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For the 40th year in a row, the Red Bluff School of the Music Arts will present a day of music on Saturday, March 18. Instructor Judi Richins and 42 of her piano and vocal students will per- form a variety of pieces. The individual musi- cians range from 3 years old to adult. Medals and trophies will be awarded to the students who have completed their Annual Adjudication. Special Recognition plaques will be presented to several of the students, as well as to the three graduating students: Nat- alie Brown, Mahlon Ow- ens and Jennifer Peyton, who will emcee the event. There will be two differ- ent concerts with different performers in each on Sat- urday. The first will com- mence at 1 p.m., followed by a reception at 3 p.m. for ev- eryone who attends either concert. The second con- cert will begin at 4 p.m. at the First Church of God, on the corner of Luther Road and South Jackson Street. Musicians to perform in the concerts are: Fern, Rosemary and Willow An- ker-Kelly, Jordan Brandt, Natalie Brown, Megan Bullert, Tessa Burch, As- pen and Jennica Cope, Ba- degech and Hanne Mae Hatcher-Dittner, Mar- gie Duey, Katrina and Kenna Eusted, Kevin Fos- ter, Missy Fredrickson, Johanna Geveden, Dede Gunsauls, Mackenzie Harris, Chloe Hess, Ca- dence Killam, Rose Kin- ner, Keira Klein, Sam LeClair, Tillie Louisell, Elizabeth McCammon, Jared McCoy, Sam Mudd, Mahlon Owens, Olivia Ow- ens, Josie Parks, Jennifer Peyton, Lindsey Pho, Kay- leen Ramsey, Bella and Ca- den Ray, Sophia Rubright, Saleigh Salazar, Savannah Serle, Kathleen Smith, Matilyn Szychulda and Lydia White. The public is invited and the admission is free. For further information, call Judi Richins at 529- 0383. CONCERT St ud en ts t o pe rf or m in a nn ua l sh ow ca se CONTRIBUTEDPHOTOBYDAVEFIGONI Students of Judi Richins' Red Bluff School of the Music Arts. Introduction to Fern biology and Evolution is set for March 11. Become fern fluent. This work- shop will be a crash- course introduction to the ferns of the world with a focus on species that can be observed in the wild in California. This workshop will be led by Carl Rothfels, curator of ferns at UC Berkeley's University Herbarium. In graduate school Carl became a full- fledged fernologist. Prior to that time he was a field botanist, herbarium cu- rator, and natural his- tory interpreter in south- ern Ontario, Canada. This workshop will meet from 9 a.m. to 4 p.m. in 129 Holt Hall at CSU, Chico. Cost is $100, register in advance. Identifying Lichens to Genus is set for March 18. This workshop will focus on identifying the lichens of the lower Sierra Ne- vada foothills to genus. The morning will be spent covering lichen basics, lunch in the field and afternoon back in the lab for guided explo- ration. The workshop will be led by Tom Carlberg, who has been a cryptogamic botanist for 15 years. He is the past Editor of the Bulletin of the Califor- nia Lichen Society and a member of the Soci- ety's Conservation Com- mittee. This workshop will meet from 9 a.m. to 4 p.m. in 129 Holt Hall, CSU, Chico. Cost is $100, register in advance. For more information about these and other up- coming workshops, visit www.friendsofthechi- costateherbarium.com/ eventsviewcalendar/. For more information about registration, call 898-5356 or write to ss- cholten@csuchico.edu. CHICO STATE Herbarium schedules March workshops This could be a record year for mosquito bites the community takes some positive action now to reduce the numbers. To try and stay ahead of the swarms, the Sac- ramento River Discovery Center's Thursday eve- ning program on March 9 will be a combination of facts about mosqui- toes; actions the public can take to reduce liv- ing and breeding loca- tions and the best ways to reduce the mosqui- toes' interest in biting, presented by Andy Cox of the Tehama County Mos- quito Vector Control Dis- trict. As usual there will be a question and answer pe- riod after the presenta- tion where refreshments will be available. The meeting will be held at 7 p.m. at the Farm Bureau Building, 275 Sale Lane in Red Bluff. The center is at 1000 Sale Lane in the Men- docino National For- est Red Bluff Recrea- tion Area and is open to the public 9:30 a.m. to 3:30 p.m. Tuesday through Saturday. It can be reached at 527- 1196 or bhughessrdc@ gmail.com for more in- formation. Those will some spare time are encouraged to assist with planting of seeds in starter trays in the greenhouse. This is a standing job or sitting job in a rain free environ- ment. The center's website is currently under re-con- struction and it is looking for helpers for both the site and Facebook pages. DISCOVERY CENTER Keeping mosquito bites to a minimum I've heard of mort- gage-burning parties, but I would categorize them along with the Pony Ex- press and covered wagons — things from a bygone era. There was a time when mortgage- burning parties were common. It was like put- ting the cherry on top of the American Dream. And this burning thing was not figurative. Once that last house payment was made, the mortgage company would send the mortgage agreement to the bor- rower stamped "paid in full." This would be such a cause for celebration that the new homeown- ers would invite every- one over to watch them set the document on fire, all the while cheering as it went up in smoke. Things have