8A The Mountain Messenger, Thursday, August 2, 1990
West Virginia Bankers Elect
New Officers At Resort Confab
Denver k Hipp, chief executive
officer and cashier of Jefferson Se-
curity Bank, Shepherdstown, has
been elected president of the West
Virginia Bankers Association. Mr
Hipp was elected at the
association's annual convention
held July 26-28 at The Greenbrier
Hotel, White Sulphur Springs.
Other officers elected include
president-elect Richard Homan,
president and chief executive offi-
cer, Pendleton County Bank, Fran-
klin: and vice president A. Michael
Perry, chairman of the board, First
Huntington National Bank, Hunting-
ton. C. R. Hill, Jr., president of Mer-
chants and Miners National Bank,
Oak Hill, is outgoing president of the
association.
The Messenger Brings You News
By ANDREA GAINER
WVU Extension Agent, Home
"Don't leave home without them."
While you may take that company's
advice, you may decide to buy an-
other company's checks.
Before you buy that particular
company's traveler's checks -- or
any company's traveler's checks,
shop around. Travelers checks
make handy companions. They are
more easJ!y negotiable than per-
sonal checks and safer to carry than
cash.
Yes, take them with you. But do
shop around before you buy. Serv-
ice charges for checks vary. Em-
ployers, travel clubs, or banks may
offer reduced service charges as a
benefit to members or customers.
Remember that your membership
fees or a required minimum bank
balance is offsetting those reduced
charges.
Besides asking about service
charges, ask how to get a refund if
the checks are lost or stolen. If the
refunding agent is nowhere near
your destination, you may need to
look for another issuing company.
Also ask about exceptions to get-
ting immediate refunds. If you lose
your checks on a holiday, you may
have problems getting a refund tile
same day.
Take some care when using
checks also. Keep a list of check
numbers separate from tile checks.
Unless you can produce it when
checks are lost you'll get no refund•
Make an extra list also that you can
give to a traveling companion for
safekeeping. Or keep it locked in a
suitcase of glove compartment.
Cross off numbers of cashed
o~qecks so you have an accurate
record of outstanding expenses.
Economics, Greenbrier County
Realize that even though traveler's
checks are more acceptable than
personal checks, you still witl need
some identification. If you're outside
the L)nited States, you may have to
produce a passport. In this country,
you may have to show a driver's
license.
Shop around before cashing any
traveler's checks when you're out of
the country. A bank or issuing com-
pany probably will give you a better
rate of exchange than a merchant or
hotel.
After you get home, you may
want to cash in left-over checks --
unless you'll be traveling again very
soon. With increasing inflation, you
may want to convert the checks into
some form of an investment to earn
a return for you -- instead of for the
issuing company.
The issuing company makes
money off your un-cashed checks.
One major traveler's check issuer
expects checks to be outstanding
for about 55 days. Until checks are
cashed, the company invests the
money and earns interest on it. The
longer your checks are outstanding,
the more interest they earn.
But if you cash in your checks
arid deposit them in a savings or
NOW account, then you'll be earn-
ing the interest on your money.
Traveler's checks are a marvelous
convenience for those individuals
"on the go." So, use them often, just
make certain you are getting your
money's worth!
TODAY'S CHUCKLE: Isnt the corn
purer a great invention9 There are lust
as many mistakes as ever, but they are
nobody's fault
Fox Realty' Of Rupert Affiliates
National Firm: Will Open In
Fox Realty has been selected by
Better homes and Gardens Real Es-
tate Service to service the Lewis-
burg area. The company name be-
came Fox Realty/Better Homes and
Gardens, even though the firm re-
mains locally owned and operated.
Betty Fox, broker-owner of Fox
Realty said, "The affiliation positions
us to grow as a company. We will
have the distinct advantage of bene-
fiting from national marketing exper-
tise while expanding our local repu-
tation." Ms Fox said the decision to
accept the Better Homes and Gar-
dens invitation to join the national
network was "based on a real estate
industry that is changing from the
selling and buying of houses to the
marketing of homes."
The company will adopt four
process-onented approaches to the
business of selling and buying
homes. Ms Fox said the systems
are attractive because "they are ef-
fective for homes of various price
ranges and work welt for all consum-
ers."
Ms Fox said the company has
positioned itself to capture future
growth by use of these systems to
expand its current market base. "We
are not looking behind, we're looking
to the future," said Ms Fox. "We
have a strong commitment to quality
homes and services thus allowing
the customers of Fox Realty to
benefit from the best possible exper-
tise in home marketing. The strength
and credibility of Better Homes and
Gardens will enable us to provide
this expertise."
