5 events to make the most of Halloween

IMG_1322

Your friends and neighbors at Ohio Valley Bank invite you to join in on the fun happening at our branches this Halloween.

HOLZER TREAT STREET

No, you’ve not traveled back to the 50s. That’s our bankers from the OVB Banking Center at Holzer dressed up Sock Hop style for the annual Holzer Treat Street event. The event brings in hundreds of kids for a trick or treating experience like no other. Stop by OVB’s booth. Treat Street is Tuesday, October 24 from 6 to 8 p.m. at the Gallia County Fairgrounds.

WELLSTON HALLOWEEN BASH

The OVB Wellston Office, part of the Milton Banking division, will be hosting a Halloween Bash on Thursday, October 26 from 5 to 7 p.m. The bank will be turned into a carnival with games, balloons, face painting, and more.

Halloween Bash MBC Wellston

GALLIPOLIS TRICK OR TREAT

Also on Thursday the 26th, the OVB Main Office, located at 420 Third Avenue in Gallipolis, will be participating in Gallipolis Trick or Treat from 5:30 to 6:30 p.m. Stop by the bank’s tent outside the Third Avenue entrance to the bank, surrounded by the annual Decorated Pumpkin display.

TRICK OR TREAT W OVB

BARBOURSVILLE CUSTOMER APPRECIATION DAY

The OVB Barboursville Office is anxiously planning a football-themed Customer Appreciation Day on Friday, October 27, from 10 am to 2 p.m. The tailgate fun will include free hotdogs and refreshments, corn hole, and Hits 97.9 FM will be onsite.

10-27-17updated

JACKSON MONSTER MASH TRUNK OR TREAT BASH

Halloween weekend concludes with the Monster Mash Trunk or Treat Bash at the OVB Jackson Office on Saturday, October 28, from 2 to 4 p.m. Kids will compete in a costume contest for a $50 grand prize. There will also be plenty of other games, face painting, and treats to enjoy.

HALLOWEEN FLYER large

OVB to take part in Get Smart About Credit

vintonelem3

OVB Financial Literacy Leader Hope Roush presents Adventures in Credit to area school.

October is not only about Halloween, it also plays host to the American Bankers Association Get Smart About Credit event. Don’t let your finances scare you. Be sure to Get Smart About Credit!

Ohio Valley Bank will once again celebrate the event this month with their financial literacy programs. Now in its 15th year, Get Smart About Credit is a national campaign sponsored by the American Bankers Association to help youth understand credit and other financial lessons. Get Smart About Credit Day will officially be held Thursday, Oct. 19, however, OVB will be celebrating the event throughout the fall season.

Read more of this post

Celebrate autumn with festive area events

Autumn Halloween pumpkins. Orange pumpkins over bright autumnal nature background

Autumn is officially here. With the vibrant changing leaves and soon-to-be cooler temperatures, the fall season is also widely celebrated locally.

Beginning this month, our area communities have many fall activities on tap. From family events to historical reenactments, there is something for everyone to enjoy.

Kicking things off in a festive fall manner is the Annual West Virginia Pumpkin Festival in Milton. The event, which began in 1986, is one of the state’s largest fests. This year’s festival will begin Thursday, Oct. 5 with events taking place through Sunday, Oct. 8.  The festival will feature a cultural array of family activities. More than 100 skilled artisans will display crafts and there will be a variety of exhibits and demonstrations, such as blacksmithing, pottery making, quilting and woodworking. In addition, the event will host a variety of musicians, featuring the sounds of bluegrass, traditional and contemporary styles. A 5K run will also take place.

In Point Pleasant, the West Virginia State Farm Museum’s Annual Country Fall Festival is slated for Oct. 7-8. The event features a variety of family activities serving as a great kick-off to the autumn season. Also in Point Pleasant, history will come to life Oct. 6-8 with the Annual Battle Days Festival. The event will take place at Tu-Endie-Wei State Park and Main Street. Historical reenactments along with other demonstrations are scheduled. A parade is set for 11 a.m. on Main Street Saturday, Oct. 7. The Battle Days Encampment will also take place Oct. 6-8 at Tu-Endie-Wei State Park.

