It’s a necessary purchase and one of the most expensive line items in most household budgets. What is it?
Everyone has to eat and it can be costly but there are some ways to eat healthy and for less simply by making a few adjustments to eat with the seasons.
Eat what’s in season. It typically costs less, isn’t shipped as far and tastes better. For example, melons, berries, cucumbers, zucchini, sweet corn, green beans, tomatoes, cherries and a host of other fruits and vegetables are in season during the summer. In the fall, look for pears, apples, broccoli, sweet potatoes, pumpkins, peppers and eggplant. Each season offers different bounty and new opportunities to switch up your diet.
Go for fresh. Those prepackaged salads are quick and look good but can go from attractive to limp or slimy quickly. Fresh romaine, head lettuce and spinach make a great salad and will last longer. Pre-cut veggies and melons are convenient but cost far more per pound that cutting melon or celery for yourself.
Go for frozen. Frozen fruits and veggies are typically picked when ripe and then flash frozen. That means frozen produce is a good substitute for fresh. However, beware the frozen prepared meals which often are packed with sodium and sugar and cost more for their convenience.
Eat (and take care of) what you have. How many times have you loaded up your cart with tons of fresh produce only for it to rot in the fridge? Make sure you’re either eating what you buy or learn what can be frozen for later. For example, grapes are an amazing treat when frozen. Even odds and ends of leftover vegetables make a great base for soups or omelets. Fruits go well in smoothies or baked goods.
Go meatless. Meatless Monday has long been a popular concept and summer is a great time to try that out. With an abundance of fresh from the garden produce, there’s a world of recipes and meal combinations to entertain your taste buds.
Preserve it for later. Learn what kind of produce freezes well. Then you can snatch up deals while the selection is abundant and enjoy the season’s bounty when the price is higher again later.
Shop local. By shopping farmers markets or farm stands, you’re getting seasonal foods and supporting a business in your community.
How do you cut grocery costs and still eat healthy? Tell us in the comments. We would love to hear from you!
If you have a teenager in the house that means you have a child who is a few short years from being out on their own. What skills do you want them to have when they go off to school or to start a new career?
Chances are that good money management skills are on that list.
Whether they have a part time job or just an allowance, odds are your teens have some money to manage. Before they are expected to manage large sums, it’s best they learn to manage small amounts too!
That’s why VCNB offers a Student Checking account. This account is designed to help teens learn how to manage money, keep a debit card safe and learn some financial independence.
Here are some things to know.
This account is for teens ages 14 to 17 and requires that a parent or guardian be a joint owner of the account. There is no minimum balance requirement or fees for electronic statements. The account comes with a free standard debit card.
Like all VCNB accounts, Student Checking gives the account holder access to account alerts, online and mobile banking so that your teen can learn to successfully keep track of and spend their money. They can also access over 32,000 surcharge-free ATMS nationwide through the MoneyPass® network.
Click this link to read more about this account or to get started by opening a new Student Checking account online.
It is rare to meet someone who is the sixth generation working in a family business. Yet, that’s the case for Tom Will Oyer whose family founded Vinton County National Bank in 1867. He is aware of how tightly intertwined the Will family history is with the bank’s story and the role the bank has played in local history all these years.
“The bank has always been a part of my life in some way. As a kid I remember my grandfather taking us to lunch in McArthur there in the basement of the bank and I remember knowing that he was important in the community. When I got older, I was teller a couple of summers but it was never assumed that I would join the family business. No one ever made me feel pressured to come here but the option was available,” he said.
In fact, Tom began to pursue an entirely different career path in the forestry industry. He was studying Forestry at West Virginia University and working a summer internship at a local company when he realized that it may not be the future he wanted for himself. So he switched gears and headed off to Ohio State University to study Economics.
With a degree in hand he began his career doing management and outside sales for Sherwin Williams Automotive Finishes in Dayton. Here he went to night school for his MBA at University of Dayton, met the woman he would marry, and decided to come home to contribute to the family business.