Supporting these growth plans is
the exclusive marketing territory al-
lowed Fox Realty/Better Homes and
Gardens. Fox Realty will
Better Homes and Gardens{
firm in the company's
ture marketing territories.
said the firm considered
chises before deciding on
Homes and Gardens.
The company maintains
in Rupert, located at
7th Street. The company
expand its current sales
opening its Lewisburg
at 107D East Washington
August 10.
Randy Schwager, vice
of member development
Homes and Gardens, said
tional network is pleased
Fox Realty on board.
cited to have a firm with
of people and local re
Fox Realty has. They
type of firm we invite to
local reputation,
committed to growth,"
Better Homes and
Estate Service was formed
and is a national network;
670 firms with more than
rices and over 21,300
associates.
The Real Estate
operating group of
ration, a Fortune 500
media company based
Moines, Iowa. The cor
flagship publication is
and Gardens magazine,
largest home-and-family
with a monthly readershi
million. In addition to ma
lishing, Meredith also has
in book publishing,
ing and broadcasting.
Corner of Durant Rd. & Liberty St.. Covington, VA
Easy Access Off 1-64, Exit 4 First Covington Exit
1-703-962-8300
III II I i
NOW OPEN
8
Distincliw
Lines of
:Cabinetry
Come in
&
Save
>.
White- Westinghouse Appliances
Browse through our showroom and see how exerting a Brier !n~erlols i,,~tchen c.-3n be. Brier Inlenors
has the styles to surf your taste and budget
Choose from traditional door styles m ;qickory Che,ry, Oak or Maple *n up [o seven hand-rubbed
finishes. Or choose from the high.rech iam;n,:ltes and woods of Our European rrameless line. Euro 6 Both
tradit~nal and Euro 6 lines offer o~,er 65 co vet ence tealures to make your cabinetry functional as well as
beautiful.
Create
exciling cabinetry ideas for your k~1chen, or any roOm m your home. Our professlonaI designers
offer a free design service. Just bring tn your room measurements and ideas and we'ti give you a quotation
on the cabinetry of your choice.
Come in and see for yoursetf how easily Brier interiors can pJan cabJnefry for your Iifeslyle, .and your
budget
• •
rler
152 Seneca Trail
645-1401
II
Set Up & Deliver~,d'
Local Financing Available
"We Have A Home To Fit Every Individual's Needs!"
Featuring C]I,&YTON and
Homes
Manufacturers of Affordable, Quality-Built Homes
"The Home People"
1230 South Craig Ave., Covington, VA
PHONE 96S-home
see Gerald Morris, Katie Moody, Bill Moody, or Todd Moody
Open Monday - Saturday ?ANt - 5PM
VAVL
Local Valley Retired
Employees Hold Monthly
The Greenbrier Valley Chapter
#994 of the National Association of
Retired Federal Employees
(NARFE) met June 27, at the City
Hall in Alderson with thirteen mem-
bers present.
The meeting was opened with a
devotional on "Forgiveness" by
Wanda K. Hinkley. The business
meeting was conducted by Wanda
K. Hinkley, pf'~sident. In the Sun-
shine Report from Alderson, it was
reported that Velvia Kincaid was in
the Alleghany Regional Hospital. A
discussion followed an introduction
of an article on comfrey, a perennial
plant which is used as a remedy of
arthritis, rheumatism, sciatica or in-
flammation of the joints. Comfrey is
referred to as the healing herb.
John McMillion, Service Officer,
read from the last publication of the
National Office of NARFE that the
Member Services Section is now en-
titled Retirement Benefit Section.
The office gives up-to-date informa-
tion regarding retirement issues.
Some states withhold
from annuity checks. At
West Virginia is not
The Wall Street journal
1990, had an article
Supreme Court ruling
must provide relief to tax
paid state taxes that
found to be
on established legal
The motion was
McHale, seconded by
ercy, and carried for
Oliverio of Clarksburg,
proxy delegate for
the National Convention
ville, Kentucky in
The meeting closed will1
ing of "Blest Be The Tie
Members present were
Andrews, Goldie
McMillion, Mike McHale,
Kershner, Bonnie Kirby,
Martin, Mary Holder, GIE
meron, Prudence Piercy,
Hinkley, Jack C. Burkey
J. Grevittius.
YOUR ADVERTISEMENT
LOOKS GOOD IN
THE MOUNTAIN
Soon there will be a better way to
or sell a home in
Greenbrier County
Watch for us!
better way to sell your home.
Each firm independently owned and operated.
Cc'~ Copyright Meredith Corporation 1989. All rights reserved.
26, 1!
a memb
