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June 8, 2011     Indian Valley Record
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June 8, 2011
 
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Bulletin, Progressive, Record, Reporter 6B Wednesday, June 8, 2011 h ,i!ebit overdr0000 protection 00vorth it? 'i ' i! " NAVIGATING FINANCIAL rATE RS MARY K. SHELTERS Attorney at Law Are you aware you now have to intentionally "opt in" with your bank for overdraft protection for ATM and debit card transactions? Rather than risking the embarrass- ment of having your transac- tions declined, opting in authorizes your bank to accept an ATM or debit card transaction even if it exceeds your account balance. Sounds good, but you pay dearly for this convenience. Overdraft fees can be as high as $37 per transaction and nationwide generated $35 billion for banks in 2010. Banks routinely enrolled customers in overdraft pro- tection before July 1, 2010, but now must get a customer's consent. A new Federal Re- serve rule requires banks to drop overdraft protection for existing customers who never asked for it and have not specifically consented. The Center for Responsible Learning found nearly all consumers polled did not ' know the difference between opting in and opting out. Sixty percent opted in be- cause they feared being charged a fee if their debit card was declined. Sixty-four percent thought opting in would avoid having paper checks returned, yet opting in only applies to debit and ATM transactions. Increasing the likelihood of overdraft fees for ATM, debit card transactions and paper checks is the way banks "post" these transactions to an account. Banks can choose among all items that come in at the same time for clearing and debit your account in several ways. ATM and debit card charges are not auto- matically deducted from an account at the point of sale but get presented after mid- night and subtracted in "high-to-low" order; the largest item is deducted first and the smallest item last. This can also be true for paper checks and boosts the chance of multiple small transaction overdraft fees in a given day. The Pew Charitable Trusts, a non-partisan, non-govern- mental agency, advocates that deposits and withdrawals be processed in a neutral manner that does not have the potential of maximizing over- draft fees and specifically advocates that deposits and withdrawals be processed in chronological order. Consumers need to be conscious of everything that can impact their vul- nerability to overdraft charges. Be aware that banks have a cutoff time for ATM and branch deposits which is generally earlier than the close of the banking day, meaning that deposits made after the cutoff will be treated as if they were made the following day. The National Foundation for Credit Counseling suggests alternatives to opting in for overdraft pro- tection and paying large overdraft fees. --Be vigilant and balance your check register often. --Record all ATM and debit card transactions to- gether with all paper checks -- remember your true balance is in your check register, not on your ATM slip. --Know your "true" balance before you make a debit card purchase or ATM withdrawal. --Ask if your bank has a line of credit to link to your checking account. --Establish a savings account if possible and link it to your checking account. --Pad your checking account with "ghost funds" without recording them in your register to cover emer- gencies and mathematical errors. In these difficult economic times, overdraft fees cut deeply into a struggling family's diminished pocket- book. Check with your bank i£ you're not sure whether you've opted in or out and make a conscious decision about what's right for you and your family. l:ri(00,00z00ts hold drawing to suppo"r s00elter ani0000,al:; TALES FROM THE SHELTER PLUMAS COUNTY ANIMAL SHELTER 283-3673 ' Friends of the Shelter in- vites everyone to participate in this year's drawing to raise money for the animals at the county facility, The grand prize is dinner for two at Cafe Le Coq and movie tickets to the Town Hall Theatre. First prize is two Friday nigSt barbecue dinners at Greenhorn Ranch. We have two second prizes -- gift cer- tificates at Pangaea and Tima- tillos restaurants. Dunn's Coffee and Fine Teas has given us a certificate for goodies at its establishment also. Tickets for the drawing are on sale at the shelter and Friends will be at Safeway and Sav-Mor offering tickets. Many, many thanks to the owners of these fine eateries for donating to the cause and especially to Tim for offering to print the tickets for us, as well as donate a gift certifi- cate. As always, Friends would not be able to do as much for the animals if we didn't have the support of the community. Thank you! Friends would like to thank the current sponsors of animals. Because of the generosity of each of these people we are able to spay or neuter an animal and guar- antee that it will find a new home. Sponsors Evelyn Pini, Marsha Bradley, Carolyn Vickers, and Sandra and Stan Carr have all donated and rescued Spooky, Barely, Oreo and Baby from a life at the