“When I decided to come here, I knew that it couldn’t be just a job. It would be my career and not a stepping stone to somewhere else. I owe a lot to the bank and it’s been wonderful being here and finding my way,” he explained.
Tom’s first step at the bank was in 2013 as part of the Management Trainee program. His grandfather Bob Will created this program more than sixty years ago to attract talented college graduates to the bank. The program gives participants opportunity to experience several departments and has produced many bank leaders over the decades
It was through this training that Tom found his love for lending and for helping customers achieve their dreams. “When you are lending money, you’re helping a customer reach their goals. Whether it is a first car, a new home, or starting a business, it is a great feeling when you’re able to help a neighbor,” he said.
He spent a short time as Branch Operations Manager for the bank before taking over as Head of Consumer Lending. This position gave him the opportunity to manage and develop lenders. His mother, Emily Will Oyer, is a retired Head of Retail who told him that he would truly enjoy his work when he started to see employees grow because of the efforts he has made in helping them improve and develop. “I have also enjoyed my role as a manager, helping to guide employees and have a positive impact so they can blossom into the employee you know they can be. This is one of the true highlights of my job.”
It was under Tom’s leadership that the bank created the Personal Banker position which empowers bankers and broadens their ability to help customers with most of their deposit account and lending needs. He helped to develop new processes and training for this position which reached about forty employees in the first year. “We had to identify what was working and not working and even go back to the drawing board a couple of times to make sure we got it all right. In doing so, we went from about twenty lenders to sixty and we saw significant growth because of it,” he said.
Last year, VCNB President Mark Erslan approached Tom about a new opportunity on the horizon. Head of Commercial Lending Darrell Boggs had announced his intent to retire and Mark asked Tom if he would be interested in taking the reins. “Obviously, I don’t have a commercial lending background but I do have the lending background and the management background. I understand the processes and that it’s my job to facilitate the process to help lenders do what they do best,” he said.
He worked closely with Darrell to achieve a smooth transition and to prepare for the challenge ahead.
Mark commended Tom for the contributions he has made to the bank during his career here. “Tom has served the bank in multiple positions including the Head of Consumer Lending and Strategic Planning Committee Co-Chair. He’s helped foster changes that have resulted in bank growth and improved customer and employee experiences. We look forward to his continued contribution to the bank’s success, in this new role.”
While Tom takes pride in his family business, he is modest about his own accomplishments “There’s definitely pride in the Will family history with the bank and how we’ve served the community for so many years. It’s a wonderful thing, a rare thing but I think we all have a kind of built in modesty. We’re not flashy people, we don’t call attention to ourselves, we live pretty modestly and are grateful to have good careers in southern Ohio, serving our neighbors and employees,” he said.
He expressed gratitude for many people who helped to shape his views on community banking and who have helped him along the way. “Mark Erslan has been critical to my success. He’s been my mentor from day one and I’m grateful to him. My vision of the bank and perception of where it’s been and where it’s going have been influenced by my grandfather, my mother and my Uncle Tom Will who is Chairman of the Board.”
Tom grew up in Ross County. He and his wife Andrea live in the Laurelville area with their children ages 6, 5, 2 and newborn.
Living a healthy life is easier when you live in a community that promotes healthy living. In Vinton County, there’s an effort underway to make it easier for residents to live safely and to embrace healthy choices. The Vinton County Creating Healthy Communities coalition (CHC) addresses healthy eating and active living through projects that will potentially have far reaching and long lasting effects.
The coalition exists thanks to a five year grant received by the Vinton County Health Department. Spearheaded by CHC Coordinator Jeri Ann Bentley, the coalition is made up of citizens, organizations and government offices that have partnered to provide everything from input to boots-on-the-ground workers. While the CHC has accomplished a lot in their first year, there is much on the agenda for 2021 and beyond.