In Gallia County, the autumn season means it’s time for the Bob Evans Farm Festival. The annual event is set for Oct. 13-15 in Rio Grande, Ohio.  The festival offers a wide range of entertainment, handmade arts and crafts, farm contests, children’s activities, demonstrations and musical performances. What makes the festival so unique is that it takes place at the original Bob Evans Restaurant, which will have a food tent on site. Additional food including Ohio-made cheeses and trail bologna will be available as well as traditional fare including bean soup, corn bread, kettle corn, pies, apple dumplings and ice cream.

In Jackson County, Ohio, the Foothills Art Festival is scheduled for Oct. 13-15. The 36th annual event will take place in the Main Lodge at Canter’s Cave 4-H Camp, located five miles northwest of Jackson. Hours are Friday and Saturday from 10 a.m.-7 p.m. and Sunday from 12-5 p.m. The festival is a long standing tradition held within the foothills of Southeastern Ohio and features approximately 100 artists and over 500 works of art.

More festive fall fun is in store at Point Pleasant’s Fort Randolph and Krodel Park with Harvest Fest/Tales in the Tavern. The event is slated for Saturday, Oct. 28 from 4-8 p.m. Harvest Fest will bring history to life in the area once again.

The Pumpkin House, which is located in the Kenova area of Cabell County, will bring autumn and Halloween fun starting Friday, Oct. 27. The house is certainly unique decorated with more than 3,000 hand-carved pumpkins. Visitors can see the famous house through Oct. 31. Along with the Pumpkin House, the C-K AutumnFest will take place in Kenova and the community of Ceredo. There will be arts and crafts booths, an old-fashioned bake-off and local vendors.

In Madison County, Ohio, the London Strawberry Festival will host their Halloween Car and Motorcycle Show Saturday, Nov. 4. The event will take place in the Walmart Parking Lot in London. There will be contests for best decorated car, best decorated cycle, best decorated truck, best adult costume and best youth costume.

For more information on any fall events that may take place in your community, contact your area chamber of commerce or tourism center. Have a fun, festive fall!

 

Dress savvy, save savvy: shop for professional attire on a budget

Men's shirts in clothing store

Dress for success is a mantra that is often preached within the workplace. However, shopping for your professional wardrobe can be quite costly.

To look your best at work and not spend a fortune, we’ve created a shopping guide to help you out. Before you get started, thoroughly read your workplace’s dress code in order to make sure your attire is suitable. If you aren’t sure of a clothing piece even after reading the dress code, the best thing to do is not purchase the item until you have spoken with someone from human resources.

Once you know what is acceptable for your workplace, take a look in your closet. If you notice several items that you no longer wear or no longer fit, remove them. If the items are still in good shape consider taking them to a consignment shop, where you may receive some money in return. Many social media sites include groups where you can sell nice, used clothing as well. Be sure to take note of clothing that is both in good shape and work appropriate. By examining your current wardrobe before you head out to shop, you will be able to assess what you need to buy rather than what you want, which will help you save money.

Begin with the basics. The basics are major staples of your wardrobe that can be paired with other pieces to make multiple outfits. Basics include:

  1. Blouses and or/button-down shirts in neutral colors. These tops can be layered with cardigans/sweaters, paired with ties or statement necklaces, and can go with a variety of dress slacks and/or skirts.
  2. Dress slacks in neutral colors, including tan, grey, navy and black.
  3. Solid color skirts, which could be paired with many different top combinations.
  4. A few good pairs of work shoes, in colors such as black, grey, navy or tan/brown.
  5. Appropriately styled denim jeans for casual dress days.

