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Page8 CLINCH VALLEY TIMES, St. Paul, VA, Thursday, January 3, 2013 THE COMMUNITY CHRISTMAS TREE located near Miner's Exchange Bank has had to withstand some harsh winds during the holidays but is still standing tall and proud. SCC offers tips to veterans for their financial future -planners must be licensed or registered to sell financial and insurance products and, in many cases, those financial products must be registered with the appropriate regulator. To determine if a person is properly licensed to sell insur- ance, contact the SCC's Bureau of Insurance in Richmond at (804) 371-9041 or toll-free (in Virginia) at 1-800-552-7945 or visit its website at http://www, scc. virgin ia. gov/boi/ Consumerlnquirv/. Before doing business with any investment professional, veterans should also check with the SCC's Division of Securities and Retail Franchising to determine whether the individual and/or security is properly registered and if there have been any complaints or disciplinary action involving that individual or his firm. To contact the Securities Division, call (804) 371-9051 in Richmond or toll- free in Virginia at 1-800-552- 7945 or visit its website at http://www.scc.virginia.gov/srf/i ndex.aspx. The SCC also encourages veterans and their families to consider the following: Securing long-term care is a priority for many aging U.S. military veterans and their fam- ilies. Many are turning to fin- ancial and estate planning ser- vices to assist them in accessing pension benefits to help with their future care. The State Corporation Com- mission (SCC) reminds veterans to thoroughly evaluate any financial product and the person or company offering it before handing over their hard-earned money or benefits• Shop around, compare prices and terms, and ask questions to make sure a product is suitable for your particular needs• Pension benefits are avail- able to low-income wartime veterans who are 65 and older, or who are permanently or totally disabled by conditions unrelated to their military ser- vice. The Veterans Admini- stration (VA) accredits financial planners and lawyers who can help veterans and their families fill out.and file the paperwork necessary to access those bene- fits. However, the VA does not endorse the financial products these individuals sell to veterans to help finance their long-term care. In addition, the financial 20% to 40,% off entire store inventory Shoe Town Milton Shopping Center Castlewood 762-9531 MARKET CORNER NEWS The Farmers Market Cookbooks are here! The cookbooks are available for purchase at the following businesses: Sweet Peas, St. Paul Town Hall, C.R. Pate, Big M, St. Paul Builders and theLaw Office of Frank Kilgore when planning • Annuities - Senior veterans, in particular, should exercise caution when in- vesting in annuities so they do not lose access to funds they may need for future expenses. An annuity is a contract in which an insur- ance company makes a series of income payments at reg- ular intervals in return for a premium or premiums paid by the owner. Annuities are most often purchased for future income and can be structured to provide income for long periods of time. Deferred annuities may not be suitable for older veterans since, with these products, the owner does not receive .payment for the premium investment for several years and withdrawing funds from it early can be very costly. • The Bureau of Insur- ance has regulations in place that prohibit unsuitable sales of annuity products to sen- iors, particularly for men and women who served in the armed forces. Before signing a contract or an annuity, the Bureau of Insurance encour- ages veterans to make sure they understand the terms of the contract, how any money is invested, and when the benefit payments will begin, keeping in mind the con- sumer's financial status, tax status, and investment ob- jectives, among other things. • Marketing and Sales Practices - The SCC urges veterans to beware of in- dividuals who may claim to be veterans advocates repre- senting a nonprofit organiza- tion or claiming to be endorsed by the Veterans Administration when, in fact, they are insurance agents trying to sell a product. In some cases, these individuals may use false or misleading designations that seem to indicate they are an expert in senior issues when they are not. Some may hold presentations at assisted living facilities presumably to help veterans complete pension applications to qualify for their VA benefits, but do not disclose that they are actually insurance agents selling annuities to help veterans qualify for the benefits. For additional information, visit http://www.scc.virginia•gov/boi. VIRGINIA STATE POLI-CE INSURANCE FRAUD DIVISION It you have knowledge of insurance fraud, report it. 1-877-62FRAUD www.stampoutfraud.com Life and health insurance training available at SWCC No topic is more relevant in today's economic, financial,, and political environment than life and health insurance. This course presents an overview of life and health insurance including types of life insurance, annuities, regulations, and health insurance plans. In addition, the course provides a comprehensive review of group and individual