The Coalition is divided into two subcommittees, allowing for volunteers to help with the projects they find most inspiring. The Healthy Eating Committee has been instrumental in creating a larger, more robust system of farmer’s markets in Vinton County. They have also created a healthy vending project and started a community garden this year. The Active Living Committee is working on a Complete Streets policy for McArthur, bike infrastructure and a major playground renovation project at Wyman Park.
A Vinton County native, Bentley is passionate about building a healthier community for her own family and neighbors as well as for generations to come. “A healthy community gives every person, regardless of age, ability or socioeconomic background the same opportunities to enjoy a good life, to eat well, to move about and to access all the resources the community offers just like everyone else,” she said.
Thanks to the CHC and a partnership with Vinton Industries, farmers markets can be found every Saturday morning in McArthur, Hamden and Wilkesville. Fresh produce, honey, Amish baked goods, handmade items, plants and flowers are among the things shoppers may find throughout the season
Vinton Industries is also spearheading the community garden where a $10 annual fee gives gardeners access to a plot of land as well as access to tools, Seven Dust and watering. Their program to offer healthy vending services and education for local businesses has been successful too. The goal is to offer a selection of tasty, healthier snacks that employees enjoy as much as traditional vending machine faire.
“I can’t say enough about Vinton Industries and what it has meant to have their support. They just took all these healthy eating initiatives and ran with them. It has really freed up my time and resources to focus on other things,” she said.
For example, she is working on a Complete Streets policy, written with support from McArthur Village Council. This will help village leaders plan for future projects that make the streets safer for pedestrians, bicyclists and people with disabilities. A walking audit last fall revealed many streets with broken sidewalks, missing curb-cuts and no sidewalks that are treacherous for pedestrians. “We aren’t saying the town needs to run out and put in all new sidewalks but we are helping them see places where new sidewalks are needed. We found places where there’s no curb cut so if you’re in a wheelchair you have no choice but to backtrack and find a way off the sidewalk so you can go out into the street,” she said. “By identifying the issues, we are making a sort of wish list that will allow us to make positive changes in the future.”
Pedestrian traffic before and after school will be addressed in the future too. “We’ve all seen how dangerous it is for kids just trying to get to school or trying to cross after school to get from the high school to McDonalds. There are simple, low cost solutions that can make it safer for our kids to cross the street when there’s a lot of traffic.”
The biggest project that Bentley and the CHC have taken on is a major playground renovation at Wyman Park. The aging playground equipment is potentially dangerous for youngsters. There are few opportunities for kids with disabilities to enjoy the playground and very small tots may struggle to play safely here.
The two existing large structures will be replaced with new ones. There will also be a number of smaller, ground level pieces of equipment like a fire engine and a caterpillar for imaginative play. Swings designed to hold children with disabilities, a sign language board, a tic-tac-toe board, a twister beam and metal park benches are part of the plan as well. A new rubberized surface is planned to be installed for enhanced safety.
CHC has received grant funding and some private donations have been promised to the Wyman Park Board but more funds are needed to complete the project. The Wyman Park Board has applied for some additional grants and is appealing to potential donors to help fund this project as well. Donors will be publically recognized for their generous support.
Meanwhile, the CHC will host Wyman Park Appreciation Day on June 26 from 4 p.m. until dark to raise funds for the playground project while celebrating the park and its importance to the community. Scheduled events are not yet set in stone but the group plans to have an adult cornhole tournament, vendor and craft fair, face painting, inflatable slide, food, live music, Kona Ice, and much more! This free community event will have fun activities for all ages to enjoy. Registration forms for the cornhole tournament and vendor fair will be available soon.
“We take pride in where we live and love our community. We just want to make it better for everyone, safer and easier for everyone to make good choices for themselves and their families. We’ve accomplished a lot in the last year but we’re excited about the future and all that we can do to improve this place we call home.”
Learn more about Vinton County Creating Healthy Communities and their upcoming Park Appreciation Day by following them on Facebook. Click to enlarge each image below for cornhole tournament registration, vendor and craft fair registration and for a flier about Wyman Park Appreciation Day!
