guide throughout Europe for the children of a close family friend. Returning to the US, Mc- Donough earned an MBA at Columbia University and was immediately hired by Security First National Bank of Los Angeles. Af- ter graduation in the early '60s, he came out to Cali- fornia and eventually set- tled in the Pasadena area. More schooling was ahead as he attended Pacific Coast Banking School in the Uni- versity of Washington, Se- attle on behalf of the bank. He graduated with honors from the three-year sum- mer program. McDonough's father, who has a PhD in Organic Chem- istry, instilled into him the importance of giving back to the community. Taking it to heart, McDonough became involved with the Pasadena Jr. Chamber, and both the Los Angeles and Pasadena Rotary Clubs. His boss was the National Chairman of American Red Cross and he was fortunate to work closely with him on several projects. McDonough loved his work and had a successful career in banking. He was told once his successes were not from luck and that he was able to use experiences that came his way. He re- tired from Security Pacific Bank as a senior vice pres- ident. After retirement, Mc- Donough stayed in the Pas- adena area until he discov- ered Red Bluff while visit- ing friends. He moved north shortly afterward. He im- mediately jumped into ac- tivities and associations with both feet. In fact, he began attending the Red Bluff Rotary Club meetings before he even moved to the area. Other areas of interest in- clude the Friends of the Li- brary, Sons in Retirement, St. Elizabeth Development Committee, Tehama Con- cert Series, PETS, board member of The Grove and the Tehama County Tax- Aide program, which he has headed up for the past sev- eral years. He is active in the Pres- byterian Church. In 2008, McDonough was named Senior Citizen of the Year at the annual Farm- City night. He loves animals and says he is the personal valet of his three cats. "There's no limit to what can be accomplished if it doesn't matter who gets the credit," McDonough said of volunteering. "I appreci- ate the opportunities that are here and I feel an ob- ligation to give back to the community." FEATURE Retired banker investing in his community EverettMcDonough For years I've been telling my readers that there are two kinds of debt: safe debt and toxic debt. Safe debt is secured debt; it has collateral connected to it. Your home mort- gage is a safe debt. You had to qualify for it, so at least one person de- cided that you can af- ford it. And if you can't afford it or you change your mind and want out of the debt, you can get out of it. You can sell the collat- eral, or just hand it over to the lender and call it even. Safe debt gives you a way out. It's the equiv- alent of a safety valve, so you don't ruin your life. Toxic debt, on the other hand, is stupid debt you get on your sig- nature without qualify- ing, without a wise pro- fessional considering whether or not you can afford it. It's debt you de- velop because of an im- pulse. It's the debt you create over time by swip- ing your credit card and then turning around and only making the mini- mum monthly payment. It's the terrible reality of spending sprees and friv- olous decisions. Toxic debt is the result of stu- pid thinking and stu- pid actions. It's just plain stupid! Now we learn there is a third kind of debt. It's not safe, and it's more than stupid. It's down- right scary. It's called survival debt. It's the re- sult of paying for gro- ceries with credit and allowing that balance to roll from month to month, gathering large amounts of high-rate in- terest. Survival debt is the result of putting your rent on a credit card be- cause the bonus didn't come through or the rent money went to re- pair your car or pay the utility bill or buy clothes and diapers for the kids. Safe debt is manage- able. Toxic debt is revers- ible because you can stop making stupid choices. But survival debt? Once you start paying for day- to-day expenses with credit because you don't have the cash, you've crossed a serious thresh- old. You're caught in a vicious cycle. You may believe you have no other choice but to keep adding to the gathering debt. But that's not true. You do have a choice. But you may need a major inter- vention to stop the out- of-control, downward spiral. If you are trying to manage survival debt, wise up. You will not be able to carry on like that for long. You are trying to outrun an avalanche, and you cannot run fast enough. Soon it will bury you. My best advice is to immediately get in touch with consumer credit counseling services. Call 1-800 388-2227 to be connected to the office closest to you. Or visit the National Foundation for Credit Counseling website to learn more about credit counseling and be assured you are dealing with a reputable and reliable organization — there are lots of look- alike credit counselors out there that are not le- gitimate. 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. EVERYDAY CHEAPSKATE Survival debt is a third kind of debt Mary Hunt California State Parks, in conjunction with the Department of Water Re- sources and the California Department of Fish and Wildlife, announces the Fall Family Goose Hunt. The hunt takes place Saturday, Oct. 1 through Wednesday, Oct. 5, at the North and South Ther- malito Forebays in Lake Oroville State Recreation Area. Registration for hunt- ing permits started Sept. 21 at the Northern Buttes District office, at 400 Glen Drive in Oroville from 9 a.m. to 4 p.m., closed noon to 1 p.m. for lunch, Monday through Friday. Permits are available for families — defined as a minimum of one adult age 18 or older and one junior hunter and a maximum of two adults with four juniors. A ju- nior hunter is a person age 18 or younger. Only 10 hunting parties are al- lowed each day on a first- come, first-served basis. You must make reserva- tions in person; no phone in reservations will be ac- cepted. Gas and electric pow- ered boat motors will be allowed. Hunting hours are 30 minutes before sunrise to noon each day. Access by the general public to the North and South Ther- malito Forebays will be closed until noon each day of the hunt. This annual event coin- cides with the early Can- ada goose hunt coordi- nated by the California Department of Fish and Wildlife. All bag limits, licenses, waterfowl val- idations, and method of take shall follow DFW codes and regulations. For more information, call the Northern Buttes District office at 538- 2200. OROVILLE Canadian goose hunt for families set Oct. 1-5 FollowusonTwitterandFacebook. LIFESTYLES » redbluffdailynews.com Thursday, September 22, 2016 » MORE AT FACEBOOK.COM/RBDAILYNEWS AND TWITTER.COM/REDBLUFFNEWS B4