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Mendocino Coast calendar of events – Fort Bragg Advocate-News

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If you have questions regarding COVID-19, call the County Public Health Office at 707-472-2759. To contact the City of Fort Bragg, call 707-961-2823. All Fort Bragg citizens may contact the Fort Bragg Police Department at 707-964-0200 and staff will direct you to the appropriate agency.

Government Meetings

Fort Bragg online: view city government agendas and minutes at cityfortbragg.legistar.com.

Mendocino County online: View Board of Supervisors’ and Planning and Building Services agendas and minutes, and issued building permits at mendocinocounty.org. Many county government meetings are live-streamed and archived on the Mendocino County Video channel on YouTube.

Mendocino County has an up-to-date COVID-19 information site including business resources.

Mendocino Unified School District: For information and how to connect via teleconference, call 707-937-5868 or visit mendocinousd.org/District/2851-2019-20-Agendas.html.

Fort Bragg Unified School District: For more information, call 707-961-2850 or visit http://www.fbusd.us/.

Thursday, March 11

Medicare HICAP counseling appointments available today and March 25. 1-800-434-0223 for an appointment.

Coast Women in Business presents “How to Use Podcasting to Market Your Business, Creative Work, or a Good Cause,” 8 to 9:30 a.m. Free via Zoom – register at https://bit.ly/3jYnIeu. More info.: visit https://coastwomeninbusiness.com/.

Soroptimist International of Fort Bragg noon-1 p.m., Joanne Frazer, 707-964-6344.

Exhibiting Your Art in a Virtual World: 1-2 p.m., West Business Development Center Zoom workshop. westcenter.org.

Friday, March 12

Californians for the Arts presents a free webinar, Arts Advocacy and Government 101, noon. Learn about arts advocacy and why it matters. californiansforthearts.org.

Willits Center for the Arts, 6:30 p.m., Baroque, Part II Art Talk. willitscenterforthearts.org.

Saturday, March 13

Drive-up Corned Beef Dinner, 1-4 p.m., Our Lady of Good Counsel Catholic Church, 255 S. Harold St., Fort Bragg. To order, 707-357-1287 or 707-964-0229 or email olgcinfb@gmail.com/Orders.

Monday, March 15

Restaurants eCommerce, 11 a.m.-noon, West Business Development Center Zoom workshop. westcenter.org.

Virtual Mendocino Environmental Partners Award Ceremony, 7-8 p.m. elizabeth@mendoparks.org.

Tuesday, March 16

SI Noyo Sunrise Club,  8-9 a.m., si-noyosunrise.org/.

Business Email Compromise, 10-11 a.m., West Business Development Center Zoom workshop. westcenter.org.

Spring Cleaning Clothing Giveaway, 12:30-4:30 p.m., parking lot behind Safe Passage, 325 E. Redwood Ave., Fort Bragg. 961-1100.

End-of-Life Documentation and Making Things Easier for your Trustee: Zoom presentation, 1 p.m. with Fiduciary Maggie Watson. To register, call 707-961-4310 or email eldercare@rscenter.org. This is a free event.

Santa Rosa Symphony Institute for Music Education presents a masterclass with Grammy-winning cellist Zuill Bailey, 7 p.m., via Zoom. srsymphony.org.

Wednesday, March 17

Mendocino County Bookmobile: Cleone across from store, 9:30-10 a.m.; Caspar Community Center, 10:30-11:15 a.m.; Community Center of Mendocino, 11:45 a.m.-12:30 p.m. No one is allowed on board the Bookmobile at this time. All business to be conducted at the outside table. Wear a mask. Social distance-6 feet. 707-234-2874, mendolibrary.org.

Fort Bragg Farmers Market: 3-5:30 p.m., 400 block of North Franklin Street, Fort Bragg. mcfarm.org.

