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The following informa- tion is compiled from Red Bluff Police Department, Tehama County Sheriff's Department, Corning Police Department and California Highway Patrol. Arrests Jeremiah Paul Ray Set- zer, 31, Red Bluff, also known as Jeremiah Paul Ray Lauzon, was arrested Wednesday by the TCSD on suspicion of violating a restraining order and identity theft. Bail was set at $35,000. Missing Kathleen Ann Howard reported her father, 68- year-old Charles William Bruehl, missing Wednes- day morning. Bruehl had not been seen for a week and was last seen in a White 1980 Chevrolet truck with the license plate 1V31537 CA. Theft •Ross Cameron report- ed a break in to his resi- dence Wednesday after- noon on Bosque Avenue. •Mary Ann Fisher reported that someone had sheared off the lug nuts on her wheel Mon- day afternoon on North Mendocino Drive. •Renee Marie Ballen- tine reported the theft of a $60 cell phone charger from an unlocked vehicle Wednesday morning on Hall Road. •Rhonda Lee Hampton reported the theft of $50 worth of reyclables Wednesday afternoon on Baker Road. Friday, March 5, 2010 – Daily News – 3A Beautiful Hair & Nails Welcomes: Anneliese Peterson Providing: Open Mon.-Fri. Located on the corner of Lincoln & Walnut Fast, Friendly, Reasonable Fees Fee for Short or Long form includes all the tax credits and E-filing with direct Deposit. PREPARATION P RALPH CAMPBELL, EA Also Bookeeping, Payroll and Financial Services available CORNING • I-5 AT SOUTH AVE. Saturday, March 6th 11am-6pm Tri-Tip & Chicken BBQ $10 Adults $5 Kids Bounce House Pony Rides Face Painting Largest Selection In Tri-County • Herbal Medicines • Edibles (Foods) • Clones Corning Calif. Local Calendar To add an upcoming event in the Local Calendar, submit information well in advance to the Daily News, attention Calendar, P.O. Box 220, Red Bluff, 96080 or e-mail to clerk@redbluffdailynews.com. Include a contact name and telephone number. FRIDAY, MARCH 5 Red Bluff Al-Anon, 6 to 7 p.m., Presbyterian Church, Jeffer- son and Hickory Bingo, doors open at 5:30 p.m., early birds start at 6:30 p.m., Red Bluff Community and Senior Center Celebrate Recovery, 6:15 p.m., Vineyard Christian Fellowship, 738 Walnut St. 527-2449 Knit for Kids, 9:15 to noon, Presbyterian Church, 838 Jefferson St., 527-0372 Friday Night Fish Fry, 5:30-7 p.m., $9.95 for adults, $8.95 for seniors over 50, $5.95 for kids, Sacred Heart Parish Hall, 2355 Monroe St., 527-6727 Mommy and Me Breastfeeding Class, 10 a.m., Red Bluff Family Resource Center, 220 Sycamore St. Suite 101, 528-8066 Tehama County Education Foundation, board meeting, 7:30 a.m., Tehama County Department of Education, 1135 Lincoln St. Corning Adult Wood Carving Class, 10 a.m. to noon, Corn- ing Senior Center, 1015 Fourth Ave, 824-5669 Spanish Adult Education, 8:30 a.m. and 1:30 p.m., Corning Family Resource Center, West and South streets, 824-7670 SATURDAY, MARCH 6 Red Bluff House of Floyd, Pink Floyd tribute band, 7:30 p.m., State Theatre, 333 Oak St. Corning Diabetes Education Class, 5 p.m., St. Andrew's Episcopal Church, 815 First St., 824-4979 Richfield Richfield Annual Ham Dinner and Auction, Din- ner 4 p.m. Auction: 6 p.m. Richfield School 23875 River Road, 824-4227 SUNDAY, MARCH 7 Corning Evangelist services, 7 p.m., Family Bible Church, 609 Marin St., 824-9989 MONDAY, MARCH 8 Red Bluff Al-Anon, 6 p.m., Presbyterian Church, Jefferson and Hickory Cardiac Support Group, 7 p.m., St. Elizabeth Community Hospital, Columba Room. For information call Loree at 527-5077 HIRE (Head Injury Recreational Entity), 10 a.m., St. Elizabeth Community Hospital, Coyne Center, Rusty, 529-2059 Key to Life, 6 p.m., Red Bluff Family Resource Center, 220 Sycamore St. Suite 101, 528-8066 Red Bluff Community Band, 6:45-8:45 p.m., Red Bluff Community / Senior Center, 1500 S. Jackson St., 527-3486 Spartan Athletic Booster Club, 6:30 p.m. Red Bluff Union High School Media Center/ Library Sun Country Quilters Community Service Group, 9 a.m. to 3 p.m., Red Bluff Family Resource Center, 220 Sycamore St. Suite 101, 528-8066 Tehama County Sheriff's Search and Rescue, 7 p.m., Stillwell Training Center, Park Ave. near Baker Road. 527-7546 Corning Corning Neighborhood Watch, 5:30 p.m., city council chamber, City Hall, 794 Third St. Narcotics Anonymous, 7 p.m., 815 First St., 385- 1169 or 566-5270. Meetings are everyday through Saturday with an additional meeting at noon on Mon- days. Sewing group, 9 a.m., Corning Family Resource Center, West and South streets, 824-7670 Spanish Adult Education, 5 p.m., Corning Family Resource Center, corner of West and South streets, 824-7670 Strategies for Success, Life Skill classes, 1:30 p.m., Corning Family Resource Center, West and South streets, 824-7670 Tehama County Mental Health Stakeholders meeting, 1 p.m., Rolling Hills Casino, Carlino's Event Center Richfield Richfield Neighborhood Watch Program, 6 p.m., Richfield Elementary School, 23875 River Road, 824- 6260 Closing credit accounts safely Q: I've had my credit card for many years and always paid on time. Now they've notified me that they'll start charging an annual fee. I'm angry -- but afraid to cancel the card because it will hurt my credit score. What should I do? A: Your concern is understand- able, since it seems the credit card companies have all the power these days, in spite of the benefits of the new Card Act, which took effect last Monday. If you make the deci- sion to close your credit card account, assuming your credit is in good standing, it might have a small impact on your credit score. But that might not be enough of an impact to cause you to hang on to the card and pay an annu- al fee. There could be two conse- quences of closing an account. Part of your credit score is based on your length of