Just because you should take care of your “basics” first, doesn’t necessarily mean your work wardrobe has to be boring. Instead it gives you the ability to create multiple outfits. Most basic shades can easily match appropriately to patterned pieces. By mixing and matching your basics with other pieces, you will be able to make more out of less, which helps you save tremendously.

Accessories are your friend. A great way to jazz up or change any outfit is by using accessories.  For men simply changing up your tie or adding some cool cufflinks can add individuality while keeping your attire acceptable for the office. Vests are another nice addition to mix and match with your outfits. Accessorizing for women can include appropriate statement jewelry pieces, such as a necklace, bracelet or pair of earrings. Simply adding a necklace to your basic wardrobe can make your outfit feel brand new. Dress scarves are another great touch to give an outfit a whole new style.

Another way to help you save money as well as add to your professional wardrobe is to choose versatile pieces that can be both dressed up and down. For example, you may choose a nice blouse or top that pairs perfectly with both a skirt and dress pants as well as jeans or leggings for a casual weekend look. A nice polo shirt is another item that can be dressed up by pairing it with dress slacks or dressed down by wearing it with shorts or jeans. Finding shoes that can be both work and casual wardrobe staples is another way to get the most bang for your buck. By purchasing pieces that work for both business and casual outfits, you will buy less and, save money.

Make sure you look for deals and sales when shopping for work clothes. Taking advantage of sales at local retailers as well as shopping at factory outlet stores can help you cut costs dramatically. Many shops often have sales on “out of season” items. So when you see prices slashed go ahead and stock up. This way you both save money and will have the proper wardrobe staples when that season rolls around again.

Comparing brand prices as well as price checking different retailers on the same piece is another good way to save. Some retailers will even price match an item with another store. Always check for coupons as well. Many associate couponing with food items, however there are coupons for clothing too, including simple but necessary professional wardrobe pieces, such as socks and hosiery.

Another way to save on your wardrobe is to take advantage of apps that offer rebates, such as www.ibotta.com. Ibotta enables users to add rebates to qualify for cash back as well as buy featured products at your favorite stores and retailers. You can redeem your rebates by taking a photo of your receipt and get cash back.

Hopefully these tips will have you looking your best without breaking the bank. Good luck and happy shopping!

 

OVB BANKit! Set to Kick Off This Fall

bankitsupplies

As the 2017-2018 academic year is officially underway, Ohio Valley Bank is once again ready to bring back their BANKit program to area high schools.

The OVB BANKit program, which spans the entire length of the school year, reached 445 students last year from six participating schools in Ohio and West Virginia. Students ranged from freshmen to senior grade levels.

Created in 2010, the OVB BANKit program brings real-life banking lessons to the classroom. OVB Financial Literacy Leader Hope Roush conducts each lesson, which typically takes place on a monthly basis at participating schools. The program works as a game in which students are given $100 in buzz bucks, the OVB BANKit currency. Students have the option to invest their buzz bucks as they wish among different accounts, including CDs, money market accounts, basic checking accounts and savings accounts. They also have the option to purchase and sell shares of stock in the game’s mock company, Pseudosoft.

During each visit, students draw a Real Life Card, which may force them to pay an unforeseen bill or provide them with unexpected cash. During this time students also have a chance to manage their banking and make deposits/withdrawals in their accounts. This portion of the program is important as students learn to fill out basic bank paper work as well as practice money management.

In addition to the game aspect, each BANKit visit includes a lesson on a banking topic. Lessons for this academic year will include:

  1. Basic differences in account types
  2. Filling out basic bank paper work, including deposits and withdrawals; check writing; updating check register
  3. Reading a bank statement
  4. Credit/Cost of Credit/Credit Reports/Credit Scores
  5. Budgeting
  6. Identity Theft
  7. Credit vs. Debit
  8. Interest

Along with planned lessons, if teachers have requests pertaining to other financial topics, OVB will often accommodate them.

For more information on the OVB BANKit program, contact Hope Roush at hdroush@ovbc.com.

