Support Battle for Broad Street Blood Drive

As a community bank, one of the things we hold dear is community involvement. We encourage our employees to become involved and volunteer their time. We also believe that we should support good causes as a bank.

That’s why our Friendly Bremen Banking Center is again partnering with the American Red Cross to ask you to make the right play and donate blood!

Each year one of Licking County’s biggest rivalry games takes place on the football field. The “Battle for Broad Street” is the pigskin competition between the Licking Heights Hornets and the Watkins Memorial Warriors. While we have no say over what happens on the football field, we like to carry the competition over to the blood drive.

When you give blood that day, declare your support for one of the schools. The school with the most donors will receive a $250 donation from the Friendly Bremen Banking Center to their booster club!

The blood drive will be held on October 23 from 11 a.m. to 5 p.m. at the Friendly Bremen Banking Center in Pataskala (700 Corylus Dr., Pataskala).

To schedule an appointment, visit www.redcrossblood.org or call 1-800-RED CROSS. You can also schedule an appointment by calling our office at 740.964.5161.

In the Know: Fire Prevention

This week marks a national observance that can literally save lives. National Fire Prevention Week is the longest running public health and safety observance on record and it runs through Saturday.

In 2011, American fire departments responded to 370,000 home structure fires that caused 13,910 civilian injuries, 2,520 civilian deaths and $6.9 billion in direct damage. Cooking remains the leading cause of home fires, followed by heating equipment.

As winter approaches, home heating and cooking become more prominent concerns for most households, making it a perfect time to assess risks, prevention and escape plans, according to the National Fire Protection Association (NFPA)

The 2014 Fire Prevention Week theme is “Smoke Alarms Save Lives: Test Yours Every Month.” Did you know that a working smoke alarm will cut your risk of dying in a home fire in half? Whether hardwired or battery operated, be sure to test your alarms twice a year (monthly is better) to ensure they are fully operational. When smoke alarms fail to operate, it is usually because batteries are missing, disconnected, or dead.

The NFPA recommends practicing safe cooking as two of every five home fires start in the kitchen. Fires that start with ignition of food or other cooking materials top the list of fire hazards in the kitchen as well as unattended cooking.

In other parts of the home, staying warm in the cold weather months can turn deadly if fire breaks out. Wood stoves and space heaters are common culprits in winter fires. These items placed too close to things that can burn including bedding, upholstered furniture and clothing can be highly dangerous. Failure to clean creosote from chimneys is another common fire hazard.

Smoking and unattended candles in the home are especially dangerous, causing millions of dollars in property damage and hundreds of deaths every year.

Finally, the NFPA recommends having an escape plan for every room of the house. Practice the plan with all family members and focus on improving escape times.

Want to teach your kids about fire safety? The NFPA has a great page for kids where they can play games and learn about fire prevention. Click here to visit their page!  Want to learn more about fire safety? Click on the images below to read safety tips for preventing home fires.

VCNB sponsors financial literacy program in local schools

AT VCNB we believe that financial literacy is one of the most important tools that we can give a child. That’s why we offer a program called Financial U, provided by EverFi, to area high schools. Financial U is a web-based platform that teaches students practical skills to help them use and manage money as they grow into young adulthood.

Financial U combines the latest technology like video, animations, 3-D gaming, avatars, and social networking to bring complex financial concepts to life for young people. Topics covered include credit score, insurance, credit cards, budgeting, taxes, investing, savings, 401Ks and mortgages.

Teens embrace financial education through Financial U because it combines learning with technology.

Teens embrace financial education through Financial U because it combines learning with technology.

Students are able to apply their knowledge in a virtual environment where they can weigh the consequences of their choices and learn to make good decisions. Assessment data helps the teacher determine where additional classroom learning is necessary.

Essentially, Financial U makes money and finances fun while providing a rich learning experience.

VCNB Marketing Director Audra Johnson said that VCNB offers Financial U to local schools to help shape the next generation of youth into savvy consumers. ”Financial literacy is of critical importance to today’s youth. It teaches them life skills and better prepares them for their future responsibilities. We want the next generation to be savvy consumers and to have the skills to manage their money,” Johnson explained. “Our schools are the perfect access point to reach the young generation Financial U, being a web based platform, is the perfect program to do so,” she said.

