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February 9, 2011
 
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Bulletin, Progressive, Record, Reporter Wednesday, Feb. 9, 2011 15B ii you know the difference between need M NAVIGATING FINANCIAL WATERS MARY SHELTERS Attorney at Law One of my favorite bank- ruptcy clients summed up in one succinct sentence what she learned by taking the mandatory "debtor education" class prior to receiving a dis- charge in bankruptcy: "Is it a need or a want?" Asking that question is as important today as it was at the beginning of the Great Recession. It's prob- ably not news to many, but the California Employment wan . Development Department pub- frequently cited economicpredicts California's unem- economy, and decimated in back to over 150,000 units lished an unemployment rate forecaster for Californiaployment rate will stay Plumas County, remains a per year but generate less of 21 percent for Plumas Coun- and the nation, predicts above 10 percent for three huge obstacle to any recov- revenue per home than pre- ty in December 2010. "modest growth and dis- more years and that most of ery in California. Construe- recession values. The American economy tressingly high unemploy-Northern California will fall tion in California has lost In spite of the slowness of did improve the last quarter ment" for the duration ofbehind the rest of the state 405,000 jobs since it peaked economic recovery, the good of 2010, but economic growth 2011. California must find in 2011. The center believes in the winter of 2006 and is news is that we are in recov- is still too anemic to alter jobs for 1.3 million workers California is in the early predicted to add only 20,000 ery and that the best fore- the unemployment rate. to move back to pre-reces- stages of a protracted five- jobs before the end of 2011 casters see better days While the gross domestic sion numbers while simul-year recovery with unem- but an additional 96,000 jobs ahead for California even if product (the output of goods taneously finding jobs for ployment remaining at 12.6 by December 2014. we have to wait until the and services produced by the all new job seekers. The An- percent throughout the first While multi-family hous- end of the year. For the last American economy) expand- derson Forecast sees eco-two quarters of 2011 and ing is gaining strength inthree years, we had no idea ed 3.2 percent in the last nomic growth as "almost still above 10 percent until coastal areas, single-family when the recovery would be- quarter of 2010, it's not imperceptible" until the the end of 2013. It sees Call- housing starts remain de- gin or if it would last once it enough to depress the unem- end of 2011 but offers hope fornia adding 255,000 jobs pressed and will be lucky to began. We need to have hope ployment rate. Three percent by predicting job accelera- over the next year, repre- reach 30,000 statewide in and take heart and for those growth is what you need just tion in 2012 extending from senting less than one-fifth of 2011 according to the Busi- of us that can afford to in- to keep the economy steady. "sector to sector" including jobs lost during the reces- ness,Forecasting Center's dulge our wants, we should Five percent GDP for a full nonresidential construc- sion, and with jobs not re- 2011 forecast. Built up de- spend and invest locally. year would only diminish tion. covering their pre-recession mand, coupled with cheaperFor those of us that can't in- the unemployment rate by Even with job accelera- high point until 2015. designs, will contribute to dulge our wants, we need to one percentage point, tion in 2012, the Business The construction indus- new home starts in 2012 and keep asking for a while The UCLA Anderson Fore- Forecasting Center at thetry, the most beleagueredit's predicted that by 2015 longer: Is it a need or a cast, a highly acclaimed and University of the Pacificsector of the California housing starts will bouncewant? li i" H :! haking out the truth about dietary salt intake, quality I-IEALTH AND FITNESS CHUCK NORRIS Q: This past week, the U.S. government advised more than half of Ameri- cans to cut their daily salt intake drastically. What do you think about that? --Theresa S. Bellevue, Wash. A: The Department of Agri- Americans need to cut down the delicate balance of sodium around the world are still de- it's simply natural. culture and the Health and on sodium, because about 75 throughout almost every sys- ficient.) One caution: If you do opt Human Services Department percent of it is consumed in tern in our bodies. That is How much iodine and sodi- for sea salt and are super- just recommended that those our processed foods, snacks why the National Academy of um a person needs varies de- strict in your diet on salt in- who are at risk for high blood and fast foods. And we all Sciences advises that we con- pending on genetics, lifestyle take, you'll need to get your pressure consume less than a know that higher levels of sume at least 500 milligrams and daily routine. For exam- iodine from other sources, half-teaspoon of salt a day. sodium can lead to high blood of sodium daily', ple, an expectant mother is such as seafood (ironic be- (These consumers include pressure and cardiovascular not encouraged to go on a low- cause iodine is depleted from African-Americans, anyone disease. Q: Chuck, I've heard that salt diet because.of the criti- sea salt) or dairy products. Io- older than 51 and anyone who At the same time that we sea salt is the way to go. cal need for iodine in the de- dine levels in fruits and veg- suffers from hypertension, di- watch out for sodium over- Natural, right? velopment of a baby. Deficien- etables depend upon the soil abetes or chronic kidney dis- consumption, we must keep --"Under the Sea" cies can cause cretinism in in which they are grown. ease.) The rest of us can stick ourselves from polarizing to Monterey babies. As always, check with your to the teaspoon-a-day guide- the other extreme. We must A: That's a little trickier to So, to answer the question, private physician or health line of 2,300 milligrams, refuse the fad -- among even answer. Let me explain, there are nominal differences practitioner for what is best which is still about one-third naturalists -- to rid our diets Believe it or not, once upon between table salt and seafor your personal application. less than the average person completely of salt, because we a time, American society was salt, though the health conse- Write to Chuck Norris (in- actually consumes, do need sufficient amounts of salt-deprived -- or, better put, quences of ingesting too fo@creators.com) with your Despite the fact that I don't sodium and iodine for the op- iodine-deprived. Hence, much of either are essentially questions about health and think the government should timal operation of our bodies, iodized salt was introduced in the same. Still, many fitness. be telling us how to eat, the Part of the reason our bodies 1922 and went far to correct gourmets and naturalists pre- advice is sound, crave salt is our blood is 0.9 United States deficiencies, fer sea salt, not only because Copyright 2011 Chuck Norris It's easy to see why most percent salt, which maintains (About 2 billion people of its taste but also because Distributed by creators.com ! II,'I I~II~II I~I l I .... ~-"r~£~,_~;i~ ~ ~4.-> b~:,~.~-.~6: \ Bequette & Kimmel Accountancy .Corporation John A. Kimmel C.P.A. & Roberta Allen C.P.A. CPATM The CPA. Never Underestimate The Value. 307 W. 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