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Local Calendar Submit calendar items to P.O.Box 220, Red Bluff, 96080 or clerk@redbluffdailynews.com. THURSDAY, SEPTEMBER 27 California HEAT Chorus - Sweet Adelines, 7 Red Bluff Childbirth Class, 6:30 p.m., St. Elizabeth Commu- nity Hospital, Columba room, Anita 529-8377 Fun Senior Aerobics with Linda, 8-9 a.m., $1 per p.m., Meteer School Room 26, 695 Kimball Road, 895- 0139 class, Red Bluff Community Center, 1500 S. Jackson St. 527-8177 Good Morning Red Bluff, 7:50-9 a.m., CareNet Pregnancy Center, 810 Main St. Kelly-Griggs House Museum, 1-3 p.m., 311 Washington St., group tours by appointment, 527-1129 Live country music, with dinner at the Veterans Hall, 5-7 p.m. Phoenix Comunity Support Group for those get- ting over chemical dependency, 11:30 a.m., Pres- byterian Church, 838 Jefferson St., 945-2349 Pinochle for Seniors, 12:30-3:30 p.m., 1500 S. Jackson St., free, 527-8177 Playtime Pals Playgroup, 10 a.m., Family Resource Center, 220 Sycamore St. Suite 101, 528- 8066 Red Bluff Exchange Club, noon, M&M Ranch House, 645 Antelope Blvd. #1 Senior Chair Volleyball: sit and play with a light weight beachball. 1 p.m.Red Bluff Community Center, 1500 South Jackson St. Sunrise Speakers Toastmasters, noon, Family Resource Center, 220 Sycamore St. Ste.101, 529- 1841 Swinging Squares Square Dance Club, 7 p.m., Red Bluff Community and Senior Center, 1500 S.Jack- son St., for beginner or review classes, call 529-1615 TOPS Club (take off pounds Sensibly), 8:30 a.m., First Christian Church, 926 Madison Ave., 527-7541 or 347-6120, visit www.tops.org Widowed Persons Dinner, 6 p.m., call 384-2471 for location Women's Domestic Violence Information and Support Group, Call for group time and location, 528- 0226 Corning Cal-Fresh and Healthy Family Appointments, 1- 3 p.m., Family Resource Center, 1488 South St., 824- 7670 Dance with Juana, noon to 1 p.m., Family Resource Center, 1488 South St., 824-7670 Degree of Pocahontas Silver Cloud Council # 168, 7 p.m. Independent Grange 470, 20945 Corning Road, Bernie 824-1114 or Kathy 586-1065 Domestic Violence Information and Support Group, Call for group time and location, 528-0226 Dual Diagnosis Group, 1:30-3 p.m., 1600 Solano St., 527-8491, Ext. 3309 Soccer training, 4-6 p.m., except for holidays and rain, Woodson School Soccer Field, 150 N Toomes, 824-7680 Women's Support Group, 6 p.m., Family Resource Center, West and South streets, 824-7670 FRIDAY, SEPTEMBER 28 Red Bluff Al-Anon, 6-7 p.m., Presbyterian Church, Jefferson and Hickory Celebrate Recovery, 7 p.m., Bethel Assembly of God, 625 Luther Road, 527-0445 or 366-6298 Hospice Second Hand Store half price sale, all day, Riverside Shopping Center Knit for Kids, 9:15 to noon, Presbyterian Church, 838 Jefferson St., 527-0372 Corning Car Show, 5-9 p.m., Bartels Giant Burger, 22355 Corning,Road, local car clubs welcome, 824-2788. Corning Farmers Market, 6-8 p.m., Corning Library parking lot, 824-5550 Cottonwood Singles Praise Social, 7-8:30 p.m., Assembly of God Church, 20404 Gas Point Road, for unmarried adults ages late 30s to early 60s, 347-3770 SATURDAY, SEPTEMBER 29 Red Bluff BMX racing, 5:30 p.m., Red Rock BMX Track, Tehama District Fairground, $10 Farmers Market, 7:30 a.m. to noon, River Park, EBT accepted Weight Watchers meeting, 8 a.m., 485 Antelope Blvd. #N, 1-800-651-6000 Senior Dance, 7 p.m., Senior Center, Josephine Street, 384-2100 Los Molinos Tehama Tehama County Museum, 1-4 p.m weekends, weekday group tours by appointment, donation, 275 C St., group tours 384-2595 Lotto numbers SACRAMENTO (AP) — The winning num- bers drawn Wednesday night in the California Lottery's ''SuperLotto Plus'' game were: 13-18-31-38-44. Meganumber: 25. Street, Corning (530) 824-9700 or (530) 513-2198 Jack & Keri Dean, Owner Visit us on Facebook! * Mention this ad to receive a 10% Discount on any purchase! 811 4th Courtesy photo Business Connections owner Lynn Moule accepts a plaque commemorating the award from Greg Stevens, publisher of The Daily News and immediate past chairman of the Red Bluff- Tehama County Chamber of Commerce. The Chamber and its Business of the Month Committee is pleased to recognize Business Con- nections as the recipient of September's Business of The Month award. The nomination the committee received was from a frequent customer Police reports The following infor- mation is compiled from Red Bluff Police Depart- ment, Tehama County Sheriff's Department, Corning Police Depart- ment and California Highway Patrol. Arrests • Samuel Allen Miles, 29, Red Bluff was arrest- ed at a car wash on Sale Lane for a felony parole violation. Recovery • The Red Bluff Police Department recovered a stolen white Honda on Lincoln Street. Parts employee admitted to stealing items from the business. Theft • An O'Reilly Auto of Business Connections. It states, "Business Con- nections provides a one stop location for numer- ous business services. The staff is always friend- ly and helpful. Not only is this business a great value to Tehama County, but the