Johnson also pointed out that Ohio law now requires financial literacy education at a time when school districts are struggling to stretch their classroom dollars to provide pupils the best quality education. Sponsoring Financial U helps to bridge that gap for school districts.

At this time, VCNB sponsors Financial U in nine schools including Logan, Berne Union, Southeastern, Chillicothe, Vinton County, Canal Winchester, Watkins Memorial, Fairfield Union and Teays Valley. There are plans to expand into additional school districts.

Do your kids understand how to manage their finances? Are they prepared for the financial responsibility that will come after high school graduation? Would you like to see Financial U offered in your teen’s high school? Tell us what you think in the comments section!

 

 

Coloring Contest Ends Soon!

Coloring Contest 2014

There are still a few days left to submit your child’s entry to the VCNB Fall Coloring Contest. Just print this coloring sheet or pick up a copy from your local branch. Then turn in their finished entry to your local VCNB office. Be sure to have your child write their name and phone number on the back so we know how to contact them if they win! A prize will be awarded at each VCNB Office. Hurry though! Contest entries are due by September 30, 2014.

Fall Means Fun For Everyone

Fall is almost here, bringing with it cooler temperatures, brilliant fall leaves and an open invitation to go outside and enjoy Mother Nature. Fall also provides ample opportunity to have fun with your significant other or entire family without breaking the bank.

Central and Southern Ohio are fortunate to have miles of walking and hiking trails in state and metro parks for people of all skill levels to enjoy. This is a free activity that’s good for your health and a great opportunity to enjoy the foliage and fresh air.

playground kidsIf you have little ones, a trip to the park is always a great way to pass a Saturday afternoon. Pack a picnic and turn the kids loose on the playground equipment. While you’re outside, if it’s a windy day, remember that kites aren’t just for spring. Fall winds provide a perfect opportunity to fly a kite. An inexpensive department store kite and an open area on a windy day can provide entertainment for kids of all ages.

If indoor activities are more your speed, think about creative ways to enjoy being inside. One great way to do that with kids is to camp inside. Whether you have a real tent or just blankets to drape over chairs, the kids will love their new tent or fort or whatever you choose to call it. Make it really special by baking cookies, playing games or watching a movie the entire family will enjoy.

Another fun way to enjoy fall indoors is to make a pot of chili and invite friends over to watch the big game. Set up a chili bar with fun toppings and ask your guests to bring a dessert to share.

Fall is great time to get out and play or to cozy up indoors without spending a lot of cash. Leave a comment and tell us your favorite fall activity!

 

 

Bremen, Chillicothe to host final 2014 Shred Days

Our last two Shred Days of the year will be held this month! This free service is meant to help our customers safely dispose of important documents that shouldn’t fall into the wrong hands. We hold Shred Days in different locations each year.

Because identity thieves often zero in on the things people throw away, tossing the wrong item in the trash can jeopardize a person’s identity and their future. One way to safeguard your privacy is to shred paper and plastic documents with information you don’t want someone else to access. That is why we offer Shred Days!

Documents you definitely want to shred include anything with a signature, account number, social security number, legal information or medical information. Examples might include:

Credit card offers
Tax information
Old photo Ids
ATM and credit card receipts
Statements and bills for credit cards, utilities and medical treatments.
Bank statements and cancelled checks.
Check stubs Investment statements
Other important personal documents

 

Upcoming Shred Days will be held:

Sept. 20    Bremen Banking Center in Bremen                                  10 a.m. to noon

Sept. 27    First Capital Enterprises (505 E. 7th St., Chillicothe)        10 a.m. to noon.

 

We will gladly take up to five boxes per customer at each event. The box limit exists to prevent long lines and to ensure that we do not exceed truck limitations. We look forward to seeing you at Shred Days this month!

 

Fight Procrastination – A Day Early

Tomorrow is “Fight Procrastination Day” and in the spirit of fighting procrastination, we decided to write about it a day early. There is an apt saying that compares procrastination to a credit card: it’s a lot of fun until you get the bill.

While procrastination can cause minor inconveniences in a person’s life, it can also be extremely damaging. For example, putting off a trip to the grocery store may inconvenience you by depriving you of milk for your morning cereal. Habitually paying bills late can leave you with a fistful of fees and a damaged credit score.