insurance for life and health insurance needs. This course is for everyone as life and health insurance is needed by everyone to protect themselves and their families' financial future. Take this course to learn how to leverage life and health insurance to benefit you, become a licensed agent, or just to expand your knowledge of insurance in general. The principles of insurance course is also being taught during the spring 2013 semester. This course provides coverage of the basic concepts of insurance in- dustry, regulations, policies, un- derwriting, claims, risk transfer and management and career opportunities. This is a great course for everyone, covering important concepts and topics that will apply to everyday life whether buying a home or filing a claim after an act of nature. To register for classes or for additional information, contact the Business, Engineering and Industrial Technology Division at Southwest Virginia Community .College by calling (276) 964- 7277, emailing beit@sw.edu, or visiting http://www.sw.edu.beit/. Celebrate the New Year with the Arbor Day Foundation Residents of Virginia can ring in the New Year with 10 free flowering trees by joining the Arbor Day Foundation any time during January 2013. By bec6ming a part of the nonprofit Arbor Day Foundation, new members will receive two white flowering dogwoods, two flowering crabapples, two Wash- ington hawthorns, two American redbuds and two goldenraintrees. "These beautiful trees will give your home in Virginia lovely flowers with pink, yellow and white colors," said John Rosenow, founder and chief exe- cutive of the Arbor Day Found- ation. "These trees are perfect for large and small spaces, and they will provide food and habitat for songbirds." The free trees are part of the Foundation's Trees for America campaign. The trees will "be shipped postpaid at the right time for planting, between February 1 and May 31, with enclosed planting instructions. The 6- to 12-inch tall trees are guaranteed to grow or they will be replaced free of charge. • Members will also receive a subscription to the Foundation's bimonthly publication, Arbor Day, and The Tree Book, which includes information about tree planting and care. To become a member of the Foundation and to receive the free trees, send a $10 contri- bution to Ten Free Flowering Trees, Arbor Day Foundation, 100 Arbor Avenue, Nebraska City, NE 68410, by January 31, 2013. Virginia residents can also join online at arborday.org/January. Adult Education Connection by Karen Gent HAPPY NEW YEAR from your friends at Southwest Regional Adult Education! This is a very significant year in the world of adult education. We have begun the 12-month countdown before the release of a new version of the GED® test. The new test is a result of the GED 21 t Century Initiative, and it will be a computer- based test. Test-takers will be taking the same five content areas (mathematics, reading, science, social studies, and writing) on the computer that they currently take using paper and pencil. The tests will still be multiple-choice, and test-takers will still have the opportunity to navigate back and forth to change answers before sub- mitring a test for scoring. Just like paper-based test- ing, the computer=based version of the GED® test will only be offered in a proctored testing environment and only at an Official GED Testing Center TM. The test will not be admini- stered on the Internet, and there is no "online" testing. The GED® test was first developed in 1942 to help World War II veterans transition back into civilian life and qualify for college and jobs. Today's adult learners must be prepared to pass the GED® test and to compete for jobs and careers. The GED® Testing Service says it's taking a quantum leap forward in score reporting, and they've added the opportunity for adults to demonstrate career- and college-readiness through a new endorsement The new assessment will evaluate readiness for multiple post- secondary options such as those adults who want to earn a credential for a job requirement and those adults who wish to earn a college degree. II The new GED® assessment will contain rigorous content aligned to the Common Core State Standards. These stand- ards define the knowledge and skills students should have within their K-! 2 education car- eers so that they will graduate high school able to succeed in entry-level, credit-bearing academic college courses and in workforce training programs. Passing the test will certify high school equivalency as well as career- and college-readiness. Southwest Regional Adult' Education is reaching out to adults of all ages who need to earn a high school-level cre- dential, but the program is especially targeting individuals who have begun testing but haven't passed all five sections of the GED® test. The GED® test will be changing on January 1, 2014, and when the test changes, those who have not completed the current test, the 2002 version, will have to start over in the testing process• All incomplete and non-passing scores will expire, which means that those scores will not transfer to the new version of the test. If you haven't completed your GED® testing, it is extremely important that you do complete the current