Thursday, March 18

Mendocino County Bookmobile: Westport near Post Office, 9:30-10 a.m.; Albion Store, 11:15 a.m.-noon; Elk Store, 1:15-1:45 p.m. No one is allowed on board the Bookmobile at this time. All business to be conducted at the outside table. Wear a mask. Social distance-6 feet. 707-234-2874, mendolibrary.org.

Soroptimist International of Fort Bragg noon-1 p.m., Joanne Frazer, 707-964-6344.

Business Survival: Credit Repair,  1-2 p.m., West Business Development Center Zoom workshop. westcenter.org.

Gallery Bookshop presents Authors’ Night on Zoom, 6 p.m. Featured authors are Patti Diener, Malcolm MacDonald, Steven Roesch, and Tansy Chapman. gallerybookshop.com.

Saturday, March 20

Gray Whale Research: 10 a.m.-2 p.m., Mendonoma Whale and Seal Study visit the deck of the Noyo Center for Marine Science’s Crow’s Nest Interpretive Center. noyocenter.org.

Self-Guided Whale Trail, 11 a.m.-3 p.m., Point Cabrillo Light Station. For directions and more information, call 707-937-6123 or visit pointcabrillo.org.

Mendocino Coast Clinic Crab Cook-Along, noon-2 p.m. mccinc.ejoinme.org/supportmcc.

Sunday, March 21

Blues and Jazz with Earl Oliver: 1 p.m., Noyo River Grill, 32150 N. Harbor Dr., Fort Bragg.

Concerts

The Sequoia Room Video Archive: includes more than 60 hours of music performances from sold-out shows at The Sequoia Room, North Coast Brewing Co. You will find many different genres, including; Jazz, Blues, Bluegrass and more at this link.

On Stage

Take a minute to enjoy Mendocino Theatre Company’s One-Minute Radio Theatre, every Tuesday and Thursday at 8 p.m. on local public radio station kzyx.org.

Coast Cinemas: 135 S. Franklin St., Fort Bragg, 707-964-2019, thecoastcinemas.com. Closed temporarily due to the Coronavirus COVID-19 concerns.

Due to continued COVID-19 Shelter-In-Place restrictions, we are temporarily removing Breakfasts, Live Music, Dances, and Gardening listings from the Mendocino Coast calendar of events page. We will reinstate them when SIP restrictions have been lifted. Please Mask Up Mendocino County!

Museums

Due to Coronavirus concerns, museum exhibits are available online only. For more information, contact the museum directly.

Ford House Visitor Center and Museum: 45035 Main St., Mendocino, 707-937-5397, mendoparks.org.

Fort Bragg Sea Glass Museum: 17801 N. Highway 1, Fort Bragg, 707-357-1585, glassbeachjewelry.com/

Grace Hudson Museum and Sun House: 431 S. Main St., Ukiah, 707-467-2836, gracehudsonmuseum.org.

Guest House Museum: 343 Main St., Fort Bragg, 707-964-4251, fortbragghistory.org.

Larry Spring Museum of Common Sense Physics: 225 E. Redwood Ave., Fort Bragg.

Kelley House Museum: Museum and research center, 45007 Albion St., Mendocino, 707-937-5791, kelleyhousemuseum.org.

Little River Museum: Exhibits: the Little River Pioneer Cemetery, the Pomo Indian language and maps to their local trails, photographs by James Garretson. 707-937-2014.

Mendocino County Museum: 400 E. Commercial St., Willits, 707-972-6458, mendocinocounty.org.

Noyo Center for Marine Science: Crow’s Nest Interpretive Center, South Coast Trail and the Downtown Discovery Center, 338 N. Main St., noyocenter.org, 707-733-NOYO, info@noyocenter.org.

Point Arena Lighthouse: 45500 Lighthouse Rd., Point Arena, 877-725-4448, pointarenalighthouse.com.

Point Cabrillo Lighthouse: 45300 Lighthouse Road, Mendocino, 707-937-6122, pointcabrillo.org.

Triangle Tattoo and Museum: 356B N. Main, Fort Bragg, 707-964-8814, triangletattoo.com/.

