Issue link: https://www.epageflip.net/i/8805
4A – Daily News – Wednesday, April 7, 2010 Commerce business A couple’s decision to start a family leads to one of the most significant periods of transition in their lives. Along with a host of new responsibilities comes the financial impact that children have on a household. This is not something to be taken lightly. You may be focused on immedi- ate expenses like diapers, booties and baby food, but that’s just the start. By some estimates, the cost of raising a child from birth to age 18 can fall in the range of $200,000, and possibly much more depending on any number of variables related to lifestyle, education and healthcare costs. These numbers make it appar- ent that it takes not just a village to raise a child, but a fair amount of money as well. But take heart: families have been managing to make this work since people first roamed the earth. The key is to make sure you have your finan- cial house in order before the new arrival comes on the scene. Here are some critical factors you can’t afford to overlook: Medical costs The first expense that comes to mind is the cost of delivering a baby. Are you covered by med- ical insurance? How about deal- ing with any potential complica- tions, either for the mother or child? Beyond that, will you have to pay additional costs to add the child to your existing insurance policy? & Child care expenses Some new families prefer to have a parent stay home to raise the child. Though ideal in many respects, this option also comes at the cost of one potential income, which can put a big squeeze on a family budget just at the time when the headcount has expanded by one. On the other hand, if both parents plan to be back at work full-time, daycare costs become part of the equation. Depending on where you live and the options available to you, this can easily amount to several hundred dollars of additional expense per week—a significant cash outflow even in most dual-income households. Other expenses Is your house or apartment big enough to handle the arrival of a new child? If not, you may need to move into a larger space. A new addition to the family also means another mouth to feed, so your gro- cery bill is likely to go up. Clothing is another ongoing cost, and your entertainment budget may rise as well, if for no other reason than the need to pay a babysitter when you want to go out. Education expenses If you choose to send your child to a private school for grade Bill Frech, Tyler Smail and Julie Mishoe of the financial services firm Edward Jones in Red Bluff recently received the firm's Client Service Excellence award. "We are honored to receive this award," Frech said. "The Client Service Excellence award is special because it is a direct reflection of the relationships we have with our clients." James D. Weddle, Edward Jones' managing part- ner, added, "Frech, Smail and Mishoe are outstanding members of the Edward Jones team. While all of our associates understand the value of client service, it's obvious that they have been striving to provide the best service for their clients." Edward Jones provides financial services for indi- vidual investors in the United States and, through its affiliate, in Canada. Every aspect of the firm's busi- Northeastern Califor- nia Small Business Devel- opment Center (SBDC) at BuUe College is present- EVENTS GUIDE COMMUNITY Online 24/7 @ www.epageflip.net/issue/8501 $ Money $ 2 Lend Cash 4 Notes McKinley Mortgage Co. CA DRE # 01773837 Call 530-241-0977 800-909-1977 and • Payroll Open year around 1395 Montgomery Rd. • Bookkeeping Red Bluff, Ca • 527-2276 Marie Bartlett & Shirley Spence Plastic Surgery of the Breast.... includes some of the most frequently performed procedures in the field of plastic surgery and has helped many women look and feel their best. Attend our next free seminar, and you’ll get the facts from an expert in the field of plastic surgery. You’ll also learn about skin resurfacing techniques. Dr. Curtis Wong, a Board Certified Plastic Surgeon, will talk about: • Breast Enlargement • Breast Lift • Breast Reduction • Breast Reconstruction • Laser, Rhytec & Matrix Skin Resurfacing Call 241-1300 Today To Reserve Your Seat Refreshment will be served www.plasticsurgeryredding.com 2439 Sonoma St. Redding, CA Attendants receive a certificate for a complimentary cosmetic surgery consultation Monday April 12th 6:00 p.m. DW PLUMBING INC. Local Plumbers Serving all Your Plumbing Needs Since 1993 530 527-6403 Major Credit Cards Accepted Lic. No 679492 & Gardening 10-25% OFF MSRP HYDROPONICS Indoor Lighting ADVANCED COMPLETE AUTO REPAIR All makes and models. We perform dealer recommened 30K, 60K, 90K SERVICES AT LOWER PRICES 1417 SOLANO ST., CORNING 824-1100 NOW OPEN SUNDAYS Smog Check starting at $ (most cars and pick-ups) 2995 + cert. Pass or FREE retest 527-9841 • 195 S. Main St. Alan Foley enterprise Prepare for the cost of a bigger family school and high school, you could be in store for some hefty tuition bills. And the cost only escalates for higher education. If you’re planning to assist your child with college expenses, you may want to consider mak- ing monthly contribu- tions to an education savings fund. The sooner you begin sav- ing, the better financial shape you’ll be in when it comes time to write out the checks. The arrival of a new child into the family is an exciting and exhausting time in a parent’s life. On top of the day- to-day tasks involved in running an expanded household, you’ll have new responsibilities related to the development and well- being of your new son or