Want to donate to the playground project or get involved in the other CHC projects? Contact Bentley at firstname.lastname@example.org or at 740.596.5233.
The VCNB Financial Family is happy to welcome Cindy Moore to our Friendly Bremen Banking Center. Moore is a Business Banker who brings to the job the enthusiasm and experience necessary to help businesses with all their banking needs.
She has actually worked in the banking world since 1991, serving in a number of positions including branch management, consumer lending, mortgage lending and commercial lending. While she has vast experience in banking, Moore’s expertise may actually be in understanding customers and helping with their needs. “I really enjoy learning about our customers, their business and being able to assist them with all their lending needs,” she said.
She is a graduate of the Blythe School of Banking, American Bankers Association Bank Management School and American Bankers Association School of Consumer Lending.
When asked why she chose to join the VCNB family, Moore referenced the bank’s core values and how they relate to the community and customers. “I chose to come work for VCNB because we pride ourselves in being a community centered organization. I appreciate our core values: integrity, leadership, community focus, progress and our relationship with our customers,” she said.
Moore lives in Lancaster with her husband Eric and they have two grown children and three grandchildren. In her free time, she enjoys hiking, swimming, gardening and being outdoors.
Cindy Moore is excited to serve local businesses and help them reach their banking goals. Find her at our Friendly Bremen Banking Center on East Main Street in Lancaster or call her at 740.687.3920.
Vinton County National Bank and Jackson County Banking Center are pleased to welcome Amanda Crabtree to the bank family. Crabtree is a veteran community banker and active volunteer in Jackson County.
Many area residents will remember her working in local community banking for sixteen years prior to being named General Manager at Total Media where she helped consolidate offices and improve efficiencies while rebranding and adding new services for customers. She recently joined the VCNB Financial Family to work from the Jackson County Banking Center as a Senior Business Banker.
“I’m excited to be part of the VCNB team. The people you work with are everything and VCNB has the best of the best. Jackson County Banking Center has really made me feel at home and it has been an easy transition as I have worked with most of my teammates while in my previous jobs at other banks,” she explained. “You won’t find a friendlier group or one that’s more dedicated to customer service than the folks at VCNB and I feel fortunate to be able to work with them every day.”
The Jackson resident is an active community volunteer. She is President Elect of Jackson Rotary Club, Treasurer of Support Our Soccer, Secretary of Apple City Players, Vice President of Southern Hills Arts Council and Vice President of Lillian Jones Museum. She is also a board member of Jackson County Airport Authority, Jackson Area Chamber of Commerce and Jackson County Economic Development Partnership.
She is a graduate of Jackson High School and Ohio Northern University where she majored in Public Relations and graduated with honors. Crabtree and her husband HD have four sons, two of whom are grown and living in Bexley. Their younger sons are teenagers who reside at home. In their free time, she and HD enjoy hiking, golf and travel.
Crabtree said her passion for local involvement stems from her desire to see her community and the entire region succeed. “I’m a true believer that when one of us succeeds we all succeed. This truth is evident in our communities. When our local businesses are successful, it helps our local economy flourish. I love Southern Ohio and I love working with new and established businesses in the area to help them achieve their goals for success.”
Senior Business Banker Amanda Crabtree can be found at Jackson County Banking Center at 471 McCarty Lane in Jackson. Call 740.577.3562 to speak with her or to make an appointment.
Have you ever wondered what a Health Savings Account is all about or if it’s for you? If you have a high deductible health insurance plan, it may be a good choice for you. Simply put, this is a savings account where the money you deposit is tax free. Those funds can only be used to pay for qualifying medical expenses.
To contribute to an HSA, you must first be covered under a high deductible health insurance plan. For 2021, the health plan must have a deductible of at least $1,400 for self-only coverage and $2,800 for family coverage.