familiar tests before the end of 2013. Don't wait until the last minute to try to reach your goal; act now. Having a GED® cert- ificate will help you meet your goals for job advancement or post-secondar education. Contact Southwest Regional Adult Education at 1-866-581- 9935 to enroll in a free GED® preparation class. To view a schedule of classes, visit www.russel l.k 12.va.us/adulted. GED® is a registered trademark of the American Council on Education• Used under license. Southwest Community College welding classes Have you ever thought about lefirning to weld or obtaining your welding certification? If so, Southwest Virginia Community College will help you fulfill your passion. SWCC will be offering three introductory welding even- ing classes during the Spring 2013 semester. Arc Welding I, also known as WEL 123, is a three credit cour- se and provides an understand- ing of the fundamentals of shielded metal arc welding. It also teaches operation of AC and DC power sources, welding polarities, heats and electrodes for use in joining various metal alloys. This course will meet on Monday and Wednesday even- ings starting at 6:00 pm from January 9 to March 1 in David Hall Room 109. Oxyfuel Welding and Cut- ting, also known as WEL 117, is a three credit course and intro- duces the student to oxyacet- ylene welding, principles of welding and cutting, nomencla- ture of the equipment, devel- Virginia offering opment of a puddle, running flat beads and butt welding in different positions. This course will meet on Tuesday and Thursday evenings starting at 6:00 pm from January 9 to March 1 in Davis Hall Room 109. Pipe Welding I, also known as WEL 126, is a three credit course and introduces the student to the metal arc welding processes including the welding of pressure of piping in the horizontal, vertical, and hori- zontal-fixed with section IX of the ASME code. This course will meet on Monday and Wednesday evenings starting at 6:00 pm from March 4 to May 2 in Davis Hall Room 109. To register for classes or for additional information, contact the Business, Engineering and Industrial Technology Division "at Southwest Virginia Com- munity College by calling (276) 964-7277, emailing mandy.harris@sw.edu, or visitifig http://www.sw.edu/beit/. J Subscribe today to the Clinch Valley Times ...call 762-7671 Have a happy and prosperous New Year/ WE WILL BE OPEN NEW YEAR'S DAY!I We are ready to serve you with great deals in 2013! Our excellent service department is ready to serve you, our valued customers. MORGAN- McCLURE Morgan McClure Castlewood US HWY 58 Castlewood, VA (276) 762-2311 Visit us at www.morganmcclure.com (Castlewood) Page8 CLINCH VALLEY TIMES, St. Paul, VA, Thursday, January 3, 2013 THE COMMUNITY CHRISTMAS TREE located near Miner's Exchange Bank has had to withstand some harsh winds during the holidays but is still standing tall and proud. SCC offers tips to veterans for their financial future -planners must be licensed or registered to sell financial and insurance products and, in many cases, those financial products must be registered with the appropriate regulator. To determine if a person is properly licensed to sell insur- ance, contact the SCC's Bureau of Insurance in Richmond at (804) 371-9041 or toll-free (in Virginia) at 1-800-552-7945 or visit its website at http://www, scc. virgin ia. gov/boi/ Consumerlnquirv/. Before doing business with any investment professional, veterans should also check with the SCC's Division of Securities and Retail Franchising to determine whether the individual and/or security is properly registered and if there have been any complaints or disciplinary action involving that individual or his firm. To contact the Securities Division, call (804) 371-9051 in Richmond or toll- free in Virginia at 1-800-552- 7945 or visit its website at http://www.scc.virginia.gov/srf/i ndex.aspx. The SCC also encourages veterans and their families to consider the following: Securing long-term care is a priority for many aging U.S. military veterans and their fam- ilies. Many are turning to fin- ancial and estate planning ser- vices to assist them in accessing pension benefits to help with their future care. The State Corporation Com- mission (SCC) reminds veterans to thoroughly evaluate any financial product and the person or company offering it before handing over their hard-earned money or benefits• Shop around, compare prices and terms, and ask questions to make sure a product is suitable for your particular needs• Pension benefits are avail- able to low-income wartime veterans who are 65 and older, or who are permanently or totally disabled by conditions unrelated to their military ser- vice. The Veterans Admini- stration (VA) accredits financial planners and lawyers who can help veterans and their families fill out.and file the paperwork necessary to access those bene- fits. However, the VA does not endorse the financial products these individuals sell to veterans to help finance their long-term care. In addition, the financial 20% to 40,% off entire store inventory Shoe Town Milton Shopping Center Castlewood 762-9531 MARKET CORNER NEWS The Farmers Market Cookbooks are here! The cookbooks are available for purchase at the following businesses: Sweet