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Clinch Valley Times
St. Paul , Virginia
October 6, 2016     Clinch Valley Times
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October 6, 2016

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CLINCH VALLEY TIMES St. Paul, Va. Thursday, October 6, 2016 Page7 About 20 million students attended U.S. colleges and you'll have to pay for that aren't already covered in a meal history. You're eligible to receive a free credit report from~ universities last year, according to the National Center for plan, as well as the costs of books, fees or activities relat- each of the three major credit reporting companies once, Education Statistics. These students may have spent years ed to your courses and any travel or commuting costs, every 12 months; go to for more. in school preparing academically for higher education, but Once you've identified your monthly needs, whatever is information. they may not feel completely ready to handle their left is yours to spend on your wants. It's a good idea to Don't Spend More Than Necessary .j finances. The Virginia Society of Certified Publictrack your spending as you go, to be sure you're on target If you're signed up for meals at the college cafeteria,; Accountants (VSCPA) offers five tips for students who with your budget and to get a sense of where you're don't waste cash buying food elsewhere. In addition,: want to get high marks in managing their money, spending your money, many businesses give discounts to students or sell gently, Take Charge with a Budget Keep a Lid on Credit used books or other supplies. Research all your oppo~( Have you been responsible for your own monthly bud- Fifty-six percent of undergraduates have credit cards, nities to save a few bucks on purchases and make the most" get in the past? Or are you new to being responsible for according to a national Sallie Mae study. Managed prop- of them. ..-' what you spend on food, rent and other expenses? Your erly through controlled spending, credit cards can be an Set Some Aside for Later : ~' first step should be creating a budget that will serve as a important part of building a solid credit history. However, Remember that it's never too early to get into the habi[i roadmap for your spending. It will also help you time your be sure to monitor your balance. You may be surprised by of putting some of your money into a savings account~ expenditures so you can avoid running short on funds at how quickly your purchases add up. To avoid overspend- Doing so can help you afford things like a trip to a sunrtyl the end of the month. Be sure you include all monthly ing, stick to your budget and pay off your balance each location during your break or your account can serve as la! expenses, and for any yearly e~penses, divide the total by month. And before you sign up, be sure to read the fine nest egg for life beyond college. And saving is a habit tha't~ 12 to start paying towards the ]expense each month, print. Look for a card with low or no annual fees and com- will serve you well throughout the years ahead. 0 Don't Overthink It pare offers to find the lowest interest rate. Also, find out Your CPA Can Help ~.~i Making a budget doesn't have to be complicated. It can how long the grace period, the amount of time you have As you begin your independent financial future, be be as simple as figuring out how much you have to spend to pay your balance in full without paying a fmance sure to turn to your local CPA for valuable advice and each month -- which will include money you receive charge, on the credit card is and what you'll be charged information. He or she can help answer all of your f'man= from your parents and from student jobs or other sources for a late payment. Once you begin to use credit, the three cial questions. -- and how much you expect to spend. That will include major credit reporting companies will begin calculating ~ ~.