The IRS annually adjusts contribution limits, health plan minimum deductibles and limits on out-of-pocket medical expenses. Contributions of up to $3,600 for self-only coverage and $7,200 for family coverage can be made in 2021. If you’re 55 or older at the end of the year, you can put in an extra $1,000 in catch up contributions. You pay no taxes on the money you save in this account.
With a VCNB HSA, you will receive a debit card as well as a complimentary first box of checks. Accept electronic statements and we will waive the $3 monthly fee. Please note, the account owner is responsible for determining eligibility. It’s a good idea to consult your tax advisor before opening an account.
Being a small business owner is a tough job! That’s why we feature a different small business in our Small Business Spotlight every month! Today we visit Downtown Treatery, a bright and happy donut shop in Jackson where the owners hope to make you smile.
There aren’t many times in life that you will be encouraged to play with your food but that’s exactly what happens at Downtown Treatery. The Jackson donut shop opened just before the pandemic began and has provided much needed smiles for a growing legion of customers.
That’s partly because this isn’t just any ordinary donut shop. Step inside the brightly decorated storefront and you will be greeted by friendly staff, a delicious aroma and uplifting messages on the wall. The positive messages and whimsical décor including a bicycle table are designed to make every customer want to linger.
“Our donuts are great but we want you to come for the experience too,” Nicole Brennen said. She and her husband Brandon developed their unique format that allows customers to customize their orders with an array of icings, glazes and toppings. Essentially, customers can make their donut unique as fun to create as they are to eat.
Customers can also try the Downtown Treatery’s signature donuts with names like Oreo that’s topped with crushed Oreo cookies, the Piglet which features bacon and Extreme Butter Cup which is a chocolate and peanut butter lover’s dream. Their Michael’s Bubble is modeled off a popular treat from another Jackson area business – Michael’s Ice Cream where their daily fresh roasted peanuts top off their signature bubble sundae. These nuts are a prominent part of the Michael’s donut.
Other popular toppings include sprinkles, toasted coconut, Fruity Pebbles and chocolate chips. Icings include flavors like maple, strawberry, cream cheese and lemon while the assorted drizzles include marshmallow, peanut butter, raspberry and classic chocolate.
They also have other menu items like cream horns, brownies, cinnamon rolls, mini pies and beverages.
Another huge piece of the business is custom orders. “We do custom orders for any event you can imagine. We do weddings, birthday parties, bridal showers, retirement parties, gender reveal parties. You name it and we’ve done it,” she said.
“We chose bright, happy colors that kids like because we want to be family friendly and we want to people to smile when they come in. Everyone says just coming in brings a smile and we want them to be happy, to enjoy some donuts and to remember that life is pretty good. It’s not so bad. There’s a lot to smile about,” Nicole said.
Nicole and Brandon sweetly tag teamed the telling of the story that led them to want to open this shop. “It was all her idea. She had talked about it for a while. We had visited something similar on vacation years ago and one day she started talking to me about buildings,” he laughed.
“I knew it was something we should do and I just kept waiting for the right time. Everyone loves donuts, they make people happy. I believe that God has brought us to here to help others, to bring joy to others. I’m grateful to Him for that,” Nicole explained as she discussed how special and decorated donuts have become all the rage for celebrations in the area. “Everyone loves it and it’s another way we can bring a smile!”
When they found the building that would become Downtown Treatery, it had been stripped down to the studs, providing a blank canvas to create the space they need. They hung curtains over the front window during the renovation, waiting until opening day for the big reveal to the community. “When I took down the curtains on the first day, there was a line stretched down the street,” she recalled. “It was incredible the way people showed up for us. I couldn’t believe it!”
That was January 25, 2020. Just six weeks later, the pandemic changed the face of life in Ohio and forced the couple to adjust their business model. “We had to adapt if we wanted to survive and we wanted to survive. Failure wasn’t an option so we started offering curbside pickup. You could order and we would bring your donuts right out to the car. If you’re a small business, you have to get creative.”
