Issue link: https://www.epageflip.net/i/735156
Yourkidsarefortunate to be growing up in this most progressive and ex- citing time in history. That's the good news. The bad news is the very cul- ture that of- fers them the world is also perpetrating this lie: You are entitled to have every- thing you want, even if you don't have the money to pay for it. It's not a problem — just charge it. There's a huge con- sumer-credit industry that's anxious to fund that lie for your kids. They're planning to give your chil- dren their very own credit cards, aka their own per- sonal passports to the abyss of consumer debt. They won't require your permission or approval, which today's first reader is experiencing firsthand. DEAR MARY: My daughter who is in college got a credit card, and now she is in over her head, un- able to pay what she owes. She works part-time and makes a very small salary. With the high in- terest rate and late fees, the balance is now over $2,500. I will have to step in and handle it. How can I negotiate with the credit card com- pany to settle for less? I don't know how she got this card on her salary, but she kept quiet about not being able to make the payments until we started getting collection calls. I appreciate your thoughts and expertise. — Millie DEAR MILLIE: I really doubt that anyone in cus- tomer service will speak with you unless you are on the account. The com- pany may welcome your daughter adding you to the account, particularly if they've had a lot of trou- ble working with her. At that time you could try ne- gotiating for a lower pay- off. The worst they can do is say no. These companies give young college students outlandish lines of credit because they know par- ents will rescue them, and not just one time. Statis- tics show that in most in- stances parents will save the day at least twice. Can I give a little unso- licited advice? Don't do it. Don't bail her out. She will not learn unless she has to suffer the consequences of her actions. I predict that, if you bail her out she will be $5,000 in credit card debt within two years. She will not learn from her mistake unless she does the hard work. You don't want to see bankruptcy and relation- ship issues in her future, but that's exactly where she's headed if she doesn't address this problem now. As painful as it will be for you, it will be a valu- able lesson that will allow your child to mature into a responsible adult. Your daughter may have to drop out of school to work full-time. If that hap- pens and if she's really in- terested in getting an ed- ucation, she'll go back. I know that may sound harsh, but she has to un- derstand how unaccept- able this is, and that no one is going to bail her out. Make sure you are ready to offer lots of sup- port and encouragement. She's going to need it. DEAR MARY: Red item. White laundry. Everything pink. Do you have any remedies short of chlorine bleach? — Sydney DEAR SYDNEY: Rewash those clothes in the hot- test water they can toler- ate. Use regular detergent plus 1 cup plain Cascade Automatic Dishwasher powder and 1 cup baking soda. Start the wash cy- cle, and then turn off the machine, or press pause (depending how your ma- chine operates). Let the clothes soak for at least three hours, or overnight. After that, finish the cycle. Those pink undies will be white like new. I once used this method to rescue my white Battenburg lace ta- blecloths and napkins that had become hopelessly mildewy. It works. 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 Creditcardsinthe hands of financially immature students The Red Bluff-Tehama County Chamber of Com- merce and the Sunrise Ro- tary are hosting a Red Bluff Voters Night at 6 p.m. Tues- day, Oct. 11. The doors will open at 5:30 p.m. to meet candi- dates and write out ques- tions to place in the ques- tion box. The Red Bluff City Coun- cil candidates will be an- swering questions with a moderator. Also, local experts with address measures and prop- ositions that have local sig- nificance. Snacks will be provided and the venue will be the Veterans Hall at 735 Oak St. ELECTION Chamber,Rotary to host voters night For the second year a group of local artists have collaborated to present the Open Studio Tehama County Artist Tour. This year the event will be held on two weekends, Dec. 3-4 and 10-11. The purpose of the event is to offer the public the opportunity to visit ac- tual studios of local art- ists, to see their working processes, equipment and tools, ask questions and to learn of the variety of tal- ented people of the county. For the artists it is an op- portunity to share the art form of their passion and perhaps sell some pieces. This self-guided tour will feature artists in loca- tions from Los Molinos to Cottonwood. The event will be held from 10 a.m. to 5 