credit. So if you've had that card for many years, clos- ing it could ding your score about 20 to 30 points, depending on whether you have other long-held cards. Even so, your score is likely to rebound within months. One way to protect yourself, if you are the one closing the card (instead of the issuer), is to send a registered letter to the issuer when closing the account. Then keep a copy of that letter so that if your credit score declines, you have proof you were the one who closed the account. Another factor in your score is your debt-to-available-credit per- centage. When you close an account, you lose that potential available credit line. So if you're carrying balances on other cards, the percentage of credit use could rise. In that case, advises Bill Hard- ekopf of www.LowCards.com, you might want to apply for a different, better card before you cancel the other card. That will keep your percentage figure low. All of this advice assumes you can easily pay off the balance and close the account. For those who are trapped by big balances, there is another option. Under the Card Act, you can "opt out" of any interest rate increase and contin- ue to pay off your bal- ance at the current rate for up to five years. But you can't charge any- thing more on that card. While most people have heard of credit scores, relatively few have bothered to get theirs. The best- known score is the FICO score, developed and patented by Fair Isaac Co. It is used by a vast majority of lenders, and based on the facts on file at each of the three cred- it bureaus. The bureaus themselves have created their proprietary Vantage score, with a different formula and scale. You're entitled to a free credit report each year from each of the three major credit bureaus. To get that free report, go to www.annual- creditreport.com, the only site that links you directly to the three main credit bureaus so you can access your totally free report. (Don't be fooled by other addresses, or by offers to purchase credit monitor- ing services.) However, the FICO and Vantage credit scores are proprietary, and you'll pay for them. Go to www.myFICO.com, and a single credit score will cost $15.95, although you can also buy it as part of a credit monitoring service offered on its site. Consumer advocate Gerri Detweiler of Credit.com noted that if you have a FICO score of more than 760, you're in line for the best rates when you borrow. But if your score is between 700 and 759, you would pay a 0.3 percent higher rate on a 30-year fixed-rate mortgage loan. And a score below 720 and down to 690 could cost nearly 2 additional percentage points on a three-year auto loan. At Credit.com, you can get a free "credit report card" that estimates your credit score. That will help you judge the impact of closing out one of your accounts. Finally, keep in mind that if you're in the envi- able position of being able to close out a credit card to express your annoyance, it probably means that you aren't carrying too much debt. And that may mean that you already have a pretty high credit score. If you're not planning to buy a house or need a car loan at any time in the next year, a few points of decline in your credit score won't matter much to your finan- cial lifestyle. So if you're angry at your card issuer, it may be well worth having a slightly lower credit score if it lowers your blood pressure at the same time! That's the Savage Truth. Terry Savage is a registered investment adviser and is on the board of the Chicago Mercantile Exchange. She can be reached at www.terrysavage.com. She is the author of the new book, "The New Savage Number: How Much Money Do You Really Need to Retire?" Terry Savage The Savage Truth on Money Police reports Local youth stage Capitol drug conference The Tehama County Young Marines planned, organized and supervised a Drug Demand Reduction Conference at the State Capitol Build- ing in Sacramento Feb. 20. There were 60 teens from all over Washington, Oregon and California in attendance. The idea was a focal point in being named national recipients of the Ful- crum Shield last year. Young Marines Carlin Bowles, Debbie Ortiz and Annie Bennett spearheaded last year's commitment. It was Bowles' idea to sponsor such a conference and it is the first of its kind in the nation and was included in last year's report to the Secretary of Defense. This year it's being led by Young Marines Chris Collins, Mary Hurton and Mikayla Erickson with Bowles, Ortiz and Bennett guiding the unit in the quest for another Fulcrum Shield. The award has never been won twice by any military youth organization, but the goal is making an impact on youth everywhere. Red Bluff High School senior Gar- rett Brockman attended the conference and gave a report on four guest speak- ers from the standpoints of addiction and recovery, legislative issues on the war on drugs, losing a child to acute alcohol poisoning, and how Young Marine Core Values of Honor, Courage, Commitment, Teamwork, Leadership and Discipline is leading the fight in the war on drugs nation- wide. Brockman was sponsored by and represented the Tehama County Police Activities League. Tehama County PAL, Red Bluff Police Department, Sheriff Clay Park- er and several other organizations, pri- vate businesses and individuals and agencies are partners in this project. For a detailed list of supporters of the program please visit www.tehama- countyyoungmarines.com. Information is also available at the Web site including a deadline for applications for Spring Boot Camp, which is April 6-9. Red Bluff High School senior Garrett Brockman, fourth from left, stands with members of the Tehama County Police Activities Board, including Lt. Kyle Sanders, Officer Phil Mackintosh, Red Bluff Police Chief Paul Nanfito and Sheriff Clay Parker.