Nicole knows something about creativity. As a sports mom, wife, dental practitioner and small business owner she’s always had to balance, juggle and hustle but has done so more than ever this last year. “If it were easy, everyone would do it. I’m no stranger to hard work and I really love the challenge of making things work, finding ways around obstacles and reaching for my dreams,” she said.
Their dining room is open and there’s plenty of room for guests to social distance. Prior to the pandemic, they had welcomed parties of kids in to decorate their own donuts. “We loved doing that and can’t wait to do it again someday,” she said.
While Downtown Treatery is a special place for locals to enjoy, they also have a number of out-of-town guests including some who stop in while visiting town. “Jackson is such a wonderful place. Whether you live here or are just visiting, we welcome everyone to stop by for a donut and smile.”
Downtown Treatery is located at 229 Broadway Street in Jackson. Find hours, menu and more at their Facebook page!
When Darrell Boggs took his first job in banking it was to earn some cash while he studied accounting at the University of Rio Grande. In fact, he never planned for a career in banking and had other plans altogether. Yet, he’s still at it and retiring this week after a lifetime of helping local people achieve their financial goals.
“I honestly didn’t intend to stay in banking. I liked my accounting classes. That work made sense to me but I was tired of asking my parents for money. No young man wants to be dependent on his parents like that so I took a summer job doing something completely different and went to school at night,” he recalled.
When a position in banking became available, he jumped at the chance to work in a finance job where he could continue his education at night and make contacts that would serve him in the future. The year was 1978 and the rest, as they say, is history. He started out as Assistant Branch Manager, working his way up through different positions including Regional Manager and Head of Lending.
Darrell left that job in 2005 and spent six years farming with his dad before resuming his banking career with other banks in the region.
When VCNB was planning to open a loan office in Jackson, VCNB Head of Retail Brenda Doles came knocking. The two had experience working together and she thought he would be a good fit for directing the bank’s entrance to that community. Today he’s the Head of Commercial Lending.
“I have really loved working with Mark and for the company. I couldn’t ask for a better way to wrap up my career,” he said. “I’m thrilled with the staff we’ve developed here. Jackson County needed a good community bank and we’ve proven that time and again with the great customers who have come to us and the bankers that we have attracted to work for us here. I’m really proud of what we’ve built here – the building, the wonderful staff. It’s worked out better than we could have imagined.”
The Oak Hill area resident doesn’t plan to rest on his laurels in retirement. A lifelong farmer, he’s caretaker for a family farm that his parents moved to in 1967. “I plan to keep my cattle and farm as long as I can but I’m looking forward to traveling in the RV too,” he smiled, describing some of the places he and his wife have been with the RV and others he hopes to see.
His wife Marilyn is a retired Oak Hill Elementary School Principal. The couple have two grown children and two young granddaughters who they look forward to spending time with throughout the year rather than just during summer vacation. “We love to take the girls camping and to have them at the farm. We’re talking about getting everyone together for family trips and just look forward to seeing them more, having more time to enjoy our family.”
Will he miss banking? “I’ll miss the people. I’m ready to go but I’ve been fortunate to work with a lot of great people and have a lot of great customers. I’ll miss all the people.”
However, VCNB President Mark Erslan said that Boggs likely won’t be leaving the bank completely. “Given Darrell’s significant contributions to the bank, we’re working on a way for him to stay involved with the bank and enjoy retirement.”
How do you define easy? Here at VCNB we work hard to make it easy for you to get your new mortgage loan. We know that not everyone can come to the bank and that you still need to get your mortgage loan application started and the process underway.
That’s why our mortgage lenders are happy to do business however you like to do business. Want to come inside and sit down with a lender? Do you prefer to do things online? Does a phone call simply fit better with your schedule?
Whatever your choice – call, click or come in and our mortgage lenders will be happy to help!
Call 1.800.542.5004, click on VCNBfamily.com or visit your neighborhood Vinton County National Bank to get started. Member FDIC. Equal Housing Lender.