daugh- ter. Given all you’ll have to jug- gle, you won’t want to waste time worrying about whether your financial future is secure. Talk to a financial advisor to etch out a plan to reach your long-term goals. Being proactive today will mean more time to enjoy the trea- sures of parenthood that lie ahead. ___ Alan Foley is a financial advisor and business financial advisor for Ameriprise Financial, 2150 Main St., Ste. 8, and can be reached at 528-1328. Local office receives service award ness, from the types of investment options offered to the location of branch offices, is designed to cater to individual investors in the communities in which they live and work. The firm's 12,000-plus financial advi- sors work directly with nearly 7 million clients to understand their personal goals -- from college sav- ings to retirement -- and create long-term investment solutions that emphasize a well-balanced portfolio and a buy-and-hold strategy. Edward Jones embraces the importance of building long-term, face-to-face relationships with clients, helping them to understand and make sense of the investment options available today. Edward Jones, which ranked No. 2 on Fortune magazine's "100 Best Companies to Work For" in 2010, is headquartered in St. Louis. Visit www.edwardjones.com for more information. Successfully negotiating your commercial lease ing a workshop on "Suc- cessfully Negotiating Your Commercial Lease." The free workshop will Bartlett & Spence be 9 to 10 a.m. on Wednesday, April 14, at Northeastern California SBDC at Butte College, 19 Williamsburg Lane, Chico. Pre-registration is required. To register or for more information call 895-9017. Car Show extends sponsor deadline • Car Show Sponsor Book – This is the last week to get your ad in for the Car Show sponsor book. We have extended the deadline until Friday, April 9. Please send your camera ready ad by Friday. We are pleased to announce that our printer from Interland Business & Gifts has delivered a healthy baby girl named Jody Lynn on April 25 and is back to work part-time. She will be putting the book together for printing and so we need all artwork in soon. Thank you for your co-operation. • Car Show T-shirts – The Car Show T-shirts have been ordered. The color this year is ash gray and the design was done by Jason Cardenas. The price is the same as last year: $15 for Small to XL and $17 for XXL and XXXL. This year we have something new. In addition to T-shirts we will also have available for pre-order only the button down "shop" shirt. They will be light gray and the cost is $25. So if you want a shop shirt you will want to call and order now. T-shirts will be on sale at the chamber and sev- eral other locations when they arrive. • Triathlon – Lucero Olive Oil is sponsoring a triathlon at Black Butte Lake this weekend, April 10 and 11. This will be a full weekend event with two races; a Spirit race and an Olympic race. There will be vendors and all kinds of fun things going on. You are invited to come out and compete and win your weight in olive oil or just watch the event. For more information you may go to www.blackbutte- triathlon.com. • Carnival – 10 a.m. to 4 p.m., Saturday April 10 at the North Side Park the Corning Youth Bowlers Carnival will take place. There will be a dunk tank, cake wheel, food and drinks and more. Proceeds to benefit the Corning Youth Bowlers. • Corning In the Evening – 5:30 p.m., April 15, Holiday in Express, 3350 Sunrise Way, will be host- ing the monthly chamber get together. They invite you to come and see their brand new look: Redesigned logo and signage, new outdoor lighting, landscaping and design features and stylish touches in the lobby. Bring your business card for a chance to win a door prize. Refreshments will be served. Please take note that again we have changed the day from the second Thursday to the third Thursday of the month because of circumstances beyond our control. Next month will be the Car Show Mixer, Friday, May 7 at Corning Ford. There will be no Corning in the Evening in May. • Youth Fair – You are invited to the Children’s Fair of Tehama County Saturday, April 24 form 10 a.m. to 3 p.m. at the Tehama District Fairgrounds. The Children’s Fair is a Project of the Tehama County Education Foundation and the Tehama County Department of Education. There will be face painting, obstacle course, crafts and much more. The event is free to all – rain or shine. For more information please contact Jackie Douglas at 527- 5811. • Census 2010 – If you have any questions about filling out your census questionnaire you may come here to the chamber office at 1110 Solano Street Mondays, Tuesdays and Thursdays from 9 - 11 a.m. and 2 – 5 p.m. Gary Woods will be here to answer any questions you might have. This column is prepared and submitted by the Corning Chamber of Commerce. ——— A & R Custom Butchering Meat Pack Specials 30 Lb. Pork Pack 5 lbs. Pork Chops 5 lbs. Country Ribs 6 lbs. Pork Steaks 4 lbs. Shoulder Roast 4 lbs. Boneless Ham 6 lbs. Breakfast Sausage 2.69 per lb. 40 Lb. Variety Pack 6 lbs. Chuck Roast 4 lbs. Top Sirloin 5 lbs. Pork Chops 5 lbs. Country Ribs 9 lbs. Whole Chicken 6 lbs. Ground Beef 5 lbs. Bacon 3.29 per lb. 30 Lb. Beef Pack 5 lbs. T-Bone 5 lbs. Rib Eye 6 lbs. Ground Beef 5.69 per lb. 5 lbs. Top Sirloin 4 lbs. Tri-Tip Roast 5 lbs. Beef Ribs 12600 Hwy 99E, Red Bluff Located 5 Miles from I-5 (530) 527-6483 20 Lb. Variety Pack 3 lbs. Chuck Roast 3 lbs. Whole Chicken 3 lbs. Pork Chops 4 lbs. Meatloaf 3 lbs. Breakfast Sausage 4 lbs. Ground Beef 2.99 per lb. Accepting E.B.T., Debit, Credit Cards Now Free Seminar