p.m., all four days. There is no cost to attend. Several new artists have been included this year joining those who partici- pated last year. Participat- ing artists already regis- tered include Bruce Ross, Bill Ranberg, Jay Murphy, Jamie Means, Yellie Law- rence, Blynne Froke, Fran- ces Becker, Priscilla Ara- gon and Dennis and Vicki Allwardt. The artwork in- cludes a full range of fine art, jewelry, decorative art, pottery, spinning and weaving, ceramic sculp- ture, metal sculpture and wood and ceramic bowls. The Tehama County Arts Council is sponsoring the Open Studio Tour. The hours and a map will be printed on a flier that will be available in stores during the Art Coun- cil's Art Walk in November. The brochure will be avail- able throughout November at the Tehama Country Vis- itor Center, Enjoy the Store and Dales Carpet. As last year, refresh- ments and drawings will be available at the venues. This year there are two drawing prizes to win: a sculpture by Jay Murphy and a ceramic bowl by Yellie Lawrence. More information is available on the official Facebook page at https:// www.facebook.com/Open- StudioTehamaCounty/. ARTS Open Studio tour back for its second year Special to the DN The Tehama Concert Series kicked off the 2016- 2017 Concert Season Sept. 16 with Alpin Hong in con- cert at the State Theatre, drawing an audience of about 550. Prior to the concert, an educational outreach was held Friday morning for students in the seventh and eighth grade with a few fifth- and sixth-grad- ers in attendance. There were about 200 students in total. The next concert on the schedule will be the Christmas concert with the North State Symphony baroque ensemble, which is scheduled for Friday, Dec. 16. Remaining con- certs include the Massen- koff Russian Folk Festival on Saturday, Feb. 4, 2017 the Young Irelanders from Ireland, Monday, March 27, 2017 and the Every- thing Fitz Canadian dance and fiddle family, Friday, April 28, 2017. The next educational outreach will be the Mar- vin E. Locke annual me- morial student outreach at the theater for fifth-graders on the morning of Wednes- day, March 8, 2017 with the North State Symphony. The event will be held in two morning outreach sessions back to back due to the fact that more than 800 fifth- graders are expected. For more information on the Tehama Concert Se- ries or the artists appear- ing this season, visit www. tehamaconcertseries.org. STATE THEATRE CONTRIBUTEDPHOTO Alpin Hong poses for a picture with students at an educational outreach the morning of his Sept. 16concert at the State Theatre. Mary Hunt Tehama Concert Series kicks off season with Alpin Hong Th e p ur pose o f t he e ven t i s t o o ff er th e p ub li c t he op po rt uni ty t o v is it ac tua l s tu di os o f l oca l a rt is ts , to s ee t hei r w o rk in g p ro ce ss es , eq ui pm en t an d to ol s, a sk q ue st io ns an d t o l ea rn o f t he v ar ie ty o f ta le nt ed p eo pl e of th e c ou nt y. B 6 0 65 N G 52 I 28 B 6 0 65 N G 52 I 28 BINGO Friday,Oct.7 th Red Bluff Community Center 1500 S. Jackson St. Doorsopen@5:00pm Bingo at 6:00 pm 8 extra Hot Ball Jackpots Increasedpayoutsreg.$80 BLACK OUT $150 Buy-In $10 • Early Birds $5 413WalnutSt.,RedBluff528-8000 www.redbluffgoldexchange.com www.angelsamongusall.com JoinUsInSupporting Formoreinformation,callusat 530-528-0300 or visit www.atvrb.org October 22, 2016 Red Bluff Community Center Doors Open at 4:30PM Trivia Starts at 6:00PM Wilcox Oaks Golf Club Junior Membership (Ages32&younger) Monthlyfee $100 includes family 527-6680 or 527-1020 25yearsprofessional experience. QualityWork Very Reasonable Rates Red Bluff Transmission • Automatic • Manual • Computer Diagnosis • Clutches • Transfer Cases • CV Axles CALL TODAY! 529-4493 440 Antelope Blvd. #6 Bob's Youcantmissus... Weonly moved 50 feet!! wwwnortherncountiesroofingsystems.com FreeEstimates 530-356-0686 Owner on site Bonded & Insured Lic# 955662 • Residential • Commercial • New Construction 744 Main St., Red Bluff Fine QualityGifts & Accessories (across from the clock tower) Offers End 10/29/16 CRYSTAL TRINKET BOXES Buy 1 Get 1 30 % Off Limit 4 Items L'EPI DE PROVENCE SOAPS 5 FOR $ 30 Great Fragrance Soaps Kringle, Soy, Art Candles......15% Off Evening Formal Wear.............. 20% Off (Single Item only) CALIC#778199 GERBER 385-1153 HINKLE ROOFING & CONSTRUCTION, INC www.gummsoptical.com (530) 527-2510 1-800-481-LENS (5367) 910MainSt.,SuiteC,RedBluff availableinprescription sunglasses Regular Haircut $ 2 00 off KWIK KUTS FamilyHairSalon 1064SouthMainSt.,RedBluff•529-3540 ANY RETAIL PRODUCT 20 % off withanychemicalserviceof $50 or more Notgoodwithotheroffers Expires 10/31/16 With coupon Reg. $13.95 LIFESTYLES » redbluffdailynews.com Wednesday, October 5, 2016 » MORE ATFACEBOOK.COM/RBDAILYNEWS AND TWITTER.COM/REDBLUFFNEWS A4