Libraries

Mendocino Community Library: Closed due to COVID-19. Corner of William and Little Lake Street, Mendocino, 707-937-5773.

Mendocino County Library: Though the library buildings are closed due to Coronavirus, the branches are fully-operational–offering free online reading material and curbside pickup for books, music and movies. At Fort Bragg Library, please order from the online catalog and pick up material Mon-Fri between 10 and 4:30. Return items Tue-Fri between 11 and 3. Call 964-2020 Mon-Fri between 10-5 to schedule a pickup, get a library card or ask questions. Bookmobile is operating curbside as well. Please wear masks and observe social distancing when you visit. Fort Bragg Library cannot accept book donations until further notice. 499 E. Laurel St., Fort Bragg.

Pacific Textile Arts: Library with books and magazines on all aspects of textile arts, currently closed due to COVID-19. 450 Alger St. (off east end of Laurel), Fort Bragg, 707-964-3600.

Send calendar listings by noon on Friday to events@advocate-news.com. Lists of ongoing support and community group meetings run on alternate weeks. Please contact us about how to publicize paid classes and workshops. All content is subject to editing.

 

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Are Sallie Mae Student Loans Federal or Private?

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When you hear the name Sallie Mae, you probably think of student loans. There’s a good reason for that; Sallie Mae has a long history, during which time it has provided both federal and private student loans.

However, as of 2014, all of Sallie Mae’s student loans are private, and its federal loans have been sold to another servicer. Here’s what to know if you have a Sallie Mae loan or are considering taking one out.

What is Sallie Mae?

Sallie Mae is a company that currently offers private student loans. But it has taken a few forms over the years.

In 1972, Congress first created the Student Loan Marketing Association (SLMA) as a private, for-profit corporation. Congress gave SLMA, commonly called “Sallie Mae,” the status of a government-sponsored enterprise (GSE) to support the company in its mission to provide stability and liquidity to the student loan market as a warehouse for student loans.

However, in 2004, the structure and purpose of the company began to change. SLMA dissolved in late December of that year, and the SLM Corporation, or “Sallie Mae,” was formed in its place as a fully private-sector company without GSE status.

In 2014, the company underwent another big adjustment when Sallie Mae split to form Navient and Sallie Mae. Navient is a federal student loan servicer that manages existing student loan accounts. Meanwhile, Sallie Mae continues to offer private student loans and other financial products to consumers. If you took out a student loan with Sallie Mae prior to 2014, there’s a chance that it was a federal student loan under the now-defunct Federal Family Education Loan Program (FFELP).

At present, Sallie Mae owns 1.4 percent of student loans in the United States. In addition to private student loans, the bank also offers credit cards, personal loans and savings accounts to its customers, many of whom are college students.

What is the difference between private and federal student loans?

When you’re seeking financing to pay for college, you’ll have a big choice to make: federal versus private student loans. Both types of loans offer some benefits and drawbacks.

Federal student loans are educational loans that come from the U.S. government. Under the William D. Ford Federal Direct Loan Program, there are four types of federal student loans available to qualified borrowers.

With federal student loans, you typically do not need a co-signer or even a credit check. The loans also come with numerous benefits, such as the ability to adjust your repayment plan based on your income. You may also be able to pause payments with a forbearance or deferment and perhaps even qualify for some level of student loan forgiveness.

On the negative side, most federal student loans feature borrowing limits, so you might need to find supplemental funding or scholarships if your educational costs exceed federal loan maximums.

Private student loans are educational loans you can access from private lenders, such as banks, credit unions and online lenders. On the plus side, private student loans often feature higher loan amounts than you can access through federal funding. And if you or your co-signer has excellent credit, you may be able to secure a competitive interest rate as well.

As for drawbacks, private student loans don’t offer the valuable benefits that federal student borrowers can enjoy. You may also face higher interest rates or have a harder time qualifying for financing if you have bad credit.

