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4A – Daily News – Wednesday, March 24, 2010 Commerce business It’s Tax Refund Season again. This year, if you’re going to get a check from your Uncle Sam, why not put it to work to help you meet your financial goals? Last year, the average tax refund was more than $2,700, according to the IRS. The size of your refund, or whether you will get one at all, depends on your individual circum- stances. But if you are going to get a refund, plan ahead for what you’ll do with it. Here are a few possibili- ties: • Pay down some debts. In these difficult economic times, you may be carrying a higher debt load than usual. If so, you may want to use some of your refund to pay down some of these debts. The lower your debt payments, the better your cash flow and the more money you’ll have to invest for the future. • Build an emergency fund. If you don’t already have an emer- gency fund containing six to 12 months’ worth of living expenses, you could use your tax refund to start one. Without such a fund, you may find yourself constantly dip- ping into your long-term invest- ments to pay for unexpected costs, such as a new furnace or an expen- sive car repair. Keep your emer- gency fund in a liquid account — one that you don’t draw on for your day-to-day expenses. • Help fund your IRA. In 2010, you can put in up to $5,000 to your & IRA. Consequently, if you received a $2,700 refund, you’d have more than half of what you need to fully fund your IRA for the year. (If you’re 50 or older, however, you can contribute up to $6,000 per year.) You might not think that your $2,700 would make much of a difference in the long run. But by investing your refund and giving it many years of growth potential, you could end up with a sizable amount. Consider the following: • If you put $2,700 in your IRA, and you earned, on average, seven percent a year for 30 years, you’d end up with about $20,000, even if you never invested another dime. Tyler Smail • If you put $2,700 every year in that same IRA, again earning an average seven percent annual return, you’d end up with more than $270,000 after thirty years. These examples are hypothetical illustrations and do not represent any currently available investments. You’d eventually have to pay taxes on your earnings, typically when you make withdrawals at retirement. And if you qualified for a Roth IRA, you’d never have to pay taxes on your earnings, as long as you had your account for at least five years and didn’t start taking New real estate brokerage The new Homelink Real Estate – Red Bluff has designed programs to serve people and still offer the services expected from an agent, at a reduction in cost to a person selling a home. The office offers traditional services and two unique services no other brokerage in town offers. The office will do any Residential Non-Short Sale Listing for only 1 percent listing commission — 4 per- cent total commissions compared to a standard 6 per- cent. The promotions page www.homelink- redbluff.com has more information. When a client buys or sells with the office, the office pays to have the client moved. There are a few guide- lines for the free move, but it is pretty straight-forward. This promotion is for any buyer or seller who works with one of the office’s agents. For more information or to schedule an interview with the broker, call Shawn A. Nichols Sr. at 527-2660 or send an e-mail to shawn@homelink-redbluff.com. Barber Shop $ Cheers 600 Senior Cuts Open 6 days 9-6 570-2304 259 S. Main St. Tractor Suppy Center Now Enrolling Children Recently expanded and moved near Bidwell Elementary License # 525405817 (530) 209-8743 My qualifications include: B.A. in Elementary Education and experience teaching grades K-8. Accepting state pay programs & cash pay, etc. ●●●●●●●●●●●●●●●●●●● enterprise Put your tax refund to work withdrawals until you were at least 59-1/2. • Contribute to a Section 529 plan. If you have children or grandchildren, you may want to establish Section 529 plans to help them pay for college. You can contribute virtually any amount, and the earn- ings grow tax-free, pro- vided the money is used for higher education expenses. Withdrawals used for expenses other than qualified educa- tion expenses may be subject to federal, state and penalty taxes. Con- tributions are tax- deductible in certain states for residents who participate in their own state’s plan. Please note that a 529 col- lege savings plan could impact a beneficiary’s ability to qualify for financial aid. You may be tempted to spend your tax refund on things you want today — but, with a little planning, you can use it for things you need tomorrow. Tyler Smail is a a financial advisor for Edward Jones, his office is located at 733 Washington St. in Red Bluff. He can be reached at 529-3627 or tyler.smail@edwardjones.com. Cleaning service in the spotlight • Business Spotlight – Cleanrite-Buildrite, 1200 W. East Ave., in Chico, CA 95926, 