changed, especially in recent years as mortgage rates have dropped so low. Some financial advisors ac- tually advise their cli- ents to not pay off their mortgage and instead invest the money to build greater wealth. Of course, this action pro- vides a healthy income for the advisor, who col- lects commissions when a client takes that ad- vice. You may be tempted to follow that advice — refinancing and string- ing out your mortgage for as long as possible — even into your retire- ment years, while you try to get a higher return on your investments. Before you decide to stick with minimum pay- ments, consider the fol- lowing benefits of having no mortgage payments by the time you reach re- tirement. Guaranteedhigh- yield investment Investing in your debt pays you a guaranteed rate of interest equal to the amount of the inter- est you were paying on that debt. Here's how that works: If your mortgage is subject to 5 percent in- terest, every dollar of principal you pay off is a dollar you won't have to pay interest on in the fu- ture. You get to keep the 5 percent interest you would have paid. That's your return for investing in your debt. Peace of mind Once you eliminate your mortgage, you have just eliminated your big- gest monthly bill. You are able to live rent- free, so to speak. You also don't need to ago- nize about whether your investments are outper- forming the interest you are paying on that mort- gage. Without a mortgage, you have the option to invest. You gain com- plete control over where you live. You can down- size or move as soon as you feel it's best, or choose to stay in your home for the rest of your life. Safety net of last resort A home that's fully paid for gives you an- other option that you should guard jealously: a reverse mortgage. Having access to the equity in your home without having to leave your home or even make monthly payments could be the difference between a joyful and peaceful end of life, and a season of misery for both you and your family members. It may not, however, be as simple and glamorous as the late-night TV ce- lebrity pitchmen make it sound. A reverse mortgage, while often advisable, can be very expensive. The fees and high rates of interest often escape the attention of seniors. The numbers can be staggering. This is why you want to make sure you keep that option as your safety net or your last resort, not a means to get a pile cash the day you turn 62. Just keep in mind that to get a reverse mort- gage you cannot have an existing mortgage. Be- sides being able to send out those party invi- tations, this is yet an- other reason you need to get busy paying off your mortgage. Anyone got a match? Would you like to send 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 Goodreasonstopayoffyourmortgage Mary Hunt PLEASE RECYCLE THIS NEWSPAPER. 1660MonroeSt. Red Bluff, CA 96080 (530) 727-9495 LAVACharterSchoolishappytoannounceOpenRegistrationforthe 2017-'18 School Year! Students in grades 5-8 have the opportunity to attend Red Bluff's newest middle school: LAVA, the Lassen Antelope Volcanic Academy. We are looking to expand in the next year, but space is already limited. This is a great opportunity for families to be a part of an innovative, new school that offers rigorous instruction, small class size, and real choice. Our core classes include: math, English, history, science, and Spanish. In the afternoon, we offer elective classes in American Sign Language, art, band, computer skills, dance, Genius Hour, guitar, tutorial, and yearbook. LAVA's partnership with Lassen Volcanic National Park gives our kids access to the park and hands-on experience in natural sciences! Registration will be open from March 1, 2017 through May 31, 2017. Returning students from 2016-'17 are guaranteed placement at LAVA next year. Siblings of current students will receive priority placement. Families who meet the registration deadline may be sub- ject to a Lottery Drawing for enrollment, depending on available space. For more information, or if you would like to schedule a tour of our school, please email John Sheffield jsheffield@antelopeschools.org We will host an Informational meeting April 12 @ 5 pm at LAVA. 1660 Monroe St. Red Bluff, CA QUALITYSAFETY & FIRE EXTINGUISHERS E-1946 (530)527-8204 Thankyoutoallwhohavedone business with us for all these years. Callus for all your Fire Extinguisher needs. FIRE EXTINGUISHER SALES & SERVICE April 1& 2,2017 Tehama District Fairground 650 Antelope Blvd. WithFeaturedQuilters Roxanna Bradley & June Kirk Food • Vendors • Boutique www.suncountryquilters.com (916) 425-8230 SunCountryQuilterspresents "Quiltingin theSunCountry" Quilt Show Gold Exchange 413WalnutStreet 530-528-8000 Sat.-Mon. 10am-4pm Tues-Fri 10am-5:30pm www.redbluffgoldexchange.com OPEN•OPEN Y E S W E A R E O P E N Y E S W E A R E O P E N OPEN • OPEN YES WE ARE wwwnortherncountiesroofingsystems.com FreeEstimates 530-356-0686 Owner on site Lic# 955662 • Residential • Commercial • New Construction 744 Main St., Red Bluff (across from the clock tower) FineQualityGifts& Accessories GIFTS FOR BIRTHDAY OR ANNIVERSARY! • BEADED BAG/ JEWELRY • SHAWL/ HANDBAG • MURANO PLATE/ VASE • SWAROVSKI CRYSTAL • GLASSWARE/ CANDLE • ESSENTIAL OIL/ SOAP NOTARYPUBLICAVAILABLE COME & SHOP WITH US 25yearsprofessional experience. 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