~ things such as rent, if you're not in a dorm, plus any meals your credit score based on factors such as your payment ;~ Buy, sell, notify, employ, through... ,i We are pledged to 762-5177. Excellent commu- the letter and spirit 9-2%3tcg nication skills of Virginia's and essential. Previous HUD's equal Mobile Homes library experience a opportunity hous- for Rent plus. Must possess ing policies, a high school diplo- Virginia's fair F O R R E N T : ma or equivalent. housing law makes mobile homes, An LPRL applica- it illegal to adver- 2BR 2BA; 3BR 1 tion must be sub- tise any preference, 1/2BA. Located in mitted and may be limitation or dis-St. Paul VA obtained at any crimination based References and LPRL branch or at on race, color, reli- deposit. No pets. gion, national off- Call 276-762-7159. under About/Career gin, sex, elderly-8-4-tfncg O p p o r t u n i t i e s ness, familial status or handicap. This Mail or hand deliv- newspaper will notApartments er application form knowingly accept for Rent to LPRL, Attn: advertising for real . Heather Fultz, 124 estate that violates F O R R E N T : Library Road, SW, the fair housing Townhouse style Wise, VA 24293, law. Our readers are apartment 2BR M-F, 11:30am- hereby informed 1BA $300-$425 5:00pm. Deadline that all dwellingsme. Town & 5:00 pm, advertised in this Country Apts. 276- W e d n e s d a y, newspaper are 762-2303 between October 19, 2016. available on an 9am-5pm. ADA/EOE employ- equal opportunity 5-26-ffncg er. basis. For more 10-6-1tcgL information about Help Wanted Virginia's Fair WA N T R O O M - Housing Law or to MATE, female to file a fair housing complaint, call the Part-Time Library move in, do some Virginia Fair Assistant - light housework for Housing Office at Lonesome Pine FREE RENT in (804) 367-8530. Regional Library is Lebanon area. No Toll free call (888) recruiting for a 24 drugs, alcohol or 551-3247. For the hrs/week library pets. Call 276-596- hearing impaired, assistant to be pri- 4492. call (804) 527- madly stationed at10-6-1tpd 4290. the public library in Coebum with occa- Heart of Houses for sional travel A p p a 1 a c h i a Sale betweenlocal Tourism Authority librarylocations,seeks part time H O U S E F O R Must be able to Administrative SALE, Castlewood. work a flexible Assistant to per- Mew Road, schedule including form general office Longview Heights, days, evenings, and brick, 3BR, 1 weekends. The 1/2BA. 2 car ideal candidate will garage, full base- have excellent cus- ment, fenced back tomer service and yard. Serious inquiries only. Call computer skills. tasks and account- Absolute Auction ing functions.On-Site & Online Excellent written 118+/- Total Acres, and oral communi- Residence & cations, PC, general Personal Property office, time man- Oct 15 10 AM agement skills andBlueRidgeLandAn ability to work 540- independently 239-2585 UC-Blue required. Submit Ridge Land & cover letter and Auction Co., Inc Lic #2906000294 resume in person at 3028 4th Avenue, M E D I C A L St. Paul VA, via B I L L I N G mail to PC Box T R A I N E E S 186, St. Paul VA NEEDED! Train to 24283, or email tobecome a Medical info@heartofap- Office Assistant! p a 1 a c h i a. c o m. NO EXPERIENCE Resumes accepted N E E D E D ! through October Training & Job 21, 2016. Placement avail- 10-6-1tpd able at CTI! HS Diploma/GED & Miscellaneous Computer needed.' for Sale 1-888-424-9419 FOR SALE: Hoover electric wheelchair. Call 794-7352. 10-6-1tpd YARD SALE at Church Hill Church, Hansonville October 6-7-8. Estate items donat- ed by Linda Harris Estate. Olds beds, old farm tools, medical equipment. 10-6-1tpd Ad Network Virginia Farmland Stonebriar Accepting Appucanon Support Your Local Businesses Through The Year. Remember: They support you! Newly renorated 2 bedroom units Rent based on income Smoke free property U li es paid CUMBERLAND MOUNTAIN COMMUNITY SERVICES BOARD SERVING INDIVIDUALS WITH MENTAt HEAL TH~ INTEU.EcruAL DISAB/tL!TIES AND SUBSTANCE USE DISORDERS CMCSB is currently accepting applications for various positions within our organization, Qualifications for these positions vary, depending upon the posted position, and may include High School Diploma, Associate Degree, Bachelor's Degree, Master's Degree and licensed positions, Please visit our website at for more information on our organization, and to view details of employment opportunities. CMCSB is an Equal Opportunity Employer. ! CDL TRAINING FOR LOCAL/OTR DRIVERS! $40,000-$50,000 1ST Year! 4-wks or 10 Weekends for CDL. Veterans in Demand! Richmond/Frederic ksburg 800-243- 1 6 0 0 ; Lynchburg/Roanok e 800-614-6500; F r o n t Royal/Winchester 800-454-1400 67 Driver Trainees needed! No CDL? No Problem-We Train. Be Job ready in as little as 20 days! Earn Great pay/benefits ! 