Peas, St. Paul Town Hall, C.R. Pate, Big M, St. Paul Builders and theLaw Office of Frank Kilgore when planning • Annuities - Senior veterans, in particular, should exercise caution when in- vesting in annuities so they do not lose access to funds they may need for future expenses. An annuity is a contract in which an insur- ance company makes a series of income payments at reg- ular intervals in return for a premium or premiums paid by the owner. Annuities are most often purchased for future income and can be structured to provide income for long periods of time. Deferred annuities may not be suitable for older veterans since, with these products, the owner does not receive .payment for the premium investment for several years and withdrawing funds from it early can be very costly. • The Bureau of Insur- ance has regulations in place that prohibit unsuitable sales of annuity products to sen- iors, particularly for men and women who served in the armed forces. Before signing a contract or an annuity, the Bureau of Insurance encour- ages veterans to make sure they understand the terms of the contract, how any money is invested, and when the benefit payments will begin, keeping in mind the con- sumer's financial status, tax status, and investment ob- jectives, among other things. • Marketing and Sales Practices - The SCC urges veterans to beware of in- dividuals who may claim to be veterans advocates repre- senting a nonprofit organiza- tion or claiming to be endorsed by the Veterans Administration when, in fact, they are insurance agents trying to sell a product. In some cases, these individuals may use false or misleading designations that seem to indicate they are an expert in senior issues when they are not. Some may hold presentations at assisted living facilities presumably to help veterans complete pension applications to qualify for their VA benefits, but do not disclose that they are actually insurance agents selling annuities to help veterans qualify for the benefits. For additional information, visit http://www.scc.virginia•gov/boi. VIRGINIA STATE POLI-CE INSURANCE FRAUD DIVISION It you have knowledge of insurance fraud, report it. 1-877-62FRAUD www.stampoutfraud.com Life and health insurance training available at SWCC No topic is more relevant in today's economic, financial,, and political environment than life and health insurance. This course presents an overview of life and health insurance including types of life insurance, annuities, regulations, and health insurance plans. In addition, the course provides a comprehensive review of group and individual insurance for life and health insurance needs. This course is for everyone as life and health insurance is needed by everyone to protect themselves and their families' financial future. Take this course to learn how to leverage life and health insurance to benefit you, become a licensed agent, or just to expand your knowledge of insurance in general. The principles of insurance course is also being taught during the spring 2013 semester. This course provides coverage of the basic concepts of insurance in- dustry, regulations, policies, un- derwriting, claims, risk transfer and management and career opportunities. This is a great course for everyone, covering important concepts and topics that will apply to everyday life whether buying a home or filing a claim after an act of nature. To register for classes or for additional information, contact the Business, Engineering and Industrial Technology Division at Southwest Virginia Community .College by calling (276) 964- 7277, emailing beit@sw.edu, or visiting http://www.sw.edu.beit/. Celebrate the New Year with the Arbor Day Foundation Residents of Virginia can ring in the New Year with 10 free flowering trees by joining the Arbor Day Foundation any time during January 2013. By bec6ming a part of the nonprofit Arbor Day Foundation, new members will receive two white flowering dogwoods, two flowering crabapples, two Wash- ington hawthorns, two American redbuds and two goldenraintrees. "These beautiful trees will give your home in Virginia lovely flowers with pink, yellow and white colors," said John Rosenow, founder and chief exe- cutive of the Arbor Day Found- ation. "These trees are perfect for large and small spaces, and they will provide food and habitat for songbirds." The free trees are part of the Foundation's Trees for America campaign. The trees will "be shipped postpaid at the right time for planting, between February 1 and May 31, with enclosed planting instructions. The 6- to 12-inch tall trees are guaranteed to grow or they will be replaced free of charge. • Members will also receive a subscription to the Foundation's bimonthly publication, Arbor Day, and The Tree Book, which includes information about tree planting and care. To become a member of the Foundation and to receive the free trees, send a $10 contri- bution to Ten Free Flowering Trees, Arbor Day Foundation, 100 Arbor Avenue, Nebraska City, NE 68410, by January 31, 2013. Virginia residents can also join online at arborday.org/January. Adult Education Connection by Karen Gent HAPPY NEW YEAR from your friends at Southwest Regional Adult Education! This is a very significant year in the world of adult