shelter. These animals will be spayed or neutered with your donations -- many thanks for your kindness. The county now has vouchers available for dis- counts on spay and neuter surgeries. If you come by the shelter or call 283-3673 staff can tell you how much the certificate will save you on your animal's surgery by any Plumas County veterinarian. Just do it -- spay/neuter --' the time has come for every- one to realize that there are too many animals for the community to support. Even purebred animals are being turned into the shelter. We currently have a pure- bred shepherd, two basstt hounds and a Queensland heeler in the shelter along with another 13 of their less "pure" brethren. Come by and take a look at ali these deserving animals and take home a new best friend. Friends of the Plumas County Animal Shelter is a 501(c)(3) nonprofit corpora- tion and all donations are tax deductible. All monies donat- ed go directly to the care and comfort of the shelter ani- mals. No money goes toward salaries or administrative fees. Friends is not a county entity. Donations can be sent to Friends, P.O. Box 182, Quincy CA 95971. County's "ire safe council mee00s tomorrow The Plumas County Fire Safe Council's (PCFSC) regu- larly scheduled monthly meeting will be held Thurs- day, June 9, at the Plumas County Planning and Build- ing Services office, 555 Main St. in Quincy, 9 - 11 a.m. At the June meeting the council will discuss progress toward current wildfire miti- gation projects and imple- mentation of the Community Wildfire Protection Plan. PCFSC will begin featuring a short (seven-minute) video, "Forestry as Global Warming Solution," on its website on the importance of healthy forests. Brian West, council chairman, said, "I hope this video will help you better understand the importance of how healthy, fire-resilient forests contribute to global health and safer communi- ties." The video is from the organization Forests for the Next Century. For additional information on council activities, haz- ardous fuel reduction pro- jects and defensible space, visit plumasfiresafe.org. PCFSC invites residents with an interest in prevent- ing and mitigating impacts from wildland fires to their Homes or communities to become members. The council is a coalition of citizens, businesses, fire departments and representa- tives of local, state and federal government agencies. The mission of the council is: "To reduce the loss of natural and manmade re- sources caused by wildfire through Firewise Commu- nity programs and pre-fire activities." Sudoku Puzzle #2i90-D 3 5 3 7 2 1 6 7 8 9 5 1 783 1 9 4 8 3 6 Difficult 2 4 9 5 3 9 Information Pleesel A o. E E V A L ol.m. o . I IOlR A N O ci.lAiRiYmo u T l! I-" "-° " INIO B L E "M" T AL- T 0 N A" R" " IIIO N I TE" S ' lelc , m C I F T AlelllNlo E 3 $ A N l A $ I A NIAITIA R I iliiii!iiiii Sudoku Solution #2185-D 51 7328694 36491 7582 892654137 62973 1 458 453869271 1  8245963 731 496825 9851 72346 24658371 9 ACROSS 1. Vintners' vessels 5. It's a long story 9. Replacement players, perhaps 14. River of Aragon 15. Lou Grant's paper 16. Book before Joel 17. Need a bath desperately 18. Rock- n -roll pioneer Freed 19. Didn't just s t there 20. Avoiding punishment, perhaps 23. Essential acid 24. Comic Rudner 25. "Tiny Bubbles" singer 29. Hand-dyed fabrics 33. An ex of Frank 36. Veep after Hubert 38. Words after "Sit" or "Step" 39. More pressing matters 43. Inter  (among others) 44. Archie Bunker, to Mike Stivic 45. All right, slangily 46. Little chicken 49. Mideast's Heights 51. Suitable for service 53. Styptic pencils' targets 57. Leverage in negotiations 62. Of the blood 63. Plumb crazy 64. "__ the ump!" 65. Parenthetical remark 66. Roulette bet 67. Best or Ferber 68. Statistical values Small Potatoes 3 4 i 5 15 18 21 ll ,t,! P,,][ ill li 27 28 4O 44 49 52 59 American Proffie Hometown Content 63 66 69 69. Florida's Miami- County 70. "we forget ..." DOWN 1. Vice 2. Crosswise, nautically 3. Euro-filled fountain 4. "Would you be '7" " 9" . ( Please. ) 5. For fellows only 6. He sang about Alice 7. Composer Carlo Menotti 8. Dogpatch denizen g. Cascade Range peak 10. Showy parrot 11. Italian bubbly's source 3O 38 45 50 54 N 64 67 7O 5/29/2011 12. "there, done 41. Shakespearean that" prince 13. Down in the 42. Jew's-harp dumps sound 21. Wild West justice 47. Goes for stripers 22. Bro or sis 48. "Cry  River" 26. "All Things 50. Cost of a candy Considered" bar, once broadcaster 52. Had the blahs 27. Avery Fisher's 54. Reprimand mildly field 55. Hops dryers 28. Circular gasket 56. Pie-in-the-face 30. Poop sound 31. Scotty's captain 57. Anka's "Eso " 32. Ocular woe 58. In the thick of-- 33.Quatrain scheme 59. Spectacular star 34. "IV handyman 60. Stuck in the Bob cooler 35. Opposed to, in 61. Zilch dialect 62. Easter entree 37. Capital on a ord 40. It's sometimes dumped on winning coaches Fine Art Gicl6es Photo Restoration Fine Art Photography Pam@TrebesStudios.com 3215 Hill Crest Drive Lake Almanor, California 96137 530-596.4166 www.TrebesStudios.com Audio/Video Hook-Ups Electronic Design & Implementation THX Certified Home Theater Design Rick@TrebesStudios.com # , ;, i