800-870-0030 or 891- 0333, is a 24-hour Emergency Service and has been in business for 51 years with 98 employees. It specializes in cleaning services such as carpet, rug and upholstery cleaning, tile and wood flooring and hard surfaces, auto, boat and RV interior cleaning, area rugs, Persian and Oriental. It also does emergency services, including wind, water and fired damage. It is a certified, licensed and bonded firm. It does mold remediation and trauma scene clean-up, water extraction and drying services, smoke damage deodor- ization, complete restoration repair. “We are a 50-year-old local company that has been built on serving the communities of the North State. We have developed our business reputation with a focus toward the customer. Our difference is our peo- ple, and how we invest in their training and develop- ment to deliver a high quality service, which is guar- anteed by our commitment to doing it right. We believe in investing back to the communities we serve. We are designating our services as a green company to be pro-active in serving the ever changing industries needs.” • Mixer a success – The Chamber Directors and Courtesy photo Maggie John from Shasta Women’s Refuge receives a $1,000 grant from Niecha Walker of the Red Bluff Walmart Distribution Center. The grant will help educate the community about Shasta Women’s refuge through going to crisis intervention services for victims of domestic violence and sexual assault. Setting up QuickBooks co. The Shasta College Small Business Development Cen- teris offering a workshop titled Setting Up Your Quick- Books Company. This workshop will take you through the steps of setting up your company using QuickBooks. This workshop will be 5:30-8:30 p.m. April 15, at 1420 Butte St., in Redding. The presenter will be Mary Rich- mond. The cost to attend is $35 per person and classes fill-up early, so early registration is recommended. Register at: www.shastacollege.edu/ewd or for more information, call at 225-2770. staff would like to thank Mary Garcia, manager of Spring Mountain Apartments for allowing us to meet last Thursday at its club house for our St. Patrick’s Day Mixer. Thanks also goes to Round Table Pizza for pro- viding its delicious new pastas, pizza, etc. for the event. What a treat. Thank you House of Brews Spe- cialty Coffees for providing the delicious Irish coffee and Sonja Akers and her helpers for the decorations. Thank you, Darrell Bofferding of Annie’s Garden Florist for the center pieces. Thank you also to all those who donated items for the raffle. Each one of you helped to make the evening a success and we appreciate all of you. • Business Expo – You still have a few days to bring some promotional items to the chamber so we can dis- tribute them at the business expo Saturday from 10 a.m. to 4 p.m. at the Glenn County Fairgrounds. We want to help promote your business or organization. • Sponsor book – The Corning Chamber of Com- merce is already working on the May Madness Car Show sponsor book and the deadline is coming up soon. Putting the book together is time consuming and we want to have it printed and to the public before the car show. We hope that you, as a member of the chamber will advertise in the book, but you don’t have to be a member to advertise. If you did not receive a form, please call the cham- ber at 824-5550 and we will send you one. It is an inexpensive way to advertise and it enables the cham- ber to put on this event. Thank you for taking the opportunity to advertise and help with the car show. ——— Biz news? Business news may be submitted to clerk@red- bluffdailynews.com. Include name and phone. Digital pictures should be attached as .jpg files. Info is available at 527-2151. This column is prepared and submitted by the Corning Chamber of Commerce. FREE CRAZY “11 DAYS OF ROUND-UP!” 10 DAILY ADS In the DAILY NEWS April 7 – 17 Community events Hurry! They’ll go FAST … $ Promoting local “Your neighborhood pharmacy since 1952” 8500 ea. Your Ad Here Below the Event Box Brand your business with the RED BLUFF ROUND-UP …or with community events that Your business supports! Call your Daily News Ad Rep at 527-2151! Marlene, Monica & Barbara We are here for you and your family. • WE HAVE AN EXCELLENT SELECTION OF GIFTS • WE DELIVER LOCALLY PRICE’S PHARMACY 1322 Solano St., Corning 530.824.3495 Fax 530.824.9227 COMBO® When you purchase any Two Large Pizzas & a 2 Liter Soda Valid at Red Bluff location only. One coupon per order per visit. China Buffet CHINESE RESTAURANT 10% OFF TOTAL BILL with coupon Expires 4-30-10 COUPON Open 7 Days A Week LUNCH Buffet Adult: $6.99 Mon-Sat. 10:30am-3:30pm DINNER Buffet Adult: $9.99 Mon-Thurs 3:30am-9:30pm Fri-Sat 3:30-10:30pm Carry-Out Buffet Lunch $3.50 / Lb. • Dinner $4.50 / Lb. All Seafood $6.50 / Lb. SUNDAY $ Buffet 10.99 All Day DRINKS with coupon FREE Expires 4-30-10 COUPON 343 S. Main St. Red Bluff 530-529-5888 (No Checks) 108 Main Street, Suite C, Red Bluff (530) 527-1121 Expires 04/30/2010