Every human being procrastinates sometimes. But for those habitual offenders or for those just trying to work around small fits of procrastination, we have some ideas. However, before you start changing your ways, it’s important to identify the real problems. Most people procrastinate for a few basic reasons:

Lack of time – They try to pack too much activity into too little time.

Fatigue – They are too tired to focus or to care about the work ahead.

Lack of organization – They either don’t have the tools needed to work on a project or are so disorganized they can’t find them

Distractions – The chatty co-worker, emails and social media provide a steady of flow of distractions and excuses to start that project later.

Fear – For some it is fear of failure and for others it is fear of success. Sadly, the fear of doing something wrong or looking silly holds back many good people.

Feeling overwhelmed –All of these factors add up very quickly to make a person feel overwhelmed and helpless.

Does any of this sound familiar? If so, read on for suggestions to help control the problems that cause procrastination.

  • Start with a strategically written list. Prioritize tasks, pairing difficult jobs with fun ones. For every difficult or unattractive task you complete, allow yourself to do something you will enjoy. Taking it a step further, do the work you hate the most first thing so that you have the worst part of your day behind you.
  • Have a large project or task that seems daunting? Break it down into manageable pieces. An old adage tells us to eat an elephant one bite at a time. Don’t hesitate to find ways to break a project into small, manageable pieces. It will give you a sense of accomplishment and prevent inertia from setting in.
  • Identify and prevent distractions. For example, schedule times throughout the day to check email. Either avoid or limit your time surfing the web, etc.
  • Use technology in your favor. From apps to track your to-do list to websites for project management, there is free technology available to help. You can even use online tools that temporarily block certain websites for a set amount of time.
  • Set a timer on your phone or computer to help you stay on schedule. If you are encouraged by rewards, allow yourself to earn a break every time you meet a deadline.
  • Seek shortcuts to make your work easier or more enjoyable. The fact a project has always been done a certain way doesn’t mean you have to do it that way forever. Look for ways to streamline workflow and make it go more quickly or smoothly (just check with your boss first if you are making changes at work).
  • Make lifestyle changes so that you have the energy and stamina to be alert and productive. Get plenty of rest, eat well and exercise to give you more energy and a more positive outlook!
  • Keep your environment clean and organized. There’s nothing more discouraging or distracting than piles of dishes in the kitchen or an avalanche of papers on your desk. Give everything a place and put things away as soon as you are done with them.
  • Don’t be overwhelmed or fearful of the tasks at hand. Just keep your eye on the prize and remember that the best way to complete a task is to get started!

Are there tips here that can help you? Try them today!

 

Back to School Tips for You

Back to school time is upon us and that means another nine months of rushing and stressing to make sure homework is done and everyone is at their respective school and work on time. At VCNB, we love easy tips to improve our quality of life and to keep things running smoothly.

It seems the key to starting the school year off on the right foot may lie in organization.

You’ve invested in a lot of supplies and clothes and shoes for your kids so you don’t want them to be lost. We recommend that you label your child’s possessions. Put their name in or on their lunchbox, book bag, binders, band instrument cases – even their jackets and gym clothes. There’s nothing worse than replacing a lost lunchbox or trying to track down a new book bag.

Before you ever send them out the door, think about how you can streamline your morning routine and what you can accomplish at night instead. One way to get prepared the night before is by packing lunches and laying out clothes. Also make sure all the homework is complete and forms from school are signed and ready to return. You can even set the table for breakfast and put out any non-perishable food items you will need in the morning.

Speaking of the night before, go to bed earlier than normal during the school year. It’s easier for kiddos to learn and to behave well when they are rested.

Organization also helps at the end of the day when everyone is tired from a long day and ready for some down time. Remember how hungry you were after school? Have a snack ready for them in the car, at home or at the sitter’s house to hold them over till dinner. A simple snack will improve their mood and prevent you from swinging into a drive thru just to keep them happy. Also work with your kids to finish homework and complete other tasks to make the morning run smoothly.

One last thing. Teach your child a password that only you and they know. That way, if your child is approached by a stranger claiming that mom or dad sent them, they will know it’s a trick if the stranger doesn’t have the password.

Comment if you have tips for making the school year run smoothly!