education. We have begun the 12-month countdown before the release of a new version of the GED® test. The new test is a result of the GED 21 t Century Initiative, and it will be a computer- based test. Test-takers will be taking the same five content areas (mathematics, reading, science, social studies, and writing) on the computer that they currently take using paper and pencil. The tests will still be multiple-choice, and test-takers will still have the opportunity to navigate back and forth to change answers before sub- mitring a test for scoring. Just like paper-based test- ing, the computer=based version of the GED® test will only be offered in a proctored testing environment and only at an Official GED Testing Center TM. The test will not be admini- stered on the Internet, and there is no "online" testing. The GED® test was first developed in 1942 to help World War II veterans transition back into civilian life and qualify for college and jobs. Today's adult learners must be prepared to pass the GED® test and to compete for jobs and careers. The GED® Testing Service says it's taking a quantum leap forward in score reporting, and they've added the opportunity for adults to demonstrate career- and college-readiness through a new endorsement The new assessment will evaluate readiness for multiple post- secondary options such as those adults who want to earn a credential for a job requirement and those adults who wish to earn a college degree. II The new GED® assessment will contain rigorous content aligned to the Common Core State Standards. These stand- ards define the knowledge and skills students should have within their K-! 2 education car- eers so that they will graduate high school able to succeed in entry-level, credit-bearing academic college courses and in workforce training programs. Passing the test will certify high school equivalency as well as career- and college-readiness. Southwest Regional Adult' Education is reaching out to adults of all ages who need to earn a high school-level cre- dential, but the program is especially targeting individuals who have begun testing but haven't passed all five sections of the GED® test. The GED® test will be changing on January 1, 2014, and when the test changes, those who have not completed the current test, the 2002 version, will have to start over in the testing process• All incomplete and non-passing scores will expire, which means that those scores will not transfer to the new version of the test. If you haven't completed your GED® testing, it is extremely important that you do complete the current familiar tests before the end of 2013. Don't wait until the last minute to try to reach your goal; act now. Having a GED® cert- ificate will help you meet your goals for job advancement or post-secondar education. Contact Southwest Regional Adult Education at 1-866-581- 9935 to enroll in a free GED® preparation class. To view a schedule of classes, visit www.russel l.k 12.va.us/adulted. GED® is a registered trademark of the American Council on Education• Used under license. Southwest Community College welding classes Have you ever thought about lefirning to weld or obtaining your welding certification? If so, Southwest Virginia Community College will help you fulfill your passion. SWCC will be offering three introductory welding even- ing classes during the Spring 2013 semester. Arc Welding I, also known as WEL 123, is a three credit cour- se and provides an understand- ing of the fundamentals of shielded metal arc welding. It also teaches operation of AC and DC power sources, welding polarities, heats and electrodes for use in joining various metal alloys. This course will meet on Monday and Wednesday even- ings starting at 6:00 pm from January 9 to March 1 in David Hall Room 109. Oxyfuel Welding and Cut- ting, also known as WEL 117, is a three credit course and intro- duces the student to oxyacet- ylene welding, principles of welding and cutting, nomencla- ture of the equipment, devel- Virginia offering opment of a puddle, running flat beads and butt welding in different positions. This course will meet on Tuesday and Thursday evenings starting at 6:00 pm from January 9 to March 1 in Davis Hall Room 109. Pipe Welding I, also known as WEL 126, is a three credit course and introduces the student to the metal arc welding processes including the welding of pressure of piping in the horizontal, vertical, and hori- zontal-fixed with section IX of the ASME code. This course will meet on Monday and Wednesday evenings starting at 6:00 pm from March 4 to May 2 in Davis Hall Room 109. To register for classes or for additional information, contact the Business, Engineering and Industrial Technology Division "at Southwest Virginia Com- munity College by calling (276) 964-7277, emailing mandy.harris@sw.edu, or visitifig http://www.sw.edu/beit/. J Subscribe today to the Clinch Valley Times ...call 762-7671 Have a happy and prosperous New Year/ WE WILL BE OPEN NEW YEAR'S DAY!I We are ready to serve you with great deals in 2013! Our excellent service department is ready to serve you, our valued customers. MORGAN- McCLURE Morgan McClure Castlewood US HWY 58 Castlewood, VA (276) 762-2311 Visit us at www.morganmcclure.com (Castlewood)