College student savings survival guide

Concept of expensive textbooks with female student

As students are preparing to go back to school this fall, many of them will start their first year of college. College is no doubt an exciting time, and for many college freshmen it marks the first step to “freedom.” However, this newfound freedom often comes with more responsibility, including managing money for the first time.

College freshman often find themselves overwhelmed when it comes to their finances. Rest assured, there are ways to avoid the “broke college student” stereotype. The first step is to create and stick with a budget. A college student’s budget doesn’t have to be complicated. A simple budget that outlines money coming in compared to expected monthly expenses is a great way to get started. Setting an allowance for extra activities, such as special events, games, and concerts, is another factor to include in the budget.

Managing money as a college student can be made easier by opening a checking account. A checking account is a great tool that can help students stick to their budgets as well as keep money safe and secure. Ohio Valley Bank offers the Right Start Checking account for customers ages 16-25, which makes it a perfect option for college students. This account has no monthly service fee and allows five free non-OVB ATM transactions per month. In addition, Right Start Checking enables access to eDelivery statements and free online mobile banking. For students who are away at school, mobile banking is a great asset. Through this feature, students are able to deposit a check using their smartphone from the comfort of campus.

If you are off to college for the first time or are returning and want to better manage your finances, check out these additional tips:

  1. Keep your eyes peeled for student discounts. You may be surprised by how many businesses and restaurants offer student discounts. It doesn’t hurt to ask as this isn’t always advertised. Make sure to always have your student I.D. with you to take advantage of any discounts offered.
  2. Take advantage of free campus events. It may seem tempting to go off campus to see a movie or attend a concert, but many college student unions sponsor a variety of free entertainment events. From movie screenings to dances to festivals and more, look to see what is being offered for free on campus. This allows you to still have fun with friends without breaking the bank.
  3. Utilize your student meal plan. While it may be tempting to dine off campus, it’s also an unnecessary expense when you are already paying for a meal plan. If you still aren’t sold on your school’s food, perhaps opt out of your meal plan entirely so you can use that money to purchase your own groceries.
  4. Share with friends. When it comes to eating out consider splitting the cost of a pizza with friends. This way you can still get a treat and save money. Sharing costs for other things like groceries or movie streaming services is another great way to save.
  5. Be careful when it comes to credit. If you use credit cards wisely it is a good thing as it will help you raise your credit score. However, not making good credit choices can be quite problematic. With a credit card comes new responsibility and using too much credit is a problem when you find yourself unable to pay your bill. Remember to only use credit when you know that you have enough money to pay the balance. Also be selective when choosing a credit card. Research the card’s annual percentage rate as well as any annual and penalty fees that may be associated with it.
  6. If you can, pick up a part-time job. Of course school should be your number one priority, but if you are able, a part-time job can help you tremendously. Many colleges offer work study programs to students who qualify. If you can’t get into a work study program, look for other job options that can work around your class schedule. Also, if it’s possible look into a job and/or internship related to your field of study, which would not only provide you with extra cash but also give you valuable career-related experience.
  7. Shop wisely at the campus bookstore. Most college courses require you to purchase textbooks, which when bought new can be expensive. If the option is available, purchase used books. This is typically a much cheaper option. Also, sell back your used textbooks at the end of the semester to make some extra cash. If the book store prices are simply not affordable, check out online retailers, such as Amazon, to see if you can get the textbook you need at a reduced price. Another idea is to check with friends who previously took the same course to see if you could borrow their textbook. If you can make it work, sharing textbook costs with friends is a great money saver.
  8. Start saving now. Most financially successful adults begin saving their money at a young age. While it might be tempting to spend the money you have and earn while in school, you can help your future self tremendously by saving your money at a young age. Even if it’s a small amount that you set aside for your savings account each week, it will be beneficial to your future. Saving money in college can help you pay off your debts, such as student loans, faster.

College is a great time to grow and take the first steps into adulthood. Making smart financial choices in college is a good path to take on the journey to a successful career. OVB wishes all first time and returning college students a wonderful semester!