owner of Business • Items were stolen from a garage on Jackson Street. •A Round Up Avenue resident reported the theft of three marijuana plants valued at $3. Vandalism • Someone reported their grandmother's fence had been vandalized on Lay Avenue. It was deter- mined to be gang related. •A vehicle's tires were slashed at the Walnut Street Apartments. •A vehicle's tires were slashed at Lassen Medical Group. •A Mariposa Avenue resident reported her sis- ter was cleaning her house Red Bluff Garden Club Is Brewing Up "A Bewitching Affair" Program & Luncheon Featuring Floral Design House of Design Sat., Oct. 27, 2012 Carlino's Event Ctr., Rolling Hills Casino Kate Gleim Reserved Tickets $25.00 Last date to purchase is October 16, 2012 Tickets: Kathy 527-9403 Diane 824-5661 House of Design 909 Jefferson St. Red Bluff Connections, Lynne Moule, has been active in the community for over 25 years, serving on numerous boards and involved in many local charities." The Business of the Month is a joint project of the chamber and the Red when her sister's boyfriend came over. When her sister shut the door and refused to talk to him the man caused a dis- turbance and broke a front window. •A well-pump genera- Bluff Daily News. Nomi- nation forms are available on the chamber's website at www.redbluffcham- ber.com. Thursday, September 27, 2012 – Daily News 3A The purpose of life insurance Dear Mary: My husband has a $50,000 term life insurance policy. He is 57 and a smok- er, and the premium is quite high. He has an additional $10,000 death benefit at work. The value of the poli- cy keeps going down, while the premium climbs. He pays $57 a month for the coverage. We have an IRA worth over $100,000 but plan on spending some when he becomes 59 1/2 to buy a bigger home. What should we do? -- Anne, Massachusetts Dear Ann: First, you need to understand the purpose of life insurance. It is to replace income for dependents that would be left in financial hardship upon the death of the breadwinner. The theory is that as a person gets older, the need for life insurance diminishes as depen- dents become independent and one's estate grows. I cannot give you specific advice because I do not have enough information, but it is possible that the $10,000 employer- furnished policy is sufficient at this point in his life, freeing that $57 each month to be redirected into an investment vehicle that would work harder for you. Whatever you do, do not cancel that $50,000 policy without first getting advice from a trusted advi- sor. Generally speaking, at the peak of a family's need for life insurance, the amount should be equal to six to eight times the bread- winner's annual income in a term insurance policy. The theory is that the proceeds of the policy would enable the family to maintain the lifestyle they had prior to the death. Dear Mary: My hus- band and I are working on becoming debt free. Our major debt is our house payment. Would you suggest refinancing the loan while the rates are low? -- Megan, Cali- fornia move. Even if you can get a significant- Mary Hunt Dear Megan: Refi- nancing is not always advisable, even when you could get a lower interest rate. There are many things to consider. First, don't even think about refinancing unless you could reduce the rate by at least 2 full percentage points. Next, determine the costs you will incur by refinancing. There may be "points" (loan fee), an appraisal fee, document recording fees and so on. If you cannot recoup those costs within two years in the difference between the old and new monthly payments, it's probably not a wise Everyday Cheapskate be a terrific deal. Do you have a question for ly lower interest rate and the fees are low, refinancing might be a big mistake based on the big picture. Let's say you've had your current 15-year mort- gage for seven years. You've built a nice amount of equity and will own it in just eight more years! Refi- nancing into a new 15- or 30-year mortgage might give you a much lower payment, but in the long run you will pay a great deal more given the new terms. Look beyond the monthly payment. If you can refinance for the same term you have remaining, end up with a lower month- ly payment and recoup the associated costs within two years, hurray! That would Mary? Email her at mary@everydaycheapskate.com, or write to Everyday Cheapskate, P.O. Box 2099, Cypress, CA 90630. Mary Hunt is the founder of www.DebtProofLiving.com, a personal finance member website and the author of "7 Money Rules for Life," released in January. Business Connections named Business of the Month Authors of chosen nominations receive a $25 gift certificate good at any local store courtesy of the Daily News. tor was damaged on the 15000 block of Winans Road. • Someone at the Corning West Apartments on Butte Street reported Tuesday vandalism to the apartment complex office. Threat • Someone at Centenni- al High School on Fig Lane reported Tuesday a student was threatened by three former students who have been hanging around the campus for about a week.