Are Sallie Mae loans better than federal student loans?

In general, federal loans are the best first choice for student borrowers. Federal student loans offer numerous benefits that private loans do not. You’ll generally want to complete the Free Application for Federal Student Aid (FAFSA) and review federal funding options before applying for any type of private student loan — Sallie Mae loans included.

However, private student loans, like those offered by Sallie Mae, do have their place. In some cases, federal student aid, grants, scholarships, work-study programs and savings might not be enough to cover educational expenses. In these situations, private student loans may provide you with another way to pay for college.

If you do need to take out private student loans, Sallie Mae is a lender worth considering. It offers loans for a variety of needs, including undergrad, MBA school, medical school, dental school and law school. Its loans also feature 100 percent coverage, so you can find funding for all of your certified school expenses.

With that said, it’s always best to compare a few lenders before committing. All lenders evaluate income and credit score differently, so it’s possible that another lender could give you lower interest rates or more favorable terms.

The bottom line

Sallie Mae may be a good choice if you’re in the market for private student loans and other financial products. Just be sure to do your research upfront, as you should before you take out any form of financing. Comparing multiple offers always gives you the best chance of saving money.

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Tips to do some fall cleaning on your finances

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Wealth manager, Harry Abrahamsen, has five simple ways to stay on top of the big financial picture.

PORTLAND, Maine — Keeping track of our financial stability is something we can all do, whether we have IRAs or 401ks or just a checking account. Harry J. Abrahamsen is the Founder of Abrahamsen Financial Group. He works with clients to create and grow their own wealth. Abrahamsen shares five financial tips, starting with knowing what you have. 

1. Analyze Your Finances Quarterly or Biannually

You want to make sure that your long-term strategy is congruent with your short-term strategy. If the short-term is not working out, you may need to adjust what you are doing to make sure your outcome produces the desired results you are looking to accomplish. It is just like setting sail on a voyage across the Atlantic Ocean. You know where you want to go and plot your course, but there are many factors that need to be considered to actually get you across and across safely. Your finances behave the exact same way. Check your current situation and make sure you are taking into consideration all of the various wealth-eroding factors that can take you completely off course.

With interest rates very low, now might be a good time to consider refinancing student loans or mortgages, or consolidating credit card debt. However, do so only if you need to or if you can create a positive cash flow. To ensure that you are saving the most by doing so, you must look at current payments, excluding taxes and insurance costs. This way you can do an apples-to-apples comparison.

The most important things to look for when reviewing your credit report is accuracy. Make sure the reporting agencies are reporting things actuary. If it doesn’t appear to be reporting correct and accurate information, you should consult with a reputable credit repair company to help you fix the incorrect information.

4. Savings and Retirement Accounts

The most important thing to consider when reviewing your savings and retirement accounts is to make sure the strategies match your short-term and long-term investment objectives. All too often people end up making decisions one at a time, at different times in their lives, with different people, under different circumstances. Having a sound strategy in place will allow you to view your finances with a macro-economic lens vs a micro-economic view. Stay the course and adjust accordingly from a risk and tax standpoint.

RELATED: Financial lessons learned through the pandemic

A great tip for lowering utility bills or car insurance premiums: Simply ask! There may be things you are not aware of that could save you hundreds of dollars every month. You just need to call all of the companies that you do business with to find out about cost-cutting strategies. 

RELATED: Overcome your fear of finances

To learn more about Abrahamsen Financial, click here

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How to Get a Loan Even with Bad Credit

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Sana pwedeng mabura ang bad credit history as quickly and easily as paying off your utility bills, ‘no? Unfortunately, it takes time. And bago mo pa maayos ang bad credit mo, more often than not, kailangan mo na namang mag-avail ng panibagong loan. 

Good thing you can still get a loan even with bad credit, kahit na medyo limited ang options. How do you get a loan if you have bad credit? Alamin sa short guide na ito. 

For more finance tips, visit Moneymax.

 

 

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