 

It’s time to go back to school

Back to school

Summer sun has been fun, but now it’s time to be cool and go back to school.

While it’s always sad when summer comes to a close, going back to school can be an exciting time. Autumn temperatures, new academic challenges, and fall sports mark the start of the school year. For many parents, however, the new school year can also be expensive. With the increasing costs of school supplies, clothing, meals, and athletics, many families find their budgets to be a bit tighter than usual.

To make sure you don’t overspend on school supplies, contact your child’s school first and request a list. Many schools already have supply lists available, and often each list is organized per grade level. By sticking to the list you won’t waste money on items that will be provided by the school and you will know exactly what to purchase to avoid overspending. In Ohio, take advantage of the Sales Tax Holiday, slated for Aug. 4-5, to help save money. For more information, visit http://www.tax.ohio.gov/sales_and_use/salestaxholiday.aspx .

If you missed or are unable to shop during the Sales Tax Holiday, many retailers already start rolling back prices on school supplies in August. Keep your eyes peeled for any sales. Once your child begins classes make sure to again look through their school provided items. If you purchased any items that the school already has, either return them or put them aside for next year. Many schools will gladly accept a donation of your unused supplies as well.

When it comes to new clothes for the school year, with growing children many parents find themselves having to purchase entirely new wardrobes. If you are still working on your back to school clothes shopping, check area retailers for seasonal sales. In many climates, winter clothes are not necessary until a few months into the school year. However, many retailers already have their winter attire front and center. The good news is quite often the summer and early fall pieces are now in the sale section. Taking advantage of seasonal sales can help you save tremendously on back to school clothes.

As kids continue to grow out of their current sizes at a rapid rate, consider the value of buying from consignment shops. Many consignment shops offer fashionable clothing at a significantly lower price. In addition, many consignment shops will offer credit in exchange for gently used items.

Another expense of the new school year is lunch costs. When it comes to school lunches the amount parents spend can vary greatly. Fortunately in our local area, many schools offer a free lunch program. However, if your child’s school does not have this program in place or if you have a picky eater, you may have to find other ways to save on lunch expenses. The best way to start is including school lunch costs in your monthly budget. Advance planning is also key. By knowing what foods your child likes as well as an estimated cost, you can create menus to help with your meal prep. Be sure to involve your child in the meal planning. By keeping your kids interested it assures the food won’t go to waste and they will learn a financial lesson on budgeting as well.

When planning your child’s lunches, also make sure to take advantage of coupons while grocery shopping. Keep track of coupons in your local newspaper as well as look around the store for any deals. Another helpful tip to cut down on lunch costs is purchasing items that have a long shelf life. Stock your pantry full of these items and you will be set for weeks to come.

Locally, students are set to return to school on the following dates:

  • Cabell County Schools – Thursday, August 10
  • Jackson City Schools – Wednesday, August 16
  • Washington City Schools – Wednesday, August 16
  • Miami Trace Schools – Wednesday, August 16
  • Mason County Schools – Thursday, August 17
  • Westfall Schools – Thursday, August 17
  • Wellston Local Schools – Monday, August 21
  • Gallipolis City Schools – Monday, August 21
  • Madison Plains Schools – Monday, August 21
  • Eastern Local Schools (Pike) – Tuesday, August 22
  • Gallia County Schools – Wednesday, August 23
  • Oak Hill Union Local Schools – Wednesday, August 23
  • Meigs Local Schools – Wednesday, August 23
  • Western Local Schools – Wednesday, August 23
  • Waverly City Schools – Wednesday, August 23
  • Southern Local Schools – Thursday, August 24
  • Eastern Local Schools (Meigs) –Thursday, August 24

Ohio Valley Bank offers best wishes for another great school year. For information on OVB’s financial literacy programs, visit www.ovbc.com or e-mail OVB Financial Literacy Leader Hope Roush at hdroush@ovbc.com.