1- 800-874-7131 TRAIN AT HOME FOR A CAREER IN HOSPITALI- TY! Hotels, Resorts & Cruise Industry need Staff! ONLINE TRAIN- ING CAN GET VIRGINIA EMPLOYMENT COMMISSION REPORT The following jobs are available through the Norton Virginia Employment Commission: #909591 - Dozer Operator -Appalachia #909494- Roof Bolt Machine Operator - Dickenson County #909319 - Office Manager - Clintwood #909198 - Cook - Coebum #9 10515- Utility Worker - Kingsport #909523- Cashier - Coebum #909684- Rock Truck Driver - Appalachia #909244 - Finish Carpenter - Wise #909599- Frontend Loader Operator- Appalachia #909629- Shovel Operator- Appalachia #909649 - Drill Operator -Appalachia #Highwall Miner Utility Person - Must be able to productively and safely operate multi- ple pieces of equipment to include a highwall miner (HWM), forklift, loader, and perform pad labor functions on a highwall miner oper- ation. Applicant must also be able to perform routine maintenance and servicing and have at least 6 months experience doing this type of work within the last 3 years. Current Virginia Surface miner certification required. For more details on these and other current job orders, visit the Virginia Workforce Connection website,, come by the Norton local office of the Virginia Employment Commission at 1725 Park Avenue, SW, send an email to Norton@, or call 276-679-9413 YOU JOB READY! Externship & Job placement if quali- fied! 1-888-424- 9413 LAKEFRONT - A COUPLE ACRES of tall hardwood forest. Exceptional homesite fronting quiet private 22- acre lake in central Virginia. $140,018. I'll finance. 540- 487-0480 BEDFORD COUNTY near Smith Mountain Lake. 9-acre rolling homesite. Part of abandoned golf course. Own your private par 4. $69,900. I'll finance. 540-294- 3826. DIVORCE Uncontested, $395 + $86 court cost: No court appear. ance. Estimated completion time twenty-one days~ .Telephone inquiries welcome - no obli- gation. Hilton Oliver, Attorneyi' 757-490-0126. Se Habla Espafiol. in the Clinch Valley Times! NOTICE OF PUBLIC AUCTION, THE RUSSELL COUNTY SCHOOL BOARD WILL OFFER AT PUBLIC AUCTION THE FOLLOWING ITEMS ON SATURDAY, OCTOBER 8, 2016 AT 9:00 A.M. ON THE PREMISES OF THE RUSSELL COUNTY SCHOOL BUS GARAGE, LOCATED AT 618 BIG CEDAR CREEK ROAD IN LEBANON, VA: ~ SCHOOL BUSES - CARS PICK-UP TRUCK TRAILER- PIANO CHAIRS, DESKS, TABLES, BOOKCASES AND FILE CABINETS OTHER MISCELLANEOUS SCHOOL AND OFFICE FURNITURE CHILDREN'S PLAY STRUCTURES BALL PITS, STOVES, ETC. ALL ITEMS WILL BE SOLD AS IS FOR CASH ONLY. ALL ITEMS MUST BE REMOVED FROM THE PREMISES ON THE DAY OF THE SALE. Emergency Services Director Position Mountain Empire Older Citizens, Inc. (MEOC) has an immediate job opening for an Emergency Services Director. ] PositiOn coordinates and supervises MEOC's Emergency Services Program, Fan Care, Senior Farmers Market Nutrition Program, and Pharmacy Connect, plus serves as liaison with MEOC's legal services subcontractor. Responsibilities include developing fundraising to keep up with ever-increasing need in the Emergency Services Program, as well as promoting public awareness of crisis needs of older persons. Successful candidate will be energetic and enthusiastic with excellent communication skills to include public speaking as well as writing press releases, grants, fundraiaing appeals and reports to funding sources. Ability to lead and motivate people, strong organizational skills and computer proficiency are musts. Bachelor's degree desired. = Excellent benefits. Salary negotiable. Position ia open until filled. Must complete online application and upload resume at v Mountain Empire Older Citizens, Inc. is an equal